Exhibit 99.1
Schedule 5 - Supplemental Data
Supplemental Data
Run Date - 11/12/2026 2:58:12 PM
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | TILA Status Loan Designation | Exempt QM/ATR Equivalency | CDFI Bank Originated Loan | Application Date | TRID Tested | GSE | HOEPA Fees | TILA Fees | Rate Lock Date | Calculated APR | Original P&I | Qualifying P&I | Qualifying Rate | Is Borrower Non Occupant | Is Co Borrower Non Occupant | Borrower Employment Indicator | Co Borrower Employment Indicator | Co Borrower 2 Employment Indicator | Co Borrower 3 Employment Indicator | Co Borrower2 Length of Employment | Co Borrower3 Length of Employment | Borrower Foreign National Indicator | Co Borrower Foreign National Indicator | Co Borrower 2 Foreign National Indicator | Co Borrower 3 Foreign National Indicator | Borrower Country Name | Co Borrower Country Name | Co Borrower2 Country Name | Co Borrower3 Country Name | Residual Income | Num Units | Annual Property Tax | Annual Insurance Costs | Monthly Property Tax | Monthly Insurance Costs | HOA Name | HOA Address State | Fee Amount | Next Due Date | HOA Payment Frequency | Investor DTI | QM DTI | Non QM DTI | Original 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 Updated Credit Report Date | 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 | Most Recent Updated Co Borrower 2 FICO | Most Recent Updated Co Borrower 3 FICO | 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 | Asset Depletion Flag | Bank Statements Flag | Number of Statements | Type of Statements | Percent of Income From Statements | Borrower Business Ownership % | CoBorrower Business Ownership % | P&L Type | Income Doc Detail | Tax Return Doc Details | Document Level | Document Type | 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 Late 30d in 24m | Prior Mortgage/Rent Late 60d in 24m | Prior Mortgage/Rent Late 90d in 24m | Has ACH | Guideline Name | UW Guideline Author | ATR QM Total Points and Fees Audit | Loan Regulation Benchmark Date | Benchmark Rate | HUD 1 Page 1 Credits Total | Collateral Underwriter Risk Score | AUS Decision System | Property Inspection Waiver (PIW) | Rating Result | Eligible For Rep and Warrant Relief Per Collateral Advisor | Is Equity Shared Loan | Investor Qualifying Rate | Borrower Years of W2s | CoBorrower Years of W2s | Years of Personal Tax Returns | Years of Business Tax Returns | Years of 4506T | Years of Tax Transcripts | Months of Personal Bank Statements | Months of Business Bank Statements | Months of Profit and Loss Statements | Expense Letter | Total DSCR | Total Inverse DSCR | Subordinate Lien Type | Is Shared Appreciation Mortgage | Duration of Payout Months | Seller VSH Indicator | Seller Indicated VSH Guideline | Validated VSH | IO Remaining Amortization Term at Recast | Maturity Date | Borrower Own Funds Cash Amount | Borrower Own Funds Percent | Is the Note an eNote | Borrower WVOE - # of Months of Income provided | Co Borrower WVOE - # of Months of Income provided | Co Borrower2 WVOE - # of Months of Income provided | Co Borrower3 WVOE - # of Months of Income provided | Were the origination guidelines utilized for this diligence review? | Title Evidence | Ownership Type | Borrower Type | Borrower Designation | Co Borrower Type | Co Borrower Designation | Co Borrower2 Type | Co Borrower2 Designation | Co Borrower3 Type | Co Borrower3 Designation | Senior Lien Position | Senior Lien Original Loan Amount | Senior Lien Original Interest Rate | Senior Lien Note Projected Closing Date | Senior Lien Current Balance | Senior Lien Current P&I | Loan Closed in the Name of an Entity | Note Executed by | Assumable Mortgage Flag | Leasehold Flag | Buydown Flag | Borrower Experian FICO Model Used | Borrower Equifax FICO Model Used | Borrower TransUnion FICO Model Used | Co Borrower Experian FICO Model Used | Co Borrower Equifax FICO Model Used | Co Borrower TransUnion FICO Model Used | Co Borrower2 Experian FICO Model Used | Co Borrower2 Equifax FICO Model Used | Co Borrower2 TransUnion FICO Model Used | Co Borrower3 Experian FICO Model Used | Co Borrower3 Equifax FICO Model Used | Co Borrower3 TransUnion FICO Model Used | Borrower Documentation Used to Determine Legal Residency | Co Borrower Documentation Used to Determine Legal Residency | Co Borrower2 Documentation Used to Determine Legal Residency | Co Borrower3 Documentation Used to Determine Legal Residency | Delayed Financing? | Months Reserves | Correspondent Type | Departure Residence | Rate Increase on Default | Default Interest Rate | Default Interest Accrual Start Days | MERS Min Number | Co Borrower Other Income | Co Borrower Wage Income | Primary Housing Lates 0 6 Months 30 | Primary Housing Lates 0 6 Months 60 | Primary Housing Lates 0 6 Months 90 | Primary Housing Lates 7 12 Months 30 | Primary Housing Lates 7 12 Months 60 | Primary Housing Lates 7 12 Months 90 | Primary Housing Lates 13 24 Months 30 | Primary Housing Lates 13 24 Months 60 | Primary Housing Lates 13 24 Months 90 | Primary Housing Lates 25 36 Months 30 | Primary Housing Lates 25 36 Months 60 | Primary Housing Lates 25 36 Months 90 | Borrower 1 ITIN Flag | Borrower 2 ITIN Flag | Borrower 3 ITIN Flag | Borrower 4 ITIN Flag | Total Number of Mortgaged Properties | Amortization Term Less IO | Flood Zone Designation | Flood Policy Expiration Date | Flood Policy Coverage Amount |
| 224340270 | [Redacted] | [Redacted] | N/A | No | No | $4,264.55 | $11,524.19 | 7.395% | $18,078.42 | $18,078.42 | 7.375% | No | No | Self-Employed | US Citizen | $80,024.23 | 1 | [redacted] | $6,681.00 | [redacted] | $556.75 | 27.745% | 27.745% | 27.745% | [Redacted] | 788 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $4,264.55 | 6.630% | $0.00 | 999.0 | DU | ApproveIneligible | No | No | 7.375% | 1 | 1 | 0 | 2 | 1 | No | [redacted] | $1,143,730.34 | 32.770% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.89 | No | Yes | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225772669 | [Redacted] | [Redacted] | N/A | No | No | $1,291.95 | $1,291.95 | 8.125% | No | No | US Citizen | 1 | [redacted] | $2,486.04 | [redacted] | $207.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 664 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.8 | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $14,000.12 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 7.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225781806 | [Redacted] | [Redacted] | N/A | No | No | $18,995.00 | $22,384.05 | 8.080% | $7,250.69 | $7,250.69 | 7.875% | No | No | Non-Employment Income | US Citizen | $24,165.44 | 1 | [redacted] | $6,573.96 | [redacted] | $547.83 | 48.346% | 51.113% | 48.346% | [Redacted] | 653 | Yes | No | [Borrower - | Primary Income - Disability]; Award Letter / Continuance Letter - 2010 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $18,995.00 | 6.210% | $0.00 | 2.8 | None | No | No | 7.875% | 0 | 2 | 0 | 2 | 2 | 0.00 | No | Other | [redacted] | $1,504,033.91 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 269.92 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225839201 | [Redacted] | [Redacted] | N/A | No | No | $3,941.57 | $3,941.57 | 6.875% | No | No | US Citizen | 1 | [redacted] | $768.00 | [redacted] | $64.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 774 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.3 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.14 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 120.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225845955 | [Redacted] | [Redacted] | N/A | No | No | $11,781.25 | $11,781.25 | 7.250% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,947.00 | [redacted] | $162.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 756 | 685 | 729 | 769 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.9 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | 240 | [redacted] | $2,680,956.92 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 74.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225879298 | [Redacted] | [Redacted] | Non QM | Yes | No | $25,115.00 | $27,900.29 | 8.816% | $12,250.19 | $12,250.19 | 8.625% | No | No | Self-Employed | Employed | US Citizen | Permanent Resident Alien | $15,926.30 | 1 | [redacted] | $2,153.04 | [redacted] | $179.42 | 48.885% | 48.885% | 48.885% | [Redacted] | 640 | Yes | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $25,115.00 | 6.490% | $0.00 | 1.6 | None | Yes | No | 8.625% | 0 | 1 | 0 | 0 | 2 | 0 | 12.00 | No | Other | [redacted] | $921,633.71 | 43.880% | No | 17 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 52.09 | No | No | $0.00 | $19,652.20 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225901025 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,300.00 | $6,374.18 | 6.964% | $1,582.58 | $1,582.58 | 6.750% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $5,916.49 | 1 | [redacted] | $1,068.96 | [redacted] | $89.08 | 43.683% | 43.683% | 43.683% | [Redacted] | 790 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2019 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $2,300.00 | 6.600% | $800.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $437,629.69 | 94.110% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 77.18 | Yes | No | $1,794.83 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225936983 | [Redacted] | [Redacted] | N/A | No | No | $26,971.84 | $13,352.16 | 7.017% | $2,010.58 | $2,010.58 | 6.625% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $7,107.17 | 3 | [redacted] | $2,276.88 | [redacted] | $189.74 | 24.718% | 24.718% | 24.718% | [Redacted] | 814 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $26,971.84 | 6.490% | $20,000.00 | None | No | No | 6.625% | 0 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $129,915.66 | 31.380% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.94 | No | No | $4,240.75 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225961129 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,110.00 | $19,092.25 | 7.251% | $8,084.62 | $8,084.62 | 7.125% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $13,115.14 | 1 | [redacted] | $1,554.96 | [redacted] | $129.58 | 45.054% | 45.054% | 45.054% | [Redacted] | 699 | No | No | [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [redacted] | $5,110.00 | 6.520% | $0.00 | 2.1 | None | No | No | 7.125% | 2 | 2 | 0 | 0 | 2 | 0 | No | [redacted] | $0.00 | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.96 | No | No | $0.00 | $12,412.53 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225964047 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $3,545.24 | 7.094% | $1,694.81 | $1,694.81 | 6.990% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $5,977.13 | 1 | [redacted] | $926.04 | [redacted] | $77.17 | 53.396% | 53.396% | 53.396% | [Redacted] | 742 | Yes | No | [Borrower - | Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - Capital Gains]; K-1 - 2024 [Borrower - | Non-Primary Income - Capital Gains]; K-1 - 2023 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,390.00 | 6.520% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 2 | 0 | 3 | 3 | 0.00 | No | Other | [redacted] | $1,477,844.49 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 438.59 | Yes | No | $1,817.85 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965015 | [Redacted] | [Redacted] | N/A | No | No | $13,522.00 | $2,791.15 | 7.465% | $1,620.60 | $1,620.60 | 7.375% | No | No | Self-Employed | US Citizen | $13,965.96 | 1 | [redacted] | $1,200.96 | [redacted] | $100.08 | 42.376% | 42.376% | 42.376% | [Redacted] | 678 | No | Yes | 24 | Business | 87.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $13,522.00 | 6.570% | $0.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 111.23 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225965882 | [Redacted] | [Redacted] | N/A | No | No | $5,795.88 | $5,795.88 | 6.990% | No | No | US Citizen | 3 | [redacted] | $6,867.48 | [redacted] | $572.29 | 0.000% | 0.000% | 0.000% | [Redacted] | 741 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.6 | 0.62 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 108.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225973551 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,950.00 | $11,536.80 | 7.339% | $3,233.85 | $3,233.85 | 7.125% | No | No | Self-Employed | US Citizen | $38,802.86 | 1 | [redacted] | $5,213.04 | [redacted] | $434.42 | 28.565% | 28.565% | 28.565% | [Redacted] | 737 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,950.00 | 6.490% | $0.00 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $242,886.48 | 40.480% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.14 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225973774 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,466.25 | $5,142.42 | 7.306% | $755.47 | $755.47 | 6.875% | No | Yes | Non-Employment Income | Not Employed | US Citizen | Permanent Resident Alien | $454.26 | 1 | [redacted] | $3,231.96 | [redacted] | $269.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 748 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $2,466.25 | 6.570% | $0.00 | 2.9 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $519,245.95 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 254.64 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225973776 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $4,305.10 | 7.534% | $5,174.19 | $5,174.19 | 7.500% | No | No | Self-Employed | US Citizen | $7,099.34 | 3 | [redacted] | $3,462.96 | [redacted] | $288.58 | 48.464% | 48.464% | 48.464% | [Redacted] | 733 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2020 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.520% | $0.00 | None | Yes | No | 7.500% | 0 | 0 | 0 | 3 | 0 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.84 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225973783 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,590.00 | $8,335.98 | 7.555% | $1,773.66 | $1,773.66 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $7,936.43 | 1 | [redacted] | $1,958.16 | [redacted] | $163.18 | 41.576% | 41.576% | 41.576% | [Redacted] | 744 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,590.00 | 6.490% | $0.00 | 2.5 | None | Yes | No | 7.250% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $80,796.33 | No | 5 | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 91.04 | No | No | $0.00 | $7,927.45 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225986238 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,659.00 | $3,288.14 | 8.735% | $1,851.14 | $1,851.14 | 8.625% | No | No | Self-Employed | Non-Permanent Resident Alien | Venezuela (Bolivarian Republic of) | $4,678.65 | 1 | [redacted] | $1,146.96 | [redacted] | $95.58 | 38.982% | 38.982% | 38.982% | [Redacted] | 677 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,659.00 | 6.490% | $41,800.00 | 1.0 | None | Yes | No | 8.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $32,551.35 | 11.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 7.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225994434 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $4,004.63 | 7.923% | $4,314.16 | $4,314.16 | 7.875% | No | Yes | Self-Employed | Self-Employed | US Citizen | US Citizen | $9,970.94 | 1 | [redacted] | $1,166.28 | [redacted] | $97.19 | 46.273% | 46.273% | 46.273% | [Redacted] | 727 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.490% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 98.13 | Yes | No | $7,645.82 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 225999043 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $3,154.18 | 8.001% | $7,623.90 | $7,623.90 | 7.990% | No | No | Employed | US Citizen | $10,482.70 | 4 | [redacted] | $3,092.40 | [redacted] | $257.70 | 48.338% | 48.338% | 48.338% | [Redacted] | 761 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.530% | $0.00 | None | No | No | 7.990% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $163,974.37 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.78 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226001399 | [Redacted] | [Redacted] | N/A | No | No | $10,490.00 | $11,940.94 | 7.414% | $2,694.87 | $2,694.87 | 7.125% | No | No | Employed | Not Employed | US Citizen | US Citizen | $11,563.89 | 1 | [redacted] | $5,900.88 | [redacted] | $491.74 | 29.243% | 29.243% | 29.243% | [Redacted] | 783 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Other - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $10,490.00 | 6.530% | $10,000.00 | 1.5 | None | Yes | No | 7.125% | 0 | 0 | 2 | 0 | 3 | 2 | 0.00 | No | [redacted] | $535,700.32 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 99.18 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226005580 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,590.00 | $5,323.71 | 8.026% | $2,403.61 | $2,403.61 | 7.875% | No | No | Employed | US Citizen | $6,521.55 | 1 | [redacted] | $1,842.72 | [redacted] | $153.56 | 32.934% | 32.934% | 32.934% | [Redacted] | 767 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.610% | $0.00 | 1.0 | None | No | No | 7.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [redacted] | $137,791.27 | 35.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.77 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226030735 | [Redacted] | [Redacted] | N/A | No | No | $31,835.20 | $16,295.55 | 6.835% | $2,146.11 | $2,146.11 | 6.375% | No | No | Self-Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $5,647.80 | 1 | [redacted] | $810.00 | [redacted] | $67.50 | 37.239% | 37.239% | 37.239% | [Redacted] | 801 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $31,835.20 | 6.490% | $17,200.00 | 3.6 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $143,896.84 | 33.460% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.71 | No | No | $2,658.29 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226036912 | [Redacted] | [Redacted] | Non QM | Yes | No | $29,613.00 | $10,201.10 | 7.210% | $6,823.42 | $6,823.42 | 7.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $16,650.54 | 1 | [redacted] | $3,911.52 | [redacted] | $325.96 | 42.713% | 42.713% | 42.713% | [Redacted] | 732 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [redacted] | $29,613.00 | 6.570% | $7,500.00 | 3.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $194,550.95 | 15.360% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 23.83 | No | No | $14,532.46 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226061953 | [Redacted] | [Redacted] | N/A | No | No | $1,478.62 | $2,301.32 | 7.306% | $2,639.29 | $2,639.29 | 7.250% | No | No | Employed | US Citizen | $9,581.25 | 1 | [redacted] | $953.04 | [redacted] | $79.42 | 38.033% | 38.033% | 38.033% | [Redacted] | 758 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,478.62 | 6.510% | $10,000.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $203,687.68 | 42.110% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.77 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226065796 | [Redacted] | [Redacted] | N/A | No | No | $4,502.37 | $4,502.37 | 7.250% | No | No | US Citizen | 1 | [redacted] | $476.04 | [redacted] | $39.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [redacted] | $2,209.37 | 0.250% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.02 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067321 | [Redacted] | [Redacted] | N/A | No | No | $886.56 | $886.56 | 7.750% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $2,217.96 | [redacted] | $184.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 744 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [redacted] | $59,598.78 | 36.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226067546 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $1,595.00 | $3,068.34 | 6.400% | $6,453.31 | $6,453.31 | 6.375% | No | No | Employed | US Citizen | $11,516.78 | 1 | [redacted] | $4,350.00 | [redacted] | $362.50 | 44.842% | 44.842% | 44.842% | [Redacted] | 757 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,595.00 | 6.490% | $15,000.00 | 4.0 | DU | ApproveEligible | No | No | 6.375% | 1 | 0 | 0 | 3 | 3 | 0.00 | No | No | [redacted] | $409,030.29 | 30.750% | No | 16 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226080183 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $2,471.16 | 8.426% | $3,624.86 | $3,624.86 | 8.375% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $10,774.90 | 1 | [redacted] | $2,705.04 | [redacted] | $225.42 | 39.574% | 39.574% | 39.574% | [Redacted] | 804 | No | Yes | 12 | Business | 66.000% | 70.000% | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.530% | $5,000.00 | 1.0 | None | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $107,350.71 | 20.250% | No | 5 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.28 | No | No | $11,831.60 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226085047 | [Redacted] | [Redacted] | N/A | No | No | $6,652.40 | $10,556.66 | 7.973% | $1,454.37 | $1,454.37 | 7.500% | No | No | Employed | US Citizen | $2,747.74 | 1 | [redacted] | $1,323.00 | [redacted] | $110.25 | 8.409% | 8.409% | 8.409% | [Redacted] | 769 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; VVOE - 2016 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $6,652.40 | 6.410% | $0.00 | 1.0 | None | No | No | 7.500% | 1 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $52,553.85 | 20.210% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099418 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,642.88 | $11,902.50 | 7.175% | $2,233.00 | $2,233.00 | 6.875% | No | No | Self-Employed | Non-Permanent Resident Alien | Honduras | $6,110.35 | 1 | [redacted] | $1,248.00 | [redacted] | $104.00 | 30.605% | 30.605% | 30.605% | [Redacted] | 777 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $9,642.88 | 6.490% | $11,997.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $212,942.33 | 53.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 52.98 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226099659 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,648.10 | $6,992.46 | 7.755% | $1,139.61 | $1,139.61 | 7.375% | No | No | Non-Employment Income | US Citizen | $1,923.53 | 1 | [redacted] | $968.04 | [redacted] | $80.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 743 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $6,648.10 | 6.570% | $0.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $345,397.73 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 233.55 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 07/06/2027 | $85,847.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101131 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $2,584.35 | 6.945% | $2,338.67 | $2,338.67 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $8,410.94 | 1 | [redacted] | $2,304.96 | [redacted] | $192.08 | 29.935% | 29.935% | 29.935% | [Redacted] | 795 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.490% | $0.00 | 2.7 | LP / LPA | Accept/Eligible | No | No | 6.875% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $330,595.97 | 49.710% | No | 17 | 29 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.09 | No | $0.00 | $885.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226101454 | [Redacted] | [Redacted] | N/A | No | No | $2,494.24 | $2,494.24 | 7.875% | No | No | US Citizen | 2 | [redacted] | $6,465.36 | [redacted] | $538.78 | 0.000% | 0.000% | 0.000% | [Redacted] | 757 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | $52,892.58 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 34.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226120819 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,498.00 | $8,481.25 | 7.132% | $2,423.20 | $3,222.75 | 6.990% | No | No | Self-Employed | US Citizen | $8,191.27 | 1 | [redacted] | $4,983.12 | [redacted] | $415.26 | 46.099% | 40.838% | 46.099% | [Redacted] | 781 | No | No | [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,498.00 | 6.570% | $5,550.00 | 1.0 | None | Yes | No | 6.990% | 0 | 2 | 0 | 3 | 3 | No | 240 | [redacted] | $304,211.13 | 58.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.32 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226122077 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,393.20 | $6,548.00 | 7.880% | $2,636.40 | $2,636.40 | 7.750% | No | No | Self-Employed | US Citizen | $8,397.11 | 1 | [redacted] | $1,991.04 | [redacted] | $165.92 | 32.836% | 32.836% | 32.836% | [Redacted] | 707 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,393.20 | 6.490% | $0.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $123,734.21 | 26.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 7.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226124862 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $3,029.01 | 7.263% | $3,631.22 | $3,631.22 | 7.250% | No | No | Employed | US Citizen | $6,118.29 | 1 | [redacted] | $3,183.96 | [redacted] | $265.33 | 41.852% | 41.852% | 41.852% | [Redacted] | 733 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.530% | $10,000.00 | 3.6 | None | Yes | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $273,903.63 | 37.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.79 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226125113 | [Redacted] | [Redacted] | N/A | No | No | $1,139.61 | $1,139.61 | 7.375% | No | No | US Citizen | 1 | [redacted] | $1,317.96 | [redacted] | $109.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 705 | No | No | DSCR | [Redacted] | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.6 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 66.73 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226125132 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,291.88 | $6,068.24 | 9.107% | $1,292.16 | $1,292.16 | 8.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $3,553.17 | 1 | [redacted] | $1,296.00 | [redacted] | $108.00 | 39.683% | 39.683% | 39.683% | [Redacted] | 727 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,291.88 | 6.520% | $8,000.00 | 1.0 | None | Yes | No | 8.750% | 0 | 0 | 1 | 0 | 2 | 0 | 5.97 | No | [redacted] | $25,974.56 | 14.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.24 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129485 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,832.01 | $11,444.37 | 7.940% | $2,358.55 | $2,358.55 | 7.625% | No | No | Self-Employed | US Citizen | $5,474.48 | 1 | [redacted] | $3,362.88 | [redacted] | $280.24 | 42.909% | 42.909% | 42.909% | [Redacted] | 776 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $5,832.01 | 6.680% | $20,250.00 | 1.0 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $54,967.07 | 14.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.45 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 07/27/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129738 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,882.50 | $7,790.80 | 7.161% | $2,359.44 | $2,359.44 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $7,705.72 | 1 | [redacted] | $1,794.96 | [redacted] | $149.58 | 44.870% | 44.870% | 44.870% | [Redacted] | 756 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,882.50 | 6.530% | $93,000.00 | 1.5 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $31,586.42 | 6.520% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.35 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226129909 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,393.50 | $11,740.80 | 8.260% | $2,064.64 | $2,064.64 | 7.875% | No | Yes | Not Employed | Self-Employed | US Citizen | US Citizen | $12,792.85 | 1 | [redacted] | $1,508.28 | [redacted] | $125.69 | 35.275% | 35.275% | 35.275% | [Redacted] | 687 | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $9,393.50 | 6.640% | $0.00 | 2.8 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $155,068.49 | 46.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.96 | No | No | $19,764.80 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226131334 | [Redacted] | [Redacted] | N/A | No | No | $2,340.31 | $2,340.31 | 6.875% | No | No | Foreign National | 1 | [redacted] | $1,104.96 | [redacted] | $92.08 | 0.000% | 0.000% | 0.000% | [Redacted] | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.69 | 0.58 | [redacted] | $164,252.76 | 34.570% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | 33.28 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226138804 | [Redacted] | [Redacted] | N/A | No | No | $28,027.25 | $36,697.43 | 8.286% | $14,116.73 | $14,116.73 | 8.125% | No | No | Self-Employed | US Citizen | $18,145.93 | 1 | [redacted] | $1,065.96 | [redacted] | $88.83 | 43.820% | 43.820% | 43.820% | [Redacted] | 679 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [redacted] | $28,027.25 | 6.640% | $0.00 | 2.1 | None | N/A | No | 8.125% | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $782,158.57 | 30.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.48 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 05/15/2027 | $1,100,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226144036 | [Redacted] | [Redacted] | N/A | No | No | $1,738.19 | $1,738.19 | 7.250% | No | No | US Citizen | 1 | [redacted] | $649.68 | [redacted] | $54.14 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 1761.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226147366 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,303.94 | $11,562.84 | 7.304% | $2,205.74 | $2,205.74 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | Non-Permanent Resident Alien | Cameroon | $3,163.85 | 1 | [redacted] | $1,301.04 | [redacted] | $108.42 | 49.975% | 49.975% | 49.975% | [Redacted] | 726 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $6,303.94 | 6.640% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 1 | No | [redacted] | $146,328.71 | 33.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 3.14 | No | $3,954.48 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226147421 | [Redacted] | [Redacted] | N/A | No | No | $1,622.06 | $1,622.06 | 6.375% | No | No | US Citizen | 1 | [redacted] | $959.04 | [redacted] | $79.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 764 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.7 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $255,758.50 | 78.690% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 79.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226164293 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,490.00 | $1,788.74 | 6.513% | $3,033.93 | $3,033.93 | 6.500% | No | No | Non-Employment Income | US Citizen | $8,506.95 | 1 | [redacted] | $2,343.72 | [redacted] | $195.31 | 34.644% | 34.644% | 34.644% | [Redacted] | 794 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $7,490.00 | 6.720% | $24,000.00 | 1.0 | None | No | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,176,060.48 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 333.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226179088 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $7,718.46 | 6.583% | $2,011.91 | $2,011.91 | 6.375% | No | No | Non-Employment Income | US Citizen | $3,600.37 | 1 | [redacted] | $667.44 | [redacted] | $55.62 | 45.882% | 45.882% | 45.882% | [Redacted] | 809 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.610% | $4,800.00 | 1.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $251,536.82 | 55.520% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226179094 | [Redacted] | [Redacted] | N/A | No | No | $2,126.83 | $2,126.83 | 6.990% | No | No | US Citizen | 1 | [redacted] | $2,466.84 | [redacted] | $205.57 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | $340,824.05 | 85.200% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 77.57 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226183227 | [Redacted] | [Redacted] | N/A | No | No | $3,201.26 | $4,653.02 | 7.438% | $2,894.53 | $3,969.86 | 7.643% | No | No | Self-Employed | US Citizen | $17,551.03 | 1 | [redacted] | $684.96 | [redacted] | $57.08 | 23.260% | 18.558% | 23.260% | [Redacted] | 768 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,201.26 | 6.110% | $0.00 | 3.1 | None | No | No | 7.643% | 0 | 2 | 0 | 3 | 3 | 18.93 | No | 240 | [redacted] | $137,455.20 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 72.56 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 240 | AE | 07/07/2027 | $2,000,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226185340 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $15,419.90 | 7.307% | $13,046.62 | $13,046.62 | 7.250% | No | No | Non-Employment Income | US Citizen | $43,396.47 | 1 | [redacted] | $6,528.84 | [redacted] | $544.07 | 32.766% | 32.766% | 32.766% | [Redacted] | 796 | Yes | No | [Borrower - | Primary Income - Child Support]; Other - 2026 [Borrower - | Primary Income - Child Support]; Child Support Order - 2023 [Borrower - | Primary Income - Child Support]; Divorce Decree - 2014 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.720% | $20,000.00 | 3.8 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | 60 | [redacted] | $6,198,814.19 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 341.48 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226193967 | [Redacted] | [Redacted] | N/A | No | No | $35,537.95 | $38,748.27 | 6.964% | $10,873.75 | $10,873.75 | 6.750% | No | No | Employed | US Citizen | $11,367.02 | 1 | [redacted] | $2,958.00 | [redacted] | $246.50 | 53.992% | 53.992% | 53.992% | [Redacted] | 782 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $35,537.95 | 6.720% | $0.00 | 3.0 | None | No | No | 6.750% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $0.00 | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 34.28 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194615 | [Redacted] | [Redacted] | N/A | No | No | $2,804.25 | $2,804.25 | 7.000% | No | No | US Citizen | 4 | [redacted] | $3,711.96 | [redacted] | $309.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | [redacted] | $25,706.67 | 4.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194618 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,670.00 | $10,058.06 | 7.144% | $3,029.00 | $4,028.43 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $11,424.82 | 1 | [redacted] | $747.96 | [redacted] | $62.33 | 48.853% | 44.378% | 48.853% | [Redacted] | 754 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,670.00 | 6.530% | $10,000.00 | 2.0 | None | Yes | No | 6.990% | 1 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | $865,316.51 | 100.000% | No | 14 | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 118.61 | Yes | No | $0.00 | $8,337.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226194645 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,745.50 | $3,906.04 | 7.434% | $1,357.53 | $1,357.53 | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $4,093.04 | 1 | [redacted] | $744.96 | [redacted] | $62.08 | 40.929% | 40.929% | 40.929% | [Redacted] | 767 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 2yr P&L w/Bank Statements | 0 | 0 | 0 | [redacted] | $2,745.50 | 6.680% | $0.00 | None | Yes | No | 7.250% | 0 | 2 | 0 | 0 | 2 | 0 | 19.00 | No | [redacted] | $88,724.49 | 33.230% | No | 23 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | FICO Risk Score Classic 04 | 7.08 | No | $0.00 | $2,718.46 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226196911 | [Redacted] | [Redacted] | N/A | No | No | $11,141.41 | $11,141.41 | 6.625% | No | No | 0 | US Citizen | US Citizen | 4 | [redacted] | $5,976.60 | [redacted] | $498.05 | 0.000% | 0.000% | 0.000% | [Redacted] | 708 | 700 | 708 | 713 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [redacted] | $704,877.03 | 29.460% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226197439 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,402.50 | $3,349.42 | 6.741% | $790.09 | $790.09 | 6.500% | No | No | Non-Employment Income | US Citizen | $2,698.42 | 1 | [redacted] | $3,763.56 | [redacted] | $313.63 | 49.092% | 49.092% | 49.092% | [Redacted] | 778 | No | No | [Borrower - | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $2,402.50 | 6.610% | $0.00 | 1.1 | None | Yes | No | 6.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $683,775.50 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 330.71 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226197624 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,715.00 | $4,220.65 | 7.400% | $664.63 | $664.63 | 6.990% | No | No | Non-Employment Income | US Citizen | $1,460.37 | 1 | [redacted] | $1,705.08 | [redacted] | $142.09 | 49.458% | 49.458% | 49.458% | [Redacted] | 801 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Pension]; 1099 Transcript - 2025 [Borrower - | Primary Income - Pension]; 1099-R - 2025 [Borrower - | Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $2,715.00 | 6.680% | $1,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $267,978.35 | 91.140% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 46.81 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226197982 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $6,692.86 | 7.638% | $13,108.34 | $13,108.34 | 7.625% | No | No | Self-Employed | US Citizen | $33,689.43 | 1 | [redacted] | $13,215.00 | [redacted] | $1,101.25 | 38.961% | 38.961% | 38.961% | [Redacted] | 773 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.640% | $0.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $51,117.21 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 9.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226198231 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,790.00 | $8,954.66 | 7.691% | $1,364.35 | $1,364.35 | 7.250% | No | No | Self-Employed | US Citizen | $23,695.52 | 1 | [redacted] | $1,529.04 | [redacted] | $127.42 | 15.729% | 15.729% | 15.729% | [Redacted] | 705 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,790.00 | 6.680% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 97.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226198478 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,485.00 | $5,734.49 | 7.717% | $3,609.75 | $3,609.75 | 7.625% | No | No | Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $14,811.05 | 1 | [redacted] | $2,343.96 | [redacted] | $195.33 | 35.989% | 35.989% | 35.989% | [Redacted] | 764 | No | Yes | 12 | Business | 53.000% | 100.000% | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,485.00 | 6.720% | $40,000.00 | 1.0 | None | No | No | 7.625% | 1 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $117,480.58 | 19.580% | No | 8 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 11.83 | No | No | $12,305.01 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226213984 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,352.10 | $26,280.60 | 9.527% | $15,121.20 | $15,121.20 | 9.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $47,793.85 | 1 | [redacted] | $3,021.24 | [redacted] | $251.77 | 28.423% | 28.423% | 28.423% | [Redacted] | 785 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $17,352.10 | 6.720% | $0.00 | 1.1 | None | Yes | No | 9.375% | 0 | 2 | 2 | 0 | 2 | 2 | No | [redacted] | $1,223,600.57 | 60.570% | No | 32 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 63.83 | No | $0.00 | $27,753.99 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226214170 | [Redacted] | [Redacted] | N/A | No | No | $1,373.06 | $1,373.06 | 7.375% | No | No | Foreign National | 1 | [redacted] | $876.00 | [redacted] | $73.00 | 0.000% | 0.000% | 0.000% | [Redacted] | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.03 | [redacted] | $246,457.00 | 86.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | 93.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226214179 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,754.38 | $6,238.08 | 7.440% | $5,827.57 | $5,827.57 | 7.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $13,825.22 | 1 | [redacted] | $2,182.80 | [redacted] | $181.90 | 0.000% | 0.000% | 0.000% | [Redacted] | 758 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $3,754.38 | 6.640% | $0.00 | 1.7 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,812,050.80 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 210.18 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222039 | [Redacted] | [Redacted] | N/A | No | No | $1,266.23 | $1,266.23 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,598.52 | [redacted] | $133.21 | 0.000% | 0.000% | 0.000% | [Redacted] | 742 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 29.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222972 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,116.38 | $11,385.36 | 7.716% | $3,046.88 | $3,927.27 | 7.500% | No | No | Non-Employment Income | US Citizen | $19,337.87 | 1 | [redacted] | $1,944.00 | [redacted] | $162.00 | 47.083% | 44.674% | 47.083% | [Redacted] | 702 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $10,116.38 | 6.680% | $0.00 | 2.5 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $3,104,058.08 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 965.74 | No | No | $0.00 | $0.00 | No | No | No | No | 7 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226222975 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,459.79 | $7,891.58 | 7.144% | $1,855.17 | $1,855.17 | 6.875% | No | No | Not Employed | Non-Employment Income | US Citizen | US Citizen | $16,675.80 | 1 | [redacted] | $2,147.04 | [redacted] | $178.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $2,459.79 | 6.680% | $0.00 | 1.1 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,254,172.59 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 507.67 | No | No | $21,923.85 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223011 | [Redacted] | [Redacted] | Non QM | Yes | No | $20,856.91 | $2,500.73 | 7.255% | $13,552.73 | $13,552.73 | 7.250% | No | No | Self-Employed | US Citizen | $28,726.61 | 1 | [redacted] | $3,307.92 | [redacted] | $275.66 | 39.183% | 39.183% | 39.183% | [Redacted] | 794 | No | Yes | 12 | Personal | 72.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $20,856.91 | 6.640% | $57,855.75 | 1.0 | None | No | No | 7.250% | 1 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $325,118.01 | 14.720% | No | 12 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.01 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223013 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,495.00 | $3,498.27 | 6.540% | $4,247.50 | $4,247.50 | 6.500% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $21,976.32 | 1 | [redacted] | $1,664.04 | [redacted] | $138.67 | 26.605% | 26.605% | 26.605% | [Redacted] | 775 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $1,495.00 | 6.710% | $5,000.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 6.500% | 1 | 1 | 1 | 0 | 3 | 0 | 0.00 | No | [redacted] | $1,191,019.67 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 179.69 | Yes | No | $18,204.52 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223151 | [Redacted] | [Redacted] | N/A | No | No | $1,096.64 | $1,096.64 | 6.990% | No | No | US Citizen | 2 | [redacted] | $2,244.48 | [redacted] | $187.04 | 0.000% | 0.000% | 0.000% | [Redacted] | 732 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.64 | [redacted] | $103,370.90 | 46.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223593 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,563.13 | $4,460.47 | 7.828% | $970.16 | $970.16 | 7.500% | No | No | Employed | US Citizen | $6,767.13 | 1 | [redacted] | $460.32 | [redacted] | $38.36 | 29.381% | 29.381% | 29.381% | [Redacted] | 760 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,563.13 | 6.720% | $4,162.50 | 1.0 | None | Yes | No | 7.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $100,765.39 | 54.460% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223629 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,046.89 | $6,691.34 | 7.084% | $4,357.91 | $4,357.91 | 6.990% | No | No | Self-Employed | US Citizen | $72,365.47 | 1 | [redacted] | $1,755.00 | [redacted] | $146.25 | 18.743% | 18.743% | 18.743% | [Redacted] | 735 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,046.89 | 6.720% | $23,141.97 | 3.8 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $393,295.30 | 50.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 55.37 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223733 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,058.75 | $6,855.59 | 7.690% | $2,499.69 | $2,499.69 | 7.500% | No | No | Self-Employed | US Citizen | $5,989.65 | 4 | [redacted] | $6,668.04 | [redacted] | $555.67 | 40.978% | 40.978% | 40.978% | [Redacted] | 662 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2009 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,058.75 | 6.720% | $0.00 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 35.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226223922 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $3,063.46 | 9.773% | $8,580.80 | $8,580.80 | 9.750% | No | No | Employed | Employed | US Citizen | US Citizen | $23,399.81 | 1 | [redacted] | $3,537.36 | [redacted] | $294.78 | 44.952% | 44.952% | 44.952% | [Redacted] | 666 | Yes | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.680% | $0.00 | 1.0 | None | Yes | No | 9.750% | 2 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $384,433.30 | 32.710% | No | 31 | 11 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.49 | Yes | No | $0.00 | $27,500.02 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226230953 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,386.43 | $8,389.32 | 8.545% | $4,027.62 | $4,027.62 | 8.375% | No | No | Self-Employed | Non-Permanent Resident Alien | Brazil | $8,229.25 | 1 | [redacted] | $1,622.04 | [redacted] | $135.17 | 38.987% | 38.987% | 38.987% | [Redacted] | 676 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,386.43 | 6.720% | $0.00 | 1.9 | None | Yes | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 48.62 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226230965 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,466.00 | $3,500.98 | 7.205% | $2,692.18 | $2,692.18 | 7.125% | No | No | Non-Employment Income | US Citizen | $7,243.78 | 1 | [redacted] | $2,888.88 | [redacted] | $240.74 | 49.007% | 49.007% | 49.007% | [Redacted] | 809 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $10,466.00 | 6.680% | $3,000.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $1,544,458.01 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 335.95 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231076 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $26,971.25 | $30,479.85 | 7.711% | $9,963.81 | $9,963.81 | 7.500% | No | Yes | Employed | Non-Employment Income | US Citizen | US Citizen | $68,914.89 | 1 | [redacted] | $2,679.00 | [redacted] | $223.25 | 24.316% | 24.316% | 24.316% | [Redacted] | 667 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 2 | 0 | 0 | [redacted] | $26,971.25 | 6.680% | $0.00 | 1.2 | None | No | No | 7.500% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | Not Stated | [redacted] | $10,199,520.63 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 794.53 | Yes | No | $61,872.15 | $0.00 | No | No | No | No | 3 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231185 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,490.00 | $6,968.88 | 7.463% | $5,111.00 | $5,111.00 | 7.375% | No | No | Non-Employment Income | US Citizen | $13,971.12 | 1 | [redacted] | $4,401.00 | [redacted] | $366.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $5,490.00 | 6.710% | $0.00 | 3.5 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $1,273,261.40 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 181.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226231865 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,708.75 | $15,637.41 | 9.133% | $9,043.91 | $9,043.91 | 8.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $26,459.67 | 1 | [redacted] | $1,664.04 | [redacted] | $138.67 | 39.498% | 39.498% | 39.498% | [Redacted] | 725 | No | Yes | 12 | Business | 78.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,708.75 | 6.680% | $4,050.00 | 1.0 | None | Yes | No | 8.990% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $297,158.35 | 23.770% | No | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.4 | No | No | $0.00 | $9,473.32 | No | No | No | No | 2 | 360 | None | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226232030 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,511.80 | $12,656.30 | 7.263% | $3,006.79 | $3,006.79 | 6.990% | No | No | Self-Employed | US Citizen | $29,472.68 | 1 | [redacted] | $2,595.00 | [redacted] | $216.25 | 12.495% | 12.495% | 12.495% | [Redacted] | 799 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,511.80 | 6.710% | $35,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $176,452.59 | 28.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226233172 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,657.10 | $16,447.10 | 7.070% | $5,470.57 | $5,470.57 | 6.875% | No | No | Self-Employed | US Citizen | $17,399.77 | 1 | [redacted] | $8,121.00 | [redacted] | $676.75 | 48.496% | 48.496% | 48.496% | [Redacted] | 696 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $13,657.10 | 6.710% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 6.875% | 2 | 3 | 0 | 2 | 0 | No | Closed End | No | [redacted] | $12,419.42 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 31.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226233381 | [Redacted] | [Redacted] | N/A | No | No | $18,437.50 | $18,437.50 | 7.375% | No | No | US Citizen | 2 | [redacted] | $6,397.08 | [redacted] | $533.09 | 0.000% | 0.000% | 0.000% | [Redacted] | 682 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | 240 | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226235183 | [Redacted] | [Redacted] | N/A | No | No | $2,121.88 | $2,121.88 | 6.875% | No | No | US Citizen | 1 | [redacted] | $717.96 | [redacted] | $59.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $206,905.68 | 41.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | 15.24 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226235649 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,550.00 | $4,034.75 | 7.319% | $1,347.44 | $1,347.44 | 7.125% | No | No | Non-Employment Income | US Citizen | $8,284.07 | 1 | [redacted] | $1,857.00 | [redacted] | $154.75 | 28.755% | 28.755% | 28.755% | [Redacted] | 784 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Trust Income]; Trust Agreement - 2026 [Borrower - | Non-Primary Income - Trust Income]; Trustee's Statement - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $3,550.00 | 6.710% | $0.00 | 4.3 | None | No | No | 7.125% | 0 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $469,083.63 | 82.870% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.27 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226235650 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,018.00 | $12,249.30 | 7.340% | $7,675.33 | $10,040.94 | 7.250% | No | No | Self-Employed | US Citizen | $80,653.76 | 1 | [redacted] | $6,260.40 | [redacted] | $521.70 | 15.191% | 12.703% | 15.191% | [Redacted] | 732 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [redacted] | $11,018.00 | 6.710% | $0.00 | 3.5 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | 240 | [redacted] | $25,000.00 | 1.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.28 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | AE | 09/01/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226236898 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,995.00 | $520.48 | 8.512% | $3,546.61 | $3,546.61 | 8.500% | No | No | Employed | Employed | Non-Permanent Resident Alien | US Citizen | $4,445.53 | 1 | [redacted] | $1,410.96 | [redacted] | $117.58 | 47.340% | 47.340% | 47.340% | [Redacted] | 651 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Year End Summary - 2026 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Year End Summary - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1040 - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,995.00 | 6.710% | $14,092.04 | 1.0 | None | Yes | No | 8.500% | 0 | 2 | 3 | 0 | 3 | 2 | 0.00 | No | [redacted] | $233,068.30 | 37.890% | No | 0 | 0 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.61 | No | $0.00 | $3,468.24 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226236997 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,795.00 | $4,034.70 | 7.392% | $10,305.76 | $10,305.76 | 7.375% | No | No | Self-Employed | US Citizen | $16,516.18 | 1 | [redacted] | $6,580.44 | [redacted] | $548.37 | 41.670% | 41.670% | 41.670% | [Redacted] | 779 | Yes | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Deposit Receipt - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Other - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; 1099-R - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; 1099-R - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,795.00 | 6.530% | $0.00 | 3.7 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 2 | 5.97 | No | Other | [redacted] | $2,116,869.12 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 145.52 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226237737 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $4,747.11 | 7.205% | $2,344.54 | $2,344.54 | 7.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $3,898.36 | 1 | [redacted] | $1,949.04 | [redacted] | $162.42 | 49.719% | 49.719% | 49.719% | [Redacted] | 765 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.710% | $10,000.00 | 1.0 | None | No | No | 7.125% | 1 | 0 | 1 | 0 | 2 | 0 | 7.00 | No | [redacted] | $334,353.22 | 76.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.85 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226238695 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $3,888.95 | 7.024% | $5,848.75 | $5,848.75 | 6.990% | No | No | Employed | Permanent Resident Alien | $13,796.15 | 1 | [redacted] | $324.96 | [redacted] | $27.08 | 49.453% | 49.453% | 49.453% | [Redacted] | 777 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.710% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $696,884.95 | 63.350% | No | 29 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 47.12 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226240258 | [Redacted] | [Redacted] | N/A | No | No | $13,375.00 | $11,532.42 | 7.792% | $2,866.78 | $2,866.78 | 7.500% | No | No | Self-Employed | Non-Permanent Resident Alien | $38,512.78 | 4 | [redacted] | $2,652.00 | [redacted] | $221.00 | 14.600% | 14.600% | 14.600% | [Redacted] | 714 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $13,375.00 | 6.680% | $11,200.00 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $5,600.00 | 1.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | Employment Authorization | 27.46 | No | No | $0.00 | $0.00 | Yes | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226240742 | [Redacted] | [Redacted] | N/A | No | No | $716.29 | $716.29 | 7.250% | No | No | US Citizen | 1 | [redacted] | $656.04 | [redacted] | $54.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 742 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.67 | 0.59 | [redacted] | No | Yes | Commitment | Leasehold | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 33.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226240805 | [Redacted] | [Redacted] | N/A | No | No | $17,751.19 | $19,095.15 | 7.704% | $4,066.35 | $4,066.35 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $17,189.25 | 4 | [redacted] | $4,151.16 | [redacted] | $345.93 | 38.529% | 38.529% | 38.529% | [Redacted] | 768 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [redacted] | $17,751.19 | 6.720% | $15,000.00 | 2.6 | None | No | No | 7.375% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $945,042.26 | 100.000% | No | 32 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 140.97 | No | No | $0.00 | $11,775.70 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226241005 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $7,333.32 | 7.378% | $11,036.40 | $12,205.11 | 7.896% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $25,679.25 | 1 | [redacted] | $611.04 | [redacted] | $50.92 | 47.749% | 45.371% | 47.749% | [Redacted] | 803 | Yes | Yes | 12 | Business | 26.000% | 100.000% | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.160% | $0.00 | 1.0 | None | Yes | No | 7.896% | 2 | 0 | 1 | 0 | 2 | 0 | 12 | 0.00 | No | Other | [redacted] | $1,728,095.60 | 72.000% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 55.58 | No | $15,809.41 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226241011 | [Redacted] | [Redacted] | N/A | No | No | $3,157.77 | $3,157.77 | 7.375% | No | No | US Citizen | 1 | [redacted] | $3,448.80 | [redacted] | $287.40 | 0.000% | 0.000% | 0.000% | [Redacted] | 732 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.7 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 63.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226241023 | [Redacted] | [Redacted] | N/A | No | No | $1,101.49 | $1,101.49 | 7.750% | No | No | Permanent Resident Alien | 1 | [redacted] | $2,559.00 | [redacted] | $213.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 676 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $258,767.01 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 110.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226241081 | [Redacted] | [Redacted] | N/A | No | No | $5,318.13 | $5,788.12 | 8.003% | $1,141.32 | $1,141.32 | 7.625% | No | No | Employed | Not Employed | US Citizen | US Citizen | $30,142.14 | 1 | [redacted] | $0.00 | [redacted] | $0.00 | 36.396% | 36.396% | 36.396% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - K-1 (< 25%)]; VVOE - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $5,318.13 | 6.720% | $0.00 | 999.0 | None | Yes | No | 7.625% | 0 | 0 | 1 | 0 | 2 | 2 | No | [redacted] | $122,750.93 | 57.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.98 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226241098 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,835.00 | $8,794.87 | 7.025% | $2,056.06 | $2,056.06 | 6.750% | No | No | Self-Employed | Non-Permanent Resident Alien | $5,558.81 | 1 | [redacted] | $1,401.96 | [redacted] | $116.83 | 32.305% | 32.305% | 32.305% | [Redacted] | 786 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,835.00 | 6.720% | $0.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $22,659.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 8.31 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226241168 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,760.69 | $5,413.35 | 7.345% | $1,527.66 | $1,527.66 | 7.125% | No | No | Non-Employment Income | US Citizen | $2,514.52 | 1 | [redacted] | $2,634.36 | [redacted] | $219.53 | 49.749% | 49.749% | 49.749% | [Redacted] | 798 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - IRA Distribution]; D1C Income Verification Report - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $3,760.69 | 6.680% | $0.00 | 1.3 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $283,271.77 | 56.090% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 130.92 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226241200 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,246.40 | $12,542.96 | 7.159% | $3,711.30 | $3,711.30 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $34,617.82 | 1 | [redacted] | $2,297.16 | [redacted] | $191.43 | 22.440% | 22.440% | 22.440% | [Redacted] | 788 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [redacted] | $3,246.40 | 6.680% | $2,000.00 | 1.8 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 | 7.40 | No | [redacted] | $654,304.30 | 93.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 87.78 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226241277 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,724.00 | $8,558.38 | 7.519% | $3,392.50 | $4,404.78 | 7.375% | No | Yes | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $15,498.77 | 1 | [redacted] | $3,147.96 | [redacted] | $262.33 | 45.815% | 42.276% | 45.815% | [Redacted] | 805 | No | Yes | 12 | Personal | 48.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,724.00 | 6.680% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [redacted] | $206,027.43 | 29.850% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.11 | No | No | $14,933.40 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226241298 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,890.00 | $4,023.82 | 7.263% | $12,893.13 | $12,893.13 | 7.250% | No | No | Self-Employed | US Citizen | $55,752.10 | 1 | [redacted] | $9,733.44 | [redacted] | $811.12 | 46.255% | 46.255% | 46.255% | [Redacted] | 736 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,890.00 | 6.680% | $0.00 | 5.0 | None | No | No | 7.250% | 0 | 1 | 0 | 2 | 1 | 19.00 | No | [redacted] | $236,349.19 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.04 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226242852 | [Redacted] | [Redacted] | N/A | No | No | $1,552.26 | $1,552.26 | 7.500% | No | No | US Citizen | 1 | [redacted] | $2,315.28 | [redacted] | $192.94 | 0.000% | 0.000% | 0.000% | [Redacted] | 721 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 58.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226242899 | [Redacted] | [Redacted] | N/A | No | No | $1,094.93 | $1,094.93 | 6.625% | No | No | US Citizen | 1 | [redacted] | $1,128.96 | [redacted] | $94.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 701 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [redacted] | $436,395.46 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 136.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | AE | $7,250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226243305 | [Redacted] | [Redacted] | N/A | No | No | $16,575.08 | $6,479.29 | 7.088% | $1,586.48 | $1,586.48 | 6.875% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | $6,041.26 | 1 | [redacted] | $1,620.00 | [redacted] | $135.00 | 38.679% | 38.679% | 38.679% | [Redacted] | 776 | Level 1-Not Stated/Not Verified | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2023 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $16,575.08 | 6.680% | $0.00 | 4.5 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $169,713.33 | 49.190% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.76 | No | No | $9,851.93 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226243784 | [Redacted] | [Redacted] | N/A | No | No | $804.74 | $804.74 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,188.00 | [redacted] | $99.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | 799 | 803 | 801 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.5 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.72 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 112.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226243789 | [Redacted] | [Redacted] | N/A | No | No | $48,950.00 | $17,656.85 | 7.692% | $5,034.34 | $5,034.34 | 7.500% | No | No | Self-Employed | US Citizen | $569,060.29 | 1 | [redacted] | $524.04 | [redacted] | $43.67 | 11.152% | 11.152% | 11.152% | [Redacted] | 718 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $48,950.00 | 6.680% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $206,644.09 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 520.08 | No | No | $0.00 | $0.00 | No | No | No | No | 14 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226249337 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,278.00 | $7,718.10 | 7.836% | $2,510.41 | $2,673.59 | 7.896% | No | No | Self-Employed | US Citizen | $237,502.61 | 1 | [redacted] | $2,964.96 | [redacted] | $247.08 | 7.513% | 7.630% | 7.513% | [Redacted] | 732 | No | Yes | 12 | Business | 100.000% | 99.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 99.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,278.00 | 6.300% | $0.00 | 1.0 | None | Yes | No | 7.896% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $20,000.00 | 4.340% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 68.3 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226249419 | [Redacted] | [Redacted] | N/A | No | No | $986.31 | $986.31 | 6.990% | No | No | US Citizen | 1 | [redacted] | $2,196.00 | [redacted] | $183.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 743 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 5.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.7 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 103.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226250538 | [Redacted] | [Redacted] | N/A | No | No | $85,090.00 | $46,580.50 | 7.792% | $10,488.22 | $10,488.22 | 7.500% | No | No | Not Employed | Self-Employed | Permanent Resident Alien | $18,984.84 | 1 | [redacted] | $12,200.64 | [redacted] | $1,016.72 | 42.321% | 42.321% | 42.321% | [Redacted] | 749 | No | No | [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [redacted] | $85,090.00 | 6.490% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | No | 10.18 | Yes | No | $32,914.83 | $0.00 | No | No | No | No | 2 | 360 | AE | 08/06/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226250571 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $22,814.92 | 6.984% | $9,197.00 | $9,197.00 | 6.875% | No | No | Employed | US Citizen | $14,126.23 | 1 | [redacted] | $1,729.92 | [redacted] | $144.16 | 47.730% | 47.730% | 47.730% | [Redacted] | 756 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.710% | $12,940.00 | 1.6 | None | No | No | 6.875% | 2 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $595,734.85 | 31.350% | No | 29 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 6.54 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226250579 | [Redacted] | [Redacted] | N/A | No | No | $5,997.01 | $5,997.01 | 6.625% | No | No | 0 | US Citizen | 1 | [redacted] | $5,714.04 | [redacted] | $476.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.5 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.7 | 0.58 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 68.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226250588 | [Redacted] | [Redacted] | N/A | No | No | $37,856.87 | $10,853.50 | 7.779% | $5,202.28 | $5,202.28 | 7.625% | No | No | Non-Employment Income | Non-Permanent Resident Alien | Canada | $11,653.48 | 1 | [redacted] | $9,546.24 | [redacted] | $795.52 | 0.000% | 0.000% | 0.000% | [Redacted] | 723 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $37,856.87 | 6.490% | $0.00 | 2.6 | None | Yes | No | 7.625% | 0 | 0 | 0 | 4 | 0 | 0.00 | No | Other | [redacted] | $2,181,821.29 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO Risk Score Classic 04 | Passport | No | 433.12 | No | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226251730 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,481.60 | $7,365.48 | 7.442% | $987.64 | $987.64 | 6.990% | No | No | Employed | US Citizen | $2,912.11 | 1 | [redacted] | $2,463.00 | [redacted] | $205.25 | 48.324% | 48.324% | 48.324% | [Redacted] | 708 | Yes | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,481.60 | 6.680% | $1,000.00 | 1.0 | None | Yes | No | 6.990% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $418,498.33 | 61.990% | No | 17 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 271.93 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226253927 | [Redacted] | [Redacted] | N/A | No | No | $4,203.75 | $4,203.75 | 7.875% | No | No | US Citizen | US Citizen | 1 | [redacted] | $658.32 | [redacted] | $54.86 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.5 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | 240 | [redacted] | $1,544,285.87 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 254.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226254175 | [Redacted] | [Redacted] | Non QM | Yes | No | $32,728.25 | $20,999.70 | 7.949% | $11,401.72 | $11,401.72 | 7.875% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $18,213.33 | 1 | [redacted] | $2,402.04 | [redacted] | $200.17 | 45.656% | 45.656% | 45.656% | [Redacted] | 770 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $32,728.25 | 6.680% | $50,000.00 | 1.9 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $396,904.62 | 21.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.12 | Yes | No | $33,514.83 | $0.00 | No | No | No | No | 3 | 360 | AH | 09/01/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226254448 | [Redacted] | [Redacted] | Non QM | Yes | No | $84,575.00 | $90,479.58 | 8.712% | $21,890.08 | $21,890.08 | 8.375% | No | No | Self-Employed | US Citizen | $155,330.63 | 1 | [redacted] | $16,854.48 | [redacted] | $1,404.54 | 18.139% | 18.139% | 18.139% | [Redacted] | 667 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $84,575.00 | 6.710% | $30,000.00 | 2.0 | None | Yes | No | 8.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $556,316.59 | 15.450% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.53 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226254461 | [Redacted] | [Redacted] | N/A | No | No | $598.09 | $598.09 | 7.625% | No | No | US Citizen | 1 | [redacted] | $690.00 | [redacted] | $57.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 791 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.1 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | [redacted] | $4,984,390.04 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6533.99 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226254600 | [Redacted] | [Redacted] | N/A | No | No | $4,203.75 | $4,203.75 | 7.875% | No | No | US Citizen | US Citizen | 1 | [redacted] | $658.32 | [redacted] | $54.86 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.5 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | 240 | [redacted] | $1,544,285.87 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 254.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259885 | [Redacted] | [Redacted] | N/A | No | No | $2,075.49 | $2,075.49 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $6,203.04 | [redacted] | $516.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 770 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.3 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [redacted] | $206,125.75 | 48.930% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 35.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259889 | [Redacted] | [Redacted] | N/A | No | No | $791.29 | $791.29 | 6.750% | No | No | US Citizen | 1 | [redacted] | $3,807.48 | [redacted] | $317.29 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 57.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259890 | [Redacted] | [Redacted] | N/A | No | No | $812.95 | $812.95 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,644.48 | [redacted] | $137.04 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 70.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259920 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,908.00 | $9,728.31 | 6.921% | $2,827.89 | $2,827.89 | 6.750% | No | No | Self-Employed | US Citizen | $10,685.41 | 1 | [redacted] | $6,352.44 | [redacted] | $529.37 | 42.424% | 42.424% | 42.424% | [Redacted] | 706 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,908.00 | 6.710% | $0.00 | 2.4 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $132,369.52 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 29.99 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259939 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,092.90 | $16,597.44 | 7.299% | $3,602.30 | $3,602.30 | 6.990% | No | No | Self-Employed | US Citizen | $51,707.08 | 1 | [redacted] | $1,385.28 | [redacted] | $115.44 | 8.975% | 8.975% | 8.975% | [Redacted] | 755 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,092.90 | 6.710% | $0.00 | 2.1 | None | No | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $27,323.56 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 104.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259942 | [Redacted] | [Redacted] | N/A | No | No | $7,279.12 | $9,855.27 | 8.759% | $1,409.38 | $1,409.38 | 8.250% | No | No | Non-Employment Income | US Citizen | $2,575.81 | 1 | [redacted] | $735.00 | [redacted] | $61.25 | 49.393% | 49.393% | 49.393% | [Redacted] | 790 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 | [Borrower]; 4506-C - 2026 [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $7,279.12 | 6.640% | $500.00 | 1.4 | None | Yes | No | 8.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $108,078.71 | 46.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.93 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226259963 | [Redacted] | [Redacted] | N/A | No | No | $1,101.41 | $1,101.41 | 6.625% | No | No | US Citizen | US Citizen | 1 | [redacted] | $2,488.08 | [redacted] | $207.34 | 0.000% | 0.000% | 0.000% | [Redacted] | 815 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 53.4 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226261456 | [Redacted] | [Redacted] | N/A | No | No | $4,306.64 | $4,306.64 | 7.875% | No | No | US Citizen | US Citizen | 1 | [redacted] | $658.32 | [redacted] | $54.86 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.3 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.66 | 0.59 | 240 | [redacted] | $857,960.85 | 98.050% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 119.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226263436 | [Redacted] | [Redacted] | N/A | No | No | $48,930.00 | $17,018.82 | 7.170% | $4,885.04 | $4,885.04 | 6.990% | No | No | Not Employed | Self-Employed | US Citizen | $47,874.52 | 3 | [redacted] | $1,076.04 | [redacted] | $89.67 | 31.870% | 31.870% | 31.870% | [Redacted] | 700 | No | Yes | 12 | Business | 100.000% | 90.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2009 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $48,930.00 | 6.680% | $0.00 | 2.6 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.36 | No | No | $70,269.77 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226263946 | [Redacted] | [Redacted] | N/A | No | No | $1,167.48 | $1,167.48 | 6.750% | No | No | 0 | 0 | US Citizen | Not Provided | Not Provided | 1 | [redacted] | $2,525.52 | [redacted] | $210.46 | 0.000% | 0.000% | 0.000% | [Redacted] | 747 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [redacted] | $325,903.50 | 85.760% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 108.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | VE | $13,750,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226264146 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,579.00 | $19,671.38 | 7.079% | $5,018.94 | $5,018.94 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $93,869.85 | 1 | [redacted] | $2,520.00 | [redacted] | $210.00 | 12.540% | 12.540% | 12.540% | [Redacted] | 756 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 1995 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,579.00 | 6.720% | $2,907.50 | 2.5 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $645,736.38 | 64.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.98 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226264424 | [Redacted] | [Redacted] | N/A | No | No | $1,496.88 | $1,496.88 | 8.000% | No | No | US Citizen | 1 | [redacted] | $1,215.00 | [redacted] | $101.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $207,404.52 | 81.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 83.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226264833 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,140.00 | $8,999.00 | 7.048% | $5,134.27 | $5,134.27 | 6.990% | No | No | Non-Employment Income | US Citizen | $15,776.36 | 1 | [redacted] | $7,749.72 | [redacted] | $645.81 | 0.000% | 0.000% | 0.000% | [Redacted] | 794 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $3,140.00 | 6.720% | $1,632.50 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $1,587,091.13 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 179.47 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226264848 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,239.40 | $5,921.36 | 7.464% | $1,038.61 | $1,038.61 | 7.125% | No | No | Self-Employed | US Citizen | $5,852.10 | 1 | [redacted] | $885.96 | [redacted] | $73.83 | 19.479% | 19.479% | 19.479% | [Redacted] | 782 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2006 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,239.40 | 6.710% | $0.00 | 1.0 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $82,830.57 | 42.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 21.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226264851 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,275.00 | $4,588.19 | 7.366% | $1,855.52 | $1,855.52 | 7.250% | No | No | Self-Employed | US Citizen | $7,710.64 | 1 | [redacted] | $899.04 | [redacted] | $74.92 | 47.540% | 47.540% | 47.540% | [Redacted] | 805 | No | Yes | 12 | Business | 55.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,275.00 | 6.710% | $0.00 | 1.8 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $46,716.19 | 13.740% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 0.3 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226264978 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,485.38 | $23,027.66 | 7.845% | $6,104.72 | $6,104.72 | 7.625% | No | No | Self-Employed | US Citizen | $23,307.60 | 1 | [redacted] | $13,941.96 | [redacted] | $1,161.83 | 30.723% | 30.723% | 30.723% | [Redacted] | 740 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $16,485.38 | 6.410% | $0.00 | 2.6 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 0.14 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226265141 | [Redacted] | [Redacted] | Non QM | Yes | No | $995.00 | $1,811.96 | 7.617% | $1,120.14 | $1,120.14 | 7.500% | No | No | Not Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Mexico | Mexico | $8,294.74 | 1 | [redacted] | $1,640.04 | [redacted] | $136.67 | 30.563% | 30.563% | 30.563% | [Redacted] | 792 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $995.00 | 6.680% | $0.00 | 2.1 | None | No | No | 7.500% | 0 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $152,299.11 | 55.880% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | Resident Alien Card | 23.35 | No | No | $0.00 | $11,945.63 | No | Yes | No | No | 1 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226265143 | [Redacted] | [Redacted] | N/A | No | No | $15,475.75 | $31,428.45 | 7.442% | $17,094.21 | $17,094.21 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $36,355.69 | 1 | [redacted] | $3,706.32 | [redacted] | $308.86 | 41.301% | 41.301% | 41.301% | [Redacted] | 721 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $15,475.75 | 6.710% | $0.00 | 1.7 | None | N/A | No | 7.375% | 2 | 0 | 2 | 0 | 3 | 3 | 0.00 | No | [redacted] | $551,893.60 | 16.720% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.81 | No | No | $0.00 | $19,583.33 | No | No | No | No | 2 | 360 | AE | 08/27/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226265355 | [Redacted] | [Redacted] | N/A | No | No | $1,141.68 | $1,141.68 | 6.375% | No | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | [redacted] | $882.00 | [redacted] | $73.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.8 | No | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.72 | [redacted] | $418,383.59 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 410.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 10 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226265420 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,629.40 | $14,862.10 | 7.160% | $4,333.39 | $4,333.39 | 6.990% | No | No | Self-Employed | US Citizen | $15,778.14 | 1 | [redacted] | $3,098.40 | [redacted] | $258.20 | 41.715% | 41.715% | 41.715% | [Redacted] | 743 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,629.40 | 6.710% | $3,750.00 | 1.6 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $186,447.00 | 22.870% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.86 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226265492 | [Redacted] | [Redacted] | N/A | No | No | $52,682.50 | $17,861.02 | 7.490% | $4,977.54 | $5,721.33 | 7.896% | No | No | Not Employed | Self-Employed | US Citizen | $165,801.99 | 1 | [redacted] | $1,801.68 | [redacted] | $150.14 | 29.660% | 29.751% | 29.660% | [Redacted] | 765 | No | Yes | 36 | Business | 100.000% | 25.000% | [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 70.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $52,682.50 | 6.300% | $0.00 | 1.3 | None | Yes | No | 7.896% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $30,139.21 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 51.75 | No | No | $235,713.73 | $0.00 | No | No | No | No | 9 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226267058 | [Redacted] | [Redacted] | N/A | No | No | $667.97 | $667.97 | 7.125% | No | No | 0 | US Citizen | Not Provided | 3 | [redacted] | $5,719.44 | [redacted] | $476.62 | 0.000% | 0.000% | 0.000% | [Redacted] | 692 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.12 | 0.46 | 240 | [redacted] | $25,113.51 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226267634 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,767.50 | $20,725.57 | 9.520% | $9,296.88 | $9,296.88 | 9.375% | No | No | Self-Employed | US Citizen | $25,070.76 | 1 | [redacted] | $7,055.28 | [redacted] | $587.94 | 37.867% | 41.657% | 37.867% | [Redacted] | 696 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 12.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,767.50 | 6.300% | $7,500.00 | 4.0 | None | No | No | 9.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $328,112.54 | 24.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.3 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | AH | 09/07/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226268170 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,551.51 | $3,485.92 | 8.807% | $2,607.91 | $2,607.91 | 8.750% | No | No | Self-Employed | US Citizen | $12,060.89 | 1 | [redacted] | $2,731.20 | [redacted] | $227.60 | 36.818% | 36.818% | 36.818% | [Redacted] | 700 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,551.51 | 6.610% | $23,400.00 | 3.9 | None | No | No | 8.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $45,388.00 | 11.630% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.98 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269758 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,636.35 | $8,137.62 | 7.366% | $1,884.73 | $1,884.73 | 7.125% | No | No | Self-Employed | US Citizen | $3,894.08 | 1 | [redacted] | $1,644.96 | [redacted] | $137.08 | 41.963% | 41.963% | 41.963% | [Redacted] | 752 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,636.35 | 6.530% | $0.00 | 2.8 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $6,398.64 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.81 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226269759 | [Redacted] | [Redacted] | N/A | No | No | $1,592.84 | $1,592.84 | 6.750% | No | No | 0 | US Citizen | US Citizen | 4 | [redacted] | $2,621.16 | [redacted] | $218.43 | 0.000% | 0.000% | 0.000% | [Redacted] | 812 | 799 | 842 | 812 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 3.04 | 0.32 | [redacted] | $22,042.86 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226273347 | [Redacted] | [Redacted] | N/A | No | No | $11,406.25 | $11,406.25 | 6.250% | No | No | US Citizen | 1 | [redacted] | $9,020.16 | [redacted] | $751.68 | 0.000% | 0.000% | 0.000% | [Redacted] | 735 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 5.0 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.62 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 161.56 | Yes | 35.000% | 0 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226273598 | [Redacted] | [Redacted] | N/A | No | No | $2,741.60 | $2,741.60 | 6.990% | No | No | Foreign National | Foreign National | 1 | [redacted] | $846.36 | [redacted] | $70.53 | 0.000% | 0.000% | 0.000% | [Redacted] | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [redacted] | $164,027.61 | 29.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | 16.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226273642 | [Redacted] | [Redacted] | Non QM | Yes | No | $103,680.00 | $87,915.40 | 7.749% | $22,165.34 | $23,902.44 | 7.896% | No | No | Self-Employed | US Citizen | $2,764,810.31 | 1 | [redacted] | $24,298.56 | [redacted] | $2,024.88 | 2.038% | 1.976% | 2.038% | [Redacted] | 724 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $103,680.00 | 6.130% | $0.00 | 4.4 | None | Yes | No | 7.896% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $3,453,842.14 | 72.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 66.26 | Yes | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | AE | 09/01/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226273803 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,427.00 | $10,962.92 | 8.582% | $2,343.95 | $2,343.95 | 8.250% | No | No | Self-Employed | US Citizen | $17,885.52 | 1 | [redacted] | $582.00 | [redacted] | $48.50 | 23.446% | 23.446% | 23.446% | [Redacted] | 618 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,427.00 | 6.710% | $0.00 | 1.0 | None | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226273916 | [Redacted] | [Redacted] | N/A | No | No | $3,450.54 | $3,450.54 | 6.750% | No | No | US Citizen | 1 | [redacted] | $2,404.80 | [redacted] | $200.40 | 0.000% | 0.000% | 0.000% | [Redacted] | 720 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.1 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | $445,532.39 | 66.990% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 53.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226274509 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,262.94 | $5,225.67 | 8.564% | $1,771.04 | $1,771.04 | 8.375% | No | No | Self-Employed | US Citizen | $5,040.95 | 1 | [redacted] | $1,212.96 | [redacted] | $101.08 | 29.033% | 29.033% | 29.033% | [Redacted] | 788 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,262.94 | 6.680% | $8,000.00 | 2.1 | None | No | No | 8.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $41,208.88 | 15.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226276136 | [Redacted] | [Redacted] | N/A | No | No | $45,430.00 | $17,554.55 | 7.942% | $4,656.77 | $4,656.77 | 7.500% | No | No | Employed | US Citizen | $8,925.26 | 3 | [redacted] | $8,743.20 | [redacted] | $728.60 | 21.914% | 27.140% | 22.268% | [Redacted] | 801 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $45,430.00 | 6.300% | $0.00 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | [redacted] | $549,646.00 | 61.890% | No | 29 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 47.53 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226277635 | [Redacted] | [Redacted] | N/A | No | No | $771.47 | $771.47 | 8.375% | No | No | US Citizen | 1 | [redacted] | $1,055.76 | [redacted] | $87.98 | 0.000% | 0.000% | 0.000% | [Redacted] | 667 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 57.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226278940 | [Redacted] | [Redacted] | N/A | No | No | $5,299.15 | $5,299.15 | 7.250% | No | No | US Citizen | 2 | [redacted] | $4,211.04 | [redacted] | $350.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 720 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | [redacted] | $401,489.67 | 41.340% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 28.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226278941 | [Redacted] | [Redacted] | N/A | No | No | $3,645.70 | $3,645.70 | 7.625% | No | No | 0 | US Citizen | US Citizen | 2 | [redacted] | $1,809.96 | [redacted] | $150.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 736 | 744 | 709 | 736 | Level 4-Stated/Verified as defined | No | No | DSCR | 1 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 23.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226278943 | [Redacted] | [Redacted] | N/A | No | No | $6,646.37 | $6,646.37 | 7.000% | No | No | US Citizen | 3 | [redacted] | $7,836.60 | [redacted] | $653.05 | 0.000% | 0.000% | 0.000% | [Redacted] | 720 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.8 | [redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 26.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226278949 | [Redacted] | [Redacted] | N/A | No | No | $17,152.50 | $30,612.42 | 8.578% | $1,671.33 | $1,671.33 | 7.250% | No | No | Self-Employed | US Citizen | $10,968.41 | 1 | [redacted] | $0.00 | [redacted] | $0.00 | 27.679% | 27.679% | 27.679% | [Redacted] | 793 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2017 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [redacted] | $17,152.50 | 6.490% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $1,475.00 | No | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | No | Individual | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 87.45 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226278953 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,678.35 | $545.00 | 7.328% | $3,786.63 | $3,786.63 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $19,713.78 | 1 | [redacted] | $2,842.20 | [redacted] | $236.85 | 39.624% | 39.624% | 39.624% | [Redacted] | 741 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,678.35 | 6.720% | $20,105.28 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $200,500.06 | 26.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 54 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226278956 | [Redacted] | [Redacted] | N/A | No | No | $847.40 | $847.40 | 6.990% | No | No | US Citizen | 1 | [redacted] | $650.04 | [redacted] | $54.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 750 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.5 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.74 | [redacted] | $76,422.25 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 186.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226278963 | [Redacted] | [Redacted] | N/A | No | No | $0.00 | $489.17 | 7.340% | $2,859.40 | $2,859.40 | 7.375% | No | No | Employed | US Citizen | $15,332.45 | 1 | [redacted] | $0.00 | [redacted] | $0.00 | 45.804% | 45.804% | 45.804% | [Redacted] | 761 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Vesting Schedule - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | 6.720% | $9,000.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $790,752.61 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 215.67 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226278964 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,742.75 | $7,201.31 | 7.299% | $4,775.24 | $4,775.24 | 7.250% | No | No | Self-Employed | US Citizen | $19,764.85 | 1 | [redacted] | $5,474.04 | [redacted] | $456.17 | 28.490% | 28.489% | 28.489% | [Redacted] | 775 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [redacted] | $15,742.75 | 6.710% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $433,782.38 | 49.570% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 36.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226278965 | [Redacted] | [Redacted] | Non QM | Yes | No | $21,010.04 | $15,378.24 | 7.577% | $4,226.94 | $4,226.94 | 7.375% | No | No | Self-Employed | US Citizen | $9,543.95 | 1 | [redacted] | $2,862.96 | [redacted] | $238.58 | 35.913% | 35.913% | 35.913% | [Redacted] | 746 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [redacted] | $21,010.04 | 6.530% | $0.00 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $311,657.66 | 40.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 22.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226278966 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,615.31 | $7,860.71 | 10.286% | $3,580.55 | $3,580.55 | 10.125% | No | No | Self-Employed | Non-Permanent Resident Alien | Honduras | $8,815.68 | 1 | [redacted] | $2,886.96 | [redacted] | $240.58 | 35.832% | 35.832% | 35.832% | [Redacted] | 688 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,615.31 | 6.710% | $0.00 | 1.0 | None | Yes | No | 10.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $5,339.47 | 1.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 10.32 | Yes | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226278969 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $4,021.63 | 7.419% | $3,066.60 | $3,066.60 | 7.375% | No | No | Employed | US Citizen | $5,030.24 | 1 | [redacted] | $4,008.96 | [redacted] | $334.08 | 45.292% | 45.292% | 45.292% | [Redacted] | 712 | No | No | [Borrower - | Primary Income - Wages]; WVOE - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.720% | $0.00 | 3.6 | LP / LPA | Accept/Eligible | Yes | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 10.35 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226278972 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,462.00 | $781.09 | 7.790% | $1,375.51 | $1,375.51 | 7.750% | No | Yes | Not Employed | Non-Employment Income | Not Employed | 0 | US Citizen | US Citizen | US Citizen | $2,568.63 | 1 | [redacted] | $1,345.20 | [redacted] | $112.10 | 0.000% | 0.000% | 0.000% | [Redacted] | 747 | 747 | 772 | 728 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Other - 2009 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $3,462.00 | 6.710% | $7,250.00 | 2.0 | None | No | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $527,853.92 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 272.08 | No | No | $7,248.16 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226279003 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,875.00 | $5,209.96 | 7.443% | $2,956.09 | $2,956.09 | 7.375% | No | No | Employed | US Citizen | $35,026.77 | 1 | [redacted] | $726.00 | [redacted] | $60.50 | 24.943% | 24.943% | 24.943% | [Redacted] | 770 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,875.00 | 6.640% | $0.00 | 2.9 | DU | ApproveEligible | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $143,326.65 | 26.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.53 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226280149 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,095.00 | $8,055.04 | 7.200% | $4,581.29 | $4,581.29 | 7.125% | No | No | Self-Employed | US Citizen | $30,596.78 | 1 | [redacted] | $4,799.04 | [redacted] | $399.92 | 49.089% | 49.089% | 49.089% | [Redacted] | 781 | No | Yes | 12 | Business | 100.000% | 50.000% | Audited | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Audited P&L - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,095.00 | 6.720% | $8,000.00 | 1.0 | None | No | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 12.00 | No | [redacted] | $261,746.18 | 30.790% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.56 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226281125 | [Redacted] | [Redacted] | N/A | No | No | $1,188.33 | $1,188.33 | 7.750% | No | No | US Citizen | 1 | [redacted] | $744.36 | [redacted] | $62.03 | 0.000% | 0.000% | 0.000% | [Redacted] | 729 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 2.3 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.91 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 172.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226284116 | [Redacted] | [Redacted] | N/A | No | No | $6,292.93 | $6,292.93 | 7.500% | No | No | Non-Permanent Resident Alien | 2 | [redacted] | $2,041.08 | [redacted] | $170.09 | 0.000% | 0.000% | 0.000% | [Redacted] | 719 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.75 | 1.32 | [redacted] | $270,661.35 | 22.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226284120 | [Redacted] | [Redacted] | N/A | No | No | $1,076.02 | $1,076.02 | 6.750% | No | No | 0 | 0 | US Citizen | 1 | [redacted] | $1,218.96 | [redacted] | $101.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 785 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.2 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [redacted] | No | Yes | Commitment | Fee Simple | LP | Business Entity | Individual | Individual | LP | Business Entity | LLC | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 99.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226284123 | [Redacted] | [Redacted] | N/A | No | No | $1,790.00 | $5,715.54 | 8.531% | $4,774.95 | $4,774.95 | 8.500% | No | No | Employed | US Citizen | $21,859.06 | 1 | [redacted] | $17,111.04 | [redacted] | $1,425.92 | 38.058% | 38.058% | 38.058% | [Redacted] | 754 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Disability]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.720% | $13,800.00 | 1.1 | DU | ApproveIneligible | No | No | 8.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $361,189.64 | 52.340% | No | 30 | Yes | Commitment | Leasehold | Individual | Individual | No | Individual | No | Yes | No | Beacon 5.0 | FICO Risk Score Classic 04 | 40.25 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 08/28/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226284124 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $16,093.22 | 7.290% | $11,733.43 | $11,733.43 | 7.250% | No | No | Self-Employed | US Citizen | $126,091.68 | 1 | [redacted] | $9,600.00 | [redacted] | $800.00 | 14.551% | 14.551% | 14.551% | [Redacted] | 729 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.710% | $26,875.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $96,981.53 | 4.510% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.42 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226285147 | [Redacted] | [Redacted] | N/A | No | No | $1,590.00 | $19,670.70 | 7.195% | $5,383.51 | $5,383.51 | 6.990% | No | No | Employed | US Citizen | $70,376.10 | 1 | [redacted] | $1,362.00 | [redacted] | $113.50 | 28.951% | 28.951% | 28.951% | [Redacted] | 770 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.610% | $0.00 | 2.6 | LP / LPA | Accept/Eligible | No | No | 6.990% | 2 | 2 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,089,419.69 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 200.13 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226285148 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,880.52 | $9,627.72 | 6.596% | $2,233.45 | $2,233.45 | 6.375% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $5,265.66 | 1 | [redacted] | $3,546.00 | [redacted] | $295.50 | 49.960% | 49.960% | 49.960% | [Redacted] | 815 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099 Transcript - No Results Returned - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099 Transcript - No Results Returned - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099 Transcript - No Results Returned - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099 Transcript - No Results Returned - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $6,880.52 | 6.710% | $0.00 | 2.0 | None | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 2 | 0.00 | No | Other | [redacted] | $501,840.37 | 67.810% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.33 | Yes | No | $10,275.46 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226285189 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,410.93 | $22,388.88 | 7.381% | $9,002.20 | $9,002.20 | 7.250% | No | No | Self-Employed | US Citizen | $24,884.09 | 1 | [redacted] | $2,924.52 | [redacted] | $243.71 | 40.978% | 40.978% | 40.978% | [Redacted] | 745 | No | Yes | 36 | Business | 100.000% | 45.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 45.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $15,410.93 | 6.710% | $3,500.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $519,175.44 | 29.500% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.65 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226285197 | [Redacted] | [Redacted] | Non QM | Yes | No | $24,467.50 | $31,617.45 | 7.469% | $8,412.60 | $8,412.60 | 7.250% | No | No | Self-Employed | US Citizen | $14,698.51 | 2 | [redacted] | $3,320.04 | [redacted] | $276.67 | 42.679% | 42.679% | 42.679% | [Redacted] | 761 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [redacted] | $24,467.50 | 6.520% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [redacted] | $574,187.93 | 37.240% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 54.52 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226285220 | [Redacted] | [Redacted] | N/A | No | No | $15,855.00 | $7,447.81 | 8.206% | $1,522.65 | $1,522.65 | 7.875% | No | No | Employed | US Citizen | $25,654.65 | 1 | [redacted] | $390.96 | [redacted] | $32.58 | 43.845% | 44.440% | 43.845% | [Redacted] | 721 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $15,855.00 | 6.310% | $0.00 | 1.0 | None | Yes | No | 7.875% | 2 | 0 | 0 | 2 | 2 | 0.00 | No | [redacted] | $439,342.69 | No | 6 | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 199.4 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226285302 | [Redacted] | [Redacted] | N/A | No | No | $460.70 | $460.70 | 9.250% | No | No | US Citizen | 1 | [redacted] | $1,218.96 | [redacted] | $101.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 685 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226285358 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,918.76 | $17,697.90 | 7.679% | $3,610.50 | $3,610.50 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $12,551.61 | 1 | [redacted] | $2,310.96 | [redacted] | $192.58 | 36.029% | 36.029% | 36.029% | [Redacted] | 802 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $9,918.76 | 6.720% | $0.00 | 2.6 | None | Yes | No | 7.375% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $262,779.18 | 42.720% | No | 31 | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.68 | Yes | No | $0.00 | $11,287.50 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226285525 | [Redacted] | [Redacted] | N/A | No | No | $1,637.22 | $1,637.22 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,871.64 | [redacted] | $155.97 | 0.000% | 0.000% | 0.000% | [Redacted] | 805 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | $112,257.51 | 37.410% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226285528 | [Redacted] | [Redacted] | N/A | No | No | $819.24 | $819.24 | 7.125% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,783.32 | [redacted] | $148.61 | 0.000% | 0.000% | 0.000% | [Redacted] | 783 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.6 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $47,675.04 | 31.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226285793 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,155.43 | $21,173.73 | 9.405% | $4,152.96 | $4,152.96 | 8.990% | No | No | Self-Employed | US Citizen | $20,361.55 | 1 | [redacted] | $8,312.76 | [redacted] | $692.73 | 37.553% | 37.553% | 37.553% | [Redacted] | 705 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $18,155.43 | 6.780% | $15,000.00 | 3.8 | None | No | No | 8.990% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | [redacted] | $15,961.23 | 2.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 9.83 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226286465 | [Redacted] | [Redacted] | N/A | No | No | $1,181.58 | $1,181.58 | 7.000% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,418.04 | [redacted] | $118.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 757 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | [redacted] | $56,982.21 | 25.660% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226292039 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,426.00 | $6,515.20 | 7.762% | $1,545.26 | $1,545.26 | 7.500% | No | No | Self-Employed | US Citizen | $3,041.70 | 1 | [redacted] | $1,186.92 | [redacted] | $98.91 | 43.538% | 43.538% | 43.538% | [Redacted] | 753 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $5,426.00 | 6.710% | $11,000.00 | 1.0 | None | No | No | 7.500% | 1 | 0 | 0 | 2 | 0 | No | [redacted] | $38,401.69 | 14.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226293678 | [Redacted] | [Redacted] | N/A | No | No | $2,728.71 | $2,728.71 | 7.250% | No | No | US Citizen | 2 | [redacted] | $1,946.04 | [redacted] | $162.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 742 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $63,701.07 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 114.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226293824 | [Redacted] | [Redacted] | N/A | No | No | $2,318.74 | $2,318.74 | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,264.32 | [redacted] | $105.36 | 0.000% | 0.000% | 0.000% | [Redacted] | 789 | 799 | 781 | 789 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | $311,311.16 | 54.140% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individually and as Trustee | Individual | Individually and as Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226294124 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $11,479.04 | 6.980% | $2,831.13 | $2,831.13 | 6.750% | No | Yes | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $15,051.03 | 1 | [redacted] | $1,290.96 | [redacted] | $107.58 | 26.004% | 26.004% | 26.004% | [Redacted] | 794 | No | No | [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.710% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 2 | 0 | 2 | 0 | No | [redacted] | $326,469.54 | 56.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 48.66 | No | No | $19,540.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226294126 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,149.00 | $10,493.41 | 7.328% | $6,423.37 | $6,423.37 | 7.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $11,117.34 | 1 | [redacted] | $1,401.48 | [redacted] | $116.79 | 41.324% | 41.324% | 41.324% | [Redacted] | 749 | No | Yes | 24 | Business | 100.000% | 20.000% | 80.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 20.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 20.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 20.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,149.00 | 6.710% | $5,600.00 | 2.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $243,000.00 | 20.640% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.81 | No | $15,157.86 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226294128 | [Redacted] | [Redacted] | N/A | No | No | $4,107.61 | $5,658.47 | 8.250% | $1,032.50 | $1,032.50 | 7.875% | No | No | Self-Employed | US Citizen | $24,361.94 | 1 | [redacted] | $1,168.32 | [redacted] | $97.36 | 23.603% | 23.603% | 23.603% | [Redacted] | 776 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2020 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,107.61 | 6.720% | $0.00 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $2,000.00 | 1.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.87 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226294131 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $3,459.70 | 7.042% | $1,074.08 | $1,074.08 | 6.875% | No | No | Non-Employment Income | US Citizen | $3,676.82 | 1 | [redacted] | $2,032.44 | [redacted] | $169.37 | 0.000% | 0.000% | 0.000% | [Redacted] | 806 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.710% | $1,400.00 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $647,977.47 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 136.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226294138 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,765.00 | $12,772.36 | 7.495% | $3,069.79 | $3,069.79 | 7.250% | No | No | Self-Employed | Non-Permanent Resident Alien | Kazakhstan | $20,919.28 | 1 | [redacted] | $2,244.00 | [redacted] | $187.00 | 17.945% | 17.945% | 17.945% | [Redacted] | 702 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $9,765.00 | 6.720% | $5,000.00 | 2.6 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $15,000.00 | 2.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 17.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226294148 | [Redacted] | [Redacted] | N/A | No | No | $3,908.61 | $3,908.61 | 8.875% | No | No | US Citizen | 1 | [redacted] | $2,406.96 | [redacted] | $200.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 667 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [redacted] | $20,000.00 | 3.050% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.62 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226294158 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,509.38 | $17,581.78 | 7.717% | $6,319.15 | $6,319.15 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $34,229.13 | 1 | [redacted] | $1,459.08 | [redacted] | $121.59 | 29.183% | 29.183% | 29.183% | [Redacted] | 779 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $18,509.38 | 6.720% | $0.00 | 1.0 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $40,403.56 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.64 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226294164 | [Redacted] | [Redacted] | N/A | No | No | $65,942.86 | $33,757.76 | 8.079% | $5,095.55 | $5,095.55 | 7.625% | No | No | Employed | US Citizen | $40,267.80 | 1 | [redacted] | $4,377.12 | [redacted] | $364.76 | 41.211% | 41.211% | 41.211% | [Redacted] | 680 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $65,942.86 | 6.710% | $20,500.00 | 3.8 | None | No | No | 7.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $285,650.32 | 31.740% | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.37 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | VE | 03/15/2027 | $7,250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226294179 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,205.45 | $6,760.43 | 7.209% | $1,755.96 | $1,755.96 | 6.990% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $4,420.47 | 1 | [redacted] | $1,712.04 | [redacted] | $142.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $4,205.45 | 6.710% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,327,899.20 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 309.62 | Yes | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226294195 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $10,006.39 | 7.148% | $3,493.38 | $3,493.38 | 6.990% | No | No | Self-Employed | US Citizen | $9,590.20 | 1 | [redacted] | $1,513.32 | [redacted] | $126.11 | 47.821% | 47.821% | 47.821% | [Redacted] | 663 | No | Yes | 12 | Business | 84.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Child Support]; Child Support Order - 2025 [Borrower - | Non-Primary Income - Child Support]; Divorce Decree - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.710% | $10,000.00 | 1.1 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $493,238.01 | 53.900% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.11 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226294301 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,362.50 | $10,100.74 | 7.193% | $2,860.80 | $2,860.80 | 7.000% | No | No | Self-Employed | US Citizen | $10,324.45 | 1 | [redacted] | $3,792.00 | [redacted] | $316.00 | 27.114% | 27.114% | 27.114% | [Redacted] | 750 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 |
[Borrower]; Account Transcripts - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $4,362.50 | 6.710% | $10,600.00 | 1.0 | None | No | No | 7.000% | 2 | 3 | 0 | 2 | 1 | No | [redacted] | $36,699.84 | 6.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226294317 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $3,441.75 | 6.939% | $979.38 | $979.38 | 6.750% | No | No | Non-Employment Income | US Citizen | $2,136.56 | 1 | [redacted] | $1,339.68 | [redacted] | $111.64 | 44.286% | 44.286% | 44.286% | [Redacted] | 792 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.710% | $7,000.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $311,020.84 | 76.790% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226294321 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,720.00 | $13,124.70 | 6.796% | $10,040.30 | $10,040.30 | 6.750% | No | No | Self-Employed | US Citizen | $613,973.02 | 1 | [redacted] | $6,405.36 | [redacted] | $533.78 | 3.945% | 3.945% | 3.945% | [Redacted] | 785 | No | Yes | 12 | Business | 100.000% | 46.150% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 46.15% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 46.15% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 46.15% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 46.15% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 46.15% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,720.00 | 6.710% | $0.00 | 4.4 | None | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $1,580,867.81 | 81.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 99.2 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226294920 | [Redacted] | [Redacted] | N/A | No | No | $3,822.09 | $3,822.09 | 7.625% | No | No | US Citizen | US Citizen | 1 | [redacted] | $2,795.16 | [redacted] | $232.93 | 0.000% | 0.000% | 0.000% | [Redacted] | 751 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.17 | [redacted] | $275,794.10 | 36.770% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226294923 | [Redacted] | [Redacted] | N/A | No | No | $166,490.00 | $46,602.65 | 7.129% | $17,455.34 | $17,455.34 | 6.990% | No | No | Not Employed | Employed | Employed | 20.5 | US Citizen | US Citizen | $59,540.84 | 4 | [redacted] | $3,248.40 | [redacted] | $270.70 | 36.918% | 36.918% | 36.918% | [Redacted] | 767 | 737 | 732 | 759 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Yes | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $166,490.00 | 6.710% | $0.00 | None | N/A | No | 6.990% | 0 | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $3,336,700.84 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 154.17 | No | No | $36,214.18 | $58,172.51 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226294979 | [Redacted] | [Redacted] | N/A | No | No | $3,731.36 | $3,731.36 | 6.875% | No | No | Permanent Resident Alien | 1 | [redacted] | $2,141.04 | [redacted] | $178.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 811 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.9 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.66 | [redacted] | $75,139.06 | 10.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226295135 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,510.87 | $2,521.35 | 9.138% | $732.00 | $732.00 | 8.875% | No | No | Employed | US Citizen | $2,523.04 | 1 | [redacted] | $699.60 | [redacted] | $58.30 | 44.936% | 44.936% | 44.936% | [Redacted] | 677 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,510.87 | 6.780% | $0.00 | 1.0 | None | N/A | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $57,317.00 | 49.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 20.34 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226295309 | [Redacted] | [Redacted] | N/A | No | No | $725.80 | $725.80 | 7.875% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $2,325.96 | [redacted] | $193.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 706 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.68 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226295579 | [Redacted] | [Redacted] | Non QM | Yes | No | $0.00 | $4,989.89 | 7.168% | $4,392.64 | $4,392.64 | 7.125% | No | No | Self-Employed | US Citizen | $163,814.06 | 1 | [redacted] | $1,996.08 | [redacted] | $166.34 | 6.885% | 6.885% | 6.885% | [Redacted] | 811 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | 6.710% | $0.00 | 1.7 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $406,773.72 | 49.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 172.72 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 01/05/2027 | $13,000,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226296032 | [Redacted] | [Redacted] | N/A | No | No | $664.63 | $664.63 | 6.990% | No | No | US Citizen | 1 | [redacted] | $689.88 | [redacted] | $57.49 | 0.000% | 0.000% | 0.000% | [Redacted] | 773 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | [redacted] | $42,701.76 | 34.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226296046 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,052.50 | $17,758.98 | 7.569% | $13,455.75 | $19,177.06 | 7.899% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $64,972.75 | 1 | [redacted] | $4,082.16 | [redacted] | $340.18 | 25.361% | 23.211% | 25.361% | [Redacted] | 739 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,052.50 | 6.300% | $0.00 | 1.0 | None | No | No | 7.899% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 70.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | AE | 09/18/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226296832 | [Redacted] | [Redacted] | N/A | No | No | $518.97 | $518.97 | 6.875% | No | No | US Citizen | 1 | [redacted] | $637.20 | [redacted] | $53.10 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.64 | [redacted] | $11,083.60 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226297754 | [Redacted] | [Redacted] | N/A | No | No | $4,415.14 | $4,415.14 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,970.04 | [redacted] | $164.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 813 | 778 | 773 | 764 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.6 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [redacted] | $410,421.97 | 41.040% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individually and as Trustee | Individual | Individually and as Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226297757 | [Redacted] | [Redacted] | N/A | No | No | $1,111.64 | $1,111.64 | 7.125% | No | No | US Citizen | 1 | [redacted] | $1,694.76 | [redacted] | $141.23 | 0.000% | 0.000% | 0.000% | [Redacted] | 754 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 92.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | AE | $200,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226297775 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,495.00 | $11,465.40 | 7.885% | $13,650.00 | $15,081.44 | 7.875% | No | No | Employed | Employed | Permanent Resident Alien | US Citizen | $23,333.09 | 1 | [redacted] | $2,166.96 | [redacted] | $180.58 | 49.199% | 46.082% | 49.199% | [Redacted] | 753 | Yes | No | [Borrower - | Primary Income - Projected Income]; Employer Letter - 2026 [Borrower - | Primary Income - Projected Income]; Employment Offer - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Tax Return Extension - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,495.00 | 6.710% | $0.00 | 3.5 | None | No | No | 7.875% | 0 | 1 | 1 | 0 | 3 | 1 | 0.00 | No | Other | 360 | [redacted] | $985,909.82 | 37.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 32.48 | No | No | $0.00 | $18,939.11 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226297776 | [Redacted] | [Redacted] | N/A | No | No | $1,218.60 | $1,218.60 | 6.875% | No | No | US Citizen | US Citizen | 1 | [redacted] | $837.72 | [redacted] | $69.81 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | $341,366.61 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 134.82 | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226297780 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | Yes | $6,058.35 | $9,137.32 | 7.663% | $3,141.57 | $3,141.57 | 7.500% | No | Yes | Employed | Non-Employment Income | US Citizen | US Citizen | $7,992.44 | 1 | [redacted] | $2,268.00 | [redacted] | $189.00 | 38.662% | 38.662% | 38.662% | [Redacted] | 701 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Annuity]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Annuity]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Annuity]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Annuity]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $6,058.35 | 6.710% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Not Stated | [redacted] | $0.00 | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 0 | No | No | $6,162.66 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226297859 | [Redacted] | [Redacted] | N/A | No | No | $806.31 | $806.31 | 8.990% | No | No | US Citizen | 1 | [redacted] | $1,571.04 | [redacted] | $130.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 746 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.8 | No | No | 8.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | [redacted] | $37,667.68 | 31.920% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226297902 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,280.00 | $10,588.54 | 7.082% | $5,150.89 | $5,150.89 | 6.990% | No | No | Self-Employed | US Citizen | $10,420.15 | 1 | [redacted] | $2,086.32 | [redacted] | $173.86 | 39.245% | 39.245% | 39.245% | [Redacted] | 775 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,280.00 | 6.710% | $0.00 | 3.5 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $307,912.39 | 31.580% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 16.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226297908 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,542.75 | $11,899.29 | 7.588% | $3,328.93 | $3,328.93 | 7.125% | No | No | Self-Employed | US Citizen | $25,736.17 | 1 | [redacted] | $2,759.04 | [redacted] | $229.92 | 43.808% | 43.808% | 43.808% | [Redacted] | 688 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - Year Not Available |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,542.75 | 6.180% | $0.00 | 1.9 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $34,203.89 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.23 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226297918 | [Redacted] | [Redacted] | N/A | No | No | $1,116.78 | $1,116.78 | 6.875% | No | No | US Citizen | 2 | [redacted] | $1,878.96 | [redacted] | $156.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 727 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.05 | 0.48 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 60.34 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226297949 | [Redacted] | [Redacted] | N/A | No | No | $37,778.00 | $15,144.20 | 7.460% | $5,598.04 | $5,598.04 | 7.125% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $29,528.97 | 1 | [redacted] | $1,557.00 | [redacted] | $129.75 | 38.960% | 38.960% | 38.960% | [Redacted] | 738 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 19.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 19.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 19.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 19.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 19.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 19.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 19.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $37,778.00 | 6.160% | $0.00 | 2.6 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $47,891.18 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 9.24 | No | No | $0.00 | $0.00 | Yes | No | No | No | 4 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226298398 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,095.00 | $8,274.95 | 7.073% | $4,443.06 | $4,443.06 | 6.990% | No | No | Employed | Non-Permanent Resident Alien | India | $9,596.71 | 1 | [redacted] | $1,236.00 | [redacted] | $103.00 | 38.469% | 38.469% | 38.469% | [Redacted] | 800 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,095.00 | 6.710% | $1,225.80 | 1.1 | DU | ApproveEligible | Yes | No | 6.990% | 2 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $735,287.75 | 76.990% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | VISA | 73.2 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226298614 | [Redacted] | [Redacted] | N/A | No | No | $2,412.99 | $2,412.99 | 7.125% | No | No | US Citizen | 4 | [redacted] | $3,078.00 | [redacted] | $256.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.72 | [redacted] | $200,694.55 | 44.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226298620 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,290.00 | $5,410.46 | 7.004% | $1,229.09 | $1,229.09 | 6.750% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | Permanent Resident Alien | $7,189.19 | 1 | [redacted] | $605.40 | [redacted] | $50.45 | 25.274% | 25.274% | 25.274% | [Redacted] | 814 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $2,290.00 | 6.710% | $5,000.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $627,490.81 | 82.020% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 24.14 | Yes | No | $1,357.90 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226298974 | [Redacted] | [Redacted] | N/A | No | No | $671.70 | $671.70 | 6.990% | No | No | US Citizen | 3 | [redacted] | $810.96 | [redacted] | $67.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 764 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.28 | 0.43 | [redacted] | $41,707.55 | 33.010% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226299055 | [Redacted] | [Redacted] | N/A | No | No | $44,338.00 | $18,977.60 | 7.574% | $5,587.56 | $5,587.56 | 7.375% | No | No | Self-Employed | Non-Permanent Resident Alien | $30,421.35 | 4 | [redacted] | $3,873.12 | [redacted] | $322.76 | 37.116% | 37.116% | 37.116% | [Redacted] | 738 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $44,338.00 | 6.710% | $0.00 | 2.6 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $47,891.18 | No | Yes | Short Form | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | No | 8.6 | No | No | $0.00 | $0.00 | Yes | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226299532 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,537.50 | $15,323.71 | 6.876% | $5,934.67 | $5,934.67 | 6.750% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $25,311.38 | 1 | [redacted] | $1,701.00 | [redacted] | $141.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 753 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $7,537.50 | 6.720% | $0.00 | 2.1 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $2,155,853.00 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 213.16 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226300821 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,443.77 | $10,839.22 | 8.646% | $4,873.65 | $4,873.65 | 8.500% | No | No | Self-Employed | US Citizen | $12,987.22 | 1 | [redacted] | $729.00 | [redacted] | $60.75 | 34.804% | 34.804% | 34.804% | [Redacted] | 770 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,443.77 | 6.710% | $5,000.00 | 1.0 | None | No | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $10,000.00 | 1.410% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226300826 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,343.68 | $8,838.67 | 8.056% | $3,138.83 | $3,138.83 | 7.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $7,333.13 | 1 | [redacted] | $6,728.04 | [redacted] | $560.67 | 42.484% | 42.484% | 42.484% | [Redacted] | 799 | No | Yes | 12 | Business | 78.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,343.68 | 6.710% | $36,000.00 | 1.0 | None | No | No | 7.875% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $83,205.05 | 17.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.91 | Yes | No | $4,890.87 | $2,752.53 | No | No | No | No | 4 | 360 | B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226300827 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,196.62 | $4,543.51 | 7.456% | $1,334.34 | $1,334.34 | 7.250% | No | No | Self-Employed | US Citizen | $9,774.93 | 1 | [redacted] | $824.04 | [redacted] | $68.67 | 15.006% | 15.006% | 15.006% | [Redacted] | 727 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,196.62 | 6.710% | $7,000.00 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $65,643.25 | 26.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226300840 | [Redacted] | [Redacted] | N/A | No | No | $0.00 | $2,041.85 | 6.893% | $2,837.93 | $2,837.93 | 6.875% | No | No | Employed | US Citizen | $28,982.90 | 1 | [redacted] | $3,399.96 | [redacted] | $283.33 | 24.971% | 24.971% | 24.971% | [Redacted] | 760 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | 6.720% | $0.00 | 2.4 | DU | ApproveEligible | Yes | No | 6.875% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $246,365.35 | 45.620% | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.34 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | AE | 09/15/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226300847 | [Redacted] | [Redacted] | N/A | No | No | $3,393.13 | $6,616.38 | 7.811% | $4,593.99 | $4,593.99 | 7.750% | No | No | Employed | US Citizen | $10,164.52 | 1 | [redacted] | $1,502.76 | [redacted] | $125.23 | 40.175% | 40.175% | 40.175% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Other - 2023 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,393.13 | 6.720% | $0.00 | 1.7 | None | No | No | 7.750% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $17,346.42 | No | 31 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 29.52 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226300977 | [Redacted] | [Redacted] | N/A | No | No | $1,790.00 | $4,048.80 | 7.045% | $2,866.22 | $2,866.22 | 6.990% | No | No | Employed | Employed | US Citizen | US Citizen | $12,822.45 | 1 | [redacted] | $2,850.96 | [redacted] | $237.58 | 26.231% | 26.231% | 26.231% | [Redacted] | 799 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.610% | $2,500.00 | 3.9 | DU | ApproveEligible | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $542,080.79 | 94.270% | No | 30 | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 107.64 | No | No | $0.00 | $9,748.82 | No | No | No | No | 1 | 360 | AE | 09/11/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226300978 | [Redacted] | [Redacted] | N/A | No | No | $2,635.42 | $2,635.42 | 6.875% | No | No | US Citizen | 4 | [redacted] | $4,531.32 | [redacted] | $377.61 | 0.000% | 0.000% | 0.000% | [Redacted] | 735 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | 240 | [redacted] | $295,061.54 | 48.770% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226300980 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,931.00 | $15,293.70 | 6.444% | $3,977.53 | $3,977.53 | 6.250% | No | No | Self-Employed | US Citizen | $9,925.90 | 1 | [redacted] | $1,899.00 | [redacted] | $158.25 | 49.913% | 49.913% | 49.913% | [Redacted] | 799 | No | Yes | 12 | Business | 100.000% | 15.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 15.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 15.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 15.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 15.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 15.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 15.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $11,931.00 | 6.780% | $981.32 | 2.7 | None | No | No | 6.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $387,073.38 | 43.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.36 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226300984 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $4,994.20 | 6.711% | $2,554.84 | $2,554.84 | 6.625% | No | No | Self-Employed | US Citizen | $25,355.74 | 1 | [redacted] | $5,581.20 | [redacted] | $465.10 | 18.710% | 18.710% | 18.710% | [Redacted] | 770 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.720% | $127,000.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $189,006.37 | 28.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.74 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AH | 09/10/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226300985 | [Redacted] | [Redacted] | N/A | No | No | $19,938.50 | $10,259.31 | 9.277% | $1,951.32 | $1,951.32 | 8.875% | No | No | Employed | US Citizen | $1,668.25 | 1 | [redacted] | $1,198.32 | [redacted] | $99.86 | 40.461% | 40.461% | 40.461% | [Redacted] | 667 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $19,938.50 | 6.720% | $6,500.00 | 3.9 | None | No | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $209,032.63 | 63.920% | No | 29 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | 49.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226301093 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,580.00 | $8,458.68 | 6.997% | $3,672.23 | $3,672.23 | 6.875% | No | No | Non-Employment Income | Employed | US Citizen | US Citizen | $12,354.78 | 1 | [redacted] | $4,602.84 | [redacted] | $383.57 | 38.593% | 38.593% | 38.593% | [Redacted] | 793 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $7,580.00 | 6.710% | $10,000.00 | 1.0 | None | Yes | No | 6.875% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,244,788.83 | 100.000% | No | 31 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 213.01 | Yes | No | $708.89 | $8,935.95 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226301095 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,445.00 | $10,131.27 | 7.438% | $3,083.44 | $3,083.44 | 7.250% | No | No | Self-Employed | US Citizen | $10,507.07 | 1 | [redacted] | $1,577.04 | [redacted] | $131.42 | 28.337% | 28.337% | 28.337% | [Redacted] | 785 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,445.00 | 6.710% | $10,000.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $198,136.07 | 35.060% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226301102 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,863.70 | $11,539.36 | 7.244% | $4,945.09 | $4,945.09 | 7.125% | No | No | Self-Employed | US Citizen | $28,866.90 | 1 | [redacted] | $2,190.96 | [redacted] | $182.58 | 36.734% | 36.734% | 36.734% | [Redacted] | 772 | No | Yes | 12 | Business | 100.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,863.70 | 6.710% | $0.00 | 2.7 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $427,698.86 | 46.610% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.88 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226301127 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,050.00 | $7,697.80 | 7.878% | $1,342.49 | $1,342.49 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $3,315.35 | 1 | [redacted] | $2,109.60 | [redacted] | $175.80 | 45.481% | 45.481% | 45.481% | [Redacted] | 703 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,050.00 | 6.720% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $31,674.81 | 13.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.49 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226301128 | [Redacted] | [Redacted] | N/A | No | No | $3,369.20 | $3,369.20 | 6.125% | No | No | US Citizen | 2 | [redacted] | $2,043.96 | [redacted] | $170.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 789 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [redacted] | $47,251.14 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 10.28 | No | $0.00 | $0.00 | No | No | No | No | 8 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226301161 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,290.00 | $0.00 | 8.573% | $4,826.19 | $4,826.19 | 8.625% | No | No | Self-Employed | US Citizen | $33,216.39 | 1 | [redacted] | $1,989.00 | [redacted] | $165.75 | 30.104% | 30.104% | 30.104% | [Redacted] | 712 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 2 | 0 | 1 | [redacted] | $2,290.00 | 6.160% | $17,000.00 | 1.0 | None | No | No | 8.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $57,408.74 | 7.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.97 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226302218 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,130.50 | $1,578.47 | 6.961% | $11,354.56 | $11,354.56 | 6.990% | No | Yes | Employed | Employed | US Citizen | US Citizen | $43,431.95 | 3 | [redacted] | $7,149.36 | [redacted] | $595.78 | 28.840% | 28.840% | 28.840% | [Redacted] | 763 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,130.50 | 6.720% | $48,000.00 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | HELOC | No | [redacted] | $683,227.70 | 27.660% | No | 16 | 32 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.04 | No | $0.00 | $47,716.09 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226302220 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,495.00 | $17,181.04 | 8.631% | $4,864.46 | $4,864.46 | 8.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $18,106.98 | 1 | [redacted] | $1,905.00 | [redacted] | $158.75 | 42.175% | 42.175% | 42.175% | [Redacted] | 643 | No | Yes | 24 | Business | 100.000% | 49.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $17,495.00 | 6.710% | $40,000.00 | 1.3 | None | No | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $164,758.03 | 20.590% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.43 | Yes | No | $18,900.49 | $0.00 | No | No | No | No | 2 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226302349 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,940.00 | $1,791.83 | 7.087% | $1,796.54 | $1,796.54 | 6.990% | No | No | Self-Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Peru | Peru | $2,818.23 | 1 | [redacted] | $1,553.04 | [redacted] | $129.42 | 49.604% | 49.604% | 49.604% | [Redacted] | 789 | No | Yes | 12 | Personal | 27.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,940.00 | 6.200% | $21,614.58 | 1.0 | None | Yes | No | 6.990% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $577,661.95 | 79.670% | No | 19 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | Passport | 18.22 | No | $0.00 | $4,058.44 | Yes | Yes | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226303159 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,095.00 | $11,657.78 | 6.926% | $2,241.09 | $2,241.09 | 6.625% | No | No | Self-Employed | US Citizen | $4,774.99 | 1 | [redacted] | $1,649.04 | [redacted] | $137.42 | 46.294% | 46.294% | 46.294% | [Redacted] | 770 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $2,095.00 | 6.720% | $0.00 | 1.4 | None | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | No | [redacted] | $279,068.00 | 48.960% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226303268 | [Redacted] | [Redacted] | N/A | No | No | $3,025.16 | $3,025.16 | 7.375% | No | No | US Citizen | 1 | [redacted] | $1,217.28 | [redacted] | $101.44 | 0.000% | 0.000% | 0.000% | [Redacted] | 735 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.12 | [redacted] | $351,705.62 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Yes | 79.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226303670 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,745.00 | $3,827.88 | 7.583% | $2,157.42 | $2,157.42 | 7.500% | No | No | Self-Employed | US Citizen | $9,269.79 | 1 | [redacted] | $2,653.68 | [redacted] | $221.14 | 27.083% | 27.083% | 27.083% | [Redacted] | 782 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,745.00 | 6.710% | $24,650.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226303900 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $5,799.50 | 7.312% | $3,294.27 | $4,684.75 | 7.649% | No | No | Non-Employment Income | US Citizen | $6,355.65 | 1 | [redacted] | $1,566.00 | [redacted] | $130.50 | 48.719% | 37.500% | 48.719% | [Redacted] | 777 | Yes | No | [Borrower - | Primary Income - Pension]; Account Statements - 2026 [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Pension]; 1099 Transcript - 2025 [Borrower - | Primary Income - Pension]; 1099-R - 2025 [Borrower - | Primary Income - Pension]; 1099 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.130% | $0.00 | None | Yes | No | 7.649% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $484,107.23 | 56.950% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 45.41 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226304066 | [Redacted] | [Redacted] | N/A | No | No | $30,554.00 | $12,133.92 | 7.022% | $2,628.12 | $2,628.12 | 6.750% | No | No | Not Employed | Self-Employed | Self-Employed | 3.36 | US Citizen | US Citizen | $54,486.75 | 1 | [redacted] | $1,922.04 | [redacted] | $160.17 | 11.882% | 11.882% | 11.882% | [Redacted] | 803 | 800 | 824 | 803 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 100.000% | 49.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2023 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2023 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $30,554.00 | 6.710% | $10,000.00 | 3.0 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $746,146.40 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 158.91 | No | No | $61,834.14 | $0.00 | No | No | No | No | 3 | 360 | AE | 03/21/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226304158 | [Redacted] | [Redacted] | N/A | No | No | $17,690.63 | $9,477.93 | 8.230% | $1,423.87 | $1,423.87 | 7.750% | No | No | Self-Employed | Non-Permanent Resident Alien | Guatemala | $14,293.27 | 1 | [redacted] | $1,753.20 | [redacted] | $146.10 | 35.258% | 35.258% | 35.258% | [Redacted] | 696 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2018 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $17,690.63 | 6.710% | $12,000.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $94,185.61 | 35.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 29.84 | No | No | $0.00 | $0.00 | Yes | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226304308 | [Redacted] | [Redacted] | N/A | No | No | $907.23 | $907.23 | 7.500% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $539.04 | [redacted] | $44.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 741 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.51 | 0.65 | [redacted] | $5,354.00 | 3.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | AE | $500,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226304317 | [Redacted] | [Redacted] | N/A | No | No | $3,413.17 | $3,413.17 | 6.500% | No | No | US Citizen | 4 | [redacted] | $3,744.00 | [redacted] | $312.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 711 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.06 | 0.48 | [redacted] | $350,976.38 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 72.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226304320 | [Redacted] | [Redacted] | N/A | No | No | $81,920.00 | $34,380.12 | 7.174% | $6,897.75 | $6,897.75 | 6.875% | No | No | Not Employed | Self-Employed | Self-Employed | Not Employed | 12.29 | 0 | US Citizen | US Citizen | US Citizen | $23,458.51 | 2 | [redacted] | $6,148.56 | [redacted] | $512.38 | 43.412% | 43.412% | 43.412% | [Redacted] | 741 | 633 | 637 | 657 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 100.000% | 48.600% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 48.60% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 48.60% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 48.60% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 48.60% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $81,920.00 | 6.710% | $0.00 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $807,642.00 | 44.860% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.42 | Yes | No | $41,454.76 | $0.00 | No | No | No | No | 5 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226304325 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $4,360.74 | 7.325% | $2,810.57 | $2,810.57 | 7.250% | No | No | Self-Employed | US Citizen | $18,115.43 | 1 | [redacted] | $1,629.00 | [redacted] | $135.75 | 31.767% | 31.767% | 31.767% | [Redacted] | 756 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.710% | $2,000.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $59,512.18 | 11.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.98 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226304326 | [Redacted] | [Redacted] | N/A | No | No | $6,841.00 | $13,867.56 | 7.667% | $3,045.88 | $3,045.88 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $26,651.30 | 1 | [redacted] | $1,728.96 | [redacted] | $144.08 | 38.754% | 38.754% | 38.754% | [Redacted] | 775 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $6,841.00 | 6.710% | $3,500.00 | 1.0 | DU | ApproveIneligible | No | No | 7.375% | 2 | 2 | 1 | 0 | 3 | 0 | 0.00 | No | [redacted] | $237,228.30 | 48.410% | No | 0 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.68 | No | No | $0.00 | $24,184.33 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226304741 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,579.75 | $1,818.13 | 6.880% | $745.89 | $745.89 | 6.750% | No | No | Self-Employed | US Citizen | $2,236.00 | 1 | [redacted] | $1,365.00 | [redacted] | $113.75 | 45.090% | 45.090% | 45.090% | [Redacted] | 816 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,579.75 | 6.710% | $8,000.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $298,559.44 | 84.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 50.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226304811 | [Redacted] | [Redacted] | N/A | No | No | $2,470.05 | $2,470.05 | 6.875% | No | No | US Citizen | 1 | [redacted] | $393.96 | [redacted] | $32.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.75 | [redacted] | $98,146.81 | 20.880% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 4.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226305038 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,250.25 | $5,538.29 | 7.574% | $1,719.78 | $1,719.78 | 7.375% | No | Yes | Non-Employment Income | Not Employed | US Citizen | US Citizen | $2,353.66 | 1 | [redacted] | $1,050.96 | [redacted] | $87.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 748 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $2,250.25 | 6.710% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $1,096,892.08 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 420.27 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226305173 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,296.00 | $13,075.82 | 7.845% | $3,793.77 | $3,793.77 | 7.625% | No | No | Self-Employed | US Citizen | $16,685.41 | 1 | [redacted] | $1,542.00 | [redacted] | $128.50 | 40.169% | 40.169% | 40.169% | [Redacted] | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,296.00 | 6.780% | $0.00 | 2.5 | None | Yes | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $50,000.00 | 7.460% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.54 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226305423 | [Redacted] | [Redacted] | N/A | No | No | $1,354.92 | $1,354.92 | 6.875% | No | No | US Citizen | US Citizen | 2 | [redacted] | $3,174.96 | [redacted] | $264.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 728 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [redacted] | $37,786.48 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226305461 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,440.00 | $10,672.97 | 7.252% | $8,224.81 | $8,779.53 | 7.649% | No | No | Employed | Not Employed | US Citizen | US Citizen | $41,264.67 | 1 | [redacted] | $3,843.00 | [redacted] | $320.25 | 41.051% | 40.258% | 41.051% | [Redacted] | 732 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $6,440.00 | 6.260% | $16,500.00 | 3.4 | None | No | No | 7.649% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | HELOC | No | [redacted] | $464,447.91 | 28.140% | No | 32 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.85 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226306081 | [Redacted] | [Redacted] | N/A | No | No | $1,609.27 | $1,609.27 | 7.375% | No | No | US Citizen | 3 | [redacted] | $1,661.04 | [redacted] | $138.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $32,832.85 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 102.39 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226306994 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,245.00 | $12,997.00 | 6.986% | $2,145.04 | $2,145.04 | 6.625% | No | No | Self-Employed | US Citizen | $4,869.47 | 1 | [redacted] | $1,897.32 | [redacted] | $158.11 | 43.176% | 43.176% | 43.176% | [Redacted] | 805 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,245.00 | 6.780% | ($12,000.00) | 3.4 | None | N/A | No | 6.625% | 0 | 2 | 0 | 3 | 2 | 7.00 | No | [redacted] | $235,108.38 | 47.490% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226313027 | [Redacted] | [Redacted] | N/A | No | No | $3,002.65 | $3,002.65 | 5.875% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $4,204.56 | [redacted] | $350.38 | 0.000% | 0.000% | 0.000% | [Redacted] | 807 | 758 | 793 | 769 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.5 | Yes | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.64 | [redacted] | $10,000.00 | 1.470% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 109.35 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226313036 | [Redacted] | [Redacted] | N/A | No | No | $1,163.10 | $1,163.10 | 6.990% | No | No | 0 | US Citizen | Not Provided | 1 | [redacted] | $821.04 | [redacted] | $68.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 741 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.65 | 0.6 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226313042 | [Redacted] | [Redacted] | N/A | No | No | $6,130.84 | $6,130.84 | 7.125% | No | No | US Citizen | 1 | [redacted] | $2,701.68 | [redacted] | $225.14 | 0.000% | 0.000% | 0.000% | [Redacted] | 796 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.5 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | [redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 127.21 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 10 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226313045 | [Redacted] | [Redacted] | N/A | No | No | $2,671.29 | $2,671.29 | 7.125% | No | No | 0 | US Citizen | US Citizen | 2 | [redacted] | $1,763.04 | [redacted] | $146.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 638 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 39.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226313047 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,430.44 | $9,940.70 | 10.338% | $2,035.84 | $2,035.84 | 9.875% | No | No | Self-Employed | US Citizen | $11,931.90 | 1 | [redacted] | $2,295.00 | [redacted] | $191.25 | 18.990% | 18.990% | 18.990% | [Redacted] | 695 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,430.44 | 6.780% | $10,000.00 | 4.2 | None | Yes | No | 9.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $4,483.43 | 1.720% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226313066 | [Redacted] | [Redacted] | N/A | No | No | $6,303.00 | $6,049.78 | 8.180% | $2,118.57 | $2,118.57 | 7.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $22,848.11 | 1 | [redacted] | $1,329.00 | [redacted] | $110.75 | 35.074% | 35.074% | 35.074% | [Redacted] | 737 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2012 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2012 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,303.00 | 6.720% | $10,000.00 | 4.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $89,593.91 | 26.350% | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.07 | No | No | $16,459.72 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226313069 | [Redacted] | [Redacted] | N/A | No | No | $1,329.26 | $1,329.26 | 6.990% | No | No | US Citizen | 1 | [redacted] | $1,530.00 | [redacted] | $127.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 643 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.61 | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 79.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226313070 | [Redacted] | [Redacted] | N/A | No | No | $6,575.86 | $6,575.86 | 6.875% | No | No | 0 | US Citizen | US Citizen | 3 | [redacted] | $5,083.92 | [redacted] | $423.66 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | 796 | 803 | 805 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.67 | [redacted] | $656,277.94 | 45.890% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226313079 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $4,966.78 | 7.268% | $5,729.17 | $8,150.68 | 7.655% | No | No | Employed | US Citizen | $10,386.37 | 1 | [redacted] | $5,397.00 | [redacted] | $449.75 | 49.128% | 37.268% | 49.128% | [Redacted] | 784 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,390.00 | 6.200% | $0.00 | 1.4 | None | No | No | 7.655% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | 240 | [redacted] | $1,441,016.67 | 91.490% | No | 7 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 116.47 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226313146 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,405.25 | $6,414.07 | 7.602% | $3,555.51 | $3,555.51 | 7.500% | No | No | Employed | US Citizen | $8,839.56 | 1 | [redacted] | $3,426.00 | [redacted] | $285.50 | 39.386% | 39.386% | 39.386% | [Redacted] | 753 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,405.25 | 6.710% | $0.00 | 2.6 | DU | ApproveIneligible | Yes | No | 7.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 108.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226313148 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,090.63 | $7,974.40 | 7.831% | $5,319.36 | $5,319.36 | 7.750% | No | No | Self-Employed | Permanent Resident Alien | $25,797.69 | 1 | [redacted] | $2,654.88 | [redacted] | $221.24 | 22.499% | 22.499% | 22.499% | [Redacted] | 786 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $11,090.63 | 6.720% | $20,000.00 | 4.5 | None | No | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $180,709.35 | 21.900% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 16.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226313453 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,447.60 | $40,095.36 | 7.636% | $13,500.00 | $15,103.03 | 7.500% | No | No | Employed | US Citizen | $36,219.13 | 1 | [redacted] | $8,787.96 | [redacted] | $732.33 | 38.373% | 35.646% | 38.373% | [Redacted] | 815 | No | No | [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2025 [Borrower - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $11,447.60 | 6.780% | $0.00 | 3.3 | None | No | No | 7.500% | 0 | 2 | 0 | 3 | 2 | No | 360 | [redacted] | $1,089,995.53 | 40.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.84 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226313609 | [Redacted] | [Redacted] | N/A | No | No | $1,990.00 | $2,898.72 | 7.798% | $1,061.69 | $1,061.69 | 7.625% | No | No | Not Employed | Employed | US Citizen | $4,858.50 | 2 | [redacted] | $4,546.92 | [redacted] | $378.91 | 41.252% | 41.252% | 41.252% | [Redacted] | 772 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.840% | $0.00 | None | N/A | No | 7.625% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $238,938.07 | 87.840% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 170.66 | No | No | $0.00 | $7,500.00 | No | No | No | No | 3 | 360 | AE | 09/14/2027 | $272,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226313696 | [Redacted] | [Redacted] | N/A | No | No | $723.69 | $723.69 | 7.500% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,251.84 | [redacted] | $104.32 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | 754 | 805 | 772 | 756 | 802 | 764 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | [redacted] | $601,244.93 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 670.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226313757 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,095.00 | $4,609.90 | 7.155% | $5,610.39 | $5,610.39 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $10,759.46 | 1 | [redacted] | $1,437.60 | [redacted] | $119.80 | 39.928% | 39.928% | 39.928% | [Redacted] | 771 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,095.00 | 6.710% | $0.00 | 1.2 | None | Yes | No | 7.125% | 0 | 2 | 2 | 0 | 3 | 0 | 0.00 | No | [redacted] | $215,600.27 | 18.990% | No | 32 | 32 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.57 | No | No | $0.00 | $7,910.88 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226315382 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,175.20 | $3,524.38 | 7.824% | $727.18 | $727.18 | 7.500% | No | No | Self-Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Nicaragua | Nicaragua | $51,325.25 | 1 | [redacted] | $2,494.56 | [redacted] | $207.88 | 12.846% | 12.846% | 12.846% | [Redacted] | 736 | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,175.20 | 6.720% | $0.00 | 2.6 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $2,000.00 | 1.250% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | 14.59 | No | No | $29,445.18 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226315391 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,665.00 | $4,434.96 | 6.819% | $3,048.41 | $3,048.41 | 6.750% | No | Yes | Self-Employed | Self-Employed | US Citizen | US Citizen | $32,110.59 | 1 | [redacted] | $2,594.04 | [redacted] | $216.17 | 33.972% | 33.972% | 33.972% | [Redacted] | 772 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,665.00 | 6.680% | $0.00 | 2.6 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $967,194.44 | 63.420% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.92 | No | No | $44,446.20 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226315451 | [Redacted] | [Redacted] | N/A | No | No | $1,010.58 | $1,010.58 | 7.125% | No | No | US Citizen | 1 | [redacted] | $1,335.96 | [redacted] | $111.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 791 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.7 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.84 | 1.18 | [redacted] | $0.00 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 92.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226315808 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,695.90 | $18,763.20 | 7.712% | $5,465.06 | $5,465.06 | 7.500% | No | No | Self-Employed | US Citizen | $8,838.29 | 2 | [redacted] | $2,471.04 | [redacted] | $205.92 | 48.169% | 48.169% | 48.169% | [Redacted] | 710 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | [Redacted] | 1 | 0 | 0 | [redacted] | $7,695.90 | 6.710% | $0.00 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $368,707.03 | 37.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226315841 | [Redacted] | [Redacted] | N/A | No | No | $1,860.97 | $1,860.97 | 6.990% | No | No | US Citizen | 4 | [redacted] | $1,797.96 | [redacted] | $149.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 767 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.64 | [redacted] | $29,716.83 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226317207 | [Redacted] | [Redacted] | N/A | No | No | $1,253.12 | $1,253.12 | 7.125% | No | No | 0 | US Citizen | US Citizen | 2 | [redacted] | $1,404.96 | [redacted] | $117.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 789 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | [redacted] | $181,132.26 | 77.900% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 84.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226317495 | [Redacted] | [Redacted] | N/A | No | No | $1,392.69 | $1,392.69 | 6.875% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $494.04 | [redacted] | $41.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | 787 | 795 | 788 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $34,217.08 | 12.510% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226317497 | [Redacted] | [Redacted] | N/A | No | No | $2,155.33 | $2,155.33 | 7.500% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $3,839.64 | [redacted] | $319.97 | 0.000% | 0.000% | 0.000% | [Redacted] | 735 | 729 | 744 | 735 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.74 | [redacted] | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226317509 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $6,517.00 | 7.049% | $2,207.28 | $2,207.28 | 6.875% | No | No | Self-Employed | US Citizen | $7,569.89 | 1 | [redacted] | $4,949.16 | [redacted] | $412.43 | 34.026% | 34.026% | 34.026% | [Redacted] | 810 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2026 [Borrower - | Primary Income - Sole Proprietor]; Business License - 2026 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2025 [Borrower - | Primary Income - Sole Proprietor]; Other - 2024 [Borrower - | Primary Income - Sole Proprietor]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.720% | $12,600.00 | 2.4 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $287,665.35 | 68.490% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 66.95 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | AE | 09/17/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226317514 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,515.00 | $10,907.80 | 7.204% | $2,977.55 | $2,977.55 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Honduras | $6,531.68 | 1 | [redacted] | $1,642.92 | [redacted] | $136.91 | 42.178% | 42.178% | 42.178% | [Redacted] | 732 | No | Yes | 12 | Business | 100.000% | 95.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,515.00 | 6.720% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $171,212.15 | 30.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 24.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226317515 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $3,392.40 | 7.298% | $3,438.17 | $3,438.17 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $19,573.32 | 1 | [redacted] | $2,957.88 | [redacted] | $246.49 | 27.668% | 27.668% | 27.668% | [Redacted] | 796 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.720% | $10,000.00 | 1.4 | DU | ApproveEligible | Yes | No | 7.250% | 2 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,582,056.45 | 100.000% | No | 32 | 13 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 343.31 | No | No | $0.00 | $7,321.39 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226317520 | [Redacted] | [Redacted] | N/A | No | No | $1,686.99 | $1,686.99 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,458.96 | [redacted] | $121.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.3 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | $191,262.82 | 59.580% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226317522 | [Redacted] | [Redacted] | N/A | No | No | $865.02 | $865.02 | 7.990% | No | No | Permanent Resident Alien | 1 | [redacted] | $693.00 | [redacted] | $57.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 709 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.57 | 0.63 | [redacted] | $125,895.05 | 85.350% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 80.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226317529 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,235.63 | $10,265.59 | 8.301% | $9,738.29 | $9,738.29 | 8.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $28,174.65 | 1 | [redacted] | $3,988.80 | [redacted] | $332.40 | 38.559% | 38.559% | 38.559% | [Redacted] | 751 | No | Yes | 12 | Business | 100.000% | 49.000% | 51.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,235.63 | 6.710% | $53,000.00 | 3.0 | None | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $74,150.63 | 4.860% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.32 | Yes | No | $23,386.62 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226317554 | [Redacted] | [Redacted] | N/A | No | No | $1,226.17 | $1,226.17 | 7.125% | No | No | US Citizen | 1 | [redacted] | $2,167.80 | [redacted] | $180.65 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.5 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | $23,453.01 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 104.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226317558 | [Redacted] | [Redacted] | N/A | No | No | $985.87 | $985.87 | 6.750% | No | No | US Citizen | 1 | [redacted] | $724.32 | [redacted] | $60.36 | 0.000% | 0.000% | 0.000% | [Redacted] | 809 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.4 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | $69,964.71 | 36.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226317569 | [Redacted] | [Redacted] | N/A | No | No | $960.47 | $960.47 | 6.625% | No | No | US Citizen | 2 | [redacted] | $2,486.04 | [redacted] | $207.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 806 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.96 | 0.5 | [redacted] | $3,719.17 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 92.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226317582 | [Redacted] | [Redacted] | N/A | No | No | $5,082.91 | $5,082.91 | 7.000% | No | No | US Citizen | 1 | [redacted] | $5,267.88 | [redacted] | $438.99 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.6 | 0.62 | [redacted] | $782,100.93 | 81.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 92.18 | Retail | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | AH | $824,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226317587 | [Redacted] | [Redacted] | N/A | No | No | $1,110.24 | $1,110.24 | 7.250% | No | No | US Citizen | 1 | [redacted] | $735.00 | [redacted] | $61.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 695 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.75 | [redacted] | $220,938.86 | 95.020% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 86.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226317615 | [Redacted] | [Redacted] | N/A | No | No | $1,371.17 | $1,371.17 | 7.250% | No | No | 0 | US Citizen | Not Provided | 1 | [redacted] | $714.96 | [redacted] | $59.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 762 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.4 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 42.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226317677 | [Redacted] | [Redacted] | N/A | No | No | $1,099.60 | $1,099.60 | 7.990% | No | No | 0 | US Citizen | Not Provided | 2 | [redacted] | $1,137.96 | [redacted] | $94.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 751 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226317799 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $10,020.92 | 6.901% | $11,947.89 | $11,947.89 | 6.875% | No | No | Employed | US Citizen | $39,473.48 | 1 | [redacted] | $8,932.44 | [redacted] | $744.37 | 33.554% | 33.554% | 33.554% | [Redacted] | 775 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.720% | $0.00 | 2.6 | None | Yes | No | 6.875% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | Other | [redacted] | $6,761,774.59 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 403.06 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226318010 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,260.00 | $11,116.00 | 7.022% | $4,362.01 | $4,362.01 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $75,847.80 | 1 | [redacted] | $2,138.16 | [redacted] | $178.18 | 9.823% | 9.823% | 9.823% | [Redacted] | 767 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $9,260.00 | 6.780% | $0.00 | 4.1 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $529,785.00 | 63.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.39 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226318044 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,677.50 | $7,017.20 | 7.670% | $2,482.21 | $2,482.21 | 7.500% | No | No | Employed | US Citizen | $6,184.70 | 1 | [redacted] | $770.28 | [redacted] | $64.19 | 38.155% | 38.155% | 38.155% | [Redacted] | 743 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,677.50 | 6.710% | $10,000.00 | 1.1 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $185,909.72 | 39.130% | No | 5 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.72 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226318069 | [Redacted] | [Redacted] | N/A | No | No | $2,956.18 | $2,956.18 | 6.875% | No | No | US Citizen | 2 | [redacted] | $1,998.96 | [redacted] | $166.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 779 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | [redacted] | $281,744.34 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 176.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226318090 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,335.00 | $4,494.59 | 6.912% | $1,530.69 | $1,530.69 | 6.750% | No | No | Self-Employed | Permanent Resident Alien | $7,955.50 | 1 | [redacted] | $377.04 | [redacted] | $31.42 | 27.647% | 27.647% | 27.647% | [Redacted] | 784 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $9,335.00 | 6.710% | $14,850.00 | 1.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $74,467.82 | 25.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 4.67 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226318107 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $3,074.46 | 7.003% | $1,313.86 | $1,313.86 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $12,654.41 | 1 | [redacted] | $2,139.00 | [redacted] | $178.25 | 33.128% | 33.128% | 33.128% | [Redacted] | 765 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.720% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 95.38 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226318116 | [Redacted] | [Redacted] | N/A | No | No | $2,038.45 | $2,038.45 | 7.625% | No | No | US Citizen | 2 | [redacted] | $4,353.00 | [redacted] | $362.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 726 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $86,793.18 | 24.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.66 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226318903 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,558.13 | $7,533.22 | 6.967% | $4,023.69 | $4,023.69 | 6.875% | No | No | Self-Employed | US Citizen | $9,392.44 | 1 | [redacted] | $1,248.00 | [redacted] | $104.00 | 32.872% | 32.872% | 32.872% | [Redacted] | 760 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,558.13 | 6.710% | $0.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $446,452.07 | 51.020% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | 42.04 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226319325 | [Redacted] | [Redacted] | N/A | No | No | $1,642.32 | $1,642.32 | 6.875% | No | No | 0 | US Citizen | US Citizen | 2 | [redacted] | $5,780.76 | [redacted] | $481.73 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | 790 | 780 | 798 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.58 | 0.63 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 147.94 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | $591,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226319876 | [Redacted] | [Redacted] | N/A | No | No | $4,107.28 | $5,241.18 | 7.483% | $1,446.21 | $1,446.21 | 7.250% | No | No | Employed | Self-Employed | Self-Employed | 3.15 | US Citizen | US Citizen | US Citizen | $13,472.52 | 2 | [redacted] | $1,290.00 | [redacted] | $107.50 | 35.738% | 35.738% | 35.738% | [Redacted] | 786 | 793 | 763 | 777 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,107.28 | 6.720% | $0.00 | 3.6 | None | No | No | 7.250% | 2 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $150,505.19 | 56.790% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.05 | No | No | $8,741.02 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226320708 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,619.38 | $7,345.11 | 7.618% | $3,854.42 | $3,854.42 | 7.500% | No | No | Self-Employed | US Citizen | $28,289.75 | 1 | [redacted] | $1,561.56 | [redacted] | $130.13 | 22.799% | 22.799% | 22.799% | [Redacted] | 685 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,619.38 | 6.720% | $0.00 | 3.4 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 29.4 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226320723 | [Redacted] | [Redacted] | N/A | No | No | $1,930.75 | $1,930.75 | 6.990% | No | No | US Citizen | US Citizen | 1 | [redacted] | $3,577.56 | [redacted] | $298.13 | 0.000% | 0.000% | 0.000% | [Redacted] | 816 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $162,833.36 | 39.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | AE | $473,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226327184 | [Redacted] | [Redacted] | N/A | No | No | $2,144.53 | $2,144.53 | 7.625% | No | No | US Citizen | 1 | [redacted] | $1,179.00 | [redacted] | $98.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | 240 | [redacted] | $116,270.03 | 25.830% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.61 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226327186 | [Redacted] | [Redacted] | N/A | No | No | $3,059.06 | $3,059.06 | 7.500% | No | No | Permanent Resident Alien | Permanent Resident Alien | 1 | [redacted] | $2,802.96 | [redacted] | $233.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 794 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.12 | [redacted] | $502,990.81 | 80.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 71.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226327187 | [Redacted] | [Redacted] | N/A | No | No | $1,960.73 | $1,960.73 | 8.500% | No | No | US Citizen | 3 | [redacted] | $1,416.96 | [redacted] | $118.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 761 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [redacted] | $103,965.76 | 34.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226327189 | [Redacted] | [Redacted] | Non QM | Yes | No | $40,739.06 | $46,096.42 | 7.152% | $18,137.81 | $18,137.81 | 7.000% | No | No | Self-Employed | US Citizen | $245,488.56 | 1 | [redacted] | $12,862.68 | [redacted] | $1,071.89 | 25.288% | 25.288% | 25.288% | [Redacted] | 734 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $40,739.06 | 6.720% | $0.00 | 3.2 | None | No | No | 7.000% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $2,091,719.73 | 57.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 46.99 | Yes | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226327196 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,615.00 | $8,355.48 | 7.762% | $2,097.64 | $2,097.64 | 7.500% | No | No | Employed | Employed | US Citizen | US Citizen | $5,052.54 | 1 | [redacted] | $4,343.76 | [redacted] | $361.98 | 39.064% | 39.064% | 39.064% | [Redacted] | 723 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,615.00 | 6.720% | $2,300.00 | 1.0 | None | No | No | 7.500% | 2 | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $172,968.27 | 43.240% | No | 32 | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 54.07 | No | $0.00 | $3,749.86 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226327198 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,129.18 | $16,625.68 | 8.790% | $7,466.16 | $7,466.16 | 8.625% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | Non-Permanent Resident Alien | United States of America | $36,931.11 | 1 | [redacted] | $2,185.32 | [redacted] | $182.11 | 24.392% | 24.392% | 24.392% | [Redacted] | 712 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,129.18 | 6.840% | $0.00 | 3.2 | None | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $189,932.60 | 15.820% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 4.12 | No | $32,837.76 | $0.00 | No | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226327200 | [Redacted] | [Redacted] | N/A | No | No | $9,280.00 | $11,394.20 | 7.386% | $5,048.10 | $5,048.10 | 7.250% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $16,836.43 | 1 | [redacted] | $3,632.04 | [redacted] | $302.67 | 49.540% | 49.540% | 49.540% | [Redacted] | 779 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $9,280.00 | 6.780% | $18,500.00 | 1.6 | DU | ApproveEligible | No | No | 7.250% | 0 | 1 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $748,413.35 | 80.900% | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 89.69 | No | No | $11,727.33 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226327201 | [Redacted] | [Redacted] | N/A | No | No | $15,916.88 | $19,212.61 | 7.377% | $3,153.01 | $3,153.01 | 6.990% | No | No | Self-Employed | US Citizen | $7,656.33 | 1 | [redacted] | $1,193.64 | [redacted] | $99.47 | 37.930% | 37.930% | 37.930% | [Redacted] | 772 | No | No | Borrower Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [redacted] | $15,916.88 | 6.710% | $114,231.16 | 2.4 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [redacted] | $83,649.92 | 14.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | 19.78 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226327202 | [Redacted] | [Redacted] | N/A | No | No | $1,049.83 | $1,049.83 | 7.375% | No | No | US Citizen | 1 | [redacted] | $881.04 | [redacted] | $73.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 733 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.3 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | $56,776.98 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 37.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226327204 | [Redacted] | [Redacted] | N/A | No | No | $3,202.08 | $3,202.08 | 6.625% | No | No | US Citizen | 4 | [redacted] | $3,531.00 | [redacted] | $294.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 792 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | 240 | [redacted] | $0.00 | No | Yes | Final | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 145.99 | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226327207 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,865.00 | $8,610.81 | 8.069% | $1,398.60 | $1,398.60 | 7.625% | No | No | Self-Employed | US Citizen | $4,193.96 | 1 | [redacted] | $2,925.24 | [redacted] | $243.77 | 29.552% | 29.552% | 29.552% | [Redacted] | 622 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,865.00 | 6.710% | $0.00 | 3.4 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $16,696.72 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 113.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226327208 | [Redacted] | [Redacted] | N/A | No | No | $1,613.18 | $1,613.18 | 6.250% | No | No | US Citizen | 2 | [redacted] | $1,320.96 | [redacted] | $110.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 796 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [redacted] | $139,044.17 | 42.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.62 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226327210 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,725.00 | $18,650.56 | 8.177% | $4,437.42 | $4,437.42 | 7.875% | No | No | Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Venezuela (Bolivarian Republic of) | Venezuela (Bolivarian Republic of) | $15,972.09 | 1 | [redacted] | $1,239.96 | [redacted] | $103.33 | 35.938% | 35.938% | 35.938% | [Redacted] | 778 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $18,725.00 | 6.780% | $70,100.00 | 1.9 | None | No | No | 7.875% | 2 | 0 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $57,380.70 | 8.430% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | Employment Authorization | 3.44 | No | $11,682.33 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226327213 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $5,550.43 | 9.022% | $8,742.45 | $8,742.45 | 8.990% | No | No | Employed | Employed | US Citizen | US Citizen | $23,471.62 | 1 | [redacted] | $7,991.04 | [redacted] | $665.92 | 40.073% | 40.073% | 40.073% | [Redacted] | 694 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 2 | 0 | 0 | [redacted] | $1,490.00 | 6.220% | $0.00 | 1.0 | None | Yes | No | 8.990% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 5 | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.47 | No | $0.00 | $20,416.67 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226327414 | [Redacted] | [Redacted] | N/A | No | No | $4,429.34 | $4,429.34 | 6.875% | No | No | Foreign National | 1 | [redacted] | $2,003.04 | [redacted] | $166.92 | 0.000% | 0.000% | 0.000% | [Redacted] | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 2.3 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.77 | 1.28 | [redacted] | $10,000.00 | 1.110% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | 16.33 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226327415 | [Redacted] | [Redacted] | N/A | No | No | $2,090.00 | $4,175.96 | 7.194% | $3,320.02 | $3,320.02 | 7.125% | No | No | Self-Employed | US Citizen | $12,831.46 | 1 | [redacted] | $1,344.00 | [redacted] | $112.00 | 35.372% | 35.372% | 35.372% | [Redacted] | 752 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $2,090.00 | 6.720% | $0.00 | 1.8 | DU | ApproveEligible | No | No | 7.125% | 1 | 1 | 0 | 1 | 0 | No | [redacted] | $253,310.33 | 38.550% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.95 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226327426 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,275.00 | $13,508.75 | 7.564% | $8,950.00 | $11,536.09 | 7.500% | No | No | Self-Employed | US Citizen | $91,547.81 | 1 | [redacted] | $8,069.04 | [redacted] | $672.42 | 28.419% | 26.397% | 28.419% | [Redacted] | 753 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $9,275.00 | 6.780% | $0.00 | 4.6 | None | No | No | 7.500% | 0 | 0 | 0 | 6 | 0 | 12 | 0.00 | No | 240 | [redacted] | $353,696.10 | 19.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 53.97 | Yes | No | $0.00 | $0.00 | No | No | No | No | 5 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226327530 | [Redacted] | [Redacted] | N/A | No | No | $10,195.00 | $13,301.90 | 8.018% | $5,873.06 | $5,873.06 | 7.875% | No | No | Not Employed | Non-Employment Income | Not Employed | Not Employed | 0 | 0 | US Citizen | $86,190.01 | 1 | [redacted] | $2,556.36 | [redacted] | $213.03 | 0.000% | 0.000% | 0.000% | [Redacted] | 723 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $10,195.00 | 6.720% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $7,866,189.05 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individually and as Trustee | LLC | Business Entity | Trust | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 1150.86 | No | No | $132,404.83 | $0.00 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226327622 | [Redacted] | [Redacted] | N/A | No | No | $962.73 | $962.73 | 5.875% | No | No | US Citizen | 1 | [redacted] | $915.72 | [redacted] | $76.31 | 0.000% | 0.000% | 0.000% | [Redacted] | 738 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.1 | No | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.74 | [redacted] | $345,650.26 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 255.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226327815 | [Redacted] | [Redacted] | N/A | No | No | $1,042.87 | $1,042.87 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,446.00 | [redacted] | $120.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 746 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 5.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [redacted] | $350,315.27 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 268.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226327824 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,364.22 | $5,146.41 | 7.053% | $4,248.32 | $4,248.32 | 6.990% | No | No | Self-Employed | US Citizen | $8,752.95 | 1 | [redacted] | $1,987.80 | [redacted] | $165.65 | 43.813% | 43.813% | 43.813% | [Redacted] | 738 | No | Yes | 36 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $16,364.22 | 6.710% | $19,975.00 | 1.8 | None | No | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $188,224.93 | 23.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.54 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226328032 | [Redacted] | [Redacted] | N/A | No | No | $1,367.73 | $1,367.73 | 6.875% | No | No | 0 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 1 | [redacted] | $1,082.04 | [redacted] | $90.17 | 0.000% | 0.000% | 0.000% | [Redacted] | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $200,920.73 | 57.900% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | 22.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226328937 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,029.20 | $7,594.22 | 9.985% | $2,775.93 | $2,775.93 | 9.750% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $7,135.93 | 1 | [redacted] | $1,998.00 | [redacted] | $166.50 | 33.679% | 33.679% | 33.679% | [Redacted] | 729 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $12,029.20 | 6.720% | $11,680.00 | 1.6 | None | Yes | No | 9.750% | 0 | 1 | 0 | 2 | 1 | 5.97 | No | [redacted] | $52,768.39 | 14.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 3.07 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226329009 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,338.75 | $9,520.47 | 7.436% | $3,240.34 | $3,240.34 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $34,851.19 | 1 | [redacted] | $1,823.28 | [redacted] | $151.94 | 37.015% | 37.015% | 37.015% | [Redacted] | 739 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $12,338.75 | 6.710% | $0.00 | 1.8 | None | Yes | No | 7.250% | 2 | 2 | 1 | 0 | 3 | 1 | 0.00 | No | [redacted] | No | 31 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 67.1 | No | No | $0.00 | $10,237.65 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226329011 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,241.00 | $4,552.70 | 7.214% | $2,829.62 | $2,829.62 | 7.125% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $7,936.56 | 1 | [redacted] | $2,345.04 | [redacted] | $195.42 | 40.546% | 40.546% | 40.546% | [Redacted] | 754 | No | Yes | 12 | Business | 55.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,241.00 | 6.720% | $5,000.00 | 2.8 | None | Yes | No | 7.125% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $150,228.51 | 28.610% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.4 | Yes | No | $0.00 | $5,956.91 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226329046 | [Redacted] | [Redacted] | N/A | No | No | $1,413.38 | $1,413.38 | 6.875% | No | No | US Citizen | 1 | [redacted] | $867.48 | [redacted] | $72.29 | 0.000% | 0.000% | 0.000% | [Redacted] | 708 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226329062 | [Redacted] | [Redacted] | N/A | No | No | $13,568.75 | $5,550.07 | 7.149% | $1,215.32 | $1,215.32 | 6.875% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $25,801.17 | 1 | [redacted] | $2,101.44 | [redacted] | $175.12 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $13,568.75 | 6.720% | $11,335.00 | 2.6 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,704,224.07 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1032.88 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226330036 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $3,805.79 | 7.555% | $3,223.38 | $3,223.38 | 7.500% | No | No | Non-Employment Income | US Citizen | $5,057.75 | 1 | [redacted] | $1,602.96 | [redacted] | $133.58 | 43.087% | 43.087% | 43.087% | [Redacted] | 778 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.710% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $571,490.28 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 153.26 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226330678 | [Redacted] | [Redacted] | N/A | No | No | $3,220.46 | $3,220.46 | 7.625% | No | No | US Citizen | 1 | [redacted] | $8,591.04 | [redacted] | $715.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 683 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.7 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [redacted] | $348,725.82 | 49.810% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226331971 | [Redacted] | [Redacted] | N/A | No | No | $4,434.22 | $4,434.22 | 6.875% | No | No | 0 | Foreign National | 1 | [redacted] | $1,224.96 | [redacted] | $102.08 | 0.000% | 0.000% | 0.000% | [Redacted] | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 2.2 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.67 | [redacted] | $269,012.52 | 29.890% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Authorized Signor | Yes | Business Entity | No | No | 105.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226331994 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $4,527.13 | 7.902% | $7,613.23 | $7,613.23 | 7.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $13,016.11 | 1 | [redacted] | $5,318.76 | [redacted] | $443.23 | 48.559% | 48.559% | 48.559% | [Redacted] | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.640% | $0.00 | 2.6 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $33,903.91 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 31.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226340425 | [Redacted] | [Redacted] | N/A | No | No | $24,823.00 | $10,541.20 | 8.201% | $2,341.97 | $2,341.97 | 7.875% | No | No | Self-Employed | US Citizen | $31,321.79 | 1 | [redacted] | $459.00 | [redacted] | $38.25 | 31.630% | 31.630% | 31.630% | [Redacted] | 727 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $24,823.00 | 6.720% | $0.00 | 1.0 | None | No | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $271,485.09 | 71.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 54.3 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | AE | 02/26/2027 | $2,974,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226340427 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $6,946.77 | 7.104% | $3,464.39 | $3,464.39 | 6.990% | No | No | Employed | US Citizen | $177,374.59 | 1 | [redacted] | $870.24 | [redacted] | $72.52 | 9.568% | 9.568% | 9.568% | [Redacted] | 770 | No | No | [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower - | Non-Primary Income - K-1 (< 25%)]; Other - 2026 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.710% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 6.990% | 0 | 2 | 0 | 3 | 0 | No | [redacted] | $435,541.70 | 62.660% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 48.09 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226340428 | [Redacted] | [Redacted] | N/A | No | No | $1,258.59 | $1,258.59 | 7.500% | No | No | US Citizen | 1 | [redacted] | $831.00 | [redacted] | $69.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 799 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.67 | [redacted] | $133,262.86 | 59.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 51.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226340433 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,628.75 | $751.00 | 8.746% | $3,648.32 | $3,648.32 | 8.750% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $19,831.26 | 1 | [redacted] | $1,181.04 | [redacted] | $98.42 | 17.911% | 20.482% | 17.911% | [Redacted] | 701 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2017 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $11,628.75 | 6.310% | $13,793.53 | 1.3 | None | Yes | No | 8.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $92,708.60 | 17.490% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 6.86 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226340435 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $10,930.20 | 7.133% | $4,486.26 | $4,486.26 | 6.990% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $21,981.23 | 1 | [redacted] | $2,288.40 | [redacted] | $190.70 | 0.000% | 0.000% | 0.000% | [Redacted] | 774 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.710% | $0.00 | 1.9 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $2,875,091.02 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.86 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226340440 | [Redacted] | [Redacted] | N/A | No | No | $3,146.47 | $3,146.47 | 7.500% | No | No | 0 | US Citizen | US Citizen | 3 | [redacted] | $4,904.04 | [redacted] | $408.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 795 | 778 | 801 | 795 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.6 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | $185,844.30 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 124.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226340441 | [Redacted] | [Redacted] | N/A | No | No | $1,135.05 | $1,135.05 | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $2,790.96 | [redacted] | $232.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 809 | 809 | 815 | 809 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [redacted] | $416,841.75 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 202.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226340442 | [Redacted] | [Redacted] | N/A | No | No | $3,516.81 | $3,516.81 | 7.125% | No | No | US Citizen | 1 | [redacted] | $6,397.32 | [redacted] | $533.11 | 0.000% | 0.000% | 0.000% | [Redacted] | 795 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.1 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.11 | [redacted] | $133,022.60 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 109.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226340443 | [Redacted] | [Redacted] | N/A | No | No | $1,329.26 | $1,329.26 | 6.990% | No | No | US Citizen | 1 | [redacted] | $2,385.96 | [redacted] | $198.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 791 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.72 | [redacted] | $407,810.64 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 149.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226340781 | [Redacted] | [Redacted] | N/A | No | No | $850.73 | $850.73 | 6.990% | No | No | US Citizen | 1 | [redacted] | $891.00 | [redacted] | $74.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 754 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.1 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.9 | [redacted] | $1,522,215.01 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 1252.23 | No | $0.00 | $0.00 | No | No | No | No | 9 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226340941 | [Redacted] | [Redacted] | N/A | No | No | $1,135.05 | $1,135.05 | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $2,790.96 | [redacted] | $232.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 792 | 809 | 815 | 809 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [redacted] | $419,341.75 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 203.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226340943 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,796.25 | $5,181.41 | 8.023% | $2,299.25 | $2,729.62 | 8.655% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,161.33 | 1 | [redacted] | $1,406.04 | [redacted] | $117.17 | 38.062% | 38.085% | 38.062% | [Redacted] | 743 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2026 [Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,796.25 | 6.310% | $0.00 | 1.0 | None | Yes | No | 8.655% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $118,349.16 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.09 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226340951 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,290.00 | $13,580.04 | 7.322% | $9,004.73 | $9,004.73 | 7.250% | No | No | Self-Employed | US Citizen | $30,223.47 | 1 | [redacted] | $11,986.08 | [redacted] | $998.84 | 34.091% | 34.091% | 34.091% | [Redacted] | 761 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: P&L Statement | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: P&L Statement | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: P&L Statement | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,290.00 | 6.710% | $0.00 | 1.4 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $80,000.00 | 4.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.22 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 09/14/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226340986 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,642.50 | $16,233.00 | 7.232% | $2,877.35 | $2,877.35 | 6.875% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $77,568.56 | 1 | [redacted] | $2,381.76 | [redacted] | $198.48 | 11.977% | 11.977% | 11.977% | [Redacted] | 700 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,642.50 | 6.530% | $0.00 | 4.5 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $40,967.94 | No | Yes | Final | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 8.6 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226340988 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,090.00 | $9,304.34 | 7.328% | $6,821.76 | $6,821.76 | 7.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $38,028.16 | 1 | [redacted] | $3,872.28 | [redacted] | $322.69 | 29.038% | 29.038% | 29.038% | [Redacted] | 735 | No | Yes | 12 | Business | 100.000% | 51.000% | 49.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2020 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,090.00 | 6.720% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $252,404.33 | 20.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.5 | No | $26,258.77 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226361463 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $8,452.00 | 6.703% | $5,186.52 | $5,186.52 | 6.625% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $7,608.24 | 1 | [redacted] | $4,419.36 | [redacted] | $368.28 | 49.788% | 49.788% | 49.788% | [Redacted] | 778 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Sole Proprietor]; Business License - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.720% | $250,000.00 | 1.2 | None | No | No | 6.625% | 2 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | [redacted] | $806,014.38 | 50.850% | No | 28 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 45.78 | No | $3,506.38 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226380490 | [Redacted] | [Redacted] | N/A | No | No | $2,670.00 | $3,413.90 | 7.427% | $1,200.63 | $1,200.63 | 7.250% | No | No | Not Employed | Self-Employed | US Citizen | $11,053.88 | 1 | [redacted] | $615.00 | [redacted] | $51.25 | 31.356% | 31.356% | 31.356% | [Redacted] | 773 | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2025 |
[Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,670.00 | 6.710% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 2 | 2 | 0 | 2 | 0 | 0.00 | No | [redacted] | $0.00 | 0.000% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.98 | No | No | $16,103.09 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226388652 | [Redacted] | [Redacted] | N/A | No | No | $4,084.80 | $4,697.27 | 7.368% | $1,253.12 | $1,253.12 | 7.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $18,725.13 | 1 | [redacted] | $762.00 | [redacted] | $63.50 | 28.530% | 28.530% | 28.530% | [Redacted] | 766 | No | No | Audited | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,084.80 | 6.720% | $2,000.00 | 1.3 | None | Yes | No | 7.125% | 2 | 1 | 2 | 0 | 2 | 2 | 8.00 | No | [redacted] | $244,998.13 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 138.7 | Yes | No | $10,718.94 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226434847 | [Redacted] | [Redacted] | N/A | No | No | $4,204.34 | $4,204.34 | 6.875% | No | No | 0 | US Citizen | US Citizen | 3 | [redacted] | $4,560.00 | [redacted] | $380.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 792 | 791 | 813 | 809 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [redacted] | $227,289.14 | 28.410% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226444340 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,688.50 | $3,551.68 | 7.430% | $1,193.81 | $1,193.81 | 7.250% | No | No | Employed | US Citizen | $3,453.67 | 1 | [redacted] | $2,731.32 | [redacted] | $227.61 | 50.391% | 50.391% | 50.391% | [Redacted] | 770 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,688.50 | 6.710% | $1,000.00 | 3.6 | None | No | No | 7.250% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $161,830.15 | 38.990% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 109.35 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226453858 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,638.75 | $4,516.05 | 9.052% | $2,028.89 | $2,028.89 | 8.875% | No | No | Employed | Non-Permanent Resident Alien | $4,041.94 | 1 | [redacted] | $842.40 | [redacted] | $70.20 | 36.845% | 36.845% | 36.845% | [Redacted] | 706 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,638.75 | 6.780% | $0.00 | 1.0 | None | Yes | No | 8.875% | 2 | 2 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 48.04 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226453897 | [Redacted] | [Redacted] | N/A | No | No | $845.36 | $845.36 | 7.875% | No | No | US Citizen | 1 | [redacted] | $1,392.12 | [redacted] | $116.01 | 0.000% | 0.000% | 0.000% | [Redacted] | 731 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.3 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.74 | [redacted] | $79,913.93 | 54.830% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 45.31 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226454269 | [Redacted] | [Redacted] | Non QM | Yes | No | $0.00 | $3,023.46 | 8.165% | $3,356.09 | $3,356.09 | 8.125% | No | No | Employed | US Citizen | $5,596.98 | 1 | [redacted] | $465.96 | [redacted] | $38.83 | 46.269% | 46.269% | 46.269% | [Redacted] | 791 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | 6.640% | $6,150.00 | 1.0 | DU | ApproveEligible | Yes | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $190,324.71 | 33.680% | No | 5 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226454416 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $2,863.60 | 7.035% | $3,459.57 | $3,459.57 | 7.000% | No | No | Self-Employed | US Citizen | $11,149.12 | 1 | [redacted] | $3,765.96 | [redacted] | $313.83 | 47.182% | 47.182% | 47.182% | [Redacted] | 756 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,390.00 | 6.780% | $0.00 | 1.0 | None | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [redacted] | $325,037.13 | 40.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.73 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226454569 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,851.40 | $15,996.04 | 6.987% | $4,125.08 | $4,125.08 | 6.750% | No | No | Non-Employment Income | US Citizen | $51,308.20 | 1 | [redacted] | $2,121.96 | [redacted] | $176.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 798 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $13,851.40 | 6.710% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $3,366,723.38 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 548.99 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226456369 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,489.50 | $1,128.38 | 8.260% | $3,076.44 | $3,076.44 | 8.250% | No | No | Self-Employed | US Citizen | $6,549.72 | 1 | [redacted] | $605.04 | [redacted] | $50.42 | 35.566% | 35.566% | 35.566% | [Redacted] | 750 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,489.50 | 6.780% | $24,846.00 | 1.0 | None | N/A | No | 8.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $67,976.21 | 14.930% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.47 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226456378 | [Redacted] | [Redacted] | N/A | No | No | $1,108.54 | $1,108.54 | 7.250% | No | No | 0 | Non-Permanent Resident Alien | US Citizen | 1 | [redacted] | $1,860.00 | [redacted] | $155.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 774 | 787 | 779 | 771 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 2.7 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.72 | 0.58 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226456383 | [Redacted] | [Redacted] | N/A | No | No | $1,649.95 | $1,649.95 | 7.000% | No | No | US Citizen | 1 | [redacted] | $1,284.00 | [redacted] | $107.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 811 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.4 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | $741,329.54 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 316.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226456384 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,548.40 | $3,339.14 | 7.332% | $2,401.26 | $2,401.26 | 7.250% | No | No | Employed | Not Employed | US Citizen | US Citizen | $11,415.29 | 1 | [redacted] | $1,061.04 | [redacted] | $88.42 | 36.611% | 36.611% | 36.611% | [Redacted] | 760 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,548.40 | 6.680% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 7.250% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $450,838.13 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 112.67 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226456385 | [Redacted] | [Redacted] | N/A | No | No | $3,267.62 | $3,267.62 | 7.250% | No | No | Foreign National | 1 | [redacted] | $980.52 | [redacted] | $81.71 | 0.000% | 0.000% | 0.000% | [Redacted] | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $378,397.51 | 58.570% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | 44.68 | No | $0.00 | $0.00 | No | Yes | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226456386 | [Redacted] | [Redacted] | N/A | No | No | $1,300.30 | $1,300.30 | 8.125% | No | No | US Citizen | 1 | [redacted] | $2,346.24 | [redacted] | $195.52 | 0.000% | 0.000% | 0.000% | [Redacted] | 739 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.8 | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 26.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226456387 | [Redacted] | [Redacted] | N/A | No | No | $1,044.24 | $1,044.24 | 6.750% | No | No | 0 | Foreign National | Foreign National | 1 | [redacted] | $951.12 | [redacted] | $79.26 | 0.000% | 0.000% | 0.000% | [Redacted] | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.59 | 0.62 | [redacted] | $5,000.00 | 1.460% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 20.55 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226456443 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,915.00 | $9,222.17 | 6.873% | $2,241.09 | $2,241.09 | 6.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $14,744.49 | 1 | [redacted] | $2,442.96 | [redacted] | $203.58 | 49.126% | 49.126% | 49.126% | [Redacted] | 793 | No | Yes | 12 | Business | 100.000% | 51.000% | 49.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,915.00 | 6.710% | $0.00 | 1.3 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $672,504.38 | 87.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 76 | Yes | No | $14,201.21 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226456444 | [Redacted] | [Redacted] | N/A | No | No | $17,595.64 | $12,107.68 | 7.345% | $7,413.55 | $7,413.55 | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $20,772.82 | 1 | [redacted] | $2,892.12 | [redacted] | $241.01 | 40.439% | 40.439% | 40.439% | [Redacted] | 812 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $17,595.64 | 6.720% | $20,000.00 | 3.2 | None | Yes | No | 7.250% | 0 | 0 | 2 | 0 | 2 | 2 | 8.00 | No | [redacted] | $1,455,027.46 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 156.08 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226456445 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,702.00 | $6,726.32 | 9.372% | $1,488.12 | $1,488.12 | 8.625% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $18,145.61 | 1 | [redacted] | $990.00 | [redacted] | $82.50 | 13.979% | 13.979% | 13.979% | [Redacted] | 671 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,702.00 | 6.160% | $0.00 | None | No | No | 8.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $9,830.12 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 70.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226456446 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,244.00 | $27,472.34 | 7.412% | $6,225.16 | $6,225.16 | 7.125% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $21,662.27 | 1 | [redacted] | $1,504.08 | [redacted] | $125.34 | 34.488% | 34.488% | 34.488% | [Redacted] | 823 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $14,244.00 | 6.710% | $7,500.00 | 1.0 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $3,303,256.31 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | FICO Risk Score Classic 04 | 388.15 | Yes | No | $21,765.52 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226456448 | [Redacted] | [Redacted] | Non QM | Yes | No | $24,941.00 | $28,364.99 | 7.096% | $3,630.57 | $3,630.57 | 6.625% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $18,117.30 | 1 | [redacted] | $12,882.00 | [redacted] | $1,073.50 | 22.255% | 22.254% | 22.254% | [Redacted] | 810 | No | No | [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [redacted] | $24,941.00 | 6.710% | $2,500.00 | 1.0 | None | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | [redacted] | $252,057.32 | 31.110% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 12.03 | No | $23,303.33 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226456452 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,498.13 | $14,637.93 | 9.237% | $3,401.38 | $3,401.38 | 8.875% | No | No | Self-Employed | US Citizen | $22,968.91 | 1 | [redacted] | $1,706.04 | [redacted] | $142.17 | 24.648% | 26.535% | 24.648% | [Redacted] | 705 | No | Yes | 12 | Business | 100.000% | 60.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,498.13 | 6.340% | $9,379.48 | 1.2 | None | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $129,715.39 | 27.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 09/21/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226456454 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $4,714.67 | 7.165% | $4,720.31 | $6,223.42 | 7.125% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $12,263.83 | 1 | [redacted] | $1,509.96 | [redacted] | $125.83 | 45.512% | 38.834% | 45.512% | [Redacted] | 796 | Yes | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Other - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.710% | $9,300.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 240 | [redacted] | $1,929,374.74 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 181.44 | Yes | No | $6,785.15 | $0.00 | No | No | No | No | 2 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226456455 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,436.00 | $10,576.21 | 8.184% | $3,938.77 | $3,938.77 | 7.990% | No | No | Self-Employed | US Citizen | $20,966.26 | 1 | [redacted] | $6,912.00 | [redacted] | $576.00 | 31.371% | 31.371% | 31.371% | [Redacted] | 752 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.29000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.29000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.29000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.29000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.29000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 17.29000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,436.00 | 6.780% | $24,000.00 | 1.0 | None | No | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $131,846.21 | 22.080% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226456456 | [Redacted] | [Redacted] | N/A | No | No | $1,330.61 | $1,330.61 | 7.000% | No | No | US Citizen | 4 | [redacted] | $3,102.00 | [redacted] | $258.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 701 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 3.02 | 0.33 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 63.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226456457 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $5,266.09 | 7.085% | $3,157.00 | $3,157.00 | 6.990% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $8,050.45 | 1 | [redacted] | $2,655.60 | [redacted] | $221.30 | 40.344% | 40.344% | 40.344% | [Redacted] | 811 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.710% | $0.00 | 1.0 | LP / LPA | Accept/Eligible | No | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $936,990.90 | 74.950% | No | 31 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.71 | No | $848.20 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226456461 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,025.00 | $4,763.46 | 7.327% | $3,170.76 | $3,170.76 | 7.250% | No | No | Self-Employed | US Citizen | $11,079.51 | 1 | [redacted] | $1,792.32 | [redacted] | $149.36 | 40.848% | 40.848% | 40.848% | [Redacted] | 798 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,025.00 | 6.720% | $0.00 | 4.1 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $90,754.52 | 15.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 27.72 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226456474 | [Redacted] | [Redacted] | N/A | No | No | $1,681.31 | $1,681.31 | 6.500% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $3,105.96 | [redacted] | $258.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.89 | 1.11 | [redacted] | $279,430.82 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 226.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AH | $451,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226456594 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,530.00 | $7,096.51 | 8.171% | $2,738.01 | $2,738.01 | 7.990% | No | No | Self-Employed | US Citizen | $10,846.50 | 1 | [redacted] | $749.04 | [redacted] | $62.42 | 34.793% | 34.793% | 34.793% | [Redacted] | 752 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,530.00 | 6.710% | $5,000.00 | 2.6 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $80,935.00 | 19.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.06 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226457190 | [Redacted] | [Redacted] | N/A | No | No | $1,023.53 | $1,023.53 | 6.990% | No | No | US Citizen | 1 | [redacted] | $1,035.96 | [redacted] | $86.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 780 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $66,725.46 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 70.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226457244 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,706.25 | $7,978.03 | 7.653% | $2,843.75 | $3,665.45 | 7.500% | No | No | Employed | US Citizen | $4,659.06 | 1 | [redacted] | $1,655.04 | [redacted] | $137.92 | 53.409% | 45.192% | 53.409% | [Redacted] | 792 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Account Transcripts - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Account Transcripts - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,706.25 | 6.780% | $0.00 | 1.0 | None | Yes | No | 7.500% | 2 | 3 | 0 | 3 | 2 | 0.00 | No | 240 | [redacted] | $1,168,310.16 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 172.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226457296 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $6,173.45 | 7.275% | $10,205.36 | $10,205.36 | 7.250% | No | No | Self-Employed | US Citizen | $26,175.16 | 1 | [redacted] | $3,225.00 | [redacted] | $268.75 | 30.191% | 30.191% | 30.191% | [Redacted] | 802 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.780% | $0.00 | 4.9 | None | No | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $81,577.16 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.95 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226457375 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,971.25 | $7,385.95 | 7.841% | $2,300.33 | $2,300.33 | 7.625% | No | No | Non-Employment Income | US Citizen | $3,817.46 | 1 | [redacted] | $1,620.00 | [redacted] | $135.00 | 42.373% | 42.373% | 42.373% | [Redacted] | 743 | Yes | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $5,971.25 | 6.720% | $0.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $694,588.68 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 175.48 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226458318 | [Redacted] | [Redacted] | N/A | No | No | $24,399.91 | $7,778.36 | 7.314% | $2,609.23 | $2,609.23 | 7.125% | No | No | Self-Employed | US Citizen | $18,741.69 | 1 | [redacted] | $347.04 | [redacted] | $28.92 | 39.207% | 39.207% | 39.207% | [Redacted] | 797 | No | Yes | 12 | Business | 80.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $24,399.91 | 6.710% | $45,000.00 | None | No | No | 7.125% | 2 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $131,165.41 | 27.090% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.62 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226458353 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,795.00 | $3,488.80 | 7.508% | $2,455.83 | $2,549.33 | 7.630% | No | No | Employed | US Citizen | $8,079.03 | 1 | [redacted] | $1,664.04 | [redacted] | $138.67 | 31.966% | 31.179% | 31.966% | [Redacted] | 671 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [redacted] | $1,795.00 | 6.220% | $0.00 | 1.0 | None | No | No | 7.630% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $521,928.27 | 68.950% | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.9 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226458400 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,671.06 | $12,663.16 | 7.530% | $2,891.88 | $2,891.88 | 7.250% | No | No | Non-Employment Income | US Citizen | $15,564.11 | 1 | [redacted] | $2,895.96 | [redacted] | $241.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 746 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $6,671.06 | 6.780% | $5,000.00 | 4.5 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,287,932.53 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 358.13 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226458596 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,340.00 | $10,184.38 | 7.134% | $4,353.33 | $4,353.33 | 6.990% | No | No | Non-Employment Income | US Citizen | $11,285.43 | 1 | [redacted] | $1,947.96 | [redacted] | $162.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 815 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $8,340.00 | 6.710% | $0.00 | 4.3 | None | No | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $881,911.60 | 64.130% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 160.21 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226458721 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,421.60 | $5,086.04 | 8.055% | $1,203.57 | $1,203.57 | 7.750% | No | No | Self-Employed | US Citizen | $3,785.23 | 1 | [redacted] | $1,185.60 | [redacted] | $98.80 | 37.722% | 37.722% | 37.722% | [Redacted] | 703 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [redacted] | $2,421.60 | 6.780% | $3,000.00 | 4.5 | None | No | No | 7.750% | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $182,053.15 | 86.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.58 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226458886 | [Redacted] | [Redacted] | N/A | No | No | $918.97 | $918.97 | 8.875% | No | No | 0 | US Citizen | Not Provided | 1 | [redacted] | $2,085.36 | [redacted] | $173.78 | 0.000% | 0.000% | 0.000% | [Redacted] | 736 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.4 | Yes | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.91 | 1.09 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 54.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226474166 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,470.00 | $9,894.94 | 7.794% | $1,602.37 | $1,602.37 | 7.375% | No | No | Employed | US Citizen | $5,472.54 | 1 | [redacted] | $957.96 | [redacted] | $79.83 | 34.071% | 34.071% | 34.071% | [Redacted] | 740 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,470.00 | 6.840% | $5,800.00 | 1.0 | None | Yes | No | 7.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $163,942.62 | 56.530% | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 50.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226474217 | [Redacted] | [Redacted] | N/A | No | No | $3,422.66 | $3,422.66 | 7.750% | No | No | 0 | Non-Permanent Resident Alien | Not Provided | 1 | [redacted] | $2,468.04 | [redacted] | $205.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 728 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.78 | 1.27 | [redacted] | $552,181.74 | 75.120% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 62.46 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226474548 | [Redacted] | [Redacted] | N/A | No | No | $1,117.43 | $1,117.43 | 6.875% | No | No | 0 | Foreign National | Foreign National | 1 | [redacted] | $787.80 | [redacted] | $65.65 | 0.000% | 0.000% | 0.000% | [Redacted] | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | [redacted] | $11,400.00 | 5.020% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | 74.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226474669 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,812.50 | $8,504.92 | 7.462% | $1,199.66 | $1,199.66 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | El Salvador | $8,824.69 | 1 | [redacted] | $1,199.04 | [redacted] | $99.92 | 16.656% | 16.656% | 16.656% | [Redacted] | 637 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,812.50 | 6.720% | $0.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Passport, VISA | No | 10.69 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226474671 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,772.45 | $3,830.91 | 7.183% | $1,173.01 | $1,173.01 | 6.990% | No | No | Self-Employed | US Citizen | $2,298.34 | 1 | [redacted] | $980.40 | [redacted] | $81.70 | 40.235% | 40.235% | 40.235% | [Redacted] | 761 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,772.45 | 6.710% | $10,000.00 | 1.0 | None | No | No | 6.990% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $198,049.91 | 60.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226475366 | [Redacted] | [Redacted] | N/A | No | No | $3,227.45 | $3,227.45 | 6.990% | No | No | US Citizen | US Citizen | 2 | [redacted] | $1,430.04 | [redacted] | $119.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 763 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [redacted] | $202,842.93 | 33.410% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226475369 | [Redacted] | [Redacted] | N/A | No | No | $1,197.45 | $1,197.45 | 7.250% | No | No | Foreign National | 1 | [redacted] | $871.56 | [redacted] | $72.63 | 0.000% | 0.000% | 0.000% | [Redacted] | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $67,941.73 | 26.300% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | 5.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226475370 | [Redacted] | [Redacted] | N/A | No | No | $1,455.96 | $1,455.96 | 6.625% | No | No | 0 | US Citizen | Not Provided | 1 | [redacted] | $948.96 | [redacted] | $79.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.1 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.8 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Yes | 113.01 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226475371 | [Redacted] | [Redacted] | N/A | No | No | $3,847.47 | $3,847.47 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,017.00 | [redacted] | $84.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | [redacted] | $216,105.25 | 30.650% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $1,500,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226475384 | [Redacted] | [Redacted] | N/A | No | No | $1,687.22 | $1,687.22 | 7.250% | No | No | Foreign National | 1 | [redacted] | $914.04 | [redacted] | $76.17 | 0.000% | 0.000% | 0.000% | [Redacted] | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [redacted] | $87,061.53 | 24.640% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | 67.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226475385 | [Redacted] | [Redacted] | N/A | No | No | $1,395.88 | $1,395.88 | 6.625% | No | No | US Citizen | 1 | [redacted] | $2,579.76 | [redacted] | $214.98 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.8 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.76 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 52.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226475395 | [Redacted] | [Redacted] | N/A | No | No | $52,602.53 | $22,510.00 | 8.235% | $4,652.53 | $4,652.53 | 7.875% | No | No | Not Employed | Not Employed | Self-Employed | 13.41 | US Citizen | $55,526.03 | 4 | [redacted] | $5,112.96 | [redacted] | $426.08 | 12.941% | 12.941% | 12.941% | [Redacted] | 755 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $52,602.53 | 6.780% | $10,555.55 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $223,763.32 | 26.150% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 72.58 | No | No | $63,779.48 | $0.00 | No | No | No | No | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226475396 | [Redacted] | [Redacted] | N/A | No | No | $15,826.00 | $4,536.02 | 6.904% | $1,725.27 | $1,725.27 | 6.750% | No | No | Self-Employed | US Citizen | $48,968.56 | 1 | [redacted] | $1,083.00 | [redacted] | $90.25 | 33.021% | 33.021% | 33.021% | [Redacted] | 774 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $15,826.00 | 6.720% | $0.00 | 2.8 | None | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $68,468.33 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 108.24 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | AE | 03/10/2027 | $82,638,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226475459 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,497.50 | $3,723.20 | 7.701% | $985.39 | $1,092.94 | 7.926% | No | No | Self-Employed | US Citizen | $69,924.28 | 1 | [redacted] | $1,094.52 | [redacted] | $91.21 | 2.998% | 3.107% | 2.998% | [Redacted] | 767 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2026 [Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,497.50 | 6.300% | $0.00 | 4.0 | None | Yes | No | 7.926% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 111.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226475460 | [Redacted] | [Redacted] | N/A | No | No | $11,801.25 | $13,920.59 | 8.241% | $4,123.51 | $4,123.51 | 7.990% | No | No | Employed | US Citizen | $38,638.67 | 1 | [redacted] | $633.96 | [redacted] | $52.83 | 37.436% | 37.436% | 37.436% | [Redacted] | 747 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $11,801.25 | 6.780% | $0.00 | 1.3 | LP / LPA | Accept/Eligible | Yes | No | 7.990% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $422,614.55 | 67.610% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 67.97 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226475650 | [Redacted] | [Redacted] | N/A | No | No | $1,313.86 | $1,313.86 | 6.875% | No | No | US Citizen | US Citizen | 1 | [redacted] | $2,456.04 | [redacted] | $204.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 727 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.52 | 0.65 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 100.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226475692 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,745.00 | $15,628.10 | 7.073% | $8,504.50 | $11,310.60 | 6.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $44,239.99 | 1 | [redacted] | $15,399.00 | [redacted] | $1,283.25 | 25.522% | 20.798% | 25.522% | [Redacted] | 816 | No | Yes | 12 | Personal | 74.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,745.00 | 6.780% | $10,000.00 | 4.1 | None | No | No | 6.990% | 0 | 2 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 240 | [redacted] | $1,451,318.55 | 79.520% | No | 12 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 86.18 | No | $0.00 | $15,473.84 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226475693 | [Redacted] | [Redacted] | N/A | No | No | $2,097.64 | $2,097.64 | 7.500% | No | No | US Citizen | 1 | [redacted] | $1,074.00 | [redacted] | $89.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 680 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 48.68 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226475969 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $3,716.68 | 7.525% | $6,992.15 | $6,992.15 | 7.500% | No | No | Self-Employed | US Citizen | $31,912.32 | 1 | [redacted] | $5,543.16 | [redacted] | $461.93 | 28.564% | 28.564% | 28.564% | [Redacted] | 736 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.720% | $3,145.79 | 1.0 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $321,027.55 | 25.680% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.41 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226476154 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,715.00 | $21,581.10 | 7.024% | $4,773.68 | $4,773.68 | 6.750% | No | No | Self-Employed | US Citizen | $11,226.57 | 1 | [redacted] | $1,443.48 | [redacted] | $120.29 | 44.984% | 44.984% | 44.984% | [Redacted] | 762 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 1 | 0 | 0 | [redacted] | $16,715.00 | 6.720% | $112,000.00 | 2.6 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $4,484.50 | 0.480% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.73 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226476177 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $8,854.87 | 7.419% | $9,868.02 | $9,868.02 | 7.375% | No | No | Self-Employed | Employed | Non-Permanent Resident Alien | US Citizen | Denmark | $20,857.48 | 1 | [redacted] | $1,101.48 | [redacted] | $91.79 | 37.781% | 37.781% | 37.781% | [Redacted] | 739 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.840% | $10,000.00 | 1.0 | None | No | No | 7.375% | 1 | 0 | 2 | 0 | 2 | 2 | 8.00 | No | [redacted] | $612,199.86 | 32.130% | No | 14 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 10.75 | No | No | $0.00 | $12,916.67 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226478041 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,405.54 | $6,835.28 | 9.513% | $1,168.41 | $1,168.41 | 8.990% | No | No | Self-Employed | US Citizen | $8,617.99 | 1 | [redacted] | $843.00 | [redacted] | $70.25 | 18.195% | 18.195% | 18.195% | [Redacted] | 749 | No | Yes | 24 | Personal, Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,405.54 | 6.710% | $5,000.00 | 1.0 | None | Yes | No | 8.990% | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | [redacted] | $48,702.68 | 28.480% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226478047 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,660.00 | $8,643.60 | 7.045% | $1,783.64 | $1,783.64 | 6.750% | No | No | Self-Employed | Non-Permanent Resident Alien | United States of America | $5,121.45 | 1 | [redacted] | $1,563.96 | [redacted] | $130.33 | 38.411% | 38.411% | 38.411% | [Redacted] | 733 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,660.00 | 6.710% | $0.00 | 1.5 | None | No | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $6,540.30 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 6.93 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226478052 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,343.88 | $7,813.82 | 7.391% | $3,546.77 | $3,546.77 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $12,503.33 | 1 | [redacted] | $4,675.20 | [redacted] | $389.60 | 44.074% | 44.074% | 44.074% | [Redacted] | 761 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,343.88 | 6.840% | $0.00 | 2.6 | None | Yes | No | 7.250% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $234,309.90 | 36.050% | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 33.82 | Yes | No | $0.00 | $10,227.77 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226478054 | [Redacted] | [Redacted] | N/A | No | No | $1,995.91 | $1,995.91 | 7.000% | No | No | US Citizen | 1 | [redacted] | $4,021.32 | [redacted] | $335.11 | 0.000% | 0.000% | 0.000% | [Redacted] | 758 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | [redacted] | $2,284,422.54 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 203.58 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $55,750,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226478199 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $4,982.38 | 7.893% | $9,694.18 | $9,694.18 | 7.875% | No | No | Self-Employed | US Citizen | $12,736.45 | 1 | [redacted] | $2,992.92 | [redacted] | $249.41 | 49.917% | 49.917% | 49.917% | [Redacted] | 685 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [redacted] | $2,090.00 | 6.780% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226478264 | [Redacted] | [Redacted] | N/A | No | No | $1,309.78 | $1,309.78 | 7.250% | No | No | US Citizen | 2 | [redacted] | $2,522.04 | [redacted] | $210.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 771 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.87 | [redacted] | $19,563.54 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 89.27 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226478266 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $2,593.80 | 7.566% | $2,139.60 | $2,139.60 | 7.500% | No | No | Employed | Not Employed | US Citizen | US Citizen | $12,286.03 | 1 | [redacted] | $2,088.96 | [redacted] | $174.08 | 41.002% | 41.002% | 41.002% | [Redacted] | 761 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.710% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $661,241.46 | 100.000% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 219.35 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226478330 | [Redacted] | [Redacted] | N/A | No | No | $1,407.43 | $1,407.43 | 7.990% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $1,143.96 | [redacted] | $95.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 729 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.8 | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [redacted] | $257,158.50 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 114.91 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226478332 | [Redacted] | [Redacted] | N/A | No | No | $1,887.88 | $1,887.88 | 7.500% | No | No | US Citizen | 1 | [redacted] | $2,139.96 | [redacted] | $178.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 625 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 52.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226478351 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,175.00 | $4,285.88 | 6.929% | $4,270.04 | $4,270.04 | 6.875% | No | No | Self-Employed | US Citizen | $20,414.04 | 1 | [redacted] | $2,123.04 | [redacted] | $176.92 | 33.522% | 33.522% | 33.522% | [Redacted] | 763 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,175.00 | 6.780% | $0.00 | 1.2 | None | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $2,411,730.37 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 293.59 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226478383 | [Redacted] | [Redacted] | N/A | No | No | $3,761.16 | $3,761.16 | 7.750% | No | No | US Citizen | 2 | [redacted] | $1,623.96 | [redacted] | $135.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 698 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 33.17 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226478468 | [Redacted] | [Redacted] | N/A | No | No | $2,154.73 | $2,154.73 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,340.04 | [redacted] | $111.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 706 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 5.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $122,120.94 | 29.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226478477 | [Redacted] | [Redacted] | N/A | No | No | $2,049.00 | $2,049.00 | 6.625% | No | No | US Citizen | 1 | [redacted] | $1,604.04 | [redacted] | $133.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 99.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226478657 | [Redacted] | [Redacted] | N/A | No | No | $1,245.72 | $1,245.72 | 7.625% | No | No | US Citizen | 1 | [redacted] | $1,310.04 | [redacted] | $109.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.2 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | $128,672.34 | 58.480% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226480445 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,587.00 | $8,603.10 | 7.122% | $3,775.10 | $3,775.10 | 6.990% | No | No | Employed | US Citizen | $4,626.55 | 1 | [redacted] | $1,934.04 | [redacted] | $161.17 | 49.631% | 49.631% | 49.631% | [Redacted] | 764 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,587.00 | 6.710% | $0.00 | 1.0 | None | Yes | No | 6.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $191,289.33 | 26.940% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.51 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226480479 | [Redacted] | [Redacted] | N/A | No | No | $4,782.63 | $4,782.63 | 7.500% | No | No | US Citizen | 2 | [redacted] | $1,689.96 | [redacted] | $140.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 704 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $77,097.60 | 9.010% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226480826 | [Redacted] | [Redacted] | N/A | No | No | $7,561.88 | $8,429.45 | 7.905% | $2,141.08 | $2,141.08 | 7.625% | No | No | Employed | US Citizen | $9,669.08 | 2 | [redacted] | $2,138.76 | [redacted] | $178.23 | 44.477% | 44.477% | 44.477% | [Redacted] | 769 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $7,561.88 | 6.840% | $0.00 | None | N/A | No | 7.625% | 1 | 0 | 0 | 3 | 1 | 0.00 | No | [redacted] | $237,697.62 | No | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 89.88 | No | No | $0.00 | $0.00 | No | No | No | No | 14 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226480834 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $3,094.94 | 8.118% | $1,698.88 | $1,698.88 | 7.990% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $5,421.00 | 1 | [redacted] | $493.44 | [redacted] | $41.12 | 35.656% | 35.656% | 35.656% | [Redacted] | 771 | No | No | [Borrower - | Primary Income - IRA Distribution]; Account Statements - 2026 [Borrower - | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,490.00 | 6.840% | $0.00 | None | No | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $112,882.09 | 36.530% | No | Yes | Shares/Stock/Ownership (Co-op) | Leasehold | Individual | Individual | Individual | Individual | No | Individual | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.12 | No | $2,425.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226480839 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,202.50 | $3,999.34 | 8.261% | $2,075.28 | $2,075.28 | 8.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $25,599.81 | 1 | [redacted] | $1,905.00 | [redacted] | $158.75 | 25.057% | 25.057% | 25.057% | [Redacted] | 649 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,202.50 | 6.840% | $0.00 | 4.5 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $197,610.93 | 45.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.69 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226480912 | [Redacted] | [Redacted] | N/A | No | No | $1,018.24 | $1,018.24 | 6.875% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,968.00 | [redacted] | $164.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 794 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.36 | 0.73 | [redacted] | $332,306.66 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 113.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226480944 | [Redacted] | [Redacted] | N/A | No | No | $1,884.12 | $1,884.12 | 6.625% | No | No | US Citizen | 1 | [redacted] | $1,246.80 | [redacted] | $103.90 | 0.000% | 0.000% | 0.000% | [Redacted] | 784 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.4 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.8 | 1.23 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 53.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226480957 | [Redacted] | [Redacted] | N/A | No | No | $472.02 | $472.02 | 7.875% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | [redacted] | $1,716.00 | [redacted] | $143.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | 788 | 781 | 787 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.5 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.63 | [redacted] | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Individual | Member | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226480979 | [Redacted] | [Redacted] | N/A | No | No | $1,264.54 | $1,264.54 | 7.990% | No | No | 0 | US Citizen | 1 | [redacted] | $1,838.04 | [redacted] | $153.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 743 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.1 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 41.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226480991 | [Redacted] | [Redacted] | N/A | No | No | $10,368.50 | $11,451.02 | 7.955% | $8,459.06 | $10,681.65 | 7.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $46,522.51 | 1 | [redacted] | $1,825.68 | [redacted] | $152.14 | 40.937% | 38.115% | 40.937% | [Redacted] | 701 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $10,368.50 | 6.840% | $0.00 | 3.9 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12.00 | No | 240 | [redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.62 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226480994 | [Redacted] | [Redacted] | N/A | No | No | $7,410.00 | $8,641.46 | 7.899% | $3,500.42 | $3,500.42 | 7.750% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $64,930.42 | 1 | [redacted] | $1,975.20 | [redacted] | $164.60 | 37.743% | 37.743% | 38.653% | [Redacted] | 746 | No | No | Borrower Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2022 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [redacted] | $7,410.00 | 6.840% | $0.00 | 4.5 | None | No | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12.00 | No | 240 | [redacted] | $224,498.21 | No | Yes | Final | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Enhanced Beacon | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | No | 56.12 | No | No | $52,147.06 | $0.00 | No | No | No | No | 6 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226480995 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,325.27 | $8,220.98 | 7.616% | $1,141.31 | $1,141.31 | 7.125% | No | No | Employed | US Citizen | $1,872.38 | 1 | [redacted] | $648.00 | [redacted] | $54.00 | 49.399% | 49.399% | 49.399% | [Redacted] | 801 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Account Transcripts - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,325.27 | 6.710% | $0.00 | 1.0 | None | Yes | No | 7.125% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $118,542.90 | 51.990% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226481001 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $3,195.77 | 6.758% | $11,250.00 | $12,971.96 | 6.750% | No | No | Employed | Permanent Resident Alien | $16,524.46 | 1 | [redacted] | $1,470.12 | [redacted] | $122.51 | 52.737% | 47.812% | 52.737% | [Redacted] | 809 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,790.00 | 6.720% | $0.00 | 2.9 | None | No | No | 6.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 360 | [redacted] | $4,078,866.74 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 150.99 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226481002 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,335.00 | $14,807.24 | 8.669% | $6,609.58 | $6,609.58 | 8.500% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $11,850.60 | 1 | [redacted] | $6,204.84 | [redacted] | $517.07 | 49.824% | 49.824% | 49.824% | [Redacted] | 674 | No | Yes | 24 | Business | 75.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,335.00 | 6.780% | $0.00 | 3.4 | None | No | No | 8.500% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.7 | No | $0.00 | $5,817.63 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226481009 | [Redacted] | [Redacted] | N/A | No | No | $1,990.00 | $10,942.36 | 7.971% | $6,844.69 | $8,643.11 | 7.875% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $63,327.61 | 1 | [redacted] | $2,538.00 | [redacted] | $211.50 | 39.280% | 37.555% | 39.280% | [Redacted] | 746 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2022 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.840% | $0.00 | 4.5 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12.00 | No | 240 | [redacted] | $239,324.97 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | No | 32.25 | No | No | $52,147.06 | $0.00 | No | No | No | No | 6 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226481018 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,073.75 | $8,582.43 | 8.015% | $1,223.63 | $1,223.63 | 7.500% | No | No | Self-Employed | US Citizen | $6,286.94 | 1 | [redacted] | $1,043.04 | [redacted] | $86.92 | 31.539% | 31.539% | 31.539% | [Redacted] | 677 | No | Yes | 12 | Business | 100.000% | 75.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,073.75 | 6.600% | $0.00 | 2.6 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 36.17 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226481049 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,805.00 | $23,099.42 | 7.483% | $6,739.90 | $6,739.90 | 7.250% | No | No | Self-Employed | Permanent Resident Alien | $24,014.27 | 1 | [redacted] | $2,186.88 | [redacted] | $182.24 | 31.486% | 31.486% | 31.486% | [Redacted] | 793 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [redacted] | $17,805.00 | 6.840% | $0.00 | 1.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 4 | 0 | 24.00 | No | [redacted] | $404,079.09 | 32.710% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Resident Alien Card | 14.63 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226481104 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,546.20 | $10,046.70 | 7.514% | $2,603.18 | $2,603.18 | 7.250% | No | No | Self-Employed | US Citizen | $11,229.58 | 1 | [redacted] | $1,095.00 | [redacted] | $91.25 | 26.929% | 26.929% | 26.929% | [Redacted] | 738 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,546.20 | 6.710% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $243,728.00 | 51.040% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 45.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226481106 | [Redacted] | [Redacted] | N/A | No | No | $2,022.94 | $2,022.94 | 7.875% | No | No | US Citizen | 1 | [redacted] | $4,428.00 | [redacted] | $369.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 656 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226481108 | [Redacted] | [Redacted] | N/A | No | No | $10,397.81 | $11,295.18 | 7.873% | $3,211.61 | $3,211.61 | 7.625% | No | No | Employed | US Citizen | $8,497.46 | 4 | [redacted] | $2,790.60 | [redacted] | $232.55 | 47.660% | 47.660% | 47.660% | [Redacted] | 769 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $10,397.81 | 6.840% | $0.00 | None | Yes | No | 7.625% | 1 | 1 | 0 | 3 | 1 | 0.00 | No | [redacted] | $237,697.79 | No | 29 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 58.25 | No | No | $0.00 | $0.00 | No | No | No | No | 14 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226481404 | [Redacted] | [Redacted] | N/A | No | No | $1,862.39 | $1,862.39 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,072.92 | [redacted] | $89.41 | 0.000% | 0.000% | 0.000% | [Redacted] | 689 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.12 | [redacted] | $838,707.25 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 350.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226481680 | [Redacted] | [Redacted] | N/A | No | No | $1,002.98 | $1,002.98 | 7.750% | No | No | US Citizen | 2 | [redacted] | $1,554.96 | [redacted] | $129.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 762 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.71 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 82.74 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226481681 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $2,715.02 | 7.718% | $1,884.50 | $1,884.50 | 7.625% | No | No | Self-Employed | US Citizen | $59,699.05 | 1 | [redacted] | $1,967.04 | [redacted] | $163.92 | 4.045% | 4.045% | 4.045% | [Redacted] | 768 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,390.00 | 6.710% | $0.00 | 1.1 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 65.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226481721 | [Redacted] | [Redacted] | N/A | No | No | $1,993.89 | $1,993.89 | 6.990% | No | No | US Citizen | 4 | [redacted] | $8,870.52 | [redacted] | $739.21 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.92 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226482291 | [Redacted] | [Redacted] | N/A | No | No | $1,442.13 | $1,442.13 | 7.500% | No | No | US Citizen | 1 | [redacted] | $876.96 | [redacted] | $73.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 754 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.1 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | $100,392.98 | 36.500% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226482636 | [Redacted] | [Redacted] | N/A | No | No | $1,295.46 | $1,295.46 | 6.875% | No | No | US Citizen | 1 | [redacted] | $915.96 | [redacted] | $76.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.76 | [redacted] | $347,148.26 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 153.52 | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226482719 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $2,105.56 | 7.001% | $8,507.28 | $8,507.28 | 6.990% | No | No | Not Employed | Self-Employed | US Citizen | $48,698.88 | 1 | [redacted] | $5,496.12 | [redacted] | $458.01 | 21.802% | 21.802% | 21.802% | [Redacted] | 754 | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; Business License - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $1,890.00 | 6.840% | $36,400.00 | 1.5 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 1 | 0 | 0.00 | No | [redacted] | $430,947.54 | 26.930% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.92 | No | No | $62,276.14 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226482793 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,104.89 | $11,139.07 | 6.797% | $3,943.79 | $3,943.79 | 6.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $19,165.19 | 1 | [redacted] | $674.52 | [redacted] | $56.21 | 42.123% | 42.123% | 42.123% | [Redacted] | 725 | No | Yes | 12 | Business | 76.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [redacted] | $10,104.89 | 6.780% | $170,079.44 | 1.0 | None | No | No | 6.625% | 0 | 1 | 0 | 0 | 2 | 2 | 12 | 0.00 | No | [redacted] | $16,990.64 | 2.200% | No | 14 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.43 | No | $0.00 | $7,909.89 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226482959 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,417.50 | $9,098.22 | 7.872% | $3,032.92 | $4,184.88 | 7.955% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $11,668.08 | 1 | [redacted] | $2,564.76 | [redacted] | $213.73 | 35.271% | 33.521% | 35.271% | [Redacted] | 795 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,417.50 | 6.340% | $0.00 | 2.6 | None | Yes | No | 7.955% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [redacted] | $220,713.61 | 35.170% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.15 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226483792 | [Redacted] | [Redacted] | N/A | No | No | $927.67 | $927.67 | 6.990% | No | No | US Citizen | US Citizen | 1 | [redacted] | $504.00 | [redacted] | $42.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 794 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.44 | 0.69 | [redacted] | $268,159.95 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 146.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226483793 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,102.50 | $6,497.14 | 7.861% | $2,447.25 | $2,538.99 | 7.880% | No | No | Self-Employed | US Citizen | $30,523.89 | 1 | [redacted] | $2,678.04 | [redacted] | $223.17 | 15.804% | 15.551% | 15.804% | [Redacted] | 692 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,102.50 | 6.220% | $0.00 | 2.2 | None | No | No | 7.880% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 78.19 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226483926 | [Redacted] | [Redacted] | N/A | No | No | $4,069.26 | $4,069.26 | 7.125% | No | No | US Citizen | 1 | [redacted] | $960.96 | [redacted] | $80.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 754 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.25 | [redacted] | $64,011.45 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 40.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226483927 | [Redacted] | [Redacted] | N/A | No | No | $1,048.82 | $1,048.82 | 7.500% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $1,223.04 | [redacted] | $101.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 621 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.72 | [redacted] | $79,972.05 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 169.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226483928 | [Redacted] | [Redacted] | N/A | No | No | $608.06 | $608.06 | 8.375% | No | No | 0 | 0 | US Citizen | Not Provided | 1 | [redacted] | $1,156.20 | [redacted] | $96.35 | 0.000% | 0.000% | 0.000% | [Redacted] | 723 | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.57 | 0.63 | [redacted] | $31,499.94 | 31.490% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226483929 | [Redacted] | [Redacted] | N/A | No | No | $1,699.80 | $1,699.80 | 6.875% | No | No | 0 | Foreign National | Foreign National | 1 | [redacted] | $1,044.96 | [redacted] | $87.08 | 0.000% | 0.000% | 0.000% | [Redacted] | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.73 | [redacted] | $296,099.01 | 85.820% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | 68.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226483931 | [Redacted] | [Redacted] | N/A | No | No | $4,118.39 | $4,118.39 | 7.875% | No | No | US Citizen | 4 | [redacted] | $2,720.88 | [redacted] | $226.74 | 0.000% | 0.000% | 0.000% | [Redacted] | 750 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | $68,987.36 | 9.710% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226484093 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,716.70 | $2,027.06 | 9.489% | $1,621.29 | $1,621.29 | 9.375% | No | No | Non-Employment Income | US Citizen | $6,884.96 | 1 | [redacted] | $1,110.00 | [redacted] | $92.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 678 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $1,716.70 | 6.780% | $1,200.00 | 1.0 | None | No | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $565,998.45 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226484184 | [Redacted] | [Redacted] | N/A | No | No | $4,880.19 | $4,880.19 | 5.875% | No | No | 0 | Permanent Resident Alien | 4 | [redacted] | $6,531.96 | [redacted] | $544.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 731 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | [redacted] | $74,075.04 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 9.98 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226484186 | [Redacted] | [Redacted] | N/A | No | No | $3,030.08 | $3,030.08 | 6.875% | No | No | US Citizen | US Citizen | 2 | [redacted] | $1,859.04 | [redacted] | $154.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 786 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [redacted] | $635,766.99 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 110.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 8 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226484207 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,495.00 | $2,431.64 | 7.437% | $2,583.13 | $2,583.13 | 7.375% | No | No | Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $6,084.85 | 1 | [redacted] | $850.80 | [redacted] | $70.90 | 48.978% | 48.978% | 48.978% | [Redacted] | 758 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,495.00 | 6.780% | $0.00 | 1.1 | None | No | No | 7.375% | 1 | 1 | 2 | 0 | 3 | 2 | 0.00 | No | [redacted] | $192,938.22 | 38.660% | No | 10 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | Resident Alien Card | 16.18 | No | No | $8,567.53 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226484211 | [Redacted] | [Redacted] | N/A | No | No | $9,315.00 | $10,441.19 | 7.889% | $2,802.86 | $2,802.86 | 7.625% | No | No | Employed | US Citizen | $9,895.92 | 3 | [redacted] | $2,594.52 | [redacted] | $216.21 | 42.680% | 42.680% | 42.680% | [Redacted] | 769 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $9,315.00 | 6.840% | $0.00 | None | No | No | 7.625% | 1 | 1 | 0 | 3 | 1 | 0.00 | No | [redacted] | $254,645.66 | No | 30 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 73.8 | No | No | $0.00 | $0.00 | No | No | No | No | 14 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226484219 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,850.00 | $2,837.42 | 6.831% | $2,146.86 | $2,146.86 | 6.750% | No | No | Employed | Employed | US Citizen | US Citizen | $9,084.53 | 1 | [redacted] | $1,884.12 | [redacted] | $157.01 | 37.008% | 37.008% | 37.008% | [Redacted] | 817 | No | No | [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,850.00 | 6.710% | $7,000.00 | 1.0 | None | No | No | 6.750% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $812,104.97 | 87.220% | No | 33 | 30 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 66.75 | No | No | $0.00 | $7,996.41 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226484223 | [Redacted] | [Redacted] | N/A | No | No | $2,817.37 | $2,817.37 | 6.625% | No | No | 0 | US Citizen | Not Provided | 1 | [redacted] | $2,817.72 | [redacted] | $234.81 | 0.000% | 0.000% | 0.000% | [Redacted] | 783 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | [redacted] | $137,819.99 | 25.050% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226484227 | [Redacted] | [Redacted] | N/A | No | No | $2,202.53 | $2,202.53 | 7.500% | No | No | 0 | US Citizen | Not Provided | 1 | [redacted] | $1,074.96 | [redacted] | $89.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.88 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 116.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226484258 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,482.00 | $12,670.30 | 7.399% | $5,451.95 | $5,451.95 | 7.250% | No | No | Self-Employed | Employed | US Citizen | Permanent Resident Alien | $9,399.30 | 1 | [redacted] | $2,072.04 | [redacted] | $172.67 | 48.049% | 48.049% | 48.049% | [Redacted] | 709 | No | Yes | 12 | Business | 52.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,482.00 | 6.840% | $800.00 | None | Yes | No | 7.250% | 0 | 2 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $303,245.39 | 30.350% | No | 31 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 5.27 | No | $0.00 | $8,645.01 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226484262 | [Redacted] | [Redacted] | N/A | No | No | $27,075.00 | $11,557.45 | 7.890% | $2,324.33 | $2,501.12 | 7.873% | No | No | Not Employed | Not Employed | Not Employed | 0 | Foreign National | Foreign National | Brazil | Brazil | $6,112.87 | 1 | [redacted] | $1,800.00 | [redacted] | $150.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 0 | 0 | 0 | 0 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Yes | No | [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $27,075.00 | 6.310% | $3,500.00 | 1.0 | None | Yes | No | 7.873% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $746,635.22 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | Passport, VISA | Passport, VISA | 136.32 | No | No | $10,781.25 | $0.00 | No | Yes | No | No | 2 | 360 | AE | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226484271 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,877.39 | $3,833.01 | 7.322% | $3,082.89 | $3,082.89 | 7.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $9,202.22 | 1 | [redacted] | $3,060.96 | [redacted] | $255.08 | 39.132% | 39.132% | 39.132% | [Redacted] | 746 | No | Yes | 37 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 13]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 13]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 13]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,877.39 | 6.720% | $0.00 | 3.9 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 | 13 | 0.00 | No | [redacted] | $152,826.25 | 27.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.63 | Yes | No | $8,940.86 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226484272 | [Redacted] | [Redacted] | N/A | No | No | $1,725.36 | $1,725.36 | 8.375% | No | No | US Citizen | 1 | [redacted] | $2,798.04 | [redacted] | $233.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 632 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 70.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226484273 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,601.25 | $4,820.81 | 7.901% | $1,238.64 | $1,238.64 | 7.625% | No | No | Non-Employment Income | US Citizen | $2,329.14 | 1 | [redacted] | $1,608.00 | [redacted] | $134.00 | 45.961% | 45.961% | 45.961% | [Redacted] | 709 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $3,601.25 | 6.780% | $4,926.46 | 1.4 | None | N/A | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $242,314.77 | 71.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 29.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226484280 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,836.80 | $10,400.76 | 7.794% | $4,218.45 | $4,218.45 | 7.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $15,499.60 | 1 | [redacted] | $5,596.44 | [redacted] | $466.37 | 46.388% | 46.388% | 46.388% | [Redacted] | 796 | Yes | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Account Transcripts - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 1 | 1 | 1 | [redacted] | $6,836.80 | 6.840% | $0.00 | 2.2 | None | Yes | No | 7.625% | 0 | 0 | 3 | 0 | 2 | 2 | No | Other | [redacted] | $548,028.48 | 73.560% | No | 1 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 102.29 | Yes | No | $0.00 | $11,595.81 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226484283 | [Redacted] | [Redacted] | N/A | No | No | $34,530.00 | $8,841.84 | 7.147% | $3,615.59 | $3,615.59 | 6.990% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $16,852.38 | 1 | [redacted] | $2,823.96 | [redacted] | $235.33 | 42.797% | 42.797% | 42.797% | [Redacted] | 778 | Yes | Yes | 12 | Business | 85.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $34,530.00 | 6.710% | $0.00 | 1.0 | None | Yes | No | 6.990% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Other | [redacted] | $204,685.28 | 30.100% | No | 31 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.35 | No | No | $0.00 | $3,967.26 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226484296 | [Redacted] | [Redacted] | N/A | No | No | $1,855.65 | $1,855.65 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $4,307.04 | [redacted] | $358.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 752 | 745 | 734 | 725 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.2 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | [redacted] | $122,051.79 | 34.970% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.73 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226484299 | [Redacted] | [Redacted] | N/A | No | No | $2,486.43 | $2,486.43 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,272.96 | [redacted] | $106.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | Level 2-Stated/Not Verified | No | No | DSCR | [Redacted] | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.9 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 54.38 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226484387 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,915.00 | $12,450.73 | 8.860% | $2,897.27 | $2,897.27 | 8.500% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $14,241.52 | 1 | [redacted] | $1,227.96 | [redacted] | $102.33 | 29.971% | 29.971% | 29.971% | [Redacted] | 650 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,915.00 | 6.720% | $0.00 | 1.6 | None | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $4,500.00 | 0.950% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 13.47 | No | No | $0.00 | $0.00 | Yes | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226484568 | [Redacted] | [Redacted] | N/A | No | No | $1,031.51 | $1,031.51 | 6.990% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $1,242.96 | [redacted] | $103.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 712 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.83 | [redacted] | $2,500.00 | 1.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 152.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226484948 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,457.50 | $32,935.72 | 6.999% | $5,442.64 | $5,442.64 | 6.625% | No | No | Self-Employed | Non-Permanent Resident Alien | Azerbaijan | $46,136.74 | 1 | [redacted] | $3,053.04 | [redacted] | $254.42 | 13.938% | 13.938% | 13.938% | [Redacted] | 730 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,457.50 | 6.710% | $100,000.00 | 1.0 | None | No | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $8,812.94 | 0.560% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 87.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226485170 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,250.80 | $8,257.95 | 8.292% | $2,122.96 | $2,122.96 | 7.990% | No | No | Self-Employed | US Citizen | $3,326.89 | 1 | [redacted] | $2,225.64 | [redacted] | $185.47 | 45.840% | 45.840% | 45.840% | [Redacted] | 714 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [redacted] | $8,250.80 | 6.710% | $17,000.00 | 1.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [redacted] | $86,231.99 | 23.820% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.63 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226485238 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $7,577.41 | 7.393% | $3,574.60 | $3,574.60 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $7,167.16 | 1 | [redacted] | $6,300.24 | [redacted] | $525.02 | 49.936% | 49.936% | 49.936% | [Redacted] | 763 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2001 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,390.00 | 6.710% | $30,000.00 | 1.5 | None | Yes | No | 7.250% | 0 | 2 | 0 | 0 | 2 | 2 | 0.00 | No | [redacted] | $199,668.41 | 30.480% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 38.18 | Yes | No | $0.00 | $3,900.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226485441 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,912.00 | $16,407.71 | 7.565% | $5,739.51 | $5,739.51 | 7.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $18,210.50 | 1 | [redacted] | $3,437.04 | [redacted] | $286.42 | 48.589% | 48.589% | 48.589% | [Redacted] | 772 | Yes | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Other - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2001 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $7,912.00 | 6.780% | $0.00 | 1.0 | None | No | No | 7.375% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $1,310,601.23 | 81.910% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 66.6 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226485544 | [Redacted] | [Redacted] | N/A | No | No | $1,278.41 | $1,278.41 | 7.990% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $1,074.96 | [redacted] | $89.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 729 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.9 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [redacted] | $246,980.64 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 121.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226485666 | [Redacted] | [Redacted] | N/A | No | No | $865.03 | $865.03 | 8.500% | No | No | US Citizen | 1 | [redacted] | $1,041.96 | [redacted] | $86.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 686 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.7 | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.77 | [redacted] | $49,333.78 | 32.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.02 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226485676 | [Redacted] | [Redacted] | N/A | No | No | $807.79 | $807.79 | 8.990% | No | No | Permanent Resident Alien | 1 | [redacted] | $708.00 | [redacted] | $59.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 682 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 8.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.84 | [redacted] | $89,458.31 | 68.550% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 50.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226486244 | [Redacted] | [Redacted] | N/A | No | No | $1,219.36 | $1,219.36 | 6.750% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,343.04 | [redacted] | $111.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.3 | No | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.67 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 90.78 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | C | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226486245 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,402.00 | $5,743.81 | 7.006% | $2,598.81 | $2,598.81 | 6.875% | No | No | Employed | US Citizen | $5,157.51 | 1 | [redacted] | $1,143.96 | [redacted] | $95.33 | 43.761% | 43.761% | 43.761% | [Redacted] | 784 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $9,402.00 | 6.610% | $22,868.00 | 1.0 | DU | ApproveIneligible | Yes | No | 6.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $160,350.04 | 32.420% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.79 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226486312 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,670.94 | $8,767.12 | 7.121% | $3,516.84 | $4,677.24 | 6.990% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $24,612.43 | 1 | [redacted] | $9,357.00 | [redacted] | $779.75 | 40.751% | 37.957% | 40.751% | [Redacted] | 779 | Yes | Yes | 12 | Business | 59.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,670.94 | 6.710% | $0.00 | 1.6 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Other | 240 | [redacted] | $1,727,291.13 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 332.26 | No | No | $17,086.30 | $0.00 | No | No | No | No | 3 | 240 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226486584 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,899.56 | $6,515.08 | 7.922% | $2,613.47 | $2,613.47 | 7.750% | No | Yes | Self-Employed | Employed | US Citizen | US Citizen | $26,491.36 | 1 | [redacted] | $1,926.00 | [redacted] | $160.50 | 33.763% | 33.763% | 33.763% | [Redacted] | 727 | No | Yes | 48 | Business | 89.000% | 35.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 34.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 34.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 34.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 34.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,899.56 | 6.780% | $9,650.00 | 1.1 | None | Yes | No | 7.750% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $137,632.17 | 30.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.53 | No | No | $0.00 | $4,402.67 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226489421 | [Redacted] | [Redacted] | N/A | No | No | $7,194.03 | $7,194.03 | 6.875% | No | No | US Citizen | US Citizen | 1 | [redacted] | $13,426.08 | [redacted] | $1,118.84 | 0.000% | 0.000% | 0.000% | [Redacted] | 787 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.3 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [redacted] | $107,237.92 | No | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | AE | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226489532 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,275.00 | $4,382.14 | 8.323% | $1,026.29 | $1,026.29 | 7.990% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $3,657.05 | 1 | [redacted] | $779.76 | [redacted] | $64.98 | 39.156% | 39.156% | 39.156% | [Redacted] | 706 | No | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2025 [Borrower - | Primary Income - Social Security]; 1099 Transcript - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $3,275.00 | 6.710% | $0.00 | 2.3 | None | Yes | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $19,504.34 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 10.43 | No | $4,559.20 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226489593 | [Redacted] | [Redacted] | N/A | No | No | $2,243.13 | $2,243.13 | 6.990% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,119.96 | [redacted] | $93.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 758 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.9 | 0.52 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226489926 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,990.00 | $2,652.57 | 7.440% | $8,390.91 | $11,963.46 | 7.905% | No | No | Self-Employed | US Citizen | $123,499.36 | 1 | [redacted] | $4,794.72 | [redacted] | $399.56 | 10.563% | 7.976% | 10.563% | [Redacted] | 777 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.290% | $0.00 | 4.2 | None | No | No | 7.905% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [redacted] | $750,115.26 | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 68.89 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | AE | 06/19/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226491371 | [Redacted] | [Redacted] | N/A | No | No | $37,635.00 | $12,184.45 | 8.185% | $3,682.06 | $3,682.06 | 7.990% | No | No | Not Employed | Self-Employed | US Citizen | $15,527.32 | 2 | [redacted] | $2,520.00 | [redacted] | $210.00 | 47.212% | 47.212% | 48.476% | [Redacted] | 773 | No | Yes | 24 | Personal, Business | 71.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - IRA Distribution]; Deposit Receipt - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $37,635.00 | 6.840% | $0.00 | None | No | No | 7.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | 360 | [redacted] | $763,824.21 | 96.680% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 99.82 | No | No | $25,616.91 | $0.00 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226491444 | [Redacted] | [Redacted] | Non QM | Yes | No | $22,745.00 | $8,325.85 | 7.481% | $4,696.59 | $4,696.59 | 7.375% | No | No | Self-Employed | US Citizen | $7,927.46 | 1 | [redacted] | $1,623.00 | [redacted] | $135.25 | 41.278% | 41.278% | 41.278% | [Redacted] | 795 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Audited P&L - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [redacted] | $22,745.00 | 6.680% | $0.00 | 1.7 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $222,206.90 | 26.140% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.12 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226491483 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $2,823.90 | 7.510% | $16,781.15 | $16,781.15 | 7.500% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $53,044.65 | 1 | [redacted] | $2,854.80 | [redacted] | $237.90 | 0.000% | 0.000% | 0.000% | [Redacted] | 747 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (Residual Income) | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.710% | $10,000.00 | 2.5 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $5,790,761.47 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.49 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226491484 | [Redacted] | [Redacted] | N/A | No | No | $20,720.25 | $20,720.25 | 7.375% | No | No | US Citizen | 1 | [redacted] | $16,264.68 | [redacted] | $1,355.39 | 0.000% | 0.000% | 0.000% | [Redacted] | 735 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.3 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226491485 | [Redacted] | [Redacted] | N/A | No | No | $2,218.93 | $2,218.93 | 7.625% | No | No | US Citizen | 1 | [redacted] | $2,252.04 | [redacted] | $187.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 794 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.4 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [redacted] | $152,153.47 | 36.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 18.95 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226491486 | [Redacted] | [Redacted] | N/A | No | No | $2,926.04 | $2,926.04 | 6.990% | No | No | US Citizen | 1 | [redacted] | $2,779.56 | [redacted] | $231.63 | 0.000% | 0.000% | 0.000% | [Redacted] | 762 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [redacted] | $1,342,030.77 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 265.43 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226491489 | [Redacted] | [Redacted] | N/A | No | No | $3,761.25 | $3,761.25 | 7.375% | No | No | US Citizen | 1 | [redacted] | $1,503.00 | [redacted] | $125.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.1 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.93 | 0.51 | 240 | [redacted] | $286,126.48 | 37.400% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226491490 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,783.75 | $8,366.11 | 8.107% | $4,948.21 | $4,948.21 | 7.990% | No | No | Self-Employed | US Citizen | $116,232.48 | 1 | [redacted] | $6,579.00 | [redacted] | $548.25 | 5.346% | 6.061% | 5.346% | [Redacted] | 784 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2006 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,783.75 | 6.320% | $10,000.00 | 1.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $121,448.12 | 16.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226491493 | [Redacted] | [Redacted] | N/A | No | No | $996.95 | $996.95 | 6.990% | No | No | Non-Permanent Resident Alien | 2 | [redacted] | $3,123.72 | [redacted] | $260.31 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | [redacted] | $5,000.00 | 2.500% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 205.55 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226491703 | [Redacted] | [Redacted] | N/A | No | No | $1,915.17 | $1,915.17 | 6.500% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $522.00 | [redacted] | $43.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | 770 | 788 | 747 | Level 1-Not Stated/Not Verified | No | No | DSCR | [Redacted] | 1 | 0 | 0 | Yes | [redacted] | $0.00 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $40,900.00 | 10.090% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 43.22 | No | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226491708 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,674.70 | $7,114.31 | 6.948% | $1,376.67 | $1,376.67 | 6.625% | No | No | Self-Employed | US Citizen | $9,752.53 | 1 | [redacted] | $4,851.00 | [redacted] | $404.25 | 29.485% | 29.485% | 29.485% | [Redacted] | 777 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 22.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,674.70 | 6.720% | $0.00 | 1.0 | None | No | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | No | 79.11 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AH | 09/14/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226491712 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,502.26 | $2,418.34 | 7.367% | $1,295.45 | $1,295.45 | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $6,015.63 | 1 | [redacted] | $1,899.00 | [redacted] | $158.25 | 39.348% | 39.348% | 39.348% | [Redacted] | 732 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,502.26 | 6.780% | $9,849.98 | 1.0 | None | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $233,850.44 | 74.260% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 60.07 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226491713 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $2,614.80 | $5,852.74 | 7.384% | $1,515.60 | $1,515.60 | 7.125% | No | No | Non-Employment Income | US Citizen | $4,455.76 | 1 | [redacted] | $1,316.04 | [redacted] | $109.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $2,614.80 | 6.640% | $5,000.00 | 2.6 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | Not Stated | [redacted] | $2,320,834.82 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 602.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226491714 | [Redacted] | [Redacted] | N/A | No | No | $2,060.12 | $2,060.12 | 6.500% | No | No | 0 | Foreign National | Foreign National | 1 | [redacted] | $760.56 | [redacted] | $63.38 | 0.000% | 0.000% | 0.000% | [Redacted] | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $260,971.64 | 60.690% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 19.44 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226491723 | [Redacted] | [Redacted] | N/A | No | No | $88,141.14 | $16,780.76 | 7.732% | $9,843.80 | $10,467.90 | 7.880% | No | No | Self-Employed | US Citizen | $179,760.05 | 1 | [redacted] | $14,714.04 | [redacted] | $1,226.17 | 17.796% | 18.342% | 17.796% | [Redacted] | 770 | No | Yes | 12 | Business | 100.000% | 33.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $88,141.14 | 6.340% | $0.00 | 3.8 | None | Yes | No | 7.880% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 19.86 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226496579 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,045.00 | $3,031.35 | 7.978% | $2,153.46 | $2,153.46 | 7.875% | No | No | Self-Employed | US Citizen | $7,071.59 | 1 | [redacted] | $1,284.96 | [redacted] | $107.08 | 27.699% | 27.699% | 27.699% | [Redacted] | 770 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,045.00 | 6.840% | $19,800.00 | 2.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $50,158.46 | 15.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.37 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226496594 | [Redacted] | [Redacted] | N/A | No | No | $2,156.17 | $2,156.17 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,859.04 | [redacted] | $154.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 760 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.73 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | No | 130.27 | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226496780 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,982.50 | $1,797.23 | 7.065% | $1,337.78 | $1,337.78 | 6.875% | No | No | Self-Employed | US Citizen | $2,210.30 | 1 | [redacted] | $1,526.04 | [redacted] | $127.17 | 46.417% | 46.417% | 46.417% | [Redacted] | 779 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [redacted] | $1,982.50 | 6.160% | $8,940.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $227,825.32 | 76.450% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 46.36 | No | $0.00 | $0.00 | No | No | No | No | 1 | 180 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226496782 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,116.56 | $4,260.10 | 7.940% | $4,123.83 | $4,123.83 | 7.875% | No | No | Self-Employed | US Citizen | $60,286.64 | 1 | [redacted] | $1,872.96 | [redacted] | $156.08 | 8.915% | 8.915% | 8.915% | [Redacted] | 709 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,116.56 | 6.780% | $0.00 | 2.6 | None | Yes | No | 7.875% | 0 | 2 | 0 | 3 | 3 | 8.00 | No | [redacted] | $199,641.06 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 119.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226496844 | [Redacted] | [Redacted] | N/A | No | No | $2,421.47 | $2,421.47 | 7.750% | No | No | US Citizen | 1 | [redacted] | $1,677.00 | [redacted] | $139.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 683 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $20,000.00 | 4.700% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 5.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226497497 | [Redacted] | [Redacted] | N/A | No | No | $2,726.94 | $2,726.94 | 7.500% | No | No | US Citizen | 2 | [redacted] | $4,686.96 | [redacted] | $390.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 679 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 56.67 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 9 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226497515 | [Redacted] | [Redacted] | N/A | No | No | $1,886.63 | $1,886.63 | 6.500% | No | No | 0 | Foreign National | Foreign National | 1 | [redacted] | $906.96 | [redacted] | $75.58 | 0.000% | 0.000% | 0.000% | [Redacted] | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.5 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.83 | [redacted] | $149,078.02 | 37.450% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | 10.9 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226497531 | [Redacted] | [Redacted] | N/A | No | No | $699.21 | $699.21 | 7.500% | No | No | US Citizen | 1 | [redacted] | $1,332.00 | [redacted] | $111.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 779 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.6 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | [redacted] | $74,470.77 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 88.63 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226497537 | [Redacted] | [Redacted] | N/A | No | No | $1,418.99 | $1,418.99 | 6.990% | No | No | US Citizen | US Citizen | 1 | [redacted] | $867.96 | [redacted] | $72.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 783 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.82 | [redacted] | $1,511,319.65 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 854.69 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226499990 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,854.00 | $11,194.94 | 7.519% | $1,913.36 | $1,913.36 | 7.125% | No | No | Self-Employed | US Citizen | $3,892.81 | 1 | [redacted] | $1,914.00 | [redacted] | $159.50 | 39.361% | 39.361% | 39.361% | [Redacted] | 800 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,854.00 | 6.710% | $0.00 | 1.6 | None | No | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 82.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226504780 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,230.00 | $15,602.31 | 7.817% | $2,520.96 | $2,520.96 | 7.375% | No | No | Self-Employed | US Citizen | $13,891.99 | 1 | [redacted] | $2,387.04 | [redacted] | $198.92 | 39.907% | 39.907% | 39.907% | [Redacted] | 682 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [redacted] | $14,230.00 | 6.780% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 31.00 | No | [redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 18.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226505334 | [Redacted] | [Redacted] | N/A | No | No | $788.31 | $788.31 | 6.875% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $279.00 | [redacted] | $23.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 755 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $6,000.00 | 3.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 41.61 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226505351 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,277.13 | $5,695.44 | 8.002% | $3,371.21 | $3,371.21 | 7.875% | No | No | Self-Employed | US Citizen | $25,341.71 | 1 | [redacted] | $2,028.00 | [redacted] | $169.00 | 24.297% | 24.297% | 24.297% | [Redacted] | 791 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,277.13 | 6.710% | $26,000.00 | 2.5 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $97,289.27 | 17.780% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.81 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226505354 | [Redacted] | [Redacted] | N/A | No | No | $828.84 | $828.84 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,107.36 | [redacted] | $92.28 | 0.000% | 0.000% | 0.000% | [Redacted] | 770 | No | No | DSCR | [Redacted] | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.7 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | FICO Risk Score Classic 04 | No | 7.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226505358 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,640.00 | $4,678.36 | 6.964% | $3,284.64 | $3,284.64 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,470.62 | 2 | [redacted] | $3,263.04 | [redacted] | $271.92 | 42.027% | 42.027% | 42.027% | [Redacted] | 768 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,640.00 | 6.710% | $0.00 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 110.14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226505359 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,149.00 | $5,302.36 | 7.266% | $1,330.60 | $1,330.60 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $17,542.58 | 1 | [redacted] | $2,154.00 | [redacted] | $179.50 | 9.701% | 9.701% | 9.701% | [Redacted] | 776 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Other - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,149.00 | 6.840% | $0.00 | 1.0 | None | Yes | No | 7.000% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $702,307.83 | 100.000% | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 213.27 | No | $0.00 | $10,150.36 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226505360 | [Redacted] | [Redacted] | N/A | No | No | $12,270.00 | $4,518.33 | 7.651% | $1,160.33 | $1,160.33 | 7.375% | No | No | Not Employed | Self-Employed | US Citizen | $15,478.26 | 1 | [redacted] | $2,232.00 | [redacted] | $186.00 | 34.666% | 34.666% | 34.666% | [Redacted] | 767 | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 |
[Coborrower]; 4506-C - 2025 | Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $12,270.00 | 6.530% | $0.00 | 1.8 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 1 | 0 | 0.00 | No | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 10.54 | No | No | $23,691.02 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226505370 | [Redacted] | [Redacted] | N/A | No | No | $793.03 | $793.03 | 7.250% | No | No | US Citizen | 1 | [redacted] | $2,691.48 | [redacted] | $224.29 | 0.000% | 0.000% | 0.000% | [Redacted] | 770 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.7 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 92.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $242,333.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226505371 | [Redacted] | [Redacted] | N/A | No | No | $2,866.56 | $2,866.56 | 7.625% | No | No | US Citizen | 1 | [redacted] | $2,121.96 | [redacted] | $176.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 777 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.0 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226505382 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,495.00 | $6,575.97 | 7.443% | $6,630.48 | $6,630.48 | 7.375% | No | No | Non-Employment Income | US Citizen | $51,913.72 | 1 | [redacted] | $2,724.12 | [redacted] | $227.01 | 0.000% | 0.000% | 0.000% | [Redacted] | 796 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $15,495.00 | 6.840% | $18,500.00 | 4.3 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $3,388,311.27 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 343.58 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226506577 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,730.00 | $14,821.30 | 8.619% | $3,320.60 | $3,320.60 | 8.250% | No | No | Self-Employed | Not Employed | Non-Permanent Resident Alien | US Citizen | $6,929.98 | 1 | [redacted] | $1,518.96 | [redacted] | $126.58 | 42.589% | 42.589% | 42.589% | [Redacted] | 703 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $11,730.00 | 6.720% | $0.00 | None | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $17,000.00 | 3.260% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Employment Authorization | 6.7 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226506601 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,024.10 | $11,228.85 | 9.789% | $4,359.68 | $4,359.68 | 9.625% | No | No | Self-Employed | Permanent Resident Alien | $10,500.92 | 1 | [redacted] | $2,268.00 | [redacted] | $189.00 | 38.081% | 42.254% | 38.081% | [Redacted] | 707 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [redacted] | $6,024.10 | 6.310% | $1,400.00 | 1.1 | None | No | No | 9.625% | 0 | 0 | 0 | 1 | 0 | 12 | 0.00 | No | [redacted] | $131,889.23 | 23.140% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 10.29 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226506605 | [Redacted] | [Redacted] | N/A | No | No | $725.07 | $725.07 | 7.875% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $1,221.00 | [redacted] | $101.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 758 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 2.2 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 100.68 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226506666 | [Redacted] | [Redacted] | N/A | No | No | $1,574.74 | $1,574.74 | 7.375% | No | No | US Citizen | US Citizen | 3 | [redacted] | $3,453.96 | [redacted] | $287.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 814 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [redacted] | $352,504.34 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 135.93 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226506875 | [Redacted] | [Redacted] | N/A | No | No | $995.99 | $995.99 | 7.625% | No | No | US Citizen | 1 | [redacted] | $1,345.80 | [redacted] | $112.15 | 0.000% | 0.000% | 0.000% | [Redacted] | 722 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.4 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.77 | [redacted] | $13,799.45 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 52.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226506925 | [Redacted] | [Redacted] | N/A | No | No | $2,936.70 | $2,936.70 | 7.500% | No | No | US Citizen | 3 | [redacted] | $1,914.96 | [redacted] | $159.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 746 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.57 | 0.63 | [redacted] | $29,486.58 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226507018 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,265.00 | $14,114.96 | 7.550% | $5,594.47 | $5,594.47 | 7.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $10,642.15 | 1 | [redacted] | $3,328.44 | [redacted] | $277.37 | 0.000% | 0.000% | 0.000% | [Redacted] | 717 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $8,265.00 | 6.710% | $0.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,652,894.69 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 115.76 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226507198 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $16,830.00 | $21,721.77 | 7.484% | $5,129.97 | $5,129.97 | 7.250% | No | No | Self-Employed | Permanent Resident Alien | $129,919.47 | 1 | [redacted] | $1,596.96 | [redacted] | $133.08 | 5.788% | 5.788% | 5.788% | [Redacted] | 791 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $16,830.00 | 6.840% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | [redacted] | $162,227.04 | 17.250% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 20.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226507284 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,628.95 | $8,249.92 | 9.919% | $2,830.46 | $2,830.46 | 9.625% | No | No | Self-Employed | Employed | US Citizen | Permanent Resident Alien | $6,470.15 | 1 | [redacted] | $1,311.00 | [redacted] | $109.25 | 40.911% | 40.911% | 40.911% | [Redacted] | 712 | No | Yes | 24 | Personal, Business | 81.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,628.95 | 6.840% | $13,000.00 | 1.0 | None | No | No | 9.625% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No | [redacted] | $39,298.69 | 10.620% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 9.81 | No | $0.00 | $2,120.03 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226507389 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,630.63 | $11,453.43 | 7.372% | $3,158.06 | $3,158.06 | 7.125% | No | No | Self-Employed | US Citizen | $9,668.72 | 1 | [redacted] | $4,646.04 | [redacted] | $387.17 | 33.203% | 33.203% | 33.203% | [Redacted] | 747 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,630.63 | 6.840% | $0.00 | 2.6 | None | Yes | No | 7.125% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $488,973.82 | 78.230% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 79.07 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226507402 | [Redacted] | [Redacted] | N/A | No | No | $2,575.00 | $901.26 | 7.339% | $2,444.99 | $2,444.99 | 7.375% | No | No | Employed | US Citizen | $7,959.39 | 1 | [redacted] | $1,122.00 | [redacted] | $93.50 | 43.375% | 43.375% | 43.375% | [Redacted] | 721 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,575.00 | 6.710% | $9,400.00 | 3.6 | DU | ApproveEligible | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $369,537.02 | 78.290% | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 91.36 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226507432 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,363.69 | $5,946.99 | 8.901% | $3,443.78 | $3,443.78 | 8.750% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $11,294.09 | 1 | [redacted] | $1,990.32 | [redacted] | $165.86 | 0.000% | 0.000% | 0.000% | [Redacted] | 776 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $5,363.69 | 6.710% | $0.00 | 1.0 | None | No | No | 8.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,311,981.12 | 100.000% | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 329.51 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226507437 | [Redacted] | [Redacted] | N/A | No | No | $1,037.76 | $1,037.76 | 6.750% | No | No | US Citizen | 1 | [redacted] | $4,112.64 | [redacted] | $342.72 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [redacted] | $478,085.04 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 182.62 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226508608 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,133.75 | $16,351.75 | 7.787% | $4,160.33 | $4,160.33 | 7.500% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $8,936.81 | 1 | [redacted] | $3,631.92 | [redacted] | $302.66 | 46.690% | 46.690% | 46.690% | [Redacted] | 739 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $14,133.75 | 6.710% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $170,171.04 | 24.310% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.86 | No | No | $16,763.77 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226508753 | [Redacted] | [Redacted] | N/A | No | No | $1,879.24 | $1,879.24 | 6.990% | No | No | US Citizen | 1 | [redacted] | $3,197.64 | [redacted] | $266.47 | 0.000% | 0.000% | 0.000% | [Redacted] | 792 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.75 | [redacted] | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | No | 98.96 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226508754 | [Redacted] | [Redacted] | N/A | No | No | $1,395.73 | $1,395.73 | 6.990% | No | No | US Citizen | 1 | [redacted] | $903.96 | [redacted] | $75.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.74 | [redacted] | $20,321.95 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 11.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226508759 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $5,412.80 | 7.570% | $4,698.72 | $4,698.72 | 7.500% | No | No | Employed | US Citizen | $27,086.65 | 1 | [redacted] | $1,422.48 | [redacted] | $118.54 | 31.848% | 31.848% | 31.848% | [Redacted] | 769 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $1,690.00 | 7.050% | $0.00 | 3.3 | LP / LPA | Accept/Eligible | Yes | No | 7.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,216,810.87 | 100.000% | No | 31 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 168.93 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226508761 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,190.00 | $14,319.58 | 7.828% | $13,296.61 | $13,296.61 | 7.750% | No | No | Self-Employed | US Citizen | $149,797.72 | 1 | [redacted] | $4,154.04 | [redacted] | $346.17 | 10.122% | 10.122% | 10.122% | [Redacted] | 760 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 11.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $13,190.00 | 7.050% | $0.00 | 4.2 | None | No | No | 7.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $840,488.10 | 36.220% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 22.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226508763 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,723.60 | $5,065.06 | 10.017% | $1,291.98 | $1,291.98 | 9.625% | No | No | Employed | Non-Permanent Resident Alien | $4,268.43 | 1 | [redacted] | $914.04 | [redacted] | $76.17 | 32.323% | 32.323% | 32.323% | [Redacted] | 663 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,723.60 | 6.710% | $0.00 | 3.2 | None | Yes | No | 9.625% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $74,958.20 | 39.450% | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | Employment Authorization | 14.16 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226508810 | [Redacted] | [Redacted] | N/A | No | No | $5,237.67 | $5,237.67 | 7.625% | No | No | US Citizen | 1 | [redacted] | $6,092.88 | [redacted] | $507.74 | 0.000% | 0.000% | 0.000% | [Redacted] | 763 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.6 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.87 | [redacted] | $627,157.40 | 67.800% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 68.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226508820 | [Redacted] | [Redacted] | N/A | No | No | $6,139.59 | $6,139.59 | 7.250% | No | No | Foreign National | 1 | [redacted] | $1,181.40 | [redacted] | $98.45 | 0.000% | 0.000% | 0.000% | [Redacted] | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.14 | [redacted] | $446,943.69 | 29.790% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | Yes | No | 24.52 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226508837 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,061.88 | $5,908.68 | 9.154% | $1,278.39 | $1,278.39 | 8.750% | No | No | Employed | US Citizen | $2,393.42 | 1 | [redacted] | $1,241.04 | [redacted] | $103.42 | 47.729% | 47.729% | 47.729% | [Redacted] | 694 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,061.88 | 6.720% | $0.00 | None | No | No | 8.750% | 2 | 1 | 0 | 2 | 2 | 0.00 | No | [redacted] | $0.00 | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.85 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226508847 | [Redacted] | [Redacted] | N/A | No | No | $1,048.82 | $1,048.82 | 7.500% | No | No | US Citizen | US Citizen | 1 | [redacted] | $979.08 | [redacted] | $81.59 | 0.000% | 0.000% | 0.000% | [Redacted] | 817 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | [redacted] | $132,194.58 | 66.090% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.79 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | VE | $304,641,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226508875 | [Redacted] | [Redacted] | N/A | No | No | $869.50 | $869.50 | 7.875% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,062.96 | [redacted] | $88.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 764 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.2 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $45,789.00 | 30.540% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226508905 | [Redacted] | [Redacted] | Non QM | Yes | No | $86,354.77 | $84,472.94 | 7.781% | $17,800.25 | $17,800.25 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $66,030.76 | 1 | [redacted] | $19,230.96 | [redacted] | $1,602.58 | 29.443% | 29.443% | 29.443% | [Redacted] | 714 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | [Redacted] | 0 | 0 | 0 | [redacted] | $86,354.77 | 6.720% | $446,191.50 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $464,188.32 | 15.490% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.64 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226509749 | [Redacted] | [Redacted] | N/A | No | No | $2,097.64 | $2,097.64 | 7.500% | No | No | US Citizen | 1 | [redacted] | $2,064.00 | [redacted] | $172.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.1 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | [redacted] | $465,474.14 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 139.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226510289 | [Redacted] | [Redacted] | Non QM | Yes | No | $28,227.25 | $42,109.25 | 6.421% | $5,072.75 | $5,072.75 | 5.990% | No | No | Employed | Employed | US Citizen | US Citizen | $9,207.92 | 1 | [redacted] | $2,079.00 | [redacted] | $173.25 | 42.853% | 42.853% | 42.853% | [Redacted] | 792 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $28,227.25 | 6.780% | $0.00 | 1.0 | None | No | No | 5.990% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $441,109.57 | 44.110% | No | 22 | 31 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 44.54 | Yes | No | $0.00 | $9,445.98 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226510292 | [Redacted] | [Redacted] | Safe Harbor QM (APOR) | Yes | No | $11,213.75 | $9,711.29 | 7.426% | $11,845.08 | $11,845.08 | 7.375% | No | No | Employed | Employed | US Citizen | US Citizen | $15,606.62 | 1 | [redacted] | $2,552.04 | [redacted] | $212.67 | 49.983% | 49.983% | 49.983% | [Redacted] | 795 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Employer Letter - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $11,213.75 | 6.780% | $0.00 | None | N/A | No | 7.375% | 1 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | [redacted] | $503,243.58 | 22.870% | No | 36 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 36.72 | No | $0.00 | $18,123.27 | No | No | No | No | 1 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226510309 | [Redacted] | [Redacted] | N/A | No | No | $1,306.25 | $1,306.25 | 7.125% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,986.96 | [redacted] | $165.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 713 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.3 | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.86 | 1.16 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 92.94 | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226510438 | [Redacted] | [Redacted] | N/A | No | No | $1,428.94 | $1,428.94 | 8.375% | No | No | US Citizen | Non-Permanent Resident Alien | 2 | [redacted] | $2,325.96 | [redacted] | $193.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 703 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $72,223.10 | 30.730% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226510510 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,610.00 | $7,475.97 | 7.120% | $1,297.20 | $1,297.20 | 6.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $6,163.45 | 1 | [redacted] | $1,674.00 | [redacted] | $139.50 | 26.039% | 26.039% | 26.039% | [Redacted] | 779 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $6,610.00 | 6.840% | $14,400.00 | 1.0 | None | No | No | 6.750% | 1 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | [redacted] | $239,173.64 | 68.330% | No | 21 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 46.75 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226510593 | [Redacted] | [Redacted] | N/A | No | No | $1,479.03 | $1,479.03 | 5.125% | No | No | US Citizen | 1 | [redacted] | $1,040.52 | [redacted] | $86.71 | 0.000% | 0.000% | 0.000% | [Redacted] | 793 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 5.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [redacted] | $122,037.20 | 46.050% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.43 | No | $0.00 | $0.00 | No | No | No | No | 12 | 180 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226510650 | [Redacted] | [Redacted] | N/A | No | No | $1,036.01 | $1,036.01 | 7.375% | No | No | US Citizen | 1 | [redacted] | $2,568.96 | [redacted] | $214.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 773 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.6 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 80.03 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226510654 | [Redacted] | [Redacted] | N/A | No | No | $1,990.00 | $2,416.52 | 7.138% | $10,182.81 | $13,425.36 | 7.125% | No | No | Self-Employed | US Citizen | $30,205.70 | 1 | [redacted] | $5,585.64 | [redacted] | $465.47 | 34.288% | 27.233% | 34.288% | [Redacted] | 798 | No | Yes | 12 | Business | 100.000% | 36.660% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 36.66% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 36.66% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 36.66% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 36.66% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 36.66% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 36.66% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,990.00 | 6.710% | $0.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 240 | [redacted] | $0.00 | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.42 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226510660 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,092.60 | $6,437.90 | 7.674% | $1,949.76 | $1,949.76 | 7.500% | No | No | Self-Employed | US Citizen | $4,170.61 | 1 | [redacted] | $1,974.36 | [redacted] | $164.53 | 49.309% | 49.309% | 49.309% | [Redacted] | 706 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,092.60 | 6.840% | $5,000.00 | 1.5 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $247,746.63 | 57.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | 32.7 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226511262 | [Redacted] | [Redacted] | N/A | No | No | $1,305.65 | $1,305.65 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,323.96 | [redacted] | $110.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 759 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [redacted] | $95,309.84 | 35.960% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 15.2 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226511264 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,195.00 | $7,157.41 | 7.417% | $7,576.25 | $10,375.92 | 7.623% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $25,125.17 | 1 | [redacted] | $6,389.76 | [redacted] | $532.48 | 39.512% | 32.771% | 39.512% | [Redacted] | 776 | Yes | No | [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $2,195.00 | 6.220% | $0.00 | 3.1 | None | Yes | No | 7.623% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 240 | [redacted] | $3,570,932.89 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Trustee | No | Individually and as Trustee | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 329.74 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226511376 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,355.31 | $8,244.90 | 9.245% | $2,924.20 | $2,924.20 | 8.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $4,938.49 | 1 | [redacted] | $1,140.00 | [redacted] | $95.00 | 48.999% | 48.999% | 48.999% | [Redacted] | 643 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,355.31 | 6.780% | $62,000.00 | 1.3 | None | Yes | No | 8.990% | 0 | 0 | 2 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $90,771.96 | 18.710% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226511403 | [Redacted] | [Redacted] | Non QM | Yes | No | $19,965.00 | $20,579.49 | 7.528% | $5,116.32 | $5,116.32 | 7.250% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $47,881.40 | 1 | [redacted] | $8,090.04 | [redacted] | $674.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $19,965.00 | 6.780% | $0.00 | 5.0 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $2,881,917.88 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 523.47 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226511414 | [Redacted] | [Redacted] | N/A | No | No | $2,126.12 | $2,126.12 | 5.990% | No | No | US Citizen | 3 | [redacted] | $1,734.96 | [redacted] | $144.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 756 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 5.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.92 | 0.51 | [redacted] | $532,575.28 | 75.010% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 57.48 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226511423 | [Redacted] | [Redacted] | N/A | No | No | $896.75 | $896.75 | 6.990% | No | No | US Citizen | US Citizen | 1 | [redacted] | $0.00 | [redacted] | $0.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.7 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | $140,676.56 | 78.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 40.83 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | AE | $50,241.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226511461 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,587.50 | $12,176.04 | 8.112% | $7,785.18 | $7,785.18 | 7.990% | No | No | Self-Employed | US Citizen | $32,635.18 | 1 | [redacted] | $1,683.72 | [redacted] | $140.31 | 28.622% | 28.622% | 28.622% | [Redacted] | 745 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [redacted] | $17,587.50 | 6.780% | $25,000.00 | 1.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | [redacted] | $220,195.26 | 18.660% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.55 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226511660 | [Redacted] | [Redacted] | Non QM | Yes | No | $19,152.25 | $25,805.55 | 9.626% | $5,320.65 | $5,320.65 | 9.250% | No | No | Self-Employed | US Citizen | $21,242.98 | 1 | [redacted] | $2,862.96 | [redacted] | $238.58 | 36.344% | 38.985% | 36.344% | [Redacted] | 631 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $19,152.25 | 6.370% | $0.00 | 1.2 | None | Yes | No | 9.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 38.56 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226511664 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,656.00 | $2,550.89 | 8.116% | $1,577.56 | $1,577.56 | 7.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $5,773.19 | 1 | [redacted] | $1,583.88 | [redacted] | $131.99 | 24.084% | 24.084% | 24.084% | [Redacted] | 733 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,656.00 | 6.710% | $9,000.00 | 1.0 | None | No | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $123,089.90 | 45.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Passport | 37.39 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226511686 | [Redacted] | [Redacted] | N/A | No | No | $4,118.94 | $4,118.94 | 6.875% | No | No | US Citizen | 3 | [redacted] | $2,073.00 | [redacted] | $172.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 802 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $255,126.12 | 30.510% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.75 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226511766 | [Redacted] | [Redacted] | N/A | No | No | $877.95 | $877.95 | 7.250% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $1,176.36 | [redacted] | $98.03 | 0.000% | 0.000% | 0.000% | [Redacted] | 658 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.1 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | $80,685.71 | 40.750% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.72 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226512211 | [Redacted] | [Redacted] | N/A | No | No | $3,757.93 | $3,757.93 | 6.625% | No | No | Foreign National | 1 | [redacted] | $1,706.16 | [redacted] | $142.18 | 0.000% | 0.000% | 0.000% | [Redacted] | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $921,561.00 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | 137.33 | No | $0.00 | $0.00 | No | No | No | No | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226512346 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,591.39 | $6,062.24 | 7.932% | $3,673.20 | $3,673.20 | 7.875% | No | No | Self-Employed | US Citizen | $15,258.87 | 1 | [redacted] | $2,658.96 | [redacted] | $221.58 | 24.526% | 24.526% | 24.526% | [Redacted] | 810 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $11,591.39 | 7.090% | $20,000.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $127,731.25 | 21.320% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.31 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226512643 | [Redacted] | [Redacted] | Non QM | Yes | No | $41,899.38 | $65,538.88 | 7.465% | $16,500.14 | $16,500.14 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $35,383.08 | 1 | [redacted] | $4,511.04 | [redacted] | $375.92 | 42.793% | 42.793% | 42.793% | [Redacted] | 768 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $41,899.38 | 6.710% | $0.00 | 1.0 | None | No | No | 7.250% | 0 | 2 | 2 | 0 | 2 | 2 | 0.00 | No | Other | [redacted] | $2,094,573.65 | 64.940% | No | 7 | 31 | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 60.55 | No | No | $0.00 | $10,333.33 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226512656 | [Redacted] | [Redacted] | N/A | No | No | $1,740.50 | $1,740.50 | 7.375% | No | No | US Citizen | 2 | [redacted] | $1,919.04 | [redacted] | $159.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 774 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | $319,608.03 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 122.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226512661 | [Redacted] | [Redacted] | N/A | No | No | $3,296.50 | $5,094.60 | 8.471% | $1,404.87 | $1,404.87 | 8.250% | No | No | Not Employed | Employed | US Citizen | US Citizen | $12,995.20 | 2 | [redacted] | $2,606.04 | [redacted] | $217.17 | 28.072% | 28.072% | 28.072% | [Redacted] | 811 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,296.50 | 6.710% | $0.00 | 2.6 | DU | ApproveIneligible | No | No | 8.250% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $66,970.63 | 30.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 12.76 | No | No | $0.00 | $18,066.90 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226513039 | [Redacted] | [Redacted] | N/A | No | No | $1,107.85 | $1,107.85 | 7.250% | No | No | Permanent Resident Alien | 1 | [redacted] | $1,998.60 | [redacted] | $166.55 | 0.000% | 0.000% | 0.000% | [Redacted] | 739 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.1 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [redacted] | $119,912.22 | 59.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.65 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | $367,107.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226518389 | [Redacted] | [Redacted] | N/A | No | No | $1,185.13 | $1,185.13 | 6.500% | No | No | Foreign National | 1 | [redacted] | $753.96 | [redacted] | $62.83 | 0.000% | 0.000% | 0.000% | [Redacted] | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $95,773.91 | 38.300% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | Yes | No | 7.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226519467 | [Redacted] | [Redacted] | N/A | No | No | $1,887.55 | $1,887.55 | 6.990% | No | No | US Citizen | US Citizen | 1 | [redacted] | $1,008.72 | [redacted] | $84.06 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.3 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.42 | 0.7 | [redacted] | $149,542.52 | 42.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | AO | $15,000,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226519468 | [Redacted] | [Redacted] | N/A | No | No | $1,130.71 | $1,130.71 | 7.250% | No | No | US Citizen | 1 | [redacted] | $759.00 | [redacted] | $63.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.2 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 15.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226519469 | [Redacted] | [Redacted] | N/A | No | No | $1,396.41 | $1,396.41 | 7.990% | No | No | US Citizen | 2 | [redacted] | $2,417.88 | [redacted] | $201.49 | 0.000% | 0.000% | 0.000% | [Redacted] | 689 | No | No | DSCR | [Redacted] | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [redacted] | $102,608.04 | 37.700% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.45 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226519470 | [Redacted] | [Redacted] | N/A | No | No | $8,927.00 | $9,461.60 | 7.594% | $1,978.31 | $1,978.31 | 7.250% | No | No | Not Employed | Employed | Employed | 2.75 | US Citizen | US Citizen | $24,886.84 | 1 | [redacted] | $1,767.00 | [redacted] | $147.25 | 41.605% | 41.605% | 41.605% | [Redacted] | 766 | 766 | 795 | 760 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $8,927.00 | 6.710% | $0.00 | 4.6 | None | No | No | 7.250% | 0 | 1 | 0 | 0 | 0 | 0 | 0.00 | No | [redacted] | $44,934.41 | No | 19 | 32 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.81 | No | No | $0.00 | $42,618.39 | No | No | No | No | 3 | 360 | AE | 05/31/2027 | $50,241,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226519567 | [Redacted] | [Redacted] | N/A | No | No | $725.07 | $725.07 | 7.875% | No | No | US Citizen | 1 | [redacted] | $2,484.96 | [redacted] | $207.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 689 | No | No | DSCR | [Redacted] | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.62 | 0.61 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 86.11 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226519581 | [Redacted] | [Redacted] | N/A | No | No | $665.30 | $665.30 | 6.990% | No | No | US Citizen | 1 | [redacted] | $826.56 | [redacted] | $68.88 | 0.000% | 0.000% | 0.000% | [Redacted] | 677 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | $113,604.46 | 79.440% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 60.48 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226519587 | [Redacted] | [Redacted] | N/A | No | No | $2,275.44 | $2,275.44 | 6.500% | No | No | US Citizen | 1 | [redacted] | $855.00 | [redacted] | $71.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | [Redacted] | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | $112,974.11 | 25.100% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 13.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226519595 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,470.00 | $2,009.59 | 7.657% | $4,303.39 | $4,303.39 | 7.625% | No | No | Self-Employed | US Citizen | $9,862.61 | 1 | [redacted] | $2,361.96 | [redacted] | $196.83 | 41.629% | 41.629% | 41.629% | [Redacted] | 715 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Balance Sheet - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [redacted] | $8,470.00 | 6.710% | $20,000.00 | 1.0 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [redacted] | $201,369.93 | 26.490% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226519598 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,345.00 | $7,901.30 | 7.540% | $11,156.25 | $14,379.84 | 7.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $41,275.72 | 1 | [redacted] | $2,334.96 | [redacted] | $194.58 | 47.598% | 43.505% | 47.598% | [Redacted] | 701 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2025 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [redacted] | $7,345.00 | 6.840% | $0.00 | 4.5 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12.00 | No | 240 | [redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.15 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226519599 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,612.32 | $7,169.15 | 8.023% | $1,979.16 | $1,979.16 | 7.750% | No | No | Employed | US Citizen | $5,085.07 | 1 | [redacted] | $1,062.96 | [redacted] | $88.58 | 39.397% | 39.397% | 39.397% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,612.32 | 6.720% | $0.00 | 2.2 | None | No | No | 7.750% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $135,063.77 | 35.540% | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 55.44 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226519602 | [Redacted] | [Redacted] | Non QM | Yes | No | $20,694.00 | $31,104.24 | 8.137% | $5,301.45 | $5,301.45 | 7.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $24,104.69 | 1 | [redacted] | $7,864.92 | [redacted] | $655.41 | 34.886% | 34.886% | 34.886% | [Redacted] | 652 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L | 0 | 0 | 0 | [redacted] | $20,694.00 | 6.720% | $0.00 | 2.2 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 11.79 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226519605 | [Redacted] | [Redacted] | N/A | No | No | $2,069.09 | $2,069.09 | 5.375% | No | No | US Citizen | 1 | [redacted] | $2,669.04 | [redacted] | $222.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 5.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $754,299.47 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 253.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226519607 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,330.00 | $1,955.96 | 7.960% | $3,826.61 | $3,826.61 | 7.990% | No | No | Self-Employed | US Citizen | $10,069.82 | 1 | [redacted] | $2,928.72 | [redacted] | $244.06 | 41.161% | 41.161% | 41.161% | [Redacted] | 746 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $11,330.00 | 6.840% | $23,000.00 | 1.0 | None | Yes | No | 7.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $61,284.73 | 10.560% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 2.28 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226519622 | [Redacted] | [Redacted] | N/A | No | No | $2,115.31 | $2,115.31 | 6.875% | No | No | 0 | Foreign National | Non-Permanent Resident Alien | 1 | [redacted] | $2,655.60 | [redacted] | $221.30 | 0.000% | 0.000% | 0.000% | [Redacted] | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.7 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.55 | 0.64 | [redacted] | $432,421.00 | 94.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 77.59 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226519765 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,449.20 | $12,597.20 | 9.307% | $6,769.43 | $6,769.43 | 9.125% | No | No | Self-Employed | US Citizen | $15,931.90 | 2 | [redacted] | $1,866.00 | [redacted] | $155.50 | 48.860% | 48.860% | 48.860% | [Redacted] | 698 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; Balance Sheet - 2026 [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [redacted] | $11,449.20 | 7.050% | $0.00 | None | N/A | No | 9.125% | 0 | 0 | 0 | 2 | 0 | 14.00 | No | [redacted] | $258,059.35 | 24.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.93 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226519772 | [Redacted] | [Redacted] | N/A | No | No | $1,920.93 | $1,920.93 | 6.625% | No | No | US Citizen | 3 | [redacted] | $2,810.04 | [redacted] | $234.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 688 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 3.08 | 0.32 | [redacted] | $1,689,448.01 | 84.470% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 7.43 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226519793 | [Redacted] | [Redacted] | N/A | No | No | $656.93 | $656.93 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,236.00 | [redacted] | $103.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 805 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 5.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $189,102.27 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 85.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226520170 | [Redacted] | [Redacted] | N/A | No | No | $3,322.00 | $5,825.58 | 8.219% | $1,255.82 | $1,255.82 | 7.875% | No | No | Self-Employed | US Citizen | $111,321.01 | 1 | [redacted] | $2,046.00 | [redacted] | $170.50 | 7.471% | 7.471% | 7.471% | [Redacted] | 724 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,322.00 | 6.840% | $1,500.00 | 1.0 | None | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $101,084.90 | 46.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 31.15 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226520183 | [Redacted] | [Redacted] | N/A | No | No | $665.96 | $665.96 | 6.990% | No | No | US Citizen | 1 | [redacted] | $933.60 | [redacted] | $77.80 | 0.000% | 0.000% | 0.000% | [Redacted] | 677 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [redacted] | $113,604.46 | 74.250% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 52.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226520756 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,096.62 | $2,843.40 | 9.509% | $1,946.29 | $1,946.29 | 9.375% | No | No | Self-Employed | US Citizen | $15,677.96 | 1 | [redacted] | $432.96 | [redacted] | $36.08 | 26.797% | 26.797% | 26.797% | [Redacted] | 736 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,096.62 | 7.050% | $7,500.00 | 1.9 | None | Yes | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $37,696.89 | 14.490% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.88 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226520805 | [Redacted] | [Redacted] | N/A | No | No | $1,783.64 | $1,783.64 | 7.625% | No | No | US Citizen | 1 | [redacted] | $683.04 | [redacted] | $56.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 772 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | $57,816.34 | 18.350% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.12 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226524294 | [Redacted] | [Redacted] | Non QM | Yes | No | $526.50 | $1,863.77 | 7.122% | $997.95 | $997.95 | 7.000% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,381.51 | 1 | [redacted] | $876.00 | [redacted] | $73.00 | 45.191% | 45.191% | 45.191% | [Redacted] | 790 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $526.50 | 7.050% | $0.00 | 1.0 | None | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $965,953.90 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 396.2 | No | No | $1,334.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226524559 | [Redacted] | [Redacted] | N/A | No | No | $3,987.79 | $3,987.79 | 6.990% | No | No | US Citizen | 3 | [redacted] | $8,391.00 | [redacted] | $699.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 763 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 2.6 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.05 | 0.48 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 122.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226524903 | [Redacted] | [Redacted] | N/A | No | No | $3,453.13 | $3,863.16 | 7.500% | No | No | US Citizen | 4 | [redacted] | $3,946.20 | [redacted] | $328.85 | 0.000% | 0.000% | 0.000% | [Redacted] | 789 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.68 | 240 | [redacted] | $30,171.28 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226524906 | [Redacted] | [Redacted] | N/A | No | No | $1,835.79 | $1,835.79 | 6.875% | No | No | US Citizen | 1 | [redacted] | $564.00 | [redacted] | $47.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 660 | No | No | DSCR | 1 | 0 | 0 | No | [redacted] | $0.00 | 4.1 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226524910 | [Redacted] | [Redacted] | N/A | No | No | $1,232.37 | $1,232.37 | 7.500% | No | No | US Citizen | 1 | [redacted] | $1,606.32 | [redacted] | $133.86 | 0.000% | 0.000% | 0.000% | [Redacted] | 799 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.45 | 0.68 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226524912 | [Redacted] | [Redacted] | N/A | No | No | $986.24 | $986.24 | 7.500% | No | No | US Citizen | 1 | [redacted] | $3,033.00 | [redacted] | $252.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 676 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.4 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 44.09 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226524913 | [Redacted] | [Redacted] | N/A | No | No | $14,085.87 | $14,613.89 | 9.533% | $2,504.16 | $2,504.16 | 8.990% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | US Citizen | $46,957.02 | 1 | [redacted] | $1,044.00 | [redacted] | $87.00 | 24.945% | 24.945% | 24.945% | [Redacted] | 656 | 797 | 737 | 731 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 24 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $14,085.87 | 7.050% | $0.00 | 3.3 | None | No | No | 8.990% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 107.46 | Yes | No | $62,563.46 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226524915 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,922.50 | $12,458.17 | 7.786% | $7,768.27 | $8,061.56 | 7.883% | No | No | Self-Employed | US Citizen | $10,462.09 | 1 | [redacted] | $5,660.04 | [redacted] | $471.67 | 48.791% | 47.355% | 48.791% | [Redacted] | 770 | Yes | Yes | 24 | Business | 97.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,922.50 | 6.220% | $0.00 | 5.0 | None | No | No | 7.883% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Other | [redacted] | $246,720.33 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226524918 | [Redacted] | [Redacted] | N/A | No | No | $2,192.19 | $2,192.19 | 7.625% | No | No | US Citizen | 1 | [redacted] | $1,319.04 | [redacted] | $109.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 769 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | 240 | [redacted] | $176,289.80 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 65.86 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226524922 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,404.43 | $15,523.86 | 7.222% | $4,457.35 | $4,457.35 | 6.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $16,776.58 | 1 | [redacted] | $1,703.16 | [redacted] | $141.93 | 30.360% | 30.360% | 30.360% | [Redacted] | 690 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $13,404.43 | 7.050% | $40,000.00 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $178.43 | 0.020% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226524935 | [Redacted] | [Redacted] | N/A | No | No | $85,506.75 | $54,253.61 | 7.840% | $6,446.57 | $6,446.57 | 7.250% | No | No | Not Employed | Self-Employed | US Citizen | $30,572.21 | 1 | [redacted] | $2,078.28 | [redacted] | $173.19 | 28.958% | 28.958% | 28.958% | [Redacted] | 761 | No | No | [Coborrower(s) - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Other - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $85,506.75 | 6.490% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | [redacted] | $135,750.00 | 10.050% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 3.09 | No | $43,033.78 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226533806 | [Redacted] | [Redacted] | N/A | No | No | $1,379.55 | $1,379.55 | 6.875% | No | No | Permanent Resident Alien | Permanent Resident Alien | 1 | [redacted] | $1,493.64 | [redacted] | $124.47 | 0.000% | 0.000% | 0.000% | [Redacted] | 739 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.3 | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | [redacted] | No | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 90.23 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226536630 | [Redacted] | [Redacted] | N/A | No | No | $1,810.24 | $1,810.24 | 6.500% | No | No | US Citizen | 2 | [redacted] | $1,320.96 | [redacted] | $110.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 802 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | $347,531.49 | 97.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 306.61 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226537327 | [Redacted] | [Redacted] | Non QM | Yes | No | $37,381.73 | $46,357.97 | 7.143% | $9,604.30 | $9,604.30 | 6.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $86,629.75 | 1 | [redacted] | $4,178.04 | [redacted] | $348.17 | 15.613% | 15.613% | 15.613% | [Redacted] | 779 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $37,381.73 | 6.840% | $1,500.06 | 2.7 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $572,718.91 | 33.290% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 54.58 | No | No | $51,329.00 | $0.00 | No | No | No | No | 2 | 360 | X* | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226539034 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,221.56 | $12,935.56 | 9.195% | $2,253.90 | $2,253.90 | 8.750% | No | No | Self-Employed | Non-Permanent Resident Alien | Guatemala | $8,760.46 | 1 | [redacted] | $1,253.04 | [redacted] | $104.42 | 26.171% | 26.171% | 26.171% | [Redacted] | 646 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $10,221.56 | 6.780% | $0.00 | 1.0 | None | No | No | 8.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $14,912.37 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | No | 8.98 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226539035 | [Redacted] | [Redacted] | N/A | No | No | $1,559.16 | $1,559.16 | 6.625% | No | No | US Citizen | 1 | [redacted] | $3,870.96 | [redacted] | $322.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 740 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.15 | 0.86 | [redacted] | $497,217.25 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 212.42 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226539039 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,248.75 | $9,555.00 | 7.894% | $3,578.48 | $3,578.48 | 7.750% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $9,957.89 | 1 | [redacted] | $2,142.96 | [redacted] | $178.58 | 48.888% | 48.888% | 48.888% | [Redacted] | 699 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099 Transcript - 2024 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; 1099 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 [Coborrower(s) - | Non-Primary Income - Pension]; 1099 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [redacted] | $1,248.75 | 6.780% | $0.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12.00 | No | [redacted] | $17,676.74 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.38 | No | No | $6,260.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226539046 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,074.00 | $24,536.30 | 7.828% | $4,698.72 | $4,698.72 | 7.500% | No | No | Not Employed | Self-Employed | Permanent Resident Alien | $19,317.16 | 3 | [redacted] | $2,622.00 | [redacted] | $218.50 | 25.898% | 25.898% | 25.898% | [Redacted] | 742 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $13,074.00 | 7.050% | $0.00 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | [redacted] | $42,000.00 | 5.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 20.24 | No | $26,068.33 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226539048 | [Redacted] | [Redacted] | N/A | No | No | $1,939.42 | $1,939.42 | 7.375% | No | No | US Citizen | 1 | [redacted] | $1,677.96 | [redacted] | $139.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 778 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [redacted] | $125,282.31 | 35.690% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.16 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226539467 | [Redacted] | [Redacted] | N/A | No | No | $18,326.69 | $18,326.69 | 7.990% | No | No | US Citizen | 3 | [redacted] | $9,776.88 | [redacted] | $814.74 | 0.000% | 0.000% | 0.000% | [Redacted] | 712 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [redacted] | $520,110.04 | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 16.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226539524 | [Redacted] | [Redacted] | Non QM | Yes | No | $11,930.48 | $2,566.23 | 6.643% | $2,465.20 | $2,465.20 | 6.625% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $4,596.84 | 1 | [redacted] | $564.00 | [redacted] | $47.00 | 44.166% | 44.166% | 44.166% | [Redacted] | 729 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $11,930.48 | 6.840% | $25,000.00 | 1.0 | None | Yes | No | 6.625% | 1 | 0 | 0 | 0 | 2 | 0 | No | [redacted] | $281,698.40 | 48.460% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.2 | No | $3,630.50 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226539558 | [Redacted] | [Redacted] | N/A | No | No | $1,880.04 | $1,880.04 | 6.990% | No | No | US Citizen | 1 | [redacted] | $983.04 | [redacted] | $81.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 660 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.5 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 22.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226539669 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,490.00 | $20,489.27 | 6.877% | $4,322.10 | $4,322.10 | 6.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $10,026.55 | 1 | [redacted] | $3,054.00 | [redacted] | $254.50 | 36.051% | 36.051% | 36.051% | [Redacted] | 709 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2000 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2000 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $15,490.00 | 6.710% | $0.00 | 1.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $69,042.44 | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.4 | No | $7,839.45 | $0.00 | No | No | No | No | 1 | 360 | A | 06/23/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226539875 | [Redacted] | [Redacted] | N/A | No | No | $51,975.00 | $16,010.08 | 7.410% | $6,685.33 | $6,685.33 | 7.250% | No | No | Not Employed | Self-Employed | US Citizen | $19,124.45 | 4 | [redacted] | $8,891.40 | [redacted] | $740.95 | 19.064% | 19.064% | 19.064% | [Redacted] | 742 | No | No | [Coborrower(s) - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 1yr P&L w/Bank Statements | 0 | 0 | 0 | [redacted] | $51,975.00 | 6.490% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | [redacted] | $226,877.35 | 16.200% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 7.07 | No | No | $22,923.42 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226540220 | [Redacted] | [Redacted] | N/A | No | No | $3,555.78 | $3,555.78 | 6.990% | No | No | US Citizen | 3 | [redacted] | $6,574.92 | [redacted] | $547.91 | 0.000% | 0.000% | 0.000% | [Redacted] | 812 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.47 | 0.4 | [redacted] | $99,222.52 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 28.04 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226540258 | [Redacted] | [Redacted] | N/A | No | No | $2,057.01 | $2,057.01 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,313.04 | [redacted] | $109.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 815 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $334,949.79 | 80.220% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 89.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226540261 | [Redacted] | [Redacted] | N/A | No | No | $2,175.63 | $2,175.63 | 7.375% | No | No | US Citizen | 1 | [redacted] | $807.96 | [redacted] | $67.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 801 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.9 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226540265 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,733.60 | $3,090.68 | 8.418% | $1,496.52 | $1,496.52 | 8.250% | No | No | Self-Employed | US Citizen | $3,294.09 | 1 | [redacted] | $1,707.72 | [redacted] | $142.31 | 41.633% | 41.633% | 41.633% | [Redacted] | 713 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 |
Full Documentation (F) | 2yr 1099 | 0 | 0 | 0 | [redacted] | $4,733.60 | 6.840% | $7,500.00 | 2.6 | None | No | No | 8.250% | 0 | 0 | 0 | 3 | 0 | No | [redacted] | $68,866.76 | 27.650% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 8.73 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226540276 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,595.00 | $2,469.68 | 7.485% | $9,764.16 | $13,912.04 | 7.896% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $329,550.74 | 1 | [redacted] | $2,741.04 | [redacted] | $228.42 | 5.482% | 5.093% | 5.482% | [Redacted] | 812 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,595.00 | 6.300% | $18,000.00 | 2.7 | None | Yes | No | 7.896% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | 240 | [redacted] | $1,278,282.14 | 57.190% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | Yes | No | FICO II | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO II | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 64.34 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226540545 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,100.63 | $8,511.40 | 6.912% | $2,505.21 | $2,505.21 | 6.750% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $21,730.79 | 1 | [redacted] | $2,964.00 | [redacted] | $247.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 764 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $4,100.63 | 6.710% | $0.00 | 1.5 | None | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,386,370.35 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 334.82 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226540560 | [Redacted] | [Redacted] | N/A | No | No | $2,497.10 | $2,497.10 | 7.625% | No | No | 0 | US Citizen | Not Provided | 1 | [redacted] | $1,914.96 | [redacted] | $159.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 737 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.9 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.94 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 115.5 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226540561 | [Redacted] | [Redacted] | N/A | No | No | $1,576.63 | $1,576.63 | 6.875% | No | No | US Citizen | 1 | [redacted] | $887.04 | [redacted] | $73.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | [redacted] | $1,486,019.83 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 671.89 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226540583 | [Redacted] | [Redacted] | N/A | No | No | $1,352.28 | $1,352.28 | 8.250% | No | No | 0 | US Citizen | Not Provided | 1 | [redacted] | $2,682.12 | [redacted] | $223.51 | 0.000% | 0.000% | 0.000% | [Redacted] | 721 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $100,163.07 | 44.510% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226540590 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,654.00 | $9,334.47 | 8.427% | $2,474.00 | $2,474.00 | 8.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $21,360.50 | 1 | [redacted] | $1,661.16 | [redacted] | $138.43 | 39.205% | 39.205% | 39.205% | [Redacted] | 718 | No | Yes | 12 | Business | 100.000% | 51.000% | 29.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2012 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,654.00 | 7.050% | $0.00 | 1.0 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $87,008.24 | 22.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 74.82 | No | $12,736.58 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226540592 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $4,225.75 | 7.337% | $2,111.34 | $2,111.34 | 7.250% | No | No | Non-Employment Income | US Citizen | $7,288.87 | 1 | [redacted] | $1,942.44 | [redacted] | $161.87 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $1,390.00 | 6.780% | $250.00 | 5.0 | None | No | No | 7.250% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $666,635.09 | 100.000% | No | Yes | Short Form | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 193.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226540639 | [Redacted] | [Redacted] | N/A | No | No | $7,496.91 | $7,496.91 | 8.500% | No | No | US Citizen | 3 | [redacted] | $3,261.60 | [redacted] | $271.80 | 0.000% | 0.000% | 0.000% | [Redacted] | 792 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | $219,983.33 | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 27.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226540656 | [Redacted] | [Redacted] | N/A | No | No | $5,223.96 | $5,223.96 | 7.375% | No | No | US Citizen | 3 | [redacted] | $7,190.04 | [redacted] | $599.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 733 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.69 | 0.59 | 240 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 48.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226544995 | [Redacted] | [Redacted] | N/A | No | No | $3,140.38 | $3,140.38 | 6.990% | No | No | US Citizen | 1 | [redacted] | $1,218.96 | [redacted] | $101.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | $71,030.36 | 11.270% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.54 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226545003 | [Redacted] | [Redacted] | Non QM | Yes | No | $20,610.00 | $21,230.01 | 7.929% | $8,940.82 | $8,940.82 | 7.750% | No | No | Self-Employed | US Citizen | $29,291.16 | 1 | [redacted] | $3,429.00 | [redacted] | $285.75 | 35.618% | 35.618% | 35.618% | [Redacted] | 684 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $20,610.00 | 6.610% | $0.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $470,842.32 | 30.180% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226545004 | [Redacted] | [Redacted] | N/A | No | No | $2,500.00 | $0.00 | 6.941% | $1,973.67 | $1,973.67 | 6.990% | No | No | Self-Employed | US Citizen | $10,561.46 | 1 | [redacted] | $1,792.20 | [redacted] | $149.35 | 43.257% | 43.257% | 43.257% | [Redacted] | 760 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,500.00 | 7.090% | $14,613.27 | 1.6 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $127,984.76 | 34.470% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 42.17 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AE | 10/02/2027 | $408,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226545006 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,226.25 | $19,997.03 | 7.214% | $3,342.13 | $3,342.13 | 6.875% | No | No | Not Employed | Self-Employed | US Citizen | $29,655.86 | 1 | [redacted] | $993.96 | [redacted] | $82.83 | 31.477% | 31.477% | 31.477% | [Redacted] | 773 | No | Yes | 12 | Business | 100.000% | 50.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $9,226.25 | 6.840% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $116,420.30 | 12.580% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 96.68 | No | No | $43,278.64 | $0.00 | No | No | No | No | 1 | 360 | VE | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226545011 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,310.00 | $4,426.55 | 7.799% | $1,981.82 | $1,981.82 | 7.625% | No | No | Employed | Employed | US Citizen | US Citizen | $8,493.61 | 1 | [redacted] | $1,641.72 | [redacted] | $136.81 | 33.064% | 33.064% | 33.064% | [Redacted] | 701 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $3,310.00 | 6.780% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 7.625% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 0.7 | No | $0.00 | $3,205.99 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226545031 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,762.00 | $9,272.80 | 9.100% | $2,800.67 | $2,800.67 | 8.875% | No | No | Self-Employed | US Citizen | $3,532.38 | 1 | [redacted] | $2,052.00 | [redacted] | $171.00 | 49.265% | 49.265% | 49.265% | [Redacted] | 675 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 5.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $5,762.00 | 7.050% | $7,500.00 | 1.5 | None | Yes | No | 8.875% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $188,658.57 | 42.870% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 23.18 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226545032 | [Redacted] | [Redacted] | N/A | No | No | $1,776.42 | $1,776.42 | 7.875% | No | No | Foreign National | 1 | [redacted] | $1,660.92 | [redacted] | $138.41 | 0.000% | 0.000% | 0.000% | [Redacted] | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.73 | [redacted] | $356,100.54 | 90.150% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | 81.59 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226545038 | [Redacted] | [Redacted] | N/A | No | No | $1,627.98 | $1,627.98 | 6.750% | No | No | US Citizen | 1 | [redacted] | $1,209.96 | [redacted] | $100.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 742 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.5 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.77 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226545039 | [Redacted] | [Redacted] | N/A | No | No | $1,527.60 | $1,527.60 | 6.875% | No | No | 0 | Foreign National | Foreign National | 1 | [redacted] | $849.00 | [redacted] | $70.75 | 0.000% | 0.000% | 0.000% | [Redacted] | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.81 | [redacted] | $116,180.40 | 37.470% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 22.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226545265 | [Redacted] | [Redacted] | N/A | No | No | $5,278.75 | $5,331.21 | 7.892% | $6,282.94 | $6,437.65 | 8.004% | No | No | Self-Employed | US Citizen | $16,515.46 | 1 | [redacted] | $4,689.00 | [redacted] | $390.75 | 49.800% | 49.329% | 49.800% | [Redacted] | 737 | No | Yes | 12 | Business | 100.000% | 61.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 61.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 61.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 61.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 61.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 61.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2019 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [redacted] | $5,278.75 | 6.290% | $0.00 | 4.1 | None | No | No | 8.004% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 23.29 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226545287 | [Redacted] | [Redacted] | N/A | No | No | $5,133.38 | $5,133.38 | 7.250% | No | No | 0 | US Citizen | US Citizen | US Citizen | 1 | [redacted] | $1,903.80 | [redacted] | $158.65 | 0.000% | 0.000% | 0.000% | [Redacted] | 738 | 734 | 738 | 743 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $317,577.50 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 38.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226545293 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,509.20 | $20,478.61 | 6.519% | $3,940.59 | $3,940.59 | 6.250% | No | No | Not Employed | Employed | US Citizen | US Citizen | $15,038.24 | 1 | [redacted] | $2,315.04 | [redacted] | $192.92 | 29.057% | 29.057% | 29.057% | [Redacted] | 788 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,509.20 | 6.780% | $420,000.00 | 1.7 | None | No | No | 6.250% | 0 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $210,958.25 | 19.260% | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.1 | No | No | $0.00 | $21,197.50 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226545294 | [Redacted] | [Redacted] | N/A | No | No | $1,495.00 | $3,077.50 | 8.761% | $1,158.98 | $1,158.98 | 8.625% | No | No | Not Employed | Employed | US Citizen | $15,461.97 | 1 | [redacted] | $585.96 | [redacted] | $48.83 | 35.796% | 35.796% | 36.847% | [Redacted] | 704 | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2023 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,495.00 | 7.050% | $2,500.00 | 1.0 | None | Yes | No | 8.625% | 0 | 3 | 0 | 0 | 3 | 0 | 0.00 | No | 240 | [redacted] | $365,568.32 | 100.000% | No | 33 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 161.28 | No | No | $0.00 | $23,635.41 | No | No | No | No | 3 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226545298 | [Redacted] | [Redacted] | N/A | No | No | $3,104.51 | $3,104.51 | 7.500% | No | No | US Citizen | 1 | [redacted] | $2,673.24 | [redacted] | $222.77 | 0.000% | 0.000% | 0.000% | [Redacted] | 752 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | [redacted] | $557,473.02 | 93.850% | No | Yes | Commitment | Leasehold | Individual | Individual | No | Individual | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 87.51 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226545299 | [Redacted] | [Redacted] | N/A | No | No | $2,382.83 | $2,382.83 | 7.375% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $3,432.84 | [redacted] | $286.07 | 0.000% | 0.000% | 0.000% | [Redacted] | 727 | 727 | 751 | 713 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.46 | 0.68 | [redacted] | $382,966.47 | 83.250% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 91.07 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226545303 | [Redacted] | [Redacted] | N/A | No | No | $1,762.74 | $1,762.74 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,357.80 | [redacted] | $113.15 | 0.000% | 0.000% | 0.000% | [Redacted] | 802 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.82 | [redacted] | $121,483.32 | 37.610% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.87 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226545319 | [Redacted] | [Redacted] | N/A | No | No | $2,779.09 | $2,779.09 | 7.125% | No | No | US Citizen | 1 | [redacted] | $1,490.04 | [redacted] | $124.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 16.14 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226545390 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,167.20 | $11,043.34 | 7.704% | $6,171.96 | $6,171.96 | 7.625% | No | No | Self-Employed | US Citizen | $301,277.47 | 1 | [redacted] | $4,920.96 | [redacted] | $410.08 | 2.495% | 2.495% | 2.495% | [Redacted] | 712 | No | Yes | 24 | Business | 100.000% | 31.660% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 31.66% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 31.66% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 31.66% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 31.66% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 31.66% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 31.66% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Account Statements - Business - 2024 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 31.66% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Other - 2023 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 31.66% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Other - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,167.20 | 7.050% | $0.00 | 4.5 | None | No | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $925,323.36 | 84.890% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 100.1 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226546174 | [Redacted] | [Redacted] | N/A | No | No | $2,850.00 | $4,620.55 | 8.105% | $1,218.12 | $1,218.12 | 7.875% | No | No | Employed | US Citizen | $12,903.66 | 1 | [redacted] | $144.00 | [redacted] | $12.00 | 32.165% | 32.165% | 32.165% | [Redacted] | 786 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,850.00 | 6.640% | $0.00 | 1.9 | None | Yes | No | 7.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 90.38 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226546252 | [Redacted] | [Redacted] | N/A | No | No | $2,089.24 | $2,089.24 | 7.990% | No | No | US Citizen | 3 | [redacted] | $4,923.00 | [redacted] | $410.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | $42,653.26 | 11.220% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 80.53 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226546255 | [Redacted] | [Redacted] | N/A | No | No | $3,384.20 | $3,384.20 | 7.500% | No | No | 0 | US Citizen | US Citizen | 2 | [redacted] | $1,248.36 | [redacted] | $104.03 | 0.000% | 0.000% | 0.000% | [Redacted] | 800 | 802 | 787 | 800 | Level 4-Stated/Verified as defined | No | No | DSCR | [Redacted] | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.89 | [redacted] | $257,586.36 | 42.570% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.71 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226546393 | [Redacted] | [Redacted] | N/A | No | No | $865.07 | $865.07 | 7.375% | No | No | US Citizen | 1 | [redacted] | $1,774.68 | [redacted] | $147.89 | 0.000% | 0.000% | 0.000% | [Redacted] | 770 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 98.8 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | AE | $234,586.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226546404 | [Redacted] | [Redacted] | Non QM | Yes | No | $10,862.69 | $15,864.78 | 8.127% | $3,218.48 | $3,218.48 | 7.750% | No | No | Employed | US Citizen | $3,702.42 | 1 | [redacted] | $1,302.12 | [redacted] | $108.51 | 49.630% | 49.630% | 49.630% | [Redacted] | 705 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Child Support]; Child Support Order - 2022 [Borrower - | Non-Primary Income - Alimony]; Divorce Decree - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $10,862.69 | 6.840% | $0.00 | 1.0 | None | No | No | 7.750% | 0 | 0 | 0 | 2 | 2 | 0.00 | No | [redacted] | $243,000.40 | 40.560% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.27 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226546479 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,717.27 | $19,161.95 | 9.074% | $4,392.86 | $4,392.86 | 8.750% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $11,296.24 | 1 | [redacted] | $3,735.72 | [redacted] | $311.31 | 49.477% | 49.477% | 49.477% | [Redacted] | 648 | No | Yes | 12 | Business | 53.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $15,717.27 | 7.050% | $0.00 | 1.0 | None | Yes | No | 8.750% | 0 | 2 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $5,292.38 | No | 22 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.32 | No | No | $0.00 | $10,416.67 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226546491 | [Redacted] | [Redacted] | N/A | No | No | $4,984.73 | $4,984.73 | 6.990% | No | No | US Citizen | 3 | [redacted] | $9,338.04 | [redacted] | $778.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 813 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.8 | [redacted] | $82,093.43 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7.36 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226549145 | [Redacted] | [Redacted] | N/A | No | No | $840.46 | $840.46 | 7.500% | No | No | 0 | US Citizen | 1 | [redacted] | $1,303.92 | [redacted] | $108.66 | 0.000% | 0.000% | 0.000% | [Redacted] | 696 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | [redacted] | $234,646.33 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 219.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226549494 | [Redacted] | [Redacted] | N/A | No | No | $1,324.15 | $1,324.15 | 6.875% | No | No | Permanent Resident Alien | 2 | [redacted] | $1,614.00 | [redacted] | $134.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 753 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.85 | [redacted] | $281,577.35 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 106.3 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226549518 | [Redacted] | [Redacted] | N/A | No | No | $872.62 | $872.62 | 7.875% | No | No | 0 | US Citizen | 1 | [redacted] | $2,333.04 | [redacted] | $194.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 696 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 0 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226549545 | [Redacted] | [Redacted] | N/A | No | No | $1,719.73 | $1,719.73 | 6.990% | No | No | US Citizen | 4 | [redacted] | $3,387.96 | [redacted] | $282.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 798 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.25 | 0.79 | [redacted] | $17,970.35 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 6.7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226549558 | [Redacted] | [Redacted] | N/A | No | No | $1,247.74 | $1,247.74 | 6.375% | No | No | Permanent Resident Alien | 1 | [redacted] | $1,676.04 | [redacted] | $139.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 792 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.6 | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | [redacted] | $461,320.67 | 87.040% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 50.97 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226549560 | [Redacted] | [Redacted] | Non QM | Yes | No | $9,732.40 | $17,133.60 | 7.707% | $3,226.83 | $3,226.83 | 7.375% | No | No | Self-Employed | US Citizen | $6,470.63 | 1 | [redacted] | $1,797.96 | [redacted] | $149.83 | 40.099% | 40.099% | 40.099% | [Redacted] | 713 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $9,732.40 | 6.780% | $20,000.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $205,669.03 | 35.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.32 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226549561 | [Redacted] | [Redacted] | N/A | No | No | $1,268.86 | $1,268.86 | 7.250% | No | No | US Citizen | 1 | [redacted] | $884.04 | [redacted] | $73.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 788 | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | [redacted] | $237,312.62 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 97.76 | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226549564 | [Redacted] | [Redacted] | N/A | No | No | $839.76 | $839.76 | 7.500% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $870.00 | [redacted] | $72.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 696 | Level 2-Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | $297,627.11 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 288.82 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226549582 | [Redacted] | [Redacted] | N/A | No | No | $872.62 | $872.62 | 7.875% | No | No | 0 | US Citizen | 1 | [redacted] | $1,291.20 | [redacted] | $107.60 | 0.000% | 0.000% | 0.000% | [Redacted] | 696 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $297,627.11 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 271.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226549586 | [Redacted] | [Redacted] | N/A | No | No | $1,381.36 | $1,381.36 | 7.375% | No | No | US Citizen | 1 | [redacted] | $921.00 | [redacted] | $76.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 752 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | [redacted] | $124,489.75 | 49.790% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 151.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226549588 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,097.03 | $5,090.31 | 7.296% | $1,586.61 | $1,586.61 | 7.125% | No | No | Non-Employment Income | US Citizen | $10,815.06 | 1 | [redacted] | $3,467.04 | [redacted] | $288.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 812 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $3,097.03 | 6.720% | $0.00 | 3.1 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | [redacted] | $1,274,953.97 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 457.85 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226549623 | [Redacted] | [Redacted] | N/A | No | No | $3,891.59 | $3,891.59 | 6.750% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $3,917.04 | [redacted] | $326.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 782 | 782 | 782 | 774 | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.4 | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $165,038.41 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individually and as Trustee | Individual | Individually and as Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 25.57 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226549644 | [Redacted] | [Redacted] | Non QM | Yes | No | $0.00 | $0.00 | 6.946% | $983.65 | $983.65 | 6.990% | No | No | Self-Employed | Non-Permanent Resident Alien | El Salvador | $19,497.26 | 1 | [redacted] | $1,761.12 | [redacted] | $146.76 | 11.326% | 11.326% | 11.326% | [Redacted] | 677 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | 7.050% | $9,450.43 | 1.0 | None | Yes | No | 6.990% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $98,276.37 | 28.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 5.39 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226549645 | [Redacted] | [Redacted] | Non QM | Yes | No | $14,160.82 | $17,186.97 | 10.187% | $4,632.81 | $4,632.81 | 9.875% | No | No | Self-Employed | US Citizen | $14,580.95 | 1 | [redacted] | $3,729.96 | [redacted] | $310.83 | 34.316% | 34.316% | 34.316% | [Redacted] | 705 | No | Yes | 36 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2018 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $14,160.82 | 6.710% | $17,784.00 | 2.1 | None | Yes | No | 9.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $42,748.83 | 7.210% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.87 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226550703 | [Redacted] | [Redacted] | N/A | No | No | $14,488.00 | $28,398.93 | 10.087% | $7,098.33 | $7,098.33 | 9.750% | No | No | Not Employed | Non-Employment Income | US Citizen | $101,606.64 | 1 | [redacted] | $1,146.60 | [redacted] | $95.55 | 0.000% | 0.000% | 0.000% | [Redacted] | 723 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $14,488.00 | 6.840% | $0.00 | 4.0 | None | No | No | 9.750% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $7,866,189.05 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 980.77 | No | No | $131,551.86 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226550913 | [Redacted] | [Redacted] | N/A | No | No | $1,856.18 | $1,856.18 | 7.125% | No | No | Permanent Resident Alien | 1 | [redacted] | $734.04 | [redacted] | $61.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 779 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | $178,115.75 | 51.710% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 50.85 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226550916 | [Redacted] | [Redacted] | N/A | No | No | $1,435.60 | $1,435.60 | 6.990% | No | No | US Citizen | 1 | [redacted] | $1,349.40 | [redacted] | $112.45 | 0.000% | 0.000% | 0.000% | [Redacted] | 720 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.87 | [redacted] | $42,048.82 | 15.570% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226550923 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,652.50 | $10,396.54 | 7.531% | $3,496.54 | $3,496.54 | 7.375% | No | No | Employed | US Citizen | $7,936.69 | 1 | [redacted] | $4,548.96 | [redacted] | $379.08 | 36.582% | 36.582% | 36.582% | [Redacted] | 816 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,652.50 | 6.840% | $5,000.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $514,181.15 | 76.170% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 71.13 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226550924 | [Redacted] | [Redacted] | N/A | No | No | $847.43 | $847.43 | 7.990% | No | No | US Citizen | 1 | [redacted] | $969.00 | [redacted] | $80.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 799 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.3 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | [redacted] | $667,475.06 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 495.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226550962 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $4,584.25 | 7.693% | $2,742.70 | $2,742.70 | 7.625% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $6,400.75 | 1 | [redacted] | $2,246.76 | [redacted] | $187.23 | 48.183% | 48.183% | 48.183% | [Redacted] | 782 | Yes | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Pension]; 1099-R - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,890.00 | 7.050% | $0.00 | 1.0 | None | N/A | No | 7.625% | 0 | 0 | 1 | 0 | 2 | 2 | 0.00 | No | Other | [redacted] | $969,862.02 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 218.55 | Yes | No | $2,206.35 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226551030 | [Redacted] | [Redacted] | Non QM | Yes | No | $33,475.00 | $20,862.35 | 7.376% | $8,186.12 | $8,186.12 | 7.250% | No | No | Self-Employed | US Citizen | $56,617.54 | 1 | [redacted] | $1,764.96 | [redacted] | $147.08 | 24.104% | 24.104% | 24.104% | [Redacted] | 786 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [redacted] | $33,475.00 | 6.780% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $455,870.63 | 30.390% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 26.79 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226552330 | [Redacted] | [Redacted] | N/A | No | No | $1,962.64 | $1,962.64 | 7.000% | No | No | US Citizen | US Citizen | 1 | [redacted] | $591.00 | [redacted] | $49.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [redacted] | $75,179.03 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 136.6 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226552357 | [Redacted] | [Redacted] | N/A | No | No | $5,120.00 | $7,342.01 | 8.414% | $2,704.56 | $2,704.56 | 8.250% | No | No | Self-Employed | US Citizen | $8,086.42 | 1 | [redacted] | $2,744.16 | [redacted] | $228.68 | 29.279% | 29.279% | 29.279% | [Redacted] | 772 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $5,120.00 | 6.840% | $0.00 | 1.3 | DU | ApproveIneligible | No | No | 8.250% | 1 | 1 | 0 | 2 | 1 | No | [redacted] | $343,917.60 | 85.970% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 95.59 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226552377 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,518.60 | $8,334.76 | 9.078% | $4,847.54 | $4,847.54 | 8.990% | No | No | Employed | US Citizen | $10,318.50 | 1 | [redacted] | $815.04 | [redacted] | $67.92 | 41.847% | 41.847% | 41.847% | [Redacted] | 799 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $8,518.60 | 6.840% | $25,000.00 | 1.0 | None | Yes | No | 8.990% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $618,471.70 | 92.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 96.3 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226552404 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,517.50 | $9,318.11 | 7.074% | $1,216.59 | $1,216.59 | 6.625% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $2,354.28 | 1 | [redacted] | $2,096.04 | [redacted] | $174.67 | 48.370% | 48.370% | 48.370% | [Redacted] | 796 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,517.50 | 6.840% | $0.00 | 1.3 | None | Yes | No | 6.625% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $538,200.36 | 78.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 6.77 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226552405 | [Redacted] | [Redacted] | N/A | No | No | $1,946.15 | $1,946.15 | 6.875% | No | No | 0 | US Citizen | 1 | [redacted] | $3,444.96 | [redacted] | $287.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 767 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.7 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.87 | [redacted] | $18,712.64 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 12.49 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226553835 | [Redacted] | [Redacted] | N/A | No | No | $1,566.24 | $1,566.24 | 7.500% | No | No | US Citizen | 2 | [redacted] | $1,472.04 | [redacted] | $122.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.73 | [redacted] | $93,313.85 | 33.320% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.18 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226555847 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,970.00 | $8,397.12 | 7.155% | $960.47 | $960.47 | 6.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $5,845.71 | 1 | [redacted] | $981.36 | [redacted] | $81.78 | 20.396% | 20.396% | 20.396% | [Redacted] | 799 | No | Yes | 12 | Personal | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Personal - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $6,970.00 | 6.710% | $0.00 | 1.9 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 96.17 | No | $3,671.76 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226555870 | [Redacted] | [Redacted] | N/A | No | No | $1,791.03 | $1,791.03 | 7.750% | No | No | US Citizen | 1 | [redacted] | $210.00 | [redacted] | $17.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 728 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | [redacted] | $58,439.45 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 111.67 | No | $0.00 | $0.00 | No | No | No | No | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226555982 | [Redacted] | [Redacted] | Non QM | Yes | No | $0.00 | $0.00 | 9.184% | $5,950.90 | $5,950.90 | 9.250% | No | No | Self-Employed | US Citizen | $45,452.27 | 1 | [redacted] | $2,838.96 | [redacted] | $236.58 | 19.846% | 19.846% | 19.846% | [Redacted] | 668 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 1 | 0 | 0 | [redacted] | 7.090% | ($13,779.48) | 3.4 | None | No | No | 9.250% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $293,000.00 | 30.370% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.75 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226556031 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,599.70 | $20,516.45 | 7.859% | $3,761.77 | $3,761.77 | 7.500% | No | No | Not Employed | Self-Employed | US Citizen | $32,006.98 | 1 | [redacted] | $2,463.00 | [redacted] | $205.25 | 31.450% | 31.450% | 31.450% | [Redacted] | 740 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,599.70 | 6.840% | $0.00 | 2.5 | None | No | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 102.72 | No | No | $46,691.38 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226556032 | [Redacted] | [Redacted] | N/A | No | No | $8,990.00 | $5,191.26 | 7.557% | $1,023.26 | $1,023.26 | 7.250% | No | No | Not Employed | Self-Employed | Self-Employed | 2.77 | US Citizen | US Citizen | $21,980.08 | 1 | [redacted] | $615.00 | [redacted] | $51.25 | 26.873% | 26.873% | 26.873% | [Redacted] | 796 | 771 | 770 | 781 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Other - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Other - 2022 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Other - 2022 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Other - 2022 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024 |
[Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $8,990.00 | 7.370% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 2 | 0 | 2 | 0 | 0.00 | No | [redacted] | $825,813.18 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 216.84 | No | No | $30,057.20 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226559914 | [Redacted] | [Redacted] | N/A | No | No | $1,850.02 | $1,850.02 | 6.875% | No | No | 0 | Foreign National | Foreign National | 1 | [redacted] | $786.96 | [redacted] | $65.58 | 0.000% | 0.000% | 0.000% | [Redacted] | Level 3-Stated/Partially Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.6 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $166,906.28 | 44.450% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 24.13 | No | $0.00 | $0.00 | No | Yes | Yes | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226559926 | [Redacted] | [Redacted] | N/A | No | No | $2,660.54 | $2,660.54 | 6.625% | No | No | US Citizen | 1 | [redacted] | $8,563.20 | [redacted] | $713.60 | 0.000% | 0.000% | 0.000% | [Redacted] | 791 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [redacted] | $515,662.69 | 64.860% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226559953 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $3,482.81 | 7.331% | $2,013.78 | $2,013.78 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $12,190.48 | 1 | [redacted] | $794.28 | [redacted] | $66.19 | 18.362% | 18.362% | 18.362% | [Redacted] | 802 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,690.00 | 6.840% | $0.00 | 3.1 | None | No | No | 7.250% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $143,866.50 | 38.980% | No | 32 | 21 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 24.55 | No | No | $0.00 | $7,238.64 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226559955 | [Redacted] | [Redacted] | N/A | No | No | $2,544.73 | $2,544.73 | 6.875% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $2,293.08 | [redacted] | $191.09 | 0.000% | 0.000% | 0.000% | [Redacted] | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $25,900.00 | 5.010% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | 60.53 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | A | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226559959 | [Redacted] | [Redacted] | N/A | No | No | $1,114.26 | $1,114.26 | 7.990% | No | No | US Citizen | 2 | [redacted] | $1,708.44 | [redacted] | $142.37 | 0.000% | 0.000% | 0.000% | [Redacted] | 727 | No | No | DSCR | [Redacted] | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.48 | 0.67 | [redacted] | $87,944.17 | 46.280% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.05 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226560014 | [Redacted] | [Redacted] | Non QM | Yes | No | $21,605.59 | $21,971.32 | 8.850% | $4,704.79 | $4,704.79 | 8.500% | No | No | Employed | Employed | Non-Permanent Resident Alien | US Citizen | $8,717.19 | 1 | [redacted] | $2,504.64 | [redacted] | $208.72 | 42.450% | 42.450% | 42.450% | [Redacted] | 803 | Yes | No | [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Non-Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; WVOE - 2026 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $21,605.59 | 6.780% | $14,800.00 | 1.0 | None | Yes | No | 8.500% | 0 | 2 | 2 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $242,599.14 | 35.280% | No | 31 | 31 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 25.87 | No | $0.00 | $4,283.10 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226560031 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,095.00 | $8,754.94 | 7.866% | $1,175.87 | $1,175.87 | 7.375% | No | No | Non-Employment Income | US Citizen | $5,123.51 | 1 | [redacted] | $1,193.04 | [redacted] | $99.42 | 41.332% | 41.332% | 41.332% | [Redacted] | 778 | No | No | [Borrower - | Primary Income - VA Service Related Disability]; Other - 2026 [Borrower - | Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2026 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2026 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2026 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $5,095.00 | 7.090% | $5,000.00 | 3.2 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $122,047.26 | 53.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 25.68 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226560033 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $7,283.59 | 8.530% | $6,858.71 | $6,858.71 | 8.500% | No | Yes | Not Employed | Non-Employment Income | Not Employed | 0 | US Citizen | US Citizen | US Citizen | $18,599.66 | 1 | [redacted] | $3,464.40 | [redacted] | $288.70 | 0.000% | 0.000% | 0.000% | [Redacted] | 783 | 806 | 821 | 798 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $1,790.00 | 7.090% | $0.00 | 3.3 | None | No | No | 8.500% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,864,052.07 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 198.23 | Yes | No | $33,437.36 | $0.00 | No | No | No | No | 2 | 360 | A | 10/09/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226560035 | [Redacted] | [Redacted] | N/A | No | No | $9,360.00 | $11,892.50 | 8.595% | $2,404.05 | $2,404.05 | 8.250% | No | No | Employed | US Citizen | $3,887.69 | 1 | [redacted] | $3,873.48 | [redacted] | $322.79 | 47.243% | 47.243% | 47.243% | [Redacted] | 703 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; WVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $9,360.00 | 6.130% | $0.00 | 1.3 | None | No | No | 8.250% | 2 | 1 | 0 | 2 | 2 | 0.00 | No | [redacted] | $0.00 | No | 31 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 18.32 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | AO | 05/15/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226560121 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,531.89 | $10,511.23 | 7.797% | $1,641.04 | $1,641.04 | 7.375% | No | No | Employed | US Citizen | $3,830.21 | 1 | [redacted] | $1,719.00 | [redacted] | $143.25 | 41.820% | 41.820% | 41.820% | [Redacted] | 747 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,531.89 | 7.490% | $0.00 | 1.0 | DU | ApproveIneligible | Yes | No | 7.375% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.25 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226560160 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $9,879.45 | 7.540% | $7,915.11 | $7,915.11 | 7.500% | No | No | Employed | US Citizen | $12,015.06 | 1 | [redacted] | $1,076.04 | [redacted] | $89.67 | 49.191% | 49.191% | 49.191% | [Redacted] | 736 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $1,490.00 | 7.050% | $0.00 | 1.1 | DU | ApproveEligible | No | No | 7.500% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $1,322,744.03 | 93.480% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 85.18 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226563296 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $1,752.46 | 8.977% | $3,086.99 | $3,086.99 | 8.990% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $9,306.16 | 1 | [redacted] | $1,829.04 | [redacted] | $152.42 | 40.493% | 40.493% | 40.493% | [Redacted] | 685 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [redacted] | $1,690.00 | 7.050% | $10,000.00 | 2.6 | None | No | No | 8.990% | 2 | 0 | 2 | 0 | 2 | 2 | 8.00 | No | [redacted] | $410,226.58 | 85.460% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 87.89 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226563402 | [Redacted] | [Redacted] | N/A | No | No | $73,546.00 | $19,030.53 | 7.122% | $7,967.66 | $7,967.66 | 7.000% | No | No | Not Employed | Employed | Not Employed | 0 | US Citizen | Not Provided | $18,596.91 | 1 | [redacted] | $4,064.04 | [redacted] | $338.67 | 29.155% | 29.155% | 29.155% | [Redacted] | 768 | Level 1-Not Stated/Not Verified | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $73,546.00 | 6.840% | $75,000.00 | 1.3 | None | Yes | No | 7.000% | 0 | 2 | 0 | 0 | 0 | 0 | 0.00 | No | [redacted] | $951,947.02 | 63.590% | No | 31 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 68.69 | No | No | $0.00 | $26,249.99 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226564205 | [Redacted] | [Redacted] | N/A | No | No | $3,101.13 | $3,101.13 | 7.375% | No | No | US Citizen | 2 | [redacted] | $2,263.08 | [redacted] | $188.59 | 0.000% | 0.000% | 0.000% | [Redacted] | 747 | No | No | DSCR | [Redacted] | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.88 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 19.45 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226564206 | [Redacted] | [Redacted] | N/A | No | No | $2,220.53 | $2,220.53 | 6.990% | No | No | 0 | US Citizen | 1 | [redacted] | $1,652.88 | [redacted] | $137.74 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | [redacted] | $0.00 | No | Yes | Commitment | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | FICO Risk Score Classic 04 | No | 40.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226564562 | [Redacted] | [Redacted] | N/A | No | No | $1,158.95 | $1,158.95 | 7.500% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,238.04 | [redacted] | $103.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.3 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | [redacted] | $50,458.48 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 60.88 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226564576 | [Redacted] | [Redacted] | N/A | No | No | $1,383.33 | $1,383.33 | 8.375% | No | No | US Citizen | 3 | [redacted] | $3,084.00 | [redacted] | $257.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 709 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.8 | 0.55 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 8.65 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226564894 | [Redacted] | [Redacted] | N/A | No | No | $14,295.00 | $18,036.10 | 7.813% | $3,635.92 | $3,635.92 | 7.500% | No | No | Self-Employed | US Citizen | $99,188.72 | 1 | [redacted] | $2,035.80 | [redacted] | $169.65 | 20.672% | 20.672% | 20.672% | [Redacted] | 767 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $14,295.00 | 6.840% | $0.00 | 1.2 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $465,505.12 | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 101.94 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226564927 | [Redacted] | [Redacted] | Non QM | Yes | No | $956.25 | $4,964.36 | 7.312% | $1,515.87 | $1,515.87 | 7.125% | No | No | Non-Employment Income | Non-Employment Income | US Citizen | US Citizen | $4,797.44 | 1 | [redacted] | $4,451.04 | [redacted] | $370.92 | 40.678% | 40.678% | 40.678% | [Redacted] | 783 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Pension]; 1099 Transcript - 2025 [Coborrower(s) - | Primary Income - Pension]; 1099 Transcript - 2025 [Coborrower(s) - | Primary Income - Pension]; 1099 Transcript - 2024 [Coborrower(s) - | Primary Income - Pension]; 1099 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099 Transcript - 2025 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; 1099 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $956.25 | 7.090% | $0.00 | 2.6 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $687,319.51 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 139.33 | No | No | $5,016.35 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226564928 | [Redacted] | [Redacted] | N/A | No | No | $5,996.43 | $5,996.43 | 7.625% | No | No | 0 | US Citizen | US Citizen | 4 | [redacted] | $12,981.96 | [redacted] | $1,081.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 799 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [redacted] | $186.69 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 4.47 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226564933 | [Redacted] | [Redacted] | N/A | No | No | $12,970.00 | $18,824.50 | 7.607% | $4,972.86 | $4,972.86 | 7.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $149,244.49 | 1 | [redacted] | $3,552.00 | [redacted] | $296.00 | 22.582% | 22.582% | 22.582% | [Redacted] | 803 | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,970.00 | 6.840% | $0.00 | 3.7 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $1,393,461.75 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 192.28 | No | No | $96,388.54 | $0.00 | No | No | No | No | 6 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226564935 | [Redacted] | [Redacted] | N/A | No | No | $2,016.77 | $2,016.77 | 7.375% | No | No | US Citizen | 2 | [redacted] | $1,904.28 | [redacted] | $158.69 | 0.000% | 0.000% | 0.000% | [Redacted] | 747 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.78 | [redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 33.25 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226564939 | [Redacted] | [Redacted] | N/A | No | No | $1,139.09 | $1,139.09 | 9.125% | No | No | US Citizen | 1 | [redacted] | $1,533.00 | [redacted] | $127.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 660 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.5 | No | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.77 | [redacted] | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 98.06 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226565204 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,690.00 | $3,587.07 | 7.232% | $1,684.30 | $1,684.30 | 7.125% | No | No | Self-Employed | US Citizen | $3,603.06 | 1 | [redacted] | $1,364.04 | [redacted] | $113.67 | 46.774% | 46.774% | 46.774% | [Redacted] | 716 | No | Yes | 12 | Business | 85.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Borrower - | Non-Primary Income - Child Support]; Account Statements - 2026 [Borrower - | Non-Primary Income - Child Support]; Divorce Decree - 2025 [Borrower - | Non-Primary Income - Child Support]; Other - 2025 [Borrower - | Non-Primary Income - Child Support]; Child Support Order - 2012 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,690.00 | 7.050% | $2,000.00 | 1.0 | None | Yes | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $307,782.14 | 69.160% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 37.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226565246 | [Redacted] | [Redacted] | N/A | No | No | $11,625.00 | $3,377.87 | 7.011% | $1,281.01 | $1,281.01 | 6.875% | No | No | Employed | Permanent Resident Alien | $4,618.18 | 1 | [redacted] | $1,604.04 | [redacted] | $133.67 | 6.071% | 6.071% | 6.071% | [Redacted] | 754 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $11,625.00 | 6.710% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | [redacted] | $102,916.80 | 39.580% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | 12.11 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226565249 | [Redacted] | [Redacted] | N/A | No | No | $21,310.00 | $6,652.11 | 7.041% | $2,148.16 | $2,148.16 | 6.875% | No | No | Self-Employed | US Citizen | $9,935.43 | 1 | [redacted] | $3,954.96 | [redacted] | $329.58 | 49.744% | 49.744% | 49.744% | [Redacted] | 664 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Business License - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Tax Return Extension - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Tax Return Extension - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $21,310.00 | 6.720% | $16,350.00 | 1.6 | None | Yes | No | 6.875% | 2 | 2 | 0 | 3 | 0 | 8.97 | No | [redacted] | $60,000.00 | 11.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 407.25 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226565257 | [Redacted] | [Redacted] | N/A | No | No | $1,455.94 | $1,455.94 | 7.875% | No | No | US Citizen | 1 | [redacted] | $2,958.96 | [redacted] | $246.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 738 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.34 | 0.74 | [redacted] | $91,116.10 | 36.300% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 15.24 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226565277 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,849.30 | $6,598.21 | 8.014% | $881.01 | $881.01 | 7.500% | No | No | Self-Employed | Non-Permanent Resident Alien | Guatemala | $29,324.48 | 1 | [redacted] | $1,704.00 | [redacted] | $142.00 | 7.418% | 7.418% | 7.418% | [Redacted] | 718 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,849.30 | 7.090% | $0.00 | 4.0 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 97.03 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226566101 | [Redacted] | [Redacted] | N/A | No | No | $3,456.08 | $3,456.08 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $3,558.00 | [redacted] | $296.50 | 0.000% | 0.000% | 0.000% | [Redacted] | 810 | 813 | 817 | 819 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.4 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.71 | [redacted] | $195,448.79 | 30.060% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.69 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226566478 | [Redacted] | [Redacted] | N/A | No | No | $842.27 | $842.27 | 7.625% | No | No | Permanent Resident Alien | 1 | [redacted] | $1,556.04 | [redacted] | $129.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 675 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.03 | [redacted] | $304,949.00 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 182.51 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226568949 | [Redacted] | [Redacted] | N/A | No | No | $1,067.69 | $1,067.69 | 6.125% | No | No | US Citizen | 1 | [redacted] | $906.96 | [redacted] | $75.58 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | [redacted] | $59,277.18 | 26.980% | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 59.09 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226568961 | [Redacted] | [Redacted] | N/A | No | No | $5,862.01 | $5,862.01 | 6.875% | No | No | 0 | 0 | Not Provided | Foreign National | Foreign National | 1 | [redacted] | $1,377.96 | [redacted] | $114.83 | 0.000% | 0.000% | 0.000% | [Redacted] | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.58 | 0.62 | [redacted] | $406,803.00 | 34.190% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Authorized Signor | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 22.91 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226575735 | [Redacted] | [Redacted] | N/A | No | No | $9,980.40 | $14,707.77 | 8.265% | $6,385.48 | $6,385.48 | 8.125% | No | No | Employed | US Citizen | $13,018.39 | 1 | [redacted] | $13,937.52 | [redacted] | $1,161.46 | 42.460% | 42.460% | 42.460% | [Redacted] | 781 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2025 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - No Results Returned - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $9,980.40 | 6.840% | $1,000.00 | 4.4 | None | No | No | 8.125% | 2 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $494,476.20 | 45.990% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 27.23 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | AE | 10/14/2027 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226576760 | [Redacted] | [Redacted] | N/A | No | No | $1,091.49 | $1,091.49 | 7.250% | No | No | US Citizen | 1 | [redacted] | $2,262.36 | [redacted] | $188.53 | 0.000% | 0.000% | 0.000% | [Redacted] | 766 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.2 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | No | 90.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226576763 | [Redacted] | [Redacted] | N/A | No | No | $2,229.55 | $2,229.55 | 7.625% | No | No | US Citizen | 3 | [redacted] | $5,521.68 | [redacted] | $460.14 | 0.000% | 0.000% | 0.000% | [Redacted] | 713 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.69 | 0.59 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 32.41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | A8 | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226576772 | [Redacted] | [Redacted] | N/A | No | No | $2,255.50 | $2,255.50 | 6.750% | No | No | 0 | Foreign National | Foreign National | 1 | [redacted] | $2,472.96 | [redacted] | $206.08 | 0.000% | 0.000% | 0.000% | [Redacted] | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | Yes | [redacted] | $0.00 | 1.6 | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.27 | 0.43 | [redacted] | $1,754,446.76 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | 425.49 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226576849 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,304.88 | $1,291.51 | 9.743% | $2,756.60 | $2,756.60 | 9.750% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $19,256.36 | 1 | [redacted] | $1,182.96 | [redacted] | $98.58 | 23.265% | 23.265% | 23.265% | [Redacted] | 700 | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,304.88 | 7.090% | $38,000.00 | 1.0 | None | Yes | No | 9.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $27,595.79 | 7.740% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.27 | No | $25,094.51 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226576856 | [Redacted] | [Redacted] | N/A | No | No | $1,800.40 | $1,800.40 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,833.24 | [redacted] | $152.77 | 0.000% | 0.000% | 0.000% | [Redacted] | 750 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.3 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $2,000.00 | 0.600% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 30.42 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226577547 | [Redacted] | [Redacted] | N/A | No | No | $49,724.38 | $7,716.69 | 7.550% | $6,424.03 | $6,424.03 | 7.500% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | Not Provided | $43,459.48 | 1 | [redacted] | $1,215.96 | [redacted] | $101.33 | 32.149% | 32.149% | 32.149% | [Redacted] | 767 | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 - 2025 [Coborrower(s) - | Primary Income - Sole Proprietor]; 1099 Transcript - 2025 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $49,724.38 | 7.050% | $0.00 | 5.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $601,839.10 | 49.120% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 34.39 | No | No | $64,051.40 | $0.00 | No | No | No | No | 5 | 360 | VE | 05/24/2027 | $10,614,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226578049 | [Redacted] | [Redacted] | N/A | No | No | $2,169.28 | $2,169.28 | 8.250% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $2,037.96 | [redacted] | $169.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 733 | 733 | 723 | 759 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 41 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226578052 | [Redacted] | [Redacted] | N/A | No | No | $1,763.37 | $1,763.37 | 8.375% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $2,149.56 | [redacted] | $179.13 | 0.000% | 0.000% | 0.000% | [Redacted] | 733 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.0 | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | [redacted] | $267,819.37 | 92.350% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 92.64 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226578102 | [Redacted] | [Redacted] | Non QM | Yes | No | $6,033.10 | $7,496.59 | 6.983% | $1,822.56 | $1,822.56 | 6.750% | No | No | Employed | US Citizen | $5,641.02 | 1 | [redacted] | $1,326.96 | [redacted] | $110.58 | 43.026% | 43.026% | 43.026% | [Redacted] | 700 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | [Redacted] | 0 | 0 | 0 | [redacted] | $6,033.10 | 6.840% | $0.00 | 4.4 | None | No | No | 6.750% | 2 | 0 | 0 | 2 | 2 | 0.00 | No | [redacted] | $1,003.85 | No | 32 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 17.6 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226578107 | [Redacted] | [Redacted] | N/A | No | No | $25,943.50 | $10,324.80 | 7.912% | $2,099.91 | $3,039.52 | 8.107% | No | No | Not Employed | Self-Employed | Not Employed | 0 | US Citizen | US Citizen | $28,298.31 | 1 | [redacted] | $1,889.64 | [redacted] | $157.47 | 21.921% | 20.986% | 21.921% | [Redacted] | 680 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
Alternative Documentation (A) | 12mo Bank Statement | [Redacted] | 0 | 0 | 0 | [redacted] | $25,943.50 | 6.380% | $0.00 | 1.8 | None | No | No | 8.107% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 240 | [redacted] | $233,426.23 | No | Yes | Commitment | Fee Simple | Individual | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 86.16 | No | No | $36,243.16 | $0.00 | No | No | No | No | 2 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226578152 | [Redacted] | [Redacted] | N/A | No | No | $9,333.40 | $11,761.69 | 7.793% | $2,602.27 | $2,602.27 | 7.500% | No | No | Non-Employment Income | US Citizen | $7,094.45 | 1 | [redacted] | $1,013.04 | [redacted] | $84.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 754 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $9,333.40 | 6.840% | $18,727.41 | 1.5 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,299,530.84 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 222.66 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | 06/10/2027 | $43,750,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226578168 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $5,123.25 | 7.306% | $3,745.15 | $3,745.15 | 7.250% | No | No | Employed | Non-Employment Income | US Citizen | US Citizen | $6,853.72 | 1 | [redacted] | $3,402.96 | [redacted] | $283.58 | 48.493% | 48.493% | 48.493% | [Redacted] | 800 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 1yr Full Doc | 0 | 0 | 0 | [redacted] | $1,490.00 | 7.090% | $0.00 | 1.7 | None | No | No | 7.250% | 2 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $589,747.05 | 73.810% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 66.82 | Yes | No | $3,587.10 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226578759 | [Redacted] | [Redacted] | Non QM | Yes | No | $3,790.00 | $7,768.98 | 7.540% | $6,250.00 | $8,055.93 | 7.500% | No | No | Self-Employed | Self-Employed | US Citizen | Permanent Resident Alien | $49,142.90 | 1 | [redacted] | $2,208.96 | [redacted] | $184.08 | 18.307% | 15.305% | 18.307% | [Redacted] | 810 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2001 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2001 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,790.00 | 6.840% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | 240 | [redacted] | $0.00 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Resident Alien Card | No | 129.96 | No | $30,077.73 | $0.00 | No | No | No | No | 1 | 240 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226578766 | [Redacted] | [Redacted] | N/A | No | No | $5,989.15 | $5,989.15 | 6.375% | No | No | US Citizen | 2 | [redacted] | $1,437.36 | [redacted] | $119.78 | 0.000% | 0.000% | 0.000% | [Redacted] | 795 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $88,124.07 | 7.340% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 10.85 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226578768 | [Redacted] | [Redacted] | N/A | No | No | $14,680.00 | $17,080.31 | 7.885% | $2,957.68 | $2,957.68 | 7.500% | No | No | Employed | US Citizen | $9,497.17 | 1 | [redacted] | $1,716.84 | [redacted] | $143.07 | 28.273% | 28.273% | 28.273% | [Redacted] | 766 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $14,680.00 | 7.050% | $9,000.00 | 1.0 | DU | ApproveIneligible | No | No | 7.500% | 3 | 1 | 0 | 3 | 0 | 0.00 | No | [redacted] | $182,208.45 | 38.760% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.26 | No | No | $0.00 | $0.00 | No | No | No | No | 6 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226578787 | [Redacted] | [Redacted] | N/A | No | No | $1,690.38 | $1,690.38 | 7.250% | No | No | Permanent Resident Alien | 1 | [redacted] | $624.00 | [redacted] | $52.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 716 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.3 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | [redacted] | $14,737.00 | 4.750% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.08 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226578789 | [Redacted] | [Redacted] | N/A | No | No | $1,023.26 | $1,023.26 | 7.250% | No | No | US Citizen | 1 | [redacted] | $1,824.96 | [redacted] | $152.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 714 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.2 | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.75 | [redacted] | $64,911.44 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 32.87 | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226579075 | [Redacted] | [Redacted] | N/A | No | Yes | $1,750.00 | $9,917.68 | 7.745% | $2,517.17 | $2,517.17 | 7.500% | No | No | Non-Employment Income | US Citizen | $5,870.67 | 1 | [redacted] | $2,831.40 | [redacted] | $235.95 | 48.471% | 48.471% | 48.471% | [Redacted] | 803 | No | No | [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,750.00 | 7.050% | $2,000.00 | 1.0 | LP / LPA | Accept/Eligible | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $125,888.86 | 27.970% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.19 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226579302 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,590.00 | $6,679.09 | 7.290% | $6,139.59 | $6,139.59 | 7.250% | No | No | Self-Employed | US Citizen | $64,670.71 | 1 | [redacted] | $14,303.04 | [redacted] | $1,191.92 | 20.759% | 20.759% | 20.759% | [Redacted] | 677 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,590.00 | 6.840% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $1,518,398.98 | 46.010% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 17.96 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226579496 | [Redacted] | [Redacted] | N/A | No | No | $37,225.60 | $10,267.46 | 7.635% | $4,307.16 | $4,307.16 | 7.500% | No | No | Employed | US Citizen | $4,852.53 | 3 | [redacted] | $3,161.04 | [redacted] | $263.42 | 42.912% | 42.912% | 42.912% | [Redacted] | 781 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $37,225.60 | 6.720% | $0.00 | None | No | No | 7.500% | 1 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $63,052.70 | 8.180% | No | 17 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 3.45 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226579504 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,885.00 | $7,014.04 | 7.576% | $2,072.03 | $2,072.03 | 7.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $9,711.15 | 1 | [redacted] | $12,033.96 | [redacted] | $1,002.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 739 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $4,885.00 | 7.090% | $0.00 | 1.9 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,232,286.09 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 206.46 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226580936 | [Redacted] | [Redacted] | N/A | No | No | $1,773.63 | $1,773.63 | 8.375% | No | No | US Citizen | 1 | [redacted] | $1,118.16 | [redacted] | $93.18 | 0.000% | 0.000% | 0.000% | [Redacted] | 660 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 4.2 | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226583437 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $7,820.28 | 7.907% | $8,164.28 | $8,164.28 | 7.875% | No | No | Self-Employed | US Citizen | $22,534.09 | 1 | [redacted] | $4,602.12 | [redacted] | $383.51 | 47.046% | 47.046% | 47.046% | [Redacted] | 747 | No | Yes | 12 | Business | 100.000% | 60.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2015 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $1,790.00 | 7.050% | $0.00 | 3.4 | None | Yes | No | 7.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $416,939.98 | 29.620% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 11.53 | Yes | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226583655 | [Redacted] | [Redacted] | N/A | No | No | $832.45 | $832.45 | 6.990% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,219.80 | [redacted] | $101.65 | 0.000% | 0.000% | 0.000% | [Redacted] | 741 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.9 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226583657 | [Redacted] | [Redacted] | Non QM | Yes | No | $18,245.00 | $27,013.72 | 7.122% | $8,970.50 | $11,930.36 | 6.990% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $65,477.11 | 1 | [redacted] | $19,073.40 | [redacted] | $1,589.45 | 19.745% | 16.117% | 19.745% | [Redacted] | 773 | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2025 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | [Redacted] | 0 | 0 | 0 | [redacted] | $18,245.00 | 6.710% | $0.00 | 3.4 | None | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | 240 | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 94.5 | No | $40,793.22 | $0.00 | No | No | No | No | 1 | 240 | AE | 06/02/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226584188 | [Redacted] | [Redacted] | N/A | No | No | $1,106.61 | $1,106.61 | 6.990% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $1,495.08 | [redacted] | $124.59 | 0.000% | 0.000% | 0.000% | [Redacted] | 749 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.7 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.73 | [redacted] | $46,304.60 | 20.850% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 20.15 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226584197 | [Redacted] | [Redacted] | Non QM | Yes | No | $16,037.75 | $165.33 | 8.462% | $5,605.38 | $5,605.38 | 8.500% | No | No | Self-Employed | US Citizen | $10,935.10 | 1 | [redacted] | $1,863.48 | [redacted] | $155.29 | 42.819% | 42.819% | 42.819% | [Redacted] | 728 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $16,037.75 | 6.840% | $28,000.00 | 1.0 | None | N/A | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $122,967.21 | 15.180% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.83 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226584209 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,888.25 | $3,469.55 | 8.042% | $2,924.94 | $2,924.94 | 7.990% | No | No | Self-Employed | Non-Permanent Resident Alien | Mexico | $5,887.50 | 1 | [redacted] | $2,440.08 | [redacted] | $203.34 | 41.874% | 41.874% | 41.874% | [Redacted] | 781 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $4,888.25 | 7.370% | $12,000.00 | 1.0 | None | Yes | No | 7.990% | 1 | 0 | 0 | 2 | 0 | No | [redacted] | $182,164.83 | 34.240% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | Employment Authorization | 13.78 | No | $0.00 | $0.00 | Yes | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226584235 | [Redacted] | [Redacted] | N/A | No | No | $3,011.06 | $3,011.06 | 6.625% | No | No | US Citizen | 2 | [redacted] | $1,997.04 | [redacted] | $166.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 709 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.91 | [redacted] | $343,525.88 | 45.800% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.76 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226584253 | [Redacted] | [Redacted] | N/A | No | No | $747.40 | $747.40 | 5.250% | No | No | US Citizen | 1 | [redacted] | $1,128.00 | [redacted] | $94.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 823 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 5.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.72 | 0.57 | [redacted] | $329,091.94 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | FICO Risk Score Classic 04 | 183.88 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226584256 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,117.00 | $9,695.24 | 8.178% | $8,141.48 | $8,141.48 | 8.125% | No | No | Self-Employed | US Citizen | $13,622.68 | 1 | [redacted] | $3,269.04 | [redacted] | $272.42 | 41.346% | 41.346% | 41.346% | [Redacted] | 721 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,117.00 | 7.050% | $0.00 | 2.6 | None | Yes | No | 8.125% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.33 | No | No | $0.00 | $0.00 | No | No | No | No | 5 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226584264 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,746.82 | $12,654.43 | 7.190% | $2,405.61 | $2,405.61 | 6.875% | No | No | Employed | Employed | US Citizen | US Citizen | $19,122.38 | 1 | [redacted] | $1,672.08 | [redacted] | $139.34 | 18.870% | 18.870% | 18.870% | [Redacted] | 808 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,746.82 | 7.090% | $6,500.00 | 3.1 | None | No | No | 6.875% | 2 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $15,000.00 | 2.010% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 13.5 | No | No | $2,721.30 | $2,314.50 | No | No | No | No | 2 | 360 | X-500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226584284 | [Redacted] | [Redacted] | N/A | No | No | $2,127.28 | $2,127.28 | 7.375% | No | No | US Citizen | 1 | [redacted] | $2,759.64 | [redacted] | $229.97 | 0.000% | 0.000% | 0.000% | [Redacted] | 741 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.5 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $53,313.63 | 13.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.1 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226584991 | [Redacted] | [Redacted] | N/A | No | No | $11,414.39 | $14,526.22 | 7.696% | $4,562.37 | $4,562.37 | 7.500% | No | No | Self-Employed | US Citizen | $11,092.88 | 2 | [redacted] | $1,808.04 | [redacted] | $150.67 | 44.954% | 44.954% | 44.954% | [Redacted] | 723 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $11,414.39 | 6.720% | $40,000.00 | None | No | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $208,669.31 | 23.980% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 16.73 | No | No | $0.00 | $0.00 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226585157 | [Redacted] | [Redacted] | N/A | No | No | $2,208.71 | $2,208.71 | 8.625% | No | No | US Citizen | 2 | [redacted] | $1,613.04 | [redacted] | $134.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 668 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $42,804.65 | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 14.3 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226585179 | [Redacted] | [Redacted] | N/A | No | No | $27,170.00 | $8,633.68 | 7.548% | $2,956.09 | $2,956.09 | 7.375% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $15,830.91 | 1 | [redacted] | $834.96 | [redacted] | $69.58 | 36.011% | 36.011% | 36.011% | [Redacted] | 708 | No | Yes | 24 | Business | 43.000% | 100.000% | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; VVOE - 2026 [Borrower - | Non-Primary Income - Wages]; WVOE - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 0 | 0 | 0 | [redacted] | $27,170.00 | 6.840% | $15,000.00 | 1.5 | None | No | No | 7.375% | 2 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $342,265.41 | 63.970% | No | 31 | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 45.67 | No | No | $10,592.29 | $0.00 | No | No | No | No | 2 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226585202 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,299.25 | $900.18 | 7.736% | $2,804.75 | $2,804.75 | 7.750% | No | No | Self-Employed | US Citizen | $7,278.73 | 1 | [redacted] | $1,086.36 | [redacted] | $90.53 | 38.852% | 38.852% | 38.852% | [Redacted] | 775 | No | Yes | 12 | Business | 60.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Non-Primary Income - Wages]; W-2 - 2024 [Borrower - | Non-Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $13,299.25 | 6.780% | $40,500.00 | 1.0 | None | No | No | 7.750% | 2 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $163,027.77 | 37.470% | No | 32 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.06 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226585254 | [Redacted] | [Redacted] | N/A | No | No | $487.75 | $487.75 | 8.125% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,894.68 | [redacted] | $157.89 | 0.000% | 0.000% | 0.000% | [Redacted] | 739 | 729 | 760 | 739 | Level 4-Stated/Verified as defined | No | No | DSCR | [Redacted] | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.6 | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.27 | 0.78 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individually and as Trustee | Individual | Individually and as Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 593.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | A1 | $100,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226585256 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,581.88 | $10,043.06 | 7.524% | $3,885.05 | $3,885.05 | 7.375% | No | No | Self-Employed | US Citizen | $97,026.90 | 1 | [redacted] | $8,638.20 | [redacted] | $719.85 | 6.447% | 6.447% | 6.447% | [Redacted] | 785 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | [Redacted] | 0 | 0 | 0 | [redacted] | $2,581.88 | 7.370% | $1,500.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $10,000.00 | 1.330% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 76.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | AE | 10/14/2027 | $250,000.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226585612 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,998.00 | $10,155.09 | 7.523% | $3,923.03 | $3,923.03 | 7.375% | No | No | Self-Employed | US Citizen | $10,715.16 | 1 | [redacted] | $2,033.04 | [redacted] | $169.42 | 45.669% | 45.669% | 45.669% | [Redacted] | 754 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,998.00 | 7.370% | $30,000.00 | 5.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $58,175.87 | 8.190% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 6.81 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | C | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226586982 | [Redacted] | [Redacted] | N/A | No | No | $12,016.54 | $12,156.55 | 7.968% | $2,397.84 | $2,397.84 | 7.625% | No | No | Employed | US Citizen | $2,247.80 | 1 | [redacted] | $2,580.00 | [redacted] | $215.00 | 49.228% | 49.228% | 49.228% | [Redacted] | 806 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Non-Primary Income - Trust Income]; Trust Agreement - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $12,016.54 | 7.370% | $8,469.00 | 2.5 | None | No | No | 7.625% | 0 | 2 | 0 | 2 | 0 | 0.00 | No | [redacted] | $100,774.38 | 23.790% | No | 16 | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 0.89 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226587014 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,554.00 | $11,934.70 | 7.620% | $5,560.15 | $5,560.15 | 7.500% | No | No | Self-Employed | US Citizen | $40,083.34 | 1 | [redacted] | $3,495.96 | [redacted] | $291.33 | 21.401% | 21.401% | 21.401% | [Redacted] | 794 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $7,554.00 | 7.090% | $0.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $474,976.43 | 47.780% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 32.9 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226587440 | [Redacted] | [Redacted] | N/A | No | No | $602.62 | $602.62 | 8.250% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,119.00 | [redacted] | $93.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 739 | 698 | 773 | 709 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.95 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individually and as Trustee | Individual | Individually and as Trustee | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 558.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226587739 | [Redacted] | [Redacted] | N/A | No | No | $4,517.18 | $4,517.18 | 7.875% | No | No | US Citizen | 3 | [redacted] | $10,023.36 | [redacted] | $835.28 | 0.000% | 0.000% | 0.000% | [Redacted] | 765 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.86 | 0.53 | [redacted] | $253,917.66 | 28.530% | No | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 31.37 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226587803 | [Redacted] | [Redacted] | Non QM | Yes | No | $12,117.70 | $7,041.32 | 7.507% | $3,133.94 | $3,133.94 | 7.375% | No | No | Self-Employed | US Citizen | $14,964.81 | 1 | [redacted] | $1,478.04 | [redacted] | $123.17 | 26.894% | 26.894% | 26.894% | [Redacted] | 712 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $12,117.70 | 7.090% | $14,300.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $157,728.62 | 26.070% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 4.1 | Yes | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226587831 | [Redacted] | [Redacted] | Non QM | Yes | No | $13,742.50 | $16,398.99 | 8.534% | $4,244.66 | $4,244.66 | 8.250% | No | No | Self-Employed | US Citizen | $7,263.17 | 1 | [redacted] | $2,625.96 | [redacted] | $218.83 | 47.083% | 47.083% | 47.083% | [Redacted] | 642 | No | Yes | 12 | Personal | 50.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 13.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 13.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 13.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 13.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 13.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 13.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Non-Primary Income - Alimony]; Account Statements - 2026 [Borrower - | Non-Primary Income - Alimony]; Divorce Decree - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $13,742.50 | 7.370% | $0.00 | 1.5 | None | Yes | No | 8.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.7 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226587836 | [Redacted] | [Redacted] | Non QM | Yes | No | $8,715.00 | $11,780.64 | 7.757% | $5,124.43 | $5,124.43 | 7.625% | No | No | Self-Employed | US Citizen | $31,861.33 | 1 | [redacted] | $2,159.04 | [redacted] | $179.92 | 30.710% | 30.710% | 30.710% | [Redacted] | 795 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $8,715.00 | 7.370% | $0.00 | 1.2 | None | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $153,113.46 | 16.910% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 17.65 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226589266 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,805.96 | $5,771.37 | 7.863% | $2,900.82 | $2,900.82 | 7.750% | No | No | Self-Employed | US Citizen | $6,057.02 | 1 | [redacted] | $808.56 | [redacted] | $67.38 | 41.449% | 41.449% | 41.449% | [Redacted] | 775 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2025 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2024 [Borrower - | Primary Income - Sole Proprietor]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $2,805.96 | 6.720% | $8,500.00 | 2.7 | None | Yes | No | 7.750% | 2 | 0 | 0 | 2 | 0 | No | [redacted] | $87,894.53 | 19.530% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 9.23 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226589271 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,359.25 | $3,295.07 | 9.214% | $1,165.66 | $1,165.66 | 8.990% | No | No | Self-Employed | US Citizen | $4,809.83 | 1 | [redacted] | $1,557.96 | [redacted] | $129.83 | 40.166% | 40.166% | 40.166% | [Redacted] | 654 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 24mo Bank Statement | 1 | 0 | 0 | [redacted] | $2,359.25 | 6.840% | $0.00 | 1.0 | None | No | No | 8.990% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | [redacted] | $7,694.97 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 5.66 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226589908 | [Redacted] | [Redacted] | N/A | No | No | $12,875.00 | $15,640.11 | 8.906% | $4,192.29 | $4,192.29 | 8.625% | No | No | Not Employed | Non-Employment Income | Not Employed | Not Employed | 0 | 0 | US Citizen | $105,075.45 | 1 | [redacted] | $2,328.00 | [redacted] | $194.00 | 0.000% | 0.000% | 0.000% | [Redacted] | 723 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other Documentation (O) | Asset Depletion (No DTI) | 0 | 0 | 0 | [redacted] | $12,875.00 | 7.050% | $0.00 | 3.4 | None | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | [redacted] | $7,866,189.05 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | LLC | Business Entity | Trust | Business Entity | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 1537.46 | No | No | $129,468.52 | $0.00 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226590075 | [Redacted] | [Redacted] | N/A | No | No | $1,357.98 | $1,357.98 | 7.375% | No | No | US Citizen | 4 | [redacted] | $1,952.04 | [redacted] | $162.67 | 0.000% | 0.000% | 0.000% | [Redacted] | 808 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.86 | 0.34 | [redacted] | $24,987.03 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 13.17 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226590431 | [Redacted] | [Redacted] | N/A | No | No | $1,394.93 | $1,394.93 | 7.500% | No | No | US Citizen | 1 | [redacted] | $1,047.00 | [redacted] | $87.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 757 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [redacted] | $129,516.21 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 99.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226590496 | [Redacted] | [Redacted] | N/A | No | No | $1,594.58 | $1,594.58 | 6.990% | No | No | US Citizen | 2 | [redacted] | $1,097.04 | [redacted] | $91.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 748 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.8 | [redacted] | $18,057.33 | 6.020% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14.52 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226592317 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,490.00 | $11,459.29 | 7.799% | $4,223.76 | $4,223.76 | 7.625% | No | No | Self-Employed | US Citizen | $7,401.12 | 1 | [redacted] | $5,750.04 | [redacted] | $479.17 | 39.425% | 39.425% | 39.425% | [Redacted] | 728 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,490.00 | 7.370% | $0.00 | 1.6 | None | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | [redacted] | $0.00 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 119.29 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226592352 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,790.00 | $8,530.18 | 7.907% | $8,990.63 | $9,933.45 | 7.875% | No | No | Employed | Employed | US Citizen | US Citizen | $17,184.19 | 1 | [redacted] | $4,121.28 | [redacted] | $343.44 | 43.881% | 40.802% | 43.881% | [Redacted] | 797 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Other - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,790.00 | 7.090% | $0.00 | 3.3 | None | No | No | 7.875% | 2 | 2 | 0 | 0 | 3 | 0 | 0.00 | No | 360 | [redacted] | $1,482,897.22 | 57.920% | No | 33 | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 118.99 | Yes | No | $0.00 | $13,145.49 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226592379 | [Redacted] | [Redacted] | N/A | No | No | $2,175.21 | $2,175.21 | 7.875% | No | No | US Citizen | 1 | [redacted] | $460.56 | [redacted] | $38.38 | 0.000% | 0.000% | 0.000% | [Redacted] | 719 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.97 | [redacted] | $298,906.64 | 65.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.38 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226592387 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,894.00 | $3,107.56 | 8.057% | $1,087.60 | $1,087.60 | 7.875% | No | No | Employed | US Citizen | $3,656.25 | 1 | [redacted] | $2,520.96 | [redacted] | $210.08 | 41.875% | 41.875% | 41.875% | [Redacted] | 779 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Borrower - | Primary Income - Wages]; Year End Summary - 2025 [Borrower - | Primary Income - Wages]; Paystubs - 2024 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower - | Primary Income - Wages]; Paystubs - 2023 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,894.00 | 7.090% | $0.00 | 1.0 | None | No | No | 7.875% | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $320,148.22 | 88.930% | No | 30 | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 49.72 | Yes | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226593061 | [Redacted] | [Redacted] | N/A | No | No | $648.60 | $648.60 | 6.750% | No | No | US Citizen | US Citizen | 2 | [redacted] | $1,573.08 | [redacted] | $131.09 | 0.000% | 0.000% | 0.000% | [Redacted] | 781 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.57 | 0.38 | [redacted] | $426,937.85 | 91.810% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 39.28 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226593063 | [Redacted] | [Redacted] | N/A | No | No | $1,831.84 | $1,831.84 | 6.990% | No | No | 0 | 0 | Foreign National | Not Provided | Not Provided | 1 | [redacted] | $746.04 | [redacted] | $62.17 | 0.000% | 0.000% | 0.000% | [Redacted] | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.4 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.93 | [redacted] | $18,400.00 | 5.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | Yes | No | 22.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226593069 | [Redacted] | [Redacted] | N/A | No | No | $2,046.53 | $2,046.53 | 7.250% | No | No | US Citizen | 2 | [redacted] | $2,247.00 | [redacted] | $187.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 783 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.9 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 63.63 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226593510 | [Redacted] | [Redacted] | N/A | No | No | $1,404.17 | $1,404.17 | 7.750% | No | No | US Citizen | US Citizen | 1 | [redacted] | $684.96 | [redacted] | $57.08 | 0.000% | 0.000% | 0.000% | [Redacted] | 775 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | [redacted] | $175,079.74 | 62.520% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 39.81 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226593554 | [Redacted] | [Redacted] | N/A | No | No | $3,340.79 | $3,340.79 | 7.625% | No | No | Non-Permanent Resident Alien | 1 | [redacted] | $1,777.80 | [redacted] | $148.15 | 0.000% | 0.000% | 0.000% | [Redacted] | 754 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.07 | 0.48 | [redacted] | $203,759.28 | 34.530% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.8 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226593569 | [Redacted] | [Redacted] | Non QM | Yes | No | $15,828.17 | $19,528.37 | 7.773% | $4,726.70 | $4,726.70 | 7.500% | No | No | Self-Employed | US Citizen | $8,834.13 | 1 | [redacted] | $2,438.04 | [redacted] | $203.17 | 41.305% | 41.305% | 41.305% | [Redacted] | 741 | No | No | Third Party Prepared | [Borrower - | Primary Income - P&L Statement Only]; CPA Letter - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; Other - 2026 [Borrower - | Primary Income - P&L Statement Only]; P&L Statement - 2026 [Borrower - | Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2026 [Borrower - | Primary Income - P&L Statement Only]; Third Party Verification - 2026 |
Alternative Documentation (A) | 1yr P&L w/o Bank Statements | 0 | 0 | 0 | [redacted] | $15,828.17 | 7.490% | $65,000.00 | 1.0 | None | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | [redacted] | $147,320.49 | 17.430% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | 6.04 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226593639 | [Redacted] | [Redacted] | Non QM | Yes | No | $17,501.74 | $20,238.47 | 8.836% | $4,682.14 | $4,682.14 | 8.500% | No | No | Self-Employed | US Citizen | $25,988.90 | 1 | [redacted] | $2,641.80 | [redacted] | $220.15 | 30.431% | 30.431% | 30.431% | [Redacted] | 609 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2013 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $17,501.74 | 7.090% | $0.00 | 1.9 | None | No | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $86,000.00 | 9.880% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 157.44 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226593649 | [Redacted] | [Redacted] | Non QM | Yes | No | $4,991.75 | $20,693.08 | 7.678% | $4,510.11 | $4,510.11 | 7.375% | No | No | Self-Employed | US Citizen | $19,815.09 | 1 | [redacted] | $3,689.76 | [redacted] | $307.48 | 29.210% | 29.210% | 29.210% | [Redacted] | 747 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $4,991.75 | 7.370% | $11,000.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $4,105.29 | 0.430% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 5.03 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | D | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226593651 | [Redacted] | [Redacted] | Non QM | Yes | No | $2,090.00 | $10,248.68 | 8.506% | $23,067.40 | $23,067.40 | 8.500% | No | No | Self-Employed | US Citizen | $64,775.62 | 1 | [redacted] | $7,758.96 | [redacted] | $646.58 | 30.660% | 30.660% | 30.660% | [Redacted] | 734 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $2,090.00 | 7.370% | $0.00 | 1.0 | None | Yes | No | 8.500% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $1,359,615.72 | 35.080% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | FICO Risk Score Classic 04 | 16.74 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | D | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226593665 | [Redacted] | [Redacted] | N/A | No | No | $1,196.34 | $1,196.34 | 6.990% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | [redacted] | $1,496.88 | [redacted] | $124.74 | 0.000% | 0.000% | 0.000% | [Redacted] | 769 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.5 | No | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.72 | [redacted] | $7,369.18 | No | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 115.94 | No | $0.00 | $0.00 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226594543 | [Redacted] | [Redacted] | Non QM | Yes | No | $5,795.00 | $10,711.95 | 7.917% | $4,155.19 | $4,155.19 | 7.750% | No | No | Employed | Employed | US Citizen | US Citizen | $12,013.88 | 1 | [redacted] | $2,069.04 | [redacted] | $172.42 | 49.969% | 49.969% | 49.969% | [Redacted] | 782 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2026 [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 - 2024 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $5,795.00 | 7.370% | $1,000.00 | 2.1 | None | No | No | 7.750% | 2 | 1 | 1 | 0 | 2 | 1 | 0.00 | No | [redacted] | $689,235.31 | 95.060% | No | 33 | 21 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 99.59 | Yes | No | $0.00 | $16,666.69 | No | No | No | No | 6 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226594699 | [Redacted] | [Redacted] | N/A | No | No | $3,210.17 | $3,210.17 | 6.990% | No | No | US Citizen | 1 | [redacted] | $1,727.76 | [redacted] | $143.98 | 0.000% | 0.000% | 0.000% | [Redacted] | 768 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | [redacted] | $428,054.30 | 66.460% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 60.46 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226603767 | [Redacted] | [Redacted] | N/A | No | No | $870.08 | $870.08 | 7.875% | No | No | 0 | 0 | US Citizen | US Citizen | US Citizen | 1 | [redacted] | $518.40 | [redacted] | $43.20 | 0.000% | 0.000% | 0.000% | [Redacted] | 800 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 3.2 | N/A | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.83 | [redacted] | $88,771.86 | No | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 199.92 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226603819 | [Redacted] | [Redacted] | N/A | No | No | $1,484.66 | $1,484.66 | 6.875% | No | No | US Citizen | 1 | [redacted] | $1,443.96 | [redacted] | $120.33 | 0.000% | 0.000% | 0.000% | [Redacted] | 803 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.5 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.81 | [redacted] | $80,881.32 | 20.950% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 50.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226604079 | [Redacted] | [Redacted] | N/A | No | No | $1,263.41 | $1,263.41 | 7.625% | No | No | US Citizen | 1 | [redacted] | $862.08 | [redacted] | $71.84 | 0.000% | 0.000% | 0.000% | [Redacted] | 718 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 5.0 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.82 | [redacted] | $0.00 | No | Yes | Commitment | Leasehold | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 24.56 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226604158 | [Redacted] | [Redacted] | N/A | No | No | $4,752.40 | $13,449.22 | 6.332% | $2,146.49 | $2,146.49 | 5.990% | No | No | Employed | Not Employed | US Citizen | US Citizen | $15,929.91 | 1 | [redacted] | $1,584.00 | [redacted] | $132.00 | 35.204% | 35.204% | 35.204% | [Redacted] | 793 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $4,752.40 | 7.370% | $0.00 | 2.6 | None | Yes | No | 5.990% | 0 | 0 | 0 | 0 | 2 | 2 | 0.00 | No | [redacted] | $611,744.60 | 100.000% | No | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 149.29 | No | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226604257 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,497.50 | $5,884.27 | 9.622% | $3,367.62 | $3,367.62 | 9.500% | No | No | Self-Employed | US Citizen | $9,523.53 | 1 | [redacted] | $3,360.00 | [redacted] | $280.00 | 34.181% | 34.181% | 34.181% | [Redacted] | 702 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2026 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2026 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2025 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 1yr 1099 | 0 | 0 | 0 | [redacted] | $7,497.50 | 7.050% | $13,850.00 | 2.4 | None | Yes | No | 9.500% | 0 | 0 | 0 | 2 | 0 | 8.47 | No | [redacted] | $52,723.16 | 11.840% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 14 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226604508 | [Redacted] | [Redacted] | N/A | No | No | $1,113.68 | $1,113.68 | 7.990% | No | No | US Citizen | 1 | [redacted] | $1,158.12 | [redacted] | $96.51 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.6 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.76 | [redacted] | $95,628.04 | 50.350% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 28.5 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226605105 | [Redacted] | [Redacted] | N/A | No | No | $777.79 | $777.79 | 8.625% | No | No | US Citizen | 1 | [redacted] | $1,521.96 | [redacted] | $126.83 | 0.000% | 0.000% | 0.000% | [Redacted] | 752 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 208.19 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226605163 | [Redacted] | [Redacted] | N/A | No | No | $4,511.72 | $4,511.72 | 8.750% | No | No | 0 | US Citizen | US Citizen | 2 | [redacted] | $1,545.00 | [redacted] | $128.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 736 | 744 | 676 | 736 | Level 4-Stated/Verified as defined | No | No | DSCR | 1 | 0 | 0 | No | [redacted] | $0.00 | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.89 | 240 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 7 | No | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226605496 | [Redacted] | [Redacted] | N/A | No | No | $30,027.00 | $9,183.39 | 7.813% | $3,199.23 | $3,199.23 | 7.625% | No | No | Not Employed | Self-Employed | Self-Employed | 6.75 | US Citizen | US Citizen | $17,090.26 | 1 | [redacted] | $1,749.96 | [redacted] | $145.83 | 31.985% | 31.985% | 31.985% | [Redacted] | 771 | 771 | 759 | 788 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Yes | No | [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2025 [Coborrower(s) - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Balance Sheet - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2025 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2024 |
[Coborrower]; 1040 - 2025 [Coborrower]; 4506-C - 2025 [Coborrower]; Transcripts (1040) - 2025 [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $30,027.00 | 7.050% | $0.00 | None | Yes | No | 7.625% | 0 | 0 | 2 | 0 | 2 | 2 | 0.00 | No | Other | [redacted] | $2,044,117.67 | 100.000% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 477.1 | No | No | $25,127.19 | $0.00 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226606193 | [Redacted] | [Redacted] | N/A | No | No | $1,735.25 | $1,735.25 | 8.500% | No | No | Permanent Resident Alien | 1 | [redacted] | $1,500.24 | [redacted] | $125.02 | 0.000% | 0.000% | 0.000% | [Redacted] | 693 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.98 | [redacted] | $158,565.43 | 52.690% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 35.49 | Yes | 8.500% | 30 | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226606198 | [Redacted] | [Redacted] | N/A | No | No | $4,229.70 | $4,229.70 | 7.750% | No | No | US Citizen | 1 | [redacted] | $4,673.04 | [redacted] | $389.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 721 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.4 | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.8 | [redacted] | $253,623.41 | 34.360% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 19.29 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | AE | $250,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226606213 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,490.00 | $4,048.83 | 7.078% | $2,761.01 | $2,761.01 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $18,799.18 | 1 | [redacted] | $1,263.00 | [redacted] | $105.25 | 18.560% | 18.560% | 18.560% | [Redacted] | 765 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2024 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $1,490.00 | 7.050% | $254,084.80 | 1.0 | None | Yes | No | 7.000% | 1 | 2 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $688,796.92 | 64.670% | No | 14 | 33 | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 70.62 | No | $0.00 | $6,929.18 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226606214 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $6,400.98 | 8.393% | $11,401.08 | $11,401.08 | 8.375% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $37,571.57 | 1 | [redacted] | $10,056.84 | [redacted] | $838.07 | 37.773% | 37.773% | 37.773% | [Redacted] | 773 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $1,890.00 | 7.050% | $0.00 | 3.2 | None | No | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $19,462,151.61 | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 1253.36 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226606217 | [Redacted] | [Redacted] | N/A | No | No | $19,365.00 | $4,191.28 | 7.573% | $2,135.02 | $2,359.15 | 7.887% | No | No | Not Employed | Employed | Employed | 12.79 | US Citizen | US Citizen | $53,355.48 | 1 | [redacted] | $2,990.04 | [redacted] | $249.17 | 18.972% | 19.243% | 18.972% | [Redacted] | 771 | 757 | 771 | 771 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2026 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2026 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2025 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2024 |
[Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $19,365.00 | 6.370% | $0.00 | 1.0 | None | No | No | 7.887% | 0 | 3 | 0 | 0 | 2 | 0 | 0.00 | No | [redacted] | $2,613,548.81 | 100.000% | No | 32 | 32 | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 540.62 | No | No | $0.00 | $65,848.20 | No | No | No | No | 3 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226620627 | [Redacted] | [Redacted] | N/A | No | No | $1,862.71 | $1,862.71 | 7.500% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $1,162.20 | [redacted] | $96.85 | 0.000% | 0.000% | 0.000% | [Redacted] | 762 | 650 | 612 | 638 | Level 1-Not Stated/Not Verified | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.64 | [redacted] | $228,056.49 | 68.480% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 87.08 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226620986 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,390.00 | $3,891.43 | 7.786% | $4,585.04 | $4,585.04 | 7.750% | No | No | Self-Employed | Non-Employment Income | US Citizen | US Citizen | $8,333.89 | 1 | [redacted] | $2,475.00 | [redacted] | $206.25 | 47.588% | 47.588% | 47.588% | [Redacted] | 739 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2025 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2025 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Borrower - | Non-Primary Income - Trust Income]; Account Statements - 2026 [Borrower - | Non-Primary Income - Trust Income]; Trust Agreement - 2025 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2025 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) - | Non-Primary Income - Disability]; Account Statements - 2026 [Coborrower(s) - | Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2024 |
[Borrower]; 1040 - 2025 [Borrower]; 4506-C - 2025 [Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,390.00 | 7.090% | $1,500.00 | 1.0 | None | No | No | 7.750% | 2 | 0 | 2 | 0 | 2 | 0 | 9.03 | No | [redacted] | $2,347,215.14 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individually and as Trustee | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 388.8 | No | $3,555.53 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226621379 | [Redacted] | [Redacted] | N/A | No | No | $2,431.27 | $2,431.27 | 7.625% | No | No | US Citizen | 3 | [redacted] | $6,131.04 | [redacted] | $510.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 773 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.69 | [redacted] | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 21.59 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226621745 | [Redacted] | [Redacted] | Non QM | Yes | No | $1,890.00 | $4,628.04 | 7.905% | $5,971.88 | $7,540.96 | 7.875% | No | No | Non-Employment Income | US Citizen | $23,919.56 | 1 | [redacted] | $1,394.64 | [redacted] | $116.22 | 36.059% | 31.865% | 36.059% | [Redacted] | 776 | Yes | No | [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | Retirement Income - Fully Verified | 0 | 0 | 0 | [redacted] | $1,890.00 | 7.370% | $0.00 | 1.8 | None | No | No | 7.875% | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | 240 | [redacted] | $3,376,965.52 | 100.000% | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 400.24 | No | No | $0.00 | $0.00 | No | No | No | No | 1 | 240 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226621752 | [Redacted] | [Redacted] | N/A | No | No | $2,755.09 | $2,755.09 | 7.625% | No | No | US Citizen | 1 | [redacted] | $1,046.04 | [redacted] | $87.17 | 0.000% | 0.000% | 0.000% | [Redacted] | 797 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.16 | [redacted] | $460,357.61 | 88.700% | No | Yes | Final | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 72.22 | No | $0.00 | $0.00 | No | No | No | No | 3 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226621842 | [Redacted] | [Redacted] | Non QM | Yes | No | $7,553.40 | $9,425.24 | 7.933% | $3,484.63 | $3,484.63 | 7.750% | No | No | Non-Employment Income | Not Employed | US Citizen | US Citizen | $13,520.26 | 1 | [redacted] | $2,125.20 | [redacted] | $177.10 | 26.153% | 26.153% | 26.153% | [Redacted] | 792 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2025 [Coborrower]; 4506-C - 2024 |
Other Documentation (O) | Asset Depletion | 0 | 0 | 0 | [redacted] | $7,553.40 | 7.050% | $0.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 2 | 0 | 0.00 | No | Other | [redacted] | $1,725,878.68 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 327.64 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226621893 | [Redacted] | [Redacted] | N/A | No | No | $718.47 | $718.47 | 8.875% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $2,781.00 | [redacted] | $231.75 | 0.000% | 0.000% | 0.000% | [Redacted] | 743 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 2.7 | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.85 | [redacted] | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 79.32 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226621903 | [Redacted] | [Redacted] | N/A | No | No | $3,646.60 | $4,697.63 | 8.460% | $903.14 | $915.95 | 8.139% | No | No | Employed | US Citizen | $16,805.20 | 1 | [redacted] | $953.04 | [redacted] | $79.42 | 26.819% | 27.461% | 26.819% | [Redacted] | 781 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2026 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2026 |
[Borrower]; 4506-C - 2025 [Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available |
Alternative Documentation (A) | 12mo Bank Statement | 0 | 0 | 0 | [redacted] | $3,646.60 | 6.370% | $8,199.96 | 1.0 | None | No | No | 8.139% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | [redacted] | $52,551.70 | 34.120% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | Yes | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 26.05 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226622152 | [Redacted] | [Redacted] | N/A | No | No | $2,444.69 | $9,126.23 | 8.302% | $2,215.05 | $2,215.05 | 8.000% | No | No | Employed | US Citizen | $6,122.91 | 2 | [redacted] | $3,071.64 | [redacted] | $255.97 | 39.685% | 39.685% | 39.685% | [Redacted] | 773 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2026 [Borrower - | Primary Income - Wages]; VVOE - 2026 [Borrower - | Primary Income - Wages]; W-2 - 2025 [Borrower - | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026 |
[Borrower]; 1040 - 2025 [Borrower]; Transcripts (1040) - 2025 [Borrower]; 1084 or income worksheet - Year Not Available |
Full Documentation (F) | 2yr Full Doc | 0 | 0 | 0 | [redacted] | $2,444.69 | 7.370% | $10,000.00 | None | Yes | No | 8.000% | 1 | 1 | 0 | 0 | 1 | 0.00 | No | [redacted] | $104,577.78 | 12.990% | No | Yes | Preliminary | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 10.8 | No | No | $0.00 | $0.00 | No | No | No | No | 2 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226623310 | [Redacted] | [Redacted] | N/A | No | No | $1,229.65 | $1,229.65 | 8.500% | No | No | 0 | US Citizen | US Citizen | 1 | [redacted] | $851.04 | [redacted] | $70.92 | 0.000% | 0.000% | 0.000% | [Redacted] | 790 | 790 | 783 | 792 | Level 4-Stated/Verified as defined | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | Yes | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.96 | [redacted] | $18,271.15 | 9.140% | No | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual | Yes | Business Entity | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 21.13 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | X-500 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226626124 | [Redacted] | [Redacted] | N/A | No | No | $1,113.75 | $1,113.75 | 8.125% | No | No | US Citizen | 1 | [redacted] | $2,356.08 | [redacted] | $196.34 | 0.000% | 0.000% | 0.000% | [Redacted] | 714 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.5 | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.72 | [redacted] | $49,772.08 | No | Yes | Preliminary | Fee Simple | Individual | Individually and as Trustee | No | Individually and as Trustee | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 79.05 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226627392 | [Redacted] | [Redacted] | N/A | No | No | $962.37 | $962.37 | 8.250% | No | No | US Citizen | 1 | [redacted] | $3,807.00 | [redacted] | $317.25 | 0.000% | 0.000% | 0.000% | [Redacted] | 659 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.0 | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 0.99 | [redacted] | $106,523.78 | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | No | 105.21 | No | $0.00 | $0.00 | No | No | No | No | 1 | 360 | X | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 226627547 | [Redacted] | [Redacted] | N/A | No | No | $2,941.43 | $2,941.43 | 7.990% | No | No | US Citizen | 1 | [redacted] | $1,205.04 | [redacted] | $100.42 | 0.000% | 0.000% | 0.000% | [Redacted] | 758 | No | No | DSCR | 0 | 0 | 0 | No | [redacted] | $0.00 | 1.4 | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.79 | 1.26 | [redacted] | $1,101,450.68 | 100.000% | No | Yes | Commitment | Fee Simple | Individual | Individual | No | Individual | No | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | 254.44 | No | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | X |