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.5 Schedule 9

 

ASF Addendum - Business Purpose
Run Date - 9/16/2022
Marketing ID Recovco Loan ID Loan #1 Loan #2 Loan #3 Seller Name Originator Name Guideline Author Guideline Name Guideline Date Executed NOO Docs in File Lease In Place Flag Actual In Place Rent Third Party Market Rent Estimate Third Party Rent Source Rental Source for Property DTI Calculation DSCR PITIA Lease End Date Original Lease Term Rent Loss Insurance Rent Loss Insurance Amount HOA Flag HOA Monthly Premium Amount Monthly Property Tax Monthly Insurance Cost Cross Collateralized Flag Number of Mortgaged Properties Number of Properties Foreign National Alternative Credit Documentation Foreign National Guarantor 1 Foreign National Guarantor 2 Investor Type Number of Years Property Owned Borrower Residency Status Co Borrower Residency Status Qualifying Credit Score Months Bankruptcy 7 11 Months Short Sale or Pre FC Prior Mtg Rent Late 30d in 12m Prior Mtg Rent Late 60d in 12m Prior Mtg Rent Late 90d in 12m Prior Mtg Rent Late 30d in 24m Prior Mtg Rent Late 60d in 24m Prior Mtg Rent Late 90d in 24m Section 8 Street Address Borrower 1 Type Borrower 1 Designation Borrower 1 First Name Borrower 1 Last Name Borrower 2 Type Borrower 2 First Name Borrower 2 Last Name Borrower 2 Self Employment Flag Borrower 3 First Name Borrower 3 Last Name Borrower 3 Residency Status Borrower 3 Self Employment Flag Borrower 3 OriginalFICO:Equifax Borrower 3 OriginalFICO:Experian Borrower 3 OriginalFICO:TransUnion Borrower 4 First Name Borrower 4 Last Name Borrower 4 Residency Status Borrower 4 Self Employment Flag Borrower 4 OriginalFICO:Equifax Borrower 4 OriginalFICO:Experian Borrower 4 OriginalFICO:TransUnion Personal Guarantee Guarantor 1 First Name Guarantor 1 Last Name Guarantor 1 Citizenship Guarantor 1 Experian FICO Guarantor 1 Equifax FICO Guarantor 1 Trans Union FICO Guarantor 2 First Name Guarantor 2 Last Name Guarantor 2 Citizenship Guarantor 2 Experian FICO Guarantor 2 Equifax FICO Guarantor 2 Trans Union FICO Borrower 1 Employment Status Borrower 2 Employment Status Loan Application Date Sales Contract Date Qualifying Home Value for LTV Number of Units Year Built Total Sq Ft Number of Bedrooms Number of Bathrooms Property Condition Acquisition Cost Renovation Cost Effective Gross Income
900001006 XX XX XX XX Smart Vest XX Yes No $1,350.00 1004 / 70 Third Party Rental Source 1.173% $1,151.01 No No $80.83 $55.58 No 3 7 No No 0.6 0 0 0 No XX Limited Liability Corp (LLC) XX Yes XX XX US Citizen 765 704 768 XX XX 1 XX XX 3 2 C-3 $0.00 $0.00
900001004 XX XX XX XX SmartSelf v21.8 XX $3,357.77 No $0.00 $603.42 $124.92 No 1 US Citizen US Citizen 669 0 0 0 XX Individual XX Individual XX XX Employed Unemployed XX XX 1 XX XX 4 2.1 C-3 XX $0.00 $15,635.99
900001023 XX XX XX XX Smart Self v21.8 XX $3,359.59 No $0.00 $472.75 $131.58 No 1 US Citizen 683 0 0 0 XX Individual XX Employed XX XX 1 XX XX 4 2.1 Average XX $0.00 $17,479.61
900001019 XX XX XX XX SMART_SELF XX $5,054.62 No $343.00 $320.64 $579.67 No 1 US Citizen 666 0 0 0 XX Individual XX Employed XX XX 1 XX XX 5 2.1 C-3 XX $0.00 $53,541.00
900001003 XX XX XX XX Smart Edge v 21.8 XX $2,402.69 No $215.00 $431.55 $26.08 No 1 US Citizen 744 0 0 0 XX Individual XX Employed XX XX 1 XX XX 2 2.1 C-3 XX $0.00 $8,958.34
900000986 XX XX XX XX SMART_VEST XX Yes Yes $6,000.00 $6,500.00 1004 / 70 Rent On Existing Lease 1.226% $4,893.32 08/01/2020 1 No No $569.09 $144.08 No 3 3 No 4 US Citizen 0 0 0 0 0 0 No XX Individual XX XX XX XX 1 XX XX 5 3 C-4 $0.00 $0.00
900001008 XX XX XX XX SMART_EDGE XX $1,427.87 Yes $13,500.00 $0.00 $183.45 $93.25 No 4 US Citizen US Citizen 759 0 0 0 XX Individual XX Individual XX XX Employed Employed XX XX 1 XX XX 1 1 C-3 XX $0.00 $12,020.10
900000989 XX XX XX XX SMART_EDGE XX $6,521.36 No $11.50 $922.21 $293.25 No 1 US Citizen 726 1 0 0 XX Individual XX Employed XX XX 1 XX XX 5 4.1 C-3 XX $0.00 $21,083.33
900001007 XX XX XX XX SMART_VEST XX Yes No $3,300.00 1004 / 70 Third Party Rental Source 1.016% $3,246.84 No No $895.83 $161.42 No 5 5 No 0.1 US Citizen 0 0 0 0 0 0 No XX Individual XX XX XX XX 1 XX XX 3 3 C-4 $0.00 $0.00
900001013 XX XX XX XX SMART_VEST XX Yes No $2,300.00 1004 / 70 Third Party Rental Source 1.000% $2,299.63 Yes $27,500.00 No $248.11 $229.84 No 2 28 No US Citizen 0 0 0 0 0 0 No XX Individual XX XX XX XX 1 XX XX 3 2 C-4 XX $0.00 $0.00
900001012 XX XX XX XX SMART_VEST XX Yes No $2,150.00 1004 / 70 Third Party Rental Source 1.129% $1,904.42 No No $116.34 $232.12 No 2 28 No US Citizen 0 0 0 0 0 0 No XX Individual XX XX XX XX 1 XX XX 2 2 C-4 XX $0.00 $0.00
900000991 XX XX XX XX Smary Edge v21.8 XX $5,342.38 No $0.00 $162.84 $133.42 No 2 US Citizen US Citizen 791 0 0 0 XX Individual XX Individual XX XX Employed Retired XX XX 1 XX XX 5 2.1 C-4 $0.00 $13,987.07
900001015 XX XX XX XX SMART_VEST XX Yes No $5,500.00 1004 / 70 Third Party Rental Source 3.670% $1,498.67 Yes $17,042.00 No $334.03 $101.00 No 4 6 No No 5.7 0 0 0 0 0 0 No XX Limited Liability Corp (LLC) XX Yes XX XX US Citizen 745 728 742 XX XX 1 XX XX 3 1 C-2 $0.00 $0.00
900001014 XX XX XX XX SMART_VEST XX Yes No $4,000.00 1004 / 70 Third Party Rental Source 3.379% $1,183.68 Yes $1.00 No $224.67 $53.53 No 4 6 No 4 US Citizen US Citizen 0 0 0 0 0 0 No XX Individual XX XX Individual XX XX XX XX 1 XX XX 2 1 C-2 $0.00 $0.00
900001018 XX XX XX XX SMART_VEST XX Yes No $2,400.00 1004 / 70 Third Party Rental Source 1.004% $2,390.69 Yes $20,000.00 Yes $58.33 $598.27 $53.75 No 5 5 No US Citizen 0 0 0 0 0 0 No XX Individual XX XX XX XX 1 XX XX 3 2 C-1 XX $0.00 $0.00
900000988 XX XX XX XX Smart Edge v21.8 XX $1,826.05 No $0.00 $280.87 $136.33 No 1 US Citizen 783 0 0 0 XX Individual XX Employed XX XX 1 XX XX 4 3.1 C-4 XX $0.00 $4,021.52
900000987 XX XX XX XX SMART_SELF XX $2,132.51 $627.00 $320.07 $97.00 No 1 US Citizen 754 0 0 0 XX Individual XX Employed XX XX 1 XX XX 1 1.1 C-3 $0.00 $22,055.95
900000985 XX XX XX XX SMART_EDGE XX $5,186.42 No $800.00 $597.62 $0.00 No 2 US Citizen 715 0 0 0 XX Individual XX Retired XX XX 1 XX XX 2 2.1 C-2 XX $0.00 $0.00
900001025 XX XX XX XX SMART_EDGE XX $7,921.53 No $100.00 $239.25 $184.08 No 1 US Citizen 775 0 0 0 XX Individual XX Employed XX XX 1 XX XX 4 3.1 C-3 XX $0.00 $20,416.67
900001024 XX XX XX XX Smart Edge v21.8 XX $6,456.10 No $47.67 $1,040.05 $374.17 No 1 US Citizen 773 0 0 0 XX Individual XX Employed XX XX 1 XX XX 3 2.1 C-3 $0.00 $80,713.25
900000994 XX XX XX XX SMART_VEST XX Yes Yes $2,966.00 $4,200.00 1025 / 216 Rent On Existing Lease 1.811% $1,638.05 07/01/2022 1 No No $335.72 $119.25 No 3 3 No No No 9 0 0 0 0 0 0 No XX Limited Liability Corp (LLC) XX Yes XX XX US Citizen 792 813 793 XX XX US Citizen 804 812 809 XX XX 3 XX XX 5 3 C-4 $0.00 $0.00
900000997 XX XX XX XX SMART_EDGE XX $2,417.78 Yes $47,100.00 $0.00 $288.09 $108.83 No 15 Non-Resident Alien 766 0 0 0 XX Individual XX Employed XX XX 2 XX XX 6 4.1 Good XX $0.00 $25,856.53
900001011 XX XX XX XX SMART_VEST XX Yes No $2,400.00 1004 / 70 Third Party Rental Source 1.126% $2,130.50 Yes $27,180.00 No $201.19 $157.25 No 3 29 No US Citizen 0 0 0 0 0 0 No XX Individual XX XX XX XX 1 XX XX 3 2 C-4 XX $0.00 $0.00
900001030 XX XX XX XX Smart Edge v21.8 XX $2,385.82 No $0.00 $281.08 $108.83 No 15 US Citizen 766 0 0 0 XX Individual XX Employed XX XX 2 XX 6 4.2 XX $0.00 $25,186.10
900001029 XX XX XX XX Smart Edge v21.8 XX $2,018.59 No $0.00 $288.09 $108.83 No 15 US Citizen 766 0 0 0 XX Individual XX Employed XX XX 2 XX XX 6 4.2 Average XX $0.00 $25,186.10
900001010 XX XX XX XX SMART_VEST XX Yes Yes $4,121.10 $5,400.00 1004 / 70 Rent On Existing Lease 3.440% $1,197.96 Yes $36,700.00 No $186.10 $62.33 No 3 9 No No 9 0 0 0 0 0 0 No XX Limited Liability Corp (LLC) XX Yes XX XX US Citizen 745 728 742 XX XX 1 XX XX 3 2 C-3 $0.00 $0.00
900000984 XX XX XX XX SMART_EDGE - 30 Yr Fixed IO XX $3,139.89 No $0.00 $749.95 $152.13 No 5 US Citizen 687 0 0 0 XX Inter-Vivos Revocable Trust XX Employed XX XX 1 XX XX 3 2.1 C-3 $0.00 $42,823.39
900000992 XX XX XX XX SMART_SELF XX $1,062.88 No $0.00 $191.71 $91.33 No 1 US Citizen 748 0 0 0 XX Individual XX Employed XX XX 1 XX XX 3 1.1 C-4 $0.00 $2,473.51
900000990 XX XX XX XX SMART_VEST XX Yes Yes $2,100.00 $2,100.00 1004 / 70 Rent On Existing Lease 1.144% $1,835.56 Yes $1.00 No $590.78 $84.67 No 4 4 No No 0 0 0 0 0 0 No XX Limited Liability Corp (LLC) XX Yes XX XX US Citizen 662 718 689 XX XX 1 XX XX 3 2 C-4 XX $0.00 $0.00
900000999 XX XX XX XX SmartSelf V21.8 XX $4,618.44 No $618.00 $129.41 $31.33 No 1 US Citizen 786 0 0 0 XX Individual XX Employed XX XX 1 XX XX 3 2 C-3 XX $0.00 $28,394.90
900000996 XX XX XX XX SMART_EDGE XX $1,821.04 Yes $32,000.00 $0.00 $247.78 $76.33 No 15 Non-Resident Alien 766 0 0 0 XX Individual XX Employed XX XX 2 XX XX 4 2 Good XX $0.00 $25,856.53
900000998 XX XX XX XX SMART_EDGE XX $2,438.77 Yes $51,500.00 $0.00 $327.78 $115.08 No 15 Non-Resident Alien 766 0 0 0 XX Individual XX Employed XX XX 2 XX XX 4 4 Good XX $0.00 $25,856.53
900000993 XX XX XX XX SMART_SELF XX $1,212.67 No $33.33 $7.00 $53.58 No 1 US Citizen 678 0 0 0 XX Individual XX Employed XX XX 1 XX XX 2 2 C-3 $0.00 $9,219.63