Please wait

.6 Schedule 2

 

Client Name: Rithm Capital Corp                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          
Client Project Name: NRMLT 2026-NQM1                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          
Start - End Dates: 5/5/2022 - 9/16/2022                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          
Deal Loan Count: 314                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 
ATR QM Upload                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 
Loans in Report: 314                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          
Marketing ID Loan Number Deal Seller Loan Number Original Principal Balance State Loan Level ATR/QM Status Verification Safe Harbor (VSH)? Lender Provided ATR/QM Worksheet Initial Lender ATR/QM Status Application Date Borrower 1 Citizenship Borrower 2 Citizenship Borrowers Qualified Through a Non-Resident Alien Program Occupancy Property Type Number of Units Loan Type Exempt Loan Product Type Exempt Loan Housing Agency Community Housing Development Credit Under Economic Stabilization Act Of 2008 Refinance Of Non-Standard Mortgage Higher Priced Covered Transaction State Prepay Exceptions Loan Purpose Loan Term Exceeds 30 Years Interest Only Feature Negative Amortization Balloon Payment Prepay Penalty Flag Prepayment Penalty Type Prohibited Prepayment Penalty Exceeds Points And Fees Exceeds DTI Limit Lien Position APR QM Calculated DTI Adherence QM Lenders DTI Adherence QM Fee Adherence - Total Charges % QM Fee Adherence - Lenders Fee % Fannie Mae Eligible Freddie Mac Eligible VA Guaranty Eligible FHA Insured Eligible USDA Guarantee Eligible Rural Housing Service Insured Eligible QM - Expected Income Or Assets For DTI QM - Current Employment Status For DTI QM - Monthly Payment On Subject Loan For DTI QM - Monthly Payment On Additional Loan For DTI QM - Monthly Payment Mortgage Related Obligations QM - Current Debt Obligations Alimony and Child Support for DTI QM - Monthly DTI Ratio Or Residual Income One or more Verification Safe Harbor Guidelines used? Current/Reasonably Expected Income or Assets per Guideline used? Current Debt Obligations, Alimony & Child Support per Guideline used? Monthly DTI (includes monthly payment on subject loan and simultaneous loans) Monthly Residual Income per guideline used? Compensating Factors used for QM determination documented before closing? ATR - Guidelines Provided to Document Approach ATR - Current And Expected Income And Assets ATR - Current Employment Status ATR - Mortgage Payment Obligation ATR - Mortgage Payment on Simultaneous Transaction ATR - Payment For Mortgage Related Obligations ATR - Debt Obligations Including Alimony and Child Support ATR - Monthly DTI Ratio or Residual Income ATR - Consumer Credit History ATR Lenders - DTI (Back) ATR Calculated DTI (Back) QM Lender Value DTI (Back) QM Calculated DTI (Back) Initial DTI (Back) DTI Qualifying (Back) Residual Income Analysis in File Residual Income Guidelines Did Loan Meet Guidelines Residual Income Amount Asset Depletion Asset Depletion Months Amortized Asset Utilization Partial Asset Depletion Short Sale Short Sale Date Deed In Lieu Deed In Lieu Date QRM Flag Borrower 2 Guarantor Flag Borrower 2 Personal Guaranty Recourse to Borrower Borrower 3 Guarantor Flag Borrower 3 Personal Guaranty Recourse to Borrower Borrower 4 Guarantor Flag Borrower 4 Personal Guaranty Recourse to Borrower Borrower 1 Paystub Flag Borrower 1 Paystub Number of Months Borrower 2 Paystub Flag Borrower 2 Paystub Number of Months Borrower 3 Paystub Flag Borrower 3 Paystub Number of Months Borrower 4 Paystub Flag Borrower 4 Paystub Number of Months Borrower 1 W2 Flag Borrower 1 W2 Number of Months Borrower 2 W2 Flag Borrower 2 W2 Number of Months Borrower 3 W2 Flag Borrower 3 W2 Number of Months Borrower 4 W2 Flag Borrower 4 W2 Number of Months Borrower 1 Personal Tax Return Flag Borrower 1 Personal Tax Return Number of Months Borrower 2 Personal Tax Return Flag Borrower 2 Personal Tax Return Number of Months Borrower 3 Personal Tax Return Flag Borrower 3 Personal Tax Return Number of Months Borrower 4 Personal Tax Return Flag Borrower 4 Personal Tax Return Number of Months Borrower 1 Business Tax Return Flag Borrower 1 Business Tax Return Number of Months Borrower 2 Business Tax Return Flag Borrower 2 Business Tax Return Number of Months Borrower 3 Business Tax Return Flag Borrower 3 Business Tax Return Number of Months Borrower 4 Business Tax Return Flag Borrower 4 Business Tax Return Number of Months Borrower 1 Verbal VOE Flag Borrower 1 Verbal VOE Number of Months Borrower 2 Verbal VOE Flag Borrower 2 Verbal VOE Number of Months Borrower 3 Verbal VOE Flag Borrower 3 Verbal VOE Number of Months Borrower 4 Verbal VOE Flag Borrower 4 Verbal VOE Number of Months Borrower 1 Written VOE Flag Borrower 1 Written VOE Form Borrower 1 Written VOE Number of Months Borrower 2 Written VOE Flag Borrower 2 Written VOE Form Borrower 2 Written VOE Number of Months Borrower 3 Written VOE Flag Borrower 3 Written VOE Form Borrower 3 Written VOE Number of Months Borrower 4 Written VOE Flag Borrower 4 Written VOE Form Borrower 4 Written VOE Number of Months Borrower 1 P&L Flag Borrower 1 P&L Prepared By Borrower 1 P&L Number of Months Borrower 2 P&L Flag Borrower 2 P&L Prepared By Borrower 2 P&L Number of Months Borrower 3 P&L Flag Borrower 3 P&L Prepared By Borrower 3 P&L Number of Months Borrower 4 P&L Flag Borrower 4 P&L Prepared By Borrower 4 P&L Number of Months Borrower 1 Lease Agreement Flag Borrower 1 Lease Agreement Number of Months Borrower 2 Lease Agreement Flag Borrower 2 Lease Agreement Number of Months Borrower 3 Lease Agreement Flag Borrower 3 Lease Agreement Number of Months Borrower 4 Lease Agreement Flag Borrower 4 Lease Agreement Number of Months Equity Income Flag Equity Income Amount Equity Income Number of Months Cross Collateralized Loan? Is the Loan a Short-Term Rental? DSCR with Rent Schedule Flag DSCR with Rent Schedule Income Amount DSCR with Lease Agreement Flag DSCR with Lease Agreement Income Amount DSCR % DSCR Method Used Borrower 1 CPA Letter with Income Flag Borrower 1 CPA Letter with Income Number of Months Borrower 1 CPA Letter without Income Flag Borrower 1 CPA Letter without Income Number of Months Borrower 2 CPA Letter with Income Flag Borrower 2 CPA Letter with Income Number of Months Borrower 2 CPA Letter without Income Flag Borrower 2 CPA Letter without Income Number of Months Borrower 3 CPA Letter with Income Flag Borrower 3 CPA Letter with Income Number of Months Borrower 3 CPA Letter without Income Flag Borrower 3 CPA Letter without Income Number of Months Borrower 4 CPA Letter with Income Flag Borrower 4 CPA Letter with Income Number of Months Borrower 4 CPA Letter without Income Flag Borrower 4 CPA Letter without Income Number of Months Borrower 1 Personal Bank Statements Flag Borrower 1 Personal Bank Statements Number of Months Borrower 2 Personal Bank Statements Flag Borrower 2 Personal Bank Statements Number of Months Borrower 3 Personal Bank Statements Flag Borrower 3 Personal Bank Statements Number of Months Borrower 4 Personal Bank Statements Flag Borrower 4 Personal Bank Statements Number of Months Borrower 1 Business Bank Statements Flag Borrower 1 Business Bank Statements Number of Months Borrower 2 Business Bank Statements Flag Borrower 2 Business Bank Statements Number of Months Borrower 3 Business Bank Statements Flag Borrower 3 Business Bank Statements Number of Months Borrower 4 Business Bank Statements Flag Borrower 4 Business Bank Statements Number of Months Borrower 1 Award Letter Flag Borrower 1 Award Letter Number of Months Borrower 2 Award Letter Flag Borrower 2 Award Letter Number of Months Borrower 3 Award Letter Flag Borrower 3 Award Letter Number of Months Borrower 4 Award Letter Flag Borrower 4 Award Letter Number of Months Borrower 1 Offer Letter Flag Borrower 1 Offer Letter Number of Months Borrower 2 Offer Letter Flag Borrower 2 Offer Letter Number of Months Borrower 3 Offer Letter Flag Borrower 3 Offer Letter Number of Months Borrower 4 Offer Letter Flag Borrower 4 Offer Letter Number of Months Borrower 1 IRS Transcripts - Tax Returns Flag Borrower 1 IRS Transcripts - Tax Returns Number of Months Borrower 1 IRS Transcripts - W2s Flag Borrower 1 IRS Transcripts - W2s Number of Months Borrower 2 IRS Transcripts - Tax Returns Flag Borrower 2 IRS Transcripts - Tax Returns Number of Months Borrower 2 IRS Transcripts - W2s Flag Borrower 2 IRS Transcripts - W2s Number of Months Borrower 3 IRS Transcripts - Tax Returns Flag Borrower 3 IRS Transcripts - Tax Returns Number of Months Borrower 3 IRS Transcripts - W2s Flag Borrower 3 IRS Transcripts - W2s Number of Months Borrower 4 IRS Transcripts - Tax Returns Flag Borrower 4 IRS Transcripts - Tax Returns Number of Months Borrower 4 IRS Transcripts - W2s Flag Borrower 4 IRS Transcripts - W2s Number of Months Borrower 1 Income Doc Type Summary Borrower 2 Income Doc Type Summary Borrower 3 Income Doc Type Summary Borrower 4 Income Doc Type Summary Borrower 1 Documentation Used to Determine Legal Residency Borrower 2 Documentation Used to Determine Legal Residency Borrower 3 Documentation Used to Determine Legal Residency Borrower 4 Documentation Used to Determine Legal Residency Full Diligence Id
900000123 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor High Rise Condo (9+) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 5.8750 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.4 0 38.4 38.4 38.4 (No Data) (No Data) (No Data) 9672.7 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes (No Data) 1 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000124 XXXX XXXX XXXX XXXX TX ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 8.2500 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.7 0 41.7 41.7 41.7 (No Data) (No Data) (No Data) 5538.63 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 288 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 288 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000128 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 7.5000 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2931.41 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 3100.00 No (No Data) 1.0575 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000131 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No Yes 1 5.2892 No Yes 2.821 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 0 0 0 0 0 0 No No (No Data) -3408.69 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 2 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Personal Bank Statements - 2 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000133 XXXX XXXX XXXX XXXX NC Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Second Home Low Rise Condo (1-4) 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 8.6328 Yes Yes 1.728 1.132 (No Data) (No Data) No No No No No No No (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 39.67 39.66 39.67 39.66 39.66 39.66 No No (No Data) 6874 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes (No Data) 30 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months		 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 30 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000135 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 7.7276 No No 1.935 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 47.47 47.34 47.47 47.34 47.34 47.34 Yes Yes Yes 19483.39 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 24 months;
Personal Bank Statements - 12 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000136 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) Yes No Rate and Term Refi No No No No No (No Data) (No Data) No No 1 7.1014 Yes Yes 2.009 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) Yes Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 30.37 30.37 30.37 30.37 30.37 30.37 Yes Yes Yes 13270.03 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 48 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 48 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000140 XXXX XXXX XXXX XXXX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No Yes No No No (No Data) (No Data) No Yes 1 5.2500 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.06 0 41.06 41.06 43.99 (No Data) (No Data) (No Data) 23042.03 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) Yes (No Data) 12 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
CPA Letter without Income - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Lease Agreement - 12 months;
P & L - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000142 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No Yes No No No (No Data) (No Data) No No 1 6.6101 Yes Yes 1.099 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 23.41 23.42 23.41 19.07 19.07 19.07 Yes Yes Yes 56484.72 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Business Bank Statements - 24 months;
CPA Letter with Income - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000146 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Low Rise Condo (1-4) 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes 1 6.4968 No No 2.22 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 43.74 43.73 43.74 43.73 43.73 43.73 Yes Yes Yes 7789.48 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 204 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 204 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000147 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 5.8750 No No 2.938 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2038.17 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2400.00 No (No Data) 1.1775 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000154 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 7.9149 No No 0.161 0.042 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 46.97 46.92 46.97 46.92 46.92 46.92 Yes Yes Yes 14944.76 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes (No Data) 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 1 Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 1 months;
CPA Letter without Income - 1 months;
Personal Bank Statements - 24 months		 Award Letter - 1 months;
Written VOE - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000157 XXXX XXXX XXXX XXXX NV Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) Yes No Cashout Refi No No No No No (No Data) (No Data) No No 1 8.1581 Yes Yes 1.401 Not Applicable (No Data) (No Data) No No No No No No No (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 4.7 4.73 4.7 4.73 4.73 4.73 No No (No Data) 74264.08 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000160 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 6.8750 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -7411.85 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 7850.00 No (No Data) 1.0590 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000163 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 5.8750 No No 2.938 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1850.35 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2200.00 No (No Data) 1.1880 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000166 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 8.1687 No No 2.89 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2787.82 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2800.00 No (No Data) 1.0044 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000172 XXXX XXXX XXXX XXXX TX ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 7.8751 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 21.55 0 21.55 21.55 21.55 (No Data) (No Data) (No Data) 25591.19 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 59 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 59 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000174 XXXX XXXX XXXX XXXX MA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor 2 Family 2 Conventional No Yes (No Data) (No Data) (No Data) Yes (No Data) Rate and Term Refi No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 7.7501 No No 3.875 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2115.49 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2400.00 No (No Data) 1.1345 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000178 XXXX XXXX XXXX XXXX VA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 8.3174 No Yes 2.759 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 40.56 43.77 40.56 43.77 43.77 43.77 Yes Yes Yes 4056.46 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 36 No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) Yes 14 Yes 14 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 36 months;
Personal Bank Statements - 14 months		 CPA Letter without Income - 36 months;
Personal Bank Statements - 14 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000179 XXXX XXXX XXXX XXXX RI ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor 2 Family 2 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 8.0001 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2384.93 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2900.00 No (No Data) 1.2159 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000182 XXXX XXXX XXXX XXXX OR Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 7.1491 No No 0.106 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 46.41 45.62 46.41 45.62 45.62 45.62 Yes Yes Yes 15848.15 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes (No Data) 120 Yes (No Data) 60 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 120 months		 Business Bank Statements - 12 months;
CPA Letter without Income - 1 months;
Written VOE - 60 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000184 XXXX XXXX XXXX XXXX UT ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 4.5000 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.21 0 33.21 33.21 33.21 (No Data) (No Data) (No Data) 11279.51 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000185 XXXX XXXX XXXX XXXX WA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 6 mos interest on amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 7.5000 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -4439.95 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 4500.00 No (No Data) 1.0135 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000188 XXXX XXXX XXXX XXXX NC Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Second Home SFR 1 Conventional No No No No (No Data) Yes No Cashout Refi No No No No No (No Data) (No Data) Yes No 1 7.3808 Yes Yes 4.742 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 36.57 37.33 36.57 37.33 37.33 37.33 Yes Yes Yes 8627.41 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000189 XXXX XXXX XXXX XXXX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor Attached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 5.8750 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 30.24 0 30.24 30.24 30.24 (No Data) (No Data) (No Data) 7668.96 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) 1099 - 24 months;
Award Letter - 12 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months		 1099 - 24 months;
Award Letter - 12 months;
Personal Tax Return - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000191 XXXX XXXX XXXX XXXX OH Non-QM: Lender documented all ATR UW factors Yes Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Cashout Refi No No No No No (No Data) (No Data) No No 1 7.7974 Yes Yes 2.682 Unavailable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes No (No Data) (No Data) (No Data) Yes Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 33.86 35.49 33.86 35.49 35.49 35.49 No No (No Data) 3686.97 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000192 XXXX XXXX XXXX XXXX NC Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 7.0249 Yes Yes 2.591 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 12.48 12.48 12.48 12.48 12.48 12.48 No No (No Data) 14929.33 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000193 XXXX XXXX XXXX XXXX NJ ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 6.2500 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -6893.83 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) Yes (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 8500.00 1.2330 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months DSCR - w/lease agreement - 0 months DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
Removed from deal XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No Yes 1 5.7098 No No 1.634 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 49.99 50 49.99 50 50 50 Yes Yes Yes 3819.2 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 24 months;
Personal Bank Statements - 12 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
Removed from deal XXXX XXXX XXXX XXXX WA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No Yes No No No (No Data) (No Data) No No 1 8.9163 Yes Yes 0.189 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 14.59 14.19 14.59 12.95 12.95 13.41 No No (No Data) 79669.32 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 84 No (No Data) Yes 84 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 84 months		 Business Bank Statements - 12 months;
CPA Letter without Income - 84 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000203 XXXX XXXX XXXX XXXX MD ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 8.3750 No No 4.188 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1201.96 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1500.00 No (No Data) 1.2479 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000204 XXXX XXXX XXXX XXXX OR ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Rate and Term Refi No No No No No (No Data) (No Data) No Yes 1 6.7500 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 47.13 0 47.13 47.13 47.13 (No Data) (No Data) (No Data) 91826.5 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000205 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No Yes No No No (No Data) (No Data) Yes No 1 5.1480 Yes Yes 4.982 0.000 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 17.09 16.92 17.09 12.35 12.35 12.35 No No (No Data) 44929.65 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Personal Bank Statements - 24 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000209 XXXX XXXX XXXX XXXX PA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary High Rise Condo (9+) 1 Conventional No No No No (No Data) Yes No Cashout Refi No No No No No (No Data) (No Data) Yes No 1 6.9498 Yes Yes 3.319 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 36.88 36.95 36.88 36.95 36.95 36.95 Yes Yes Yes 10971.51 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) Yes (No Data) 3 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 1 months;
IRS Transcripts – Tax Return(s) - 36 months;
P & L - 3 months;
Personal Bank Statements - 36 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000213 XXXX XXXX XXXX XXXX UT ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 5.5001 No No 0 (No Data) Yes No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 43.31 0 43.31 43.31 43.31 (No Data) (No Data) (No Data) 7170.23 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes (No Data) 120 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 36 No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 36 months;
Personal Tax Return - 24 months;
W2 - 24 months		 IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 120 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000217 XXXX XXXX XXXX XXXX NJ ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 8.5000 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 32.32 0 32.32 32.32 32.32 (No Data) (No Data) (No Data) 12768.54 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000218 XXXX XXXX XXXX XXXX NJ ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX (No Data) (No Data) (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 8.6250 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1876.23 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 2175.00 1.1592 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000220 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes Yes 1 7.7183 No No 3.165 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 49.35 49.25 49.35 49.25 49.25 49.25 Yes Yes Yes 4986.24 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes (No Data) 104 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 1 months		 Award Letter - 1 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 104 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000222 XXXX XXXX XXXX XXXX OR Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 7.5844 Yes Yes 1.739 Not Applicable (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 39.5 39.79 39.5 39.79 39.79 39.79 Yes Yes Yes 8177.67 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 72 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 72 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000223 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 6.8953 Yes Yes 1.276 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 32.72 32.01 32.72 32.01 32.01 32.01 No No (No Data) 32727.58 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 1 months;
Personal Bank Statements - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000228 XXXX XXXX XXXX XXXX SC Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Second Home Low Rise Condo (1-4) 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 8.0206 Yes Yes 1.999 Not Applicable (No Data) (No Data) No No No No No No No (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 35.2 35.2 35.2 35.2 35.2 35.2 No No (No Data) 7019.86 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000229 XXXX XXXX XXXX XXXX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 5.7500 No No 2.875 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2784.8 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2900.00 No (No Data) 1.0414 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000233 XXXX XXXX XXXX XXXX AZ ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 8.2500 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 25.03 0 25.03 25.03 25.03 (No Data) (No Data) (No Data) 8767.92 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 96 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 96 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000234 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) Yes No 1 6.3501 Yes Yes 4.982 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 42.79 42.79 42.79 42.79 42.79 42.79 No No (No Data) 7992.97 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 24 months;
Personal Bank Statements - 12 months		 CPA Letter without Income - 24 months;
Personal Bank Statements - 12 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000236 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Second Home Low Rise Condo (1-4) 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 9.4379 Yes Yes 0.318 Not Applicable (No Data) (No Data) No No No No No No No (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 0 12.35 0 12.35 12.35 12.35 No No (No Data) 68786.91 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000237 XXXX XXXX XXXX XXXX SC Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Low Rise Condo (1-4) 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes No 1 6.6054 Yes Yes 4.267 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 33.39 33.38 33.39 33.38 33.38 33.38 Yes Yes Yes 8969.64 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 5 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes (No Data) 28 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 5 months;
W2 - 24 months;
Written VOE - 28 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000238 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX (No Data) U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 6.0000 No No 3 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1651.37 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 2240.00 1.3560 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000241 XXXX XXXX XXXX XXXX VA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest on amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 6.5000 No No 2.6 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -4842.77 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 3650.00 No (No Data) 1.0100 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000242 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest on amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 6.7500 No No 2.7 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -3457.29 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 3550.00 No (No Data) 1.0268 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000244 XXXX XXXX XXXX XXXX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 5.7500 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 49.41 0 49.41 49.41 49.41 (No Data) (No Data) (No Data) 3976.64 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000246 XXXX XXXX XXXX XXXX IL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX Permanent Resident Alien (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 7.5281 Yes Yes 2.105 0.000 (No Data) (No Data) No No No No No No No (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 38.56 38.56 38.56 38.56 38.56 38.56 No No (No Data) 10663.49 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000248 XXXX XXXX XXXX XXXX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor 4 Family 4 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 7.8751 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2964.57 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 3000.00 No (No Data) 1.0119 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000249 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX (No Data) U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 6 mos interest on amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 5.3751 No No 2.15 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -5091.44 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 6500.00 1.2767 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000251 XXXX XXXX XXXX XXXX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor 3 Family 3 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 6 mos interest on amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 5.8796 No No 2.35 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -4228.66 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 5300.00 1.2534 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000252 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX (No Data) U.S. Citizen (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No Yes No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 6.5000 No No 3.25 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -5154.48 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) Yes (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1000.00 No (No Data) 1.5210 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000256 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Second Home SFR 1 Conventional No No No No (No Data) Yes No Purchase No Yes No No No (No Data) (No Data) No No 1 6.8253 Yes Yes 0.709 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 37.95 36.94 37.95 36.94 36.94 39.63 Yes Yes Yes 20950.6 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes (No Data) 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months		 CPA Letter without Income - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000257 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) Yes No 1 6.4430 Yes Yes 4.986 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 36.29 36.29 36.29 36.29 36.29 36.29 Yes Yes Yes 7979.6 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000259 XXXX XXXX XXXX XXXX TX Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 7.5566 No No 0.408 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 0 0 0 0 0 0 No No (No Data) -8380.53 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 2 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Personal Bank Statements - 2 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000260 XXXX XXXX XXXX XXXX TN Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Low Rise Condo (1-4) 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 7.8074 No No 2.596 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 49.38 49.95 48.66 49.95 49.95 49.95 Yes Yes Yes 5429.91 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000261 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX (No Data) U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 7.8751 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -903.28 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 1300.00 1.4391 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000263 XXXX XXXX XXXX XXXX NC Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 7.6961 Yes Yes 2.801 0.000 (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 30.49 30.47 30.49 30.47 30.47 30.47 Yes Yes Yes 16304.91 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000266 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No Yes 1 5.9850 No No 2.293 Unavailable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 48.99 45.4 48.99 45.4 45.4 45.4 No No (No Data) 4460.21 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 1 months;
Business Bank Statements - 24 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000268 XXXX XXXX XXXX XXXX LA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX (No Data) U.S. Citizen (No Data) Investor 3 Family 3 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 9.8750 No No 4.938 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1512.73 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 2590.00 1.7121 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000274 XXXX XXXX XXXX XXXX PA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX Permanent Resident Alien Permanent Resident Alien (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 6.2500 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1593.85 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1800.00 No (No Data) 1.1293 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000277 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) Yes No 1 6.5353 Yes Yes 3.382 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 20.01 19.23 20.01 19.23 19.23 19.23 No No (No Data) 28611.33 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000281 XXXX XXXX XXXX XXXX CO Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Second Home Low Rise Condo (1-4) 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 7.7673 Yes Yes 2.436 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) Yes Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 31.69 31.69 31.69 31.69 31.69 31.69 Yes Yes Yes 18076.48 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 36 No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
W2 - 24 months		 IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
W2 - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000283 XXXX XXXX XXXX XXXX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor 2 Family 2 Conventional No No (No Data) (No Data) (No Data) No (No Data) Rate and Term Refi No No No No No (No Data) (No Data) No Yes 1 6.2500 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -3802.35 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 3960.00 1.0415 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000289 XXXX XXXX XXXX XXXX GA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX Permanent Resident Alien Permanent Resident Alien (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB (No Data) No Yes 1 6.2500 No No 2.5 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2050.98 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2500.00 No (No Data) 1.2189 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000290 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors Yes Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes 1 6.2721 No No 2.528 2.528 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes No (No Data) (No Data) (No Data) Yes Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 49.9 49.99 49.9 49.99 49.99 49.99 Yes Yes Yes 7298.29 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 4 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 2 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 2 months;
IRS Transcripts – W2(s) - 24 months;
Paystub - 4 months;
Personal Tax Return - 12 months;
W2 - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000294 XXXX XXXX XXXX XXXX LA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX (No Data) U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 8.5000 No No 4.25 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1363.68 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1550.00 No (No Data) 1.1360 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000297 XXXX XXXX XXXX XXXX OH ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor 4 Family 4 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 8.0001 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1577.56 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2550.00 No (No Data) 1.6164 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000302 XXXX XXXX XXXX XXXX MI Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No No 1 6.1418 Yes Yes 2.783 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 20.65 20.65 20.65 20.65 20.65 20.65 No No (No Data) 9293.01 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000306 XXXX XXXX XXXX XXXX AZ ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor 2 Family 2 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB (No Data) No Yes 1 6.6250 No No 2.65 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1630.85 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2090.00 No (No Data) 1.2815 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000308 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Rate and Term Refi No No No No No (No Data) (No Data) Yes No 1 7.9561 Yes Yes 3.023 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 41.12 41.08 41.12 41.08 41.08 41.08 Yes Yes Yes 3940.24 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 15 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 15 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000311 XXXX XXXX XXXX XXXX NJ Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) Yes No 1 6.2872 Yes Yes 4.353 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 32.54 32.54 32.54 32.54 32.54 32.54 No No (No Data) 27461.07 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000314 XXXX XXXX XXXX XXXX NY Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 8.8908 Yes Yes 2.238 0.000 (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 19.37 19.38 19.37 19.38 19.38 19.38 Yes Yes Yes 48183.75 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 60 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 60 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000315 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.2784 Yes Yes 0.223 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 37.4 37.4 37.4 37.4 37.4 37.4 No No (No Data) 13386.08 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000316 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary Low Rise Condo (1-4) 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes Yes 1 8.3791 No No 3.016 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 43.31 43.32 43.31 43.32 43.32 43.32 Yes Yes Yes 3322.47 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 2 Yes 2 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 1 Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 1 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Bank Statements - 2 months;
W2 - 24 months		 Award Letter - 1 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Bank Statements - 2 months;
W2 - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000319 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Low Rise Condo (1-4) 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) Yes No 1 6.5352 Yes Yes 4.242 Not Applicable Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 42.46 42.46 42.46 42.46 42.46 42.46 No No (No Data) 1718.4 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 1 months;
IRS Transcripts – Tax Return(s) - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000322 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest on amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 6.3750 No No 2.55 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1998.44 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2000.00 No (No Data) 1.0001 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000323 XXXX XXXX XXXX XXXX CO Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) Yes No Purchase No Yes No No No (No Data) (No Data) No No 1 7.6929 Yes Yes 1.864 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 12.67 12.67 12.67 11.4 11.4 11.92 Yes Yes Yes 88732.59 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 24 months		 Business Bank Statements - 12 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000325 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX (No Data) U.S. Citizen (No Data) Investor 2 Family 2 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 6 mos interest on amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 6.5000 No No 2.6 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2739.12 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) Yes (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 3200.00 1.1683 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months DSCR - w/lease agreement - 0 months DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000326 XXXX XXXX XXXX XXXX GA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 8.1226 No No 1.407 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 49.63 49.66 49.63 49.66 49.66 49.66 Yes Yes Yes 17457.85 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 7 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
Paystub - 7 months;
W2 - 24 months		 Business Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000332 XXXX XXXX XXXX XXXX NJ Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 5.3845 Yes Yes 1.167 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 8.56 8.56 8.56 8.56 8.56 8.56 No No (No Data) 110557.42 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000335 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Second Home High Rise Condo (9+) 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 6.8924 Yes No 1.31 0.000 Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 44.36 42.83 44.36 42.83 42.83 42.83 Yes Yes Yes 13517.83 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes (No Data) 12 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 12 months		 Personal Bank Statements - 24 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000336 XXXX XXXX XXXX XXXX TX Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 6.9052 Yes Yes 2.528 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 36.18 38.1 36.18 38.1 38.1 38.1 No No (No Data) 2584.79 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000339 XXXX XXXX XXXX XXXX NJ Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary 2 Family 2 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 7.6057 Yes Yes 2.532 Not Applicable (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 32.32 31.8 32.32 31.8 31.8 31.8 Yes Yes Yes 10968.55 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 60 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 29 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 29 months;
CPA Letter without Income - 60 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000340 XXXX XXXX XXXX XXXX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No Yes No No No (No Data) (No Data) No Yes 1 6.8750 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 11.69 0 11.69 11.69 12.24 (No Data) (No Data) (No Data) 47113.43 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 132 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 132 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000341 XXXX XXXX XXXX XXXX AL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 7.8751 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 34.18 0 34.18 34.17 34.17 (No Data) (No Data) (No Data) 9011.59 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months		 IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000344 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX Permanent Resident Alien Permanent Resident Alien (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) Yes No 1 4.7452 Yes Yes 3.972 1.532 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 36.69 33.12 36.69 33.12 33.12 33.12 No No (No Data) 11047.23 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
Removed from deal XXXX XXXX XXXX XXXX OH ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 6.8750 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -21272.19 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 5900.00 No (No Data) 3.7300 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000348 XXXX XXXX XXXX XXXX TX ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 8.0001 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.33 0 39.33 39.33 39.33 (No Data) (No Data) (No Data) 5712.39 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000350 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 8.8387 No No 0.623 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 44.55 44.55 44.55 44.55 44.55 44.55 Yes Yes Yes 9725.46 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 36 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000352 XXXX XXXX XXXX XXXX CT Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 7.1742 Yes Yes 1.625 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 7.68 7.68 7.68 7.68 7.68 7.68 No No (No Data) 109099.59 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 39 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 39 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
Removed from deal XXXX XXXX XXXX XXXX NY Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Second Home SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes No 1 9.3757 Yes Yes 3.248 3.248 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 18.75 18.21 18.75 18.21 18.21 18.21 No No (No Data) 40928.84 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000358 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No Yes No No No (No Data) (No Data) No No 1 5.8829 Yes Yes 2.138 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 9.42 9.42 9.42 7.32 7.32 7.32 No No (No Data) 199015.46 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000359 XXXX XXXX XXXX XXXX AZ Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Attached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 8.3046 Yes Yes 1.783 Not Applicable (No Data) (No Data) No No No No Yes No Yes Yes Yes Yes Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 31.05 30.91 31.05 30.91 30.91 30.91 No No (No Data) 3176.95 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 36 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000360 XXXX XXXX XXXX XXXX MD ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX (No Data) U.S. Citizen (No Data) Investor Attached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 8.0001 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -9332.39 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1325.00 No (No Data) 1.4740 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000361 XXXX XXXX XXXX XXXX NJ Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) Yes No 1 6.0375 Yes Yes 3.112 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 25.84 25.8 25.84 25.8 25.8 25.8 Yes Yes Yes 27297.36 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 84 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 14 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 14 months;
CPA Letter without Income - 84 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000367 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary 2 Family 2 Conventional No No No No (No Data) No No Purchase No Yes No No No (No Data) (No Data) No Yes 1 6.0415 Yes No 0.765 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 33.04 40.38 0 33.04 33.04 36.45 No No (No Data) 27948.91 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months Business Bank Statements - 24 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000369 XXXX XXXX XXXX XXXX GA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary High Rise Condo (9+) 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes No 1 7.9698 Yes Yes 4.27 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 23.32 23.33 23.32 23.33 23.33 23.33 No No (No Data) 12270.37 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000373 XXXX XXXX XXXX XXXX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor 4 Family 4 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 5.5001 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 11.55 0 11.55 11.55 11.55 (No Data) (No Data) (No Data) 134964.05 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000375 XXXX XXXX XXXX XXXX WA Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No 1 5.9891 Yes Yes 0.31 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 8.23 8.23 8.23 8.23 8.23 8.23 No No (No Data) 64460.1 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000378 XXXX XXXX XXXX XXXX CO Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes Yes 1 6.9962 No Yes 3.785 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 42.74 43.08 42.74 43.08 43.08 43.08 Yes Yes Yes 9529.15 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 1 months;
Personal Bank Statements - 12 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000380 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 7.7501 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -3176.85 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1850.00 No (No Data) 1.3300 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000381 XXXX XXXX XXXX XXXX CT ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 7.8751 No No 3.938 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1998.31 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 2000.00 1.0000 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000383 XXXX XXXX XXXX XXXX OH Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 7.6758 No No 2.377 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 47.6 47.41 47.6 47.41 47.41 47.41 Yes Yes Yes 6386.24 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 72 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 72 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000386 XXXX XXXX XXXX XXXX NC ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 7.1251 No No 3.563 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -5980.45 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 6100.00 No (No Data) 1.0110 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
Removed from deal XXXX XXXX XXXX XXXX OH ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 7.3750 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1297.3 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1300.00 No (No Data) 1.0021 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000389 XXXX XXXX XXXX XXXX TX ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 6.2500 No No 3.125 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1365.96 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 1700.00 1.2445 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000390 XXXX XXXX XXXX XXXX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No Yes No No Yes 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB (No Data) No Yes 1 5.3750 No No 2.15 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1491.58 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 2650.00 1.7700 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000396 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 6.2500 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1661.19 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1720.00 No (No Data) 1.0354 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
Removed from deal XXXX XXXX XXXX XXXX NY Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Mid Rise Condo  (5-8) 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 8.4709 No No 1.974 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 47.32 47.12 47.32 47.12 47.11 47.11 Yes Yes Yes 16664.76 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 168 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 168 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000398 XXXX XXXX XXXX XXXX TX ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB (No Data) No Yes 1 6.0000 No No 2.4 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1739.02 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) Yes (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 2000.00 1.1501 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months DSCR - w/lease agreement - 0 months DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000400 XXXX XXXX XXXX XXXX NJ Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No Yes No No No (No Data) (No Data) Yes No 1 6.6148 Yes Yes 4.476 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 42.29 42.28 42.29 40.07 40.07 40.07 Yes Yes Yes 21468.69 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes (No Data) 360 Yes (No Data) 182 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 360 months		 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 182 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000401 XXXX XXXX XXXX XXXX NJ Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.6425 Yes Yes 1.196 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 20.15 17.69 20.15 17.69 17.69 17.69 No Yes Yes 28614.94 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000402 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Second Home Mid Rise Condo  (5-8) 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 7.9228 Yes Yes 2.707 Not Applicable (No Data) (No Data) No No No No No No No (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 42.85 42.07 42.85 42.07 42.07 42.07 No No (No Data) 12146.09 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 184 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 184 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000408 XXXX XXXX XXXX XXXX WA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Cashout Refi No No No No No (No Data) (No Data) Yes No 1 7.5766 Yes Yes 3.223 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 35.95 35.95 35.95 35.95 35.95 35.95 No No (No Data) 3712.69 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 144 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 144 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000409 XXXX XXXX XXXX XXXX MD ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 5.6251 No No 2.813 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1565.16 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 284.84 No (No Data) 1.1820 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000412 XXXX XXXX XXXX XXXX NJ Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes 1 5.9763 No No 1.059 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 43.4 43.4 43.4 43.4 43.4 43.4 Yes Yes Yes 25644.9 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000418 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors Yes Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.8241 Yes Yes 1.569 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 41.11 42.09 41.11 42.09 42.09 42.09 No No (No Data) 5591.6 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 141 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 141 months;
Lease Agreement - 12 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000419 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 7.8687 No No 2.29 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 44.6 44.6 44.6 44.6 44.6 44.6 No No (No Data) 5362.76 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000420 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor High Rise Condo (9+) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 6.7500 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 32.6 0 32.6 32.6 32.6 (No Data) (No Data) (No Data) 7301.22 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes (No Data) 1 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000423 XXXX XXXX XXXX XXXX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Rate and Term Refi No Yes No No Yes 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB (No Data) No Yes 1 6.0000 No No 2.4 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -3599.08 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 4700.00 1.0004 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000426 XXXX XXXX XXXX XXXX CO Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 6.7023 No Yes 0.403 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 0 0 0 0 0 0 Yes Yes Yes -2628.88 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 2 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Personal Bank Statements - 2 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000432 XXXX XXXX XXXX XXXX TX Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 7.7437 Yes Yes 2.239 Not Applicable (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 28.15 28.15 28.15 28.15 28.15 28.15 Yes Yes Yes 18953.27 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000437 XXXX XXXX XXXX XXXX TX Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX Permanent Resident Alien (No Data) (No Data) Primary Attached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 7.1011 Yes Yes 2.147 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes No (No Data) (No Data) (No Data) Yes Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 25.07 25.08 25.08 25.08 25.08 25.08 No No (No Data) 11879.92 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 24 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000440 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX (No Data) U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 7.5000 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -831.11 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1200.00 No (No Data) 1.4439 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000441 XXXX XXXX XXXX XXXX TX Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 8.5743 Yes Yes 1.607 Not Applicable (No Data) (No Data) No No No No No No No (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 16.95 17.13 16.95 17.13 17.13 17.13 No No (No Data) 27104.03 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) Yes 120 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) 1099 - 12 months;
CPA Letter without Income - 120 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000447 XXXX XXXX XXXX XXXX KY Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 8.0989 Yes Yes 0.548 Not Applicable (No Data) (No Data) No No No No No No No (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 10.87 10.87 10.87 10.87 10.87 10.87 No No (No Data) 27153.63 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000448 XXXX XXXX XXXX XXXX AZ ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 6.5000 No No 3.25 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1672.77 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 2200.00 1.3151 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000453 XXXX XXXX XXXX XXXX AL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Second Home Detached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 8.0654 Yes Yes 1.5 0.000 (No Data) (No Data) No No No No No No Yes (No Data) Yes Yes Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 35.26 34.77 35.26 34.77 34.77 34.77 No No (No Data) 66807.94 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 192 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 192 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000457 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 7.1415 Yes Yes 2.466 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 32.25 32.19 32.25 32.19 32.19 32.19 No No (No Data) 6329.61 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 92 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 92 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000459 XXXX XXXX XXXX XXXX VA Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX Non-Permanent Resident Alien (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 5.7512 Yes Yes 2.647 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 8.32 8.52 8.32 8.52 8.52 8.52 Yes Yes Yes 28339.52 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 13 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 13 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000464 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Attached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 6.8750 No No 3.438 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2582.43 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 4000.00 No (No Data) 1.5489 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000465 XXXX XXXX XXXX XXXX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 5.2500 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 41.8 0 41.8 41.8 41.8 (No Data) (No Data) (No Data) 34322.34 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000467 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX Permanent Resident Alien (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes No 1 7.7143 Yes Yes 4.601 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 32.11 32.11 32.11 32.11 32.11 32.11 No No (No Data) 20831.27 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000468 XXXX XXXX XXXX XXXX IA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes Yes 1 8.9736 No No 3.254 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 43.16 43.05 43.16 43.05 43.05 43.05 Yes Yes Yes 5666.02 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000474 XXXX XXXX XXXX XXXX OR Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 8.2865 Yes Yes 1.331 Not Applicable (No Data) (No Data) No No No No No No No (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 27.93 27.92 27.93 27.92 27.92 27.92 No No (No Data) 20222.41 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000478 XXXX XXXX XXXX XXXX CT Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 8.6892 Yes Yes 2.798 Not Applicable (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 26.98 26.97 26.98 26.97 26.97 26.97 Yes Yes Yes 22253.57 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000479 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.5240 Yes Yes 1.16 Not Applicable (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 35.94 36.7 35.94 36.7 36.7 36.7 Yes Yes Yes 11389.61 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 84 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 84 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000485 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No 1 6.3928 Yes Yes 1.421 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 34.39 34.86 34.39 34.86 34.86 34.86 No No (No Data) 28637.09 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 24 months		 Business Bank Statements - 24 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000489 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) Yes No 1 7.1107 Yes Yes 3.616 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 18.67 18.67 18.67 18.67 18.67 18.67 Yes Yes Yes 15947.39 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 132 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 132 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000495 XXXX XXXX XXXX XXXX MD Non-QM: Lender documented all ATR UW factors (No Data) Not Provided Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 8.0823 No No 1.623 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 43.21 43.21 43.31 43.21 43.21 43.21 Yes Yes Yes 7094.07 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 228 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 13 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 13 months;
CPA Letter without Income - 228 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000498 XXXX XXXX XXXX XXXX AL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 7.1251 No No 3.563 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1382.91 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1470.00 No (No Data) 1.0630 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000499 XXXX XXXX XXXX XXXX CO Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No Yes 1 5.9657 No No 2.271 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes Yes Yes (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 46.8 46.8 46.8 46.8 46.8 46.8 No No (No Data) 7637.95 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000501 XXXX XXXX XXXX XXXX AK Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) Yes Yes 1 6.3451 No No 3.939 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 43.7 43.7 43.7 43.7 43.7 43.7 Yes Yes Yes 3342.52 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) 1099 - 24 months;
CPA Letter without Income - 24 months;
IRS Transcripts – Tax Return(s) - 12 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000502 XXXX XXXX XXXX XXXX OH Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 9.5108 Yes Yes 0 0.000 (No Data) (No Data) No No No No No No No (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 38.31 38.67 38.31 38.67 38.67 38.67 Yes Yes Yes 1686.61 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000503 XXXX XXXX XXXX XXXX AZ ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 7.3750 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2239.03 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2735.00 No (No Data) 1.2215 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000504 XXXX XXXX XXXX XXXX SC ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 5.9618 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 30.59 0 30.59 30.59 30.59 (No Data) (No Data) (No Data) 9832.87 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes (No Data) 12 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – W2(s) - 36 months;
Personal Tax Return - 12 months;
W2 - 24 months;
Written VOE - 12 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000507 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.0903 Yes Yes 0.598 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 34.06 34.05 34.06 34.05 34.05 34.05 No No (No Data) 20312.31 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000510 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Not Provided Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 8.4717 Yes Yes 1.065 Unavailable (No Data) (No Data) No No No No No No No (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 20.56 20.56 20.56 20.56 20.56 20.56 No No (No Data) 17785.25 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) Yes (No Data) 3 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
P & L - 3 months;
Personal Tax Return - 24 months;
W2 - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000513 XXXX XXXX XXXX XXXX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Rate and Term Refi No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 5.5001 No No 2.75 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1538.14 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 2000.00 1.3003 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000515 XXXX XXXX XXXX XXXX TX ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX (No Data) U.S. Citizen (No Data) Investor 2 Family 2 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 6 mos interest on amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 7.0000 No No 2.8 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2709.83 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) Yes (No Data) Yes (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2850.00 No (No Data) 1.0517 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) XXXX
900000518 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 5.8750 No No 2.938 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1269.18 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2400.00 No (No Data) 1.8910 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000519 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors Yes Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 7.1893 Yes Yes 1.64 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes No (No Data) (No Data) (No Data) Yes Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 33.21 33.21 33.21 33.21 33.21 33.21 Yes Yes Yes 8454.44 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000520 XXXX XXXX XXXX XXXX NV Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) Yes No Cashout Refi No Yes No No No (No Data) (No Data) No Yes 1 8.4112 Yes No 2.459 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 44.9 44.9 44.9 38.97 38.97 38.97 No No (No Data) 13873.68 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 24 months		 Business Bank Statements - 24 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000522 XXXX XXXX XXXX XXXX AZ Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Attached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes No 1 7.1665 Yes Yes 4.797 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 38.38 38.38 38.38 38.38 38.38 38.38 No No (No Data) 4566.38 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 12 months;
Personal Bank Statements - 12 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000527 XXXX XXXX XXXX XXXX WA Non-QM: Lender documented all ATR UW factors Yes Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Cashout Refi No No No No No (No Data) (No Data) No No 1 6.9975 Yes Yes 0.842 0.970 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Yes No (No Data) (No Data) Yes Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 34.74 34.58 34.74 34.58 34.58 34.58 No No (No Data) 2767.5 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes (No Data) 7 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 1 months		 Paystub - 1 months;
W2 - 24 months;
Written VOE - 7 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000533 XXXX XXXX XXXX XXXX NV ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 6.8750 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1839.09 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1850.00 No (No Data) 1.0050 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000535 XXXX XXXX XXXX XXXX WI ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor 4 Family 4 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 6.7500 No No 3.375 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2741.98 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 3200.00 No (No Data) 1.1670 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000541 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Attached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 6 mos interest on amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 7.2500 No No 2.9 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -3457 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 4562.00 No (No Data) 1.3200 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000544 XXXX XXXX XXXX XXXX NC ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX (No Data) U.S. Citizen (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest on amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 5.3751 No No 2.15 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -3283.02 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) Yes (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 3300.00 No (No Data) 1.0050 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000548 XXXX XXXX XXXX XXXX IN ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 8.0001 No No 4 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -575.3 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 1200.00 2.0856 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000554 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes 1 5.7796 No No 0.137 0.367 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 54.86 54.42 54.86 54.42 54.42 54.42 No No (No Data) 4472.84 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 24 months;
Personal Bank Statements - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000555 XXXX XXXX XXXX XXXX UT ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Attached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 7.0000 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2495.01 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2495.00 No (No Data) 1.0000 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000556 XXXX XXXX XXXX XXXX OR Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 5.3644 Yes Yes 0 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 38.52 38.52 38.51 38.52 38.52 38.52 No No (No Data) 13594.73 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000558 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 5.8630 Yes Yes 0 Not Applicable (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 37.54 37.94 37.54 37.94 37.94 37.94 Yes Yes Yes 22506.3 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000559 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Low Rise Condo (1-4) 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes 1 6.1241 No No 2.565 2.313 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 49.07 49.07 49.07 49.07 49.07 49.07 Yes Yes Yes 5152.38 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 2 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes (No Data) 45 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – W2(s) - 24 months;
Paystub - 2 months;
W2 - 24 months;
Written VOE - 45 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000560 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Second Home Low Rise Condo (1-4) 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 7.0516 Yes Yes 2.836 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes No (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 12.92 12.8 12.92 12.8 12.8 12.8 No No (No Data) 43283.63 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 105 No (No Data) Yes 105 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 105 months		 Business Bank Statements - 24 months;
CPA Letter without Income - 105 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000563 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 7.7404 Yes Yes 2.198 Not Applicable (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 38.1 38.11 38.1 38.11 38.11 38.11 Yes Yes Yes 5102.72 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 204 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 15 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 15 months;
CPA Letter without Income - 204 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000564 XXXX XXXX XXXX XXXX SC Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) Yes No 1 6.2782 Yes Yes 4.329 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 41.69 41.69 41.69 41.69 41.69 41.69 Yes Yes Yes 9168.27 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 168 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 168 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000567 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Attached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 9.5000 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1503.64 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1900.00 No (No Data) 1.2636 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000568 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 5.8750 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 38.7 0 38.7 38.7 38.7 (No Data) (No Data) (No Data) 10289.23 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 3 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 3 months;
Personal Tax Return - 24 months;
W2 - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000574 XXXX XXXX XXXX XXXX VA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No Yes No No No (No Data) (No Data) No Yes 1 8.0001 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40 0 40 40 40.51 (No Data) (No Data) (No Data) 16160.42 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000576 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) Yes No 1 5.9390 Yes Yes 4.726 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 36.59 36.63 36.59 36.63 36.63 36.63 Yes Yes Yes 8446.07 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000578 XXXX XXXX XXXX XXXX CO ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 6.2500 No No 3.125 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2817.06 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2850.00 No (No Data) 1.0116 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000581 XXXX XXXX XXXX XXXX CO Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Low Rise Condo (1-4) 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.2301 Yes Yes 2.371 2.371 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) Yes Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 29.57 29.57 29.57 29.57 29.57 29.57 No No (No Data) 16903.92 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000585 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 6.7500 No No 3.375 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -3056.21 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 3125.00 No (No Data) 1.0225 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000587 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX Permanent Resident Alien (No Data) (No Data) Primary Low Rise Condo (1-4) 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes No 1 8.5200 Yes Yes 3.075 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 15.51 15.48 15.51 15.48 15.48 15.48 Yes Yes Yes 23922.57 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 60 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 60 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000601 XXXX XXXX XXXX XXXX MI ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No Yes No No No (No Data) (No Data) No Yes 1 8.6250 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1112.24 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1450.00 No (No Data) 1.1199 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000605 XXXX XXXX XXXX XXXX NV ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) Yes Yes 1 7.3259 No No 3.311 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2499.83 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2500.00 No (No Data) 1.0001 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000607 XXXX XXXX XXXX XXXX OR ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 6.6250 No No 3.313 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -3149.79 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 3150.00 No (No Data) 1.0000 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000609 XXXX XXXX XXXX XXXX WA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor 2 Family 2 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 6.3750 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 28.77 0 28.77 28.77 28.77 (No Data) (No Data) (No Data) 37414.31 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Yes (No Data) 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 0 No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months		 IRS Transcripts – W2(s) - 0 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000611 XXXX XXXX XXXX XXXX MD Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 8.3173 Yes Yes 2.495 Not Applicable (No Data) (No Data) No No No No No No No (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 1.77 1.78 1.77 1.78 1.78 1.78 No No (No Data) 300608.46 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000615 XXXX XXXX XXXX XXXX VA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Attached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 6.5000 No No 3.25 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1718.17 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2150.00 No (No Data) 1.2513 (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 36 months;
DSCR - w/rent schedule - 0 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000618 XXXX XXXX XXXX XXXX TX Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 8.9067 Yes Yes 0.132 Not Applicable (No Data) (No Data) No No No No No No No (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 7.12 7.3 7.12 7.3 7.3 7.3 Yes Yes Yes 163410.17 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 36 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000620 XXXX XXXX XXXX XXXX CT ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor 3 Family 3 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 8.6250 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2707.11 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 4050.00 No (No Data) 1.4961 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000621 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Attached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 8.3208 No Yes 1.746 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 0 0 0 0 0 0 Yes Yes Yes -6812.42 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 2 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Personal Bank Statements - 2 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000623 XXXX XXXX XXXX XXXX OH Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 7.7739 No No 0.165 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 46.24 45.74 46.24 45.74 45.74 45.74 Yes Yes Yes 8967.2 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 25 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 25 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000629 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.2613 Yes Yes 2.077 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 31.87 31.87 31.87 31.87 31.87 31.87 No No (No Data) 10934.48 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) Yes 108 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 108 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000634 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 5.5001 No No 2.75 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -3256.42 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 3900.00 No (No Data) 1.1976 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000637 XXXX XXXX XXXX XXXX IN Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Attached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes 1 6.4319 No No 0.852 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 44.3 44.3 44.3 44.3 44.3 44.3 No No (No Data) 13588.55 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 60 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 60 months;
Lease Agreement - 12 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000638 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 6.8750 No No 3.438 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2079.73 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2100.00 No (No Data) 1.0097 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000643 XXXX XXXX XXXX XXXX HI Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Second Home SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 7.6424 Yes Yes 2.403 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 31.4 32.37 31.4 32.37 32.37 32.37 Yes Yes Yes 56579.74 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 53 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 53 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
Removed from deal XXXX XXXX XXXX XXXX CO Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 7.0194 No No 1.888 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 0 0 0 0 0 0 Yes Yes Yes -7476.72 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Personal Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000646 XXXX XXXX XXXX XXXX WA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Second Home Mid Rise Condo  (5-8) 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes 1 6.8930 No No 1.085 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 44.4 45 44.4 45 45 45 No No (No Data) 6536.73 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 4 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes (No Data) 27 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 4 months;
Written VOE - 27 months		 Award Letter - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000647 XXXX XXXX XXXX XXXX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 5.2500 No No 2.625 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2586.51 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 2975.00 1.1501 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000648 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) Yes No 1 6.2951 Yes Yes 3.425 1.556 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 23.6 22.97 23.6 22.97 22.97 22.97 No No (No Data) 15156.5 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes (No Data) 60 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 1 months;
Written VOE - 60 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000651 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Rate and Term Refi No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 6.6250 No No 3.313 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2563.79 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2995.00 No (No Data) 1.1682 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000653 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Cashout Refi No Yes No No No (No Data) (No Data) No No 1 5.6849 Yes Yes 2.122 1.124 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 37.42 37.42 37.42 28.66 28.66 28.66 No No (No Data) 10730.94 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 1 months		 Business Bank Statements - 12 months;
CPA Letter without Income - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000660 XXXX XXXX XXXX XXXX PA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) Yes No 1 6.1363 Yes Yes 3.361 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 35.03 35.03 35.03 35.03 35.03 35.03 No No (No Data) 4020.62 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 1 months		 Paystub - 1 months;
W2 - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000662 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 6.9263 No No 2.777 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes No (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 49.76 49.15 49.76 49.15 49.15 49.15 No No (No Data) 6065.5 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 120 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 120 months;
Lease Agreement - 12 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
Removed from deal XXXX XXXX XXXX XXXX OH ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 7.8751 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -23314.03 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 5900.00 No (No Data) 3.7300 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000670 XXXX XXXX XXXX XXXX NC Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Second Home SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 8.2090 Yes No 1.661 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 42.4 42.4 0 42.4 42.4 42.4 No No (No Data) 8205.81 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months Business Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000674 XXXX XXXX XXXX XXXX MN Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Low Rise Condo (1-4) 1 Conventional No No No No (No Data) No No Purchase No Yes No No No (No Data) (No Data) Yes Yes 1 6.8794 No No 4.145 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 0 0 0 0 0 0 No No (No Data) -2453.86 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 4 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Personal Bank Statements - 4 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000675 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor 4 Family 4 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB (No Data) No Yes 1 6.5000 No No 2.6 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -5584.64 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) Yes (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 7207.33 1.2906 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months DSCR - w/lease agreement - 0 months DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000676 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 7.1251 No No 3.563 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1732.8 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1750.00 No (No Data) 1.0100 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000680 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No Yes No No No (No Data) (No Data) No No 1 7.0062 Yes Yes 1.091 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 41.09 40.63 41.09 35.63 35.63 40.63 Yes Yes Yes 42574.39 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 336 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 336 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000681 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Second Home SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes Yes 1 6.8275 No No 3.288 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 48.76 48.76 48.76 48.76 48.76 48.76 Yes Yes Yes 9216.56 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000682 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 6 mos interest on amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 7.3750 No No 2.95 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -5546.44 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 9100.00 No (No Data) 2.2491 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000685 XXXX XXXX XXXX XXXX IN ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor 2 Family 2 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No Yes 6 mos interest on amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 8.6250 No No 3.45 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -960.65 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1470.00 No (No Data) 1.5302 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000689 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 8.1397 Yes Yes 1.255 Not Applicable (No Data) (No Data) No No No No No No No (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 13.97 13.92 13.92 13.92 13.92 13.92 No No (No Data) 209783.14 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 12 months Business Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000690 XXXX XXXX XXXX XXXX VT ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX (No Data) U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 7.0000 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1697.91 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) Yes (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1700.00 No (No Data) 1.0012 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000691 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 5.9646 Yes Yes 1.963 Not Applicable (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 42.79 42.79 42.79 42.79 42.79 42.79 Yes Yes Yes 5265.06 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 26 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 26 months;
CPA Letter without Income - 36 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000695 XXXX XXXX XXXX XXXX OK ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 6 mos interest of amt prepaid in 36 mos if amt prepd >20% of OPB (No Data) Yes Yes 1 7.8751 No No 3.15 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1273.93 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1400.00 No (No Data) 1.0989 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000696 XXXX XXXX XXXX XXXX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No Yes No No No (No Data) (No Data) No Yes 1 6.3750 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 26.27 0 26.27 26.27 26.27 (No Data) (No Data) (No Data) 31765.54 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 13 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 13 months;
CPA Letter without Income - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000698 XXXX XXXX XXXX XXXX OH Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 8.3064 Yes Yes 0.409 0.000 (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 36.57 36.64 36.57 36.64 36.64 36.64 Yes Yes Yes 13279.53 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000700 XXXX XXXX XXXX XXXX IL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Mid Rise Condo  (5-8) 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 7.8140 Yes Yes 1.373 Not Applicable (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 9.66 9.57 9.66 9.57 9.57 9.57 Yes Yes Yes 61628.02 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 120 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 120 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000701 XXXX XXXX XXXX XXXX MI ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 6.2500 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 27.94 0 27.94 27.94 27.94 (No Data) (No Data) (No Data) 17083.9 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) Yes (No Data) 17 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) P & L - 17 months;
Personal Tax Return - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000704 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 6 mos interest on amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 5.3751 No No 2.15 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -18352.68 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 25000.00 1.3621 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000707 XXXX XXXX XXXX XXXX OR ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No Yes No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 5.5346 No No 5.967 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -4781.56 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 7000.00 No (No Data) 1.0835 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000709 XXXX XXXX XXXX XXXX GA ATR/QM: Exempt No (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 6.3750 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1046.5 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 1450.00 1.3856 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000712 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Second Home High Rise Condo (9+) 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.6014 Yes Yes 2.276 0.000 Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 33.05 33.05 33.05 33.05 33.05 33.05 No No (No Data) 11986.16 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000713 XXXX XXXX XXXX XXXX PA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen Permanent Resident Alien (No Data) Investor SFR-Attached 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 7.8751 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1562.12 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1830.00 No (No Data) 1.1715 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000715 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen Permanent Resident Alien (No Data) Second Home SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 5.9167 Yes Yes 2.792 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No Yes Yes Yes Yes No (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) 24.4 24.26 24.4 24.26 24.26 24.26 No No (No Data) 69583.9 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 240 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 240 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000718 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 7.7368 Yes Yes 2.066 0.000 Yes No No No No No No No No (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 10.4 10.61 9.89 10.61 10.61 10.61 No No (No Data) 44695.43 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000720 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Cashout Refi No Yes No No No (No Data) (No Data) No Yes 1 5.0862 Yes No 0.822 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 49.13 43.24 49.13 29.19 29.19 29.19 Yes Yes Yes 15864.29 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 25 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 25 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000721 XXXX XXXX XXXX XXXX NY ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 6.8750 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1264.42 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) Yes (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1500.00 No (No Data) 1.1863 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000724 XXXX XXXX XXXX XXXX TX Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX Permanent Resident Alien (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 6.9937 Yes Yes 2.347 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) Yes Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 25.74 26.29 25.74 26.29 26.29 26.29 No No (No Data) 14299.34 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 26 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 26 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000725 XXXX XXXX XXXX XXXX UT Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No No 1 6.5306 Yes Yes 1.618 Not Applicable (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 9.49 9.46 9.49 9.46 9.46 9.46 Yes Yes Yes 118886.1 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 48 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 48 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000726 XXXX XXXX XXXX XXXX IN ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX (No Data) U.S. Citizen (No Data) Investor 2 Family 2 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Rate and Term Refi No No No No Yes 6 mos interest on amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 8.6250 No No 3.45 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -984.4 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 1250.00 1.2700 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000733 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 6.3750 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 51.34 0 51.34 51.34 51.34 (No Data) (No Data) (No Data) 7704.19 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes (No Data) 31 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 31 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000738 XXXX XXXX XXXX XXXX OR ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 5.6251 No No 2.813 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1830.16 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2.84 No (No Data) 1.0000 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000740 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes 1 6.4437 No Yes 1.581 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 0 0 0 0 0 0 Yes Yes Yes -5928.8 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 2 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Personal Bank Statements - 2 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000741 XXXX XXXX XXXX XXXX MD ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX (No Data) (No Data) (No Data) Investor 2 Family 2 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 7.8751 No No 3.938 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -938.98 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 1750.00 1.8637 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000743 XXXX XXXX XXXX XXXX GA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) Yes No 1 6.8464 Yes Yes 3.452 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 23.51 22.48 23.5 22.48 22.48 22.48 No No (No Data) 25760.18 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000744 XXXX XXXX XXXX XXXX UT Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 9.4021 Yes Yes 2.687 0.000 (No Data) (No Data) No No No No Yes Yes Yes (No Data) Yes No Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 16.33 16.32 16.33 16.32 16.32 16.32 Yes Yes Yes 38858.1 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 25 Yes 25 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 25 months Business Bank Statements - 25 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000745 XXXX XXXX XXXX XXXX TX ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Rate and Term Refi No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 7.7501 No No 3.875 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -11401.61 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1300.00 No (No Data) 1.0680 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000746 XXXX XXXX XXXX XXXX OH ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 8.1250 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1563.87 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1650.00 No (No Data) 1.0551 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000747 XXXX XXXX XXXX XXXX NJ Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX Permanent Resident Alien (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 7.9171 No No 1.335 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 48.86 46.42 48.86 46.42 46.42 46.42 No Yes Yes 4887.24 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000752 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.0277 Yes Yes 0.953 Not Applicable (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 36.6 34.16 36.6 34.16 34.16 34.16 Yes Yes Yes 31291.08 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 60 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 25 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 25 months;
CPA Letter without Income - 60 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000753 XXXX XXXX XXXX XXXX AZ Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.3668 Yes Yes 1.878 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 33.61 33.61 33.61 33.61 33.61 33.61 No No (No Data) 11468.78 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 1 months		 Business Bank Statements - 12 months;
CPA Letter without Income - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000756 XXXX XXXX XXXX XXXX GA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Second Home Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) Yes No 1 6.6932 Yes Yes 3.098 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 12.49 12.49 12.49 12.49 12.49 12.49 Yes Yes Yes 34076.22 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000758 XXXX XXXX XXXX XXXX MI Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes No 1 8.9973 Yes Yes 3.184 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 39.81 39.81 39.81 39.81 39.81 39.81 Yes Yes Yes 7177.85 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 13 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 13 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000760 XXXX XXXX XXXX XXXX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX Permanent Resident Alien (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 5.5001 No No 2.75 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -3040.8 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 3500.00 No (No Data) 1.1510 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000762 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 7.8751 No No 3.938 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1248.14 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1250.00 No (No Data) 1.0015 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000763 XXXX XXXX XXXX XXXX LA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 8.5000 No No 4.25 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1209.95 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1500.00 No (No Data) 1.2397 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000767 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Low Rise Condo (1-4) 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 7.6512 Yes Yes 2.42 Not Applicable (No Data) (No Data) No No No No Yes No Yes (No Data) Yes Yes Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 41.8 40.77 41.8 40.77 40.77 40.77 No No (No Data) 4521.4 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 108 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 108 months;
Personal Bank Statements - 12 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000769 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Cashout Refi No Yes No No No (No Data) (No Data) Yes Yes 1 5.3716 Yes No 3.793 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 44.8 44.82 44.8 31.83 31.83 31.83 Yes Yes Yes 11512.49 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 72 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 72 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000770 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes No 1 7.9989 Yes Yes 4.833 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 41.82 42.41 41.82 42.41 42.41 42.41 Yes Yes Yes 8265.02 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes (No Data) 35 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 48 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 48 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 35 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000772 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Low Rise Condo (1-4) 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 9.5226 No No 2.005 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 47.05 45.44 47.05 45.44 45.44 45.44 Yes Yes Yes 16395.18 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000785 XXXX XXXX XXXX XXXX MI Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes Yes 1 8.9121 No No 3.51 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 48.79 48.79 48.79 48.79 48.79 48.79 Yes Yes Yes 2548.66 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000787 XXXX XXXX XXXX XXXX MI Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes No 1 8.2131 Yes Yes 3.015 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 37.4 37.4 37.4 37.4 37.4 37.4 Yes Yes Yes 4774.44 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 13 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) Business Bank Statements - 13 months;
CPA Letter without Income - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000788 XXXX XXXX XXXX XXXX NJ ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 8.6250 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1587.25 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1750.00 No (No Data) 1.1025 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000792 XXXX XXXX XXXX XXXX MD ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 6.6250 No No 3.313 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2258.42 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2800.00 No (No Data) 1.2300 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000793 XXXX XXXX XXXX XXXX MD Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 7.6373 Yes Yes 2.532 Not Applicable (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 31 31 31 31 31 31 Yes Yes Yes 23138.9 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 36 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000796 XXXX XXXX XXXX XXXX KY Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) Yes Yes 1 5.5859 No No 4.85 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 49.81 49.82 49.82 49.82 49.82 49.82 Yes Yes Yes 6011.72 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 144 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 144 months;
Personal Tax Return - 12 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000799 XXXX XXXX XXXX XXXX TX Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) Yes Yes 1 6.3558 Yes No 4.856 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 46.74 23.38 46.74 23.38 23.38 23.38 Yes Yes Yes 7714.36 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 60 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 48 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 48 months;
CPA Letter without Income - 60 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000805 XXXX XXXX XXXX XXXX OH Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 8.3148 Yes Yes 2.902 Not Applicable (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 24.06 24.12 24.06 24.12 24.12 24.12 Yes Yes Yes 14589.09 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 48 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 25 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 25 months;
CPA Letter without Income - 48 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000808 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.1302 Yes Yes 0 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 29.82 28.2 29.82 28.2 28.2 28.2 Yes Yes Yes 21211.58 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 24 months		 Business Bank Statements - 24 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000811 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor High Rise Condo (9+) 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 5.8110 No No 4.919 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -20036.87 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 26000.00 No (No Data) 1.2900 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000812 XXXX XXXX XXXX XXXX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Rate and Term Refi No No No No No (No Data) (No Data) No Yes 1 5.1250 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 46.93 0 46.93 46.93 46.93 (No Data) (No Data) (No Data) 8058.02 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000814 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary 2 Family 2 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 7.8364 No No 0.71 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 47.49 48.28 47.49 48.28 48.28 48.28 Yes Yes Yes 7262.96 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 60 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 60 months;
Personal Bank Statements - 12 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000818 XXXX XXXX XXXX XXXX LA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 8.2979 Yes Yes 0.18 0.000 (No Data) (No Data) No No No No No No No (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 36.18 36.18 36.18 36.18 36.18 36.18 No No (No Data) 5660.28 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000824 XXXX XXXX XXXX XXXX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 7.0000 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.03 0 40.03 40.03 40.03 (No Data) (No Data) (No Data) 948.22 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 12 months;
Personal Bank Statements - 12 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000826 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Cashout Refi No No No No No (No Data) (No Data) Yes Yes 1 7.2110 No No 3.264 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 47.33 47.33 0 47.33 47.33 47.33 Yes Yes Yes 3329.16 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes (No Data) 31 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 31 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000828 XXXX XXXX XXXX XXXX GA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 7.8751 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1146.37 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1146.37 No (No Data) 1.3739 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000832 XXXX XXXX XXXX XXXX NM Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) Yes Yes 1 6.8902 No No 3.946 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 48.83 48.83 48.83 48.83 48.83 48.83 Yes Yes Yes 6296.17 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000834 XXXX XXXX XXXX XXXX WA Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 7.4607 No No 1.983 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 49.86 49.94 49.86 49.94 49.94 49.94 Yes Yes Yes 13009.27 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 Yes 24 Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 12 months;
IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months		 IRS Transcripts – Tax Return(s) - 12 months;
Paystub - 1 months;
W2 - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000835 XXXX XXXX XXXX XXXX UT ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 4.5000 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 33.22 0 33.22 33.22 33.22 (No Data) (No Data) (No Data) 11081.49 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes (No Data) 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000837 XXXX XXXX XXXX XXXX MI Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 7.4322 No No 2.943 1.352 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 49.25 49.25 49.25 49.25 49.25 49.25 Yes Yes Yes 3484.83 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000838 XXXX XXXX XXXX XXXX NY Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes Yes 1 6.6613 No No 4.151 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 44.7 46.57 44.7 46.57 46.57 46.57 Yes Yes Yes 5385.04 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 25 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 25 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000840 XXXX XXXX XXXX XXXX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No Yes No No No (No Data) (No Data) No Yes 1 6.0000 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 47.85 0 47.85 47.85 47.85 (No Data) (No Data) (No Data) 10711.82 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000843 XXXX XXXX XXXX XXXX NJ ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No Yes No No No (No Data) (No Data) No Yes 1 5.2500 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 39.97 0 39.97 39.97 39.97 (No Data) (No Data) (No Data) 6412.23 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Lease Agreement - 12 months;
Personal Tax Return - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000847 XXXX XXXX XXXX XXXX OR ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor 3 Family 3 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) Yes Yes 1 6.3750 No No 3.188 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1967.27 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2775.00 No (No Data) 1.4101 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000849 XXXX XXXX XXXX XXXX MT Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes 1 5.2091 No No 0.271 2.116 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 54.19 54.21 54.19 54.21 54.21 54.21 Yes Yes Yes 4435.44 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes (No Data) 24 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months		 Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000855 XXXX XXXX XXXX XXXX WA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 8.0001 Yes No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 37.87 0 37.87 37.87 37.87 (No Data) (No Data) (No Data) 3993.53 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 36 months;
Personal Bank Statements - 12 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000860 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) Yes Yes 1 5.6673 No No 3.229 0.000 Yes No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 47.86 47.86 47.86 47.86 47.86 47.86 No No (No Data) 4562.08 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes (No Data) 235 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 48 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 48 months;
Paystub - 1 months;
W2 - 24 months;
W2 - 24 months;
Written VOE - 235 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
Removed from deal XXXX XXXX XXXX XXXX OH ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 8.2500 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1236.72 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1240.00 No (No Data) 1.0027 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000863 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX Non-Permanent Resident Alien (No Data) (No Data) Primary High Rise Condo (9+) 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.5431 Yes Yes 2.385 Not Applicable (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 39.94 39.94 39 39.94 39.94 39.94 Yes Yes Yes 7782.33 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) Yes (No Data) 3 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
P & L - 3 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000865 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 5.8750 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1770.13 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1850.00 No (No Data) 1.0451 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000868 XXXX XXXX XXXX XXXX TN Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) Yes Yes 1 6.0353 No No 4.493 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 53.64 52.43 53.64 52.43 52.43 52.43 Yes Yes Yes 12577.02 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Personal Bank Statements - 12 months 1099 - 24 months;
Award Letter - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000870 XXXX XXXX XXXX XXXX IL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) Yes Yes 1 6.2017 No No 3.09 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 49.59 49.59 49.59 49.59 49.59 49.59 Yes Yes Yes 2810.2 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 13 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 13 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000872 XXXX XXXX XXXX XXXX FL ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 8.0001 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -3009.92 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 3200.00 No (No Data) 1.0632 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000874 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes Yes 1 8.3742 No No 3.547 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 49.23 49.38 49.23 49.38 49.38 49.38 Yes Yes Yes 4997.86 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 1 months;
Personal Bank Statements - 12 months		 CPA Letter without Income - 1 months;
W2 - 12 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000878 XXXX XXXX XXXX XXXX MI ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Cashout Refi No No No No No (No Data) (No Data) No Yes 1 8.1250 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1598.78 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 2250.00 1.4073 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000879 XXXX XXXX XXXX XXXX OH Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No Yes 1 8.1113 No No 0.992 0.000 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 44.93 44.93 44.93 44.93 44.93 44.93 Yes No (No Data) 10425.39 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) Yes (No Data) 3 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
P & L - 3 months;
Personal Tax Return - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000880 XXXX XXXX XXXX XXXX SC ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 5.7500 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1718.76 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1725.00 No (No Data) 1.0036 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000884 XXXX XXXX XXXX XXXX MI Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes Yes 1 8.7925 No No 4.888 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 43.36 43.36 43.36 43.36 43.36 43.36 Yes Yes Yes 2802.85 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000886 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.0417 Yes Yes 0.238 Not Applicable (No Data) (No Data) No No No No No Yes Yes (No Data) Yes Yes Yes (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 21.68 20.19 21.68 20.19 20.19 20.19 Yes Yes Yes 23764.72 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 25 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 25 months;
CPA Letter without Income - 12 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000887 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 6.3794 Yes Yes 2.711 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 23.91 23.91 23.91 23.91 23.91 23.91 No No (No Data) 83817.59 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000893 XXXX XXXX XXXX XXXX MD ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Cashout Refi No No No No Yes 6 mos interest if amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 5.8750 No No 2.938 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1893.6 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) Yes 2195.00 1.1591 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/lease agreement - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000894 XXXX XXXX XXXX XXXX MI Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes No 1 8.3517 Yes Yes 4.402 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 36.53 36.53 36.53 36.53 36.53 36.53 No No (No Data) 8073.19 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000895 XXXX XXXX XXXX XXXX TX Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes No 1 8.3609 Yes Yes 3.239 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 24.15 24.44 24.15 24.44 24.44 24.44 No No (No Data) 16290.36 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) Yes 2 Yes 1 No (No Data) No (No Data) Yes 12 Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 1 months;
Personal Bank Statements - 2 months		 Business Bank Statements - 12 months;
CPA Letter without Income - 1 months;
Personal Bank Statements - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000900 XXXX XXXX XXXX XXXX TX ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 5.5001 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -2697.67 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 2700.00 No (No Data) 1.0009 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000901 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Mid Rise Condo  (5-8) 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes 1 6.3557 No No 1.284 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 0 0 0 0 0 0 No No (No Data) -8132.75 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 2 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Personal Bank Statements - 2 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000902 XXXX XXXX XXXX XXXX TX ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor Low Rise Condo (1-4) 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 7.5257 Yes No 2.615 (No Data) (No Data) (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 40.43 0 40.43 40.43 40.43 (No Data) (No Data) (No Data) 11142.94 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) Yes (No Data) 6 No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 36 months;
IRS Transcripts – Tax Return(s) - 36 months;
P & L - 6 months;
W2 - 36 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
Removed from deal XXXX XXXX XXXX XXXX NJ Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes No 1 8.4839 Yes Yes 4.718 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 6.11 6.11 6.11 6.11 6.11 6.11 No No (No Data) 93896.61 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000910 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes 1 6.1921 Yes No 1.001 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 21.07 21.07 0 21.07 21.07 21.07 No No (No Data) 33458.14 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months Business Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000912 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Cashout Refi No Yes No No No (No Data) (No Data) No No 1 5.8590 Yes Yes 1.266 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 42 41.99 42 37.16 37.16 39.42 No No (No Data) 36217.11 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
CPA Letter without Income - 1 months		 Lease Agreement - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000913 XXXX XXXX XXXX XXXX NC ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX (No Data) U.S. Citizen (No Data) Investor Detached PUD 1 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No Yes 6 mos interest on amt prepd in 12 mos that is >20% of OPB (No Data) No Yes 1 5.0000 No No 2 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1750.82 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No Yes (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1950.00 No (No Data) 1.1138 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000924 XXXX XXXX XXXX XXXX UT Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No Yes 1 6.3966 No No 0.106 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 45.61 45.61 45.61 45.61 45.61 45.61 Yes Yes Yes 10187.84 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 Yes 12 No (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 1 months;
Business Bank Statements - 12 months;
CPA Letter without Income - 1 months		 Business Bank Statements - 12 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000929 XXXX XXXX XXXX XXXX OR Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 6.4675 Yes Yes 1.972 0.000 (No Data) (No Data) No No No No No No No (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 11.49 11.49 11.49 11.49 11.49 11.49 No No (No Data) 37316.88 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 12 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000931 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) Yes No 1 7.4723 Yes Yes 3.266 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 41.99 40.58 41.9 40.58 40.58 40.58 No No (No Data) 5808.13 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
CPA Letter without Income - 1 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000938 XXXX XXXX XXXX XXXX HI Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Second Home Low Rise Condo (1-4) 1 Conventional No No No No (No Data) No No Purchase No Yes No No No (No Data) (No Data) Yes No 1 5.7227 Yes Yes 3.145 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 18.79 18.12 18.79 18.12 18.12 18.12 No No (No Data) 15760.82 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) Yes 2 Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 36 No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 2 months;
Personal Tax Return - 24 months		 Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
Personal Tax Return - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000940 XXXX XXXX XXXX XXXX NY Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) Yes No 1 5.8958 Yes Yes 4.111 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 26.36 26.38 26.35 26.38 26.38 26.38 Yes Yes Yes 32215.97 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 197 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 197 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000943 XXXX XXXX XXXX XXXX GA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Attached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 9.0461 Yes Yes 1.321 0.000 (No Data) (No Data) No No No No No No No (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 38.44 38.49 38.44 38.49 38.49 38.49 Yes Yes Yes 9008.45 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 48 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 48 months;
Personal Bank Statements - 12 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000944 XXXX XXXX XXXX XXXX CA ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor SFR 1 Conventional No No (No Data) (No Data) (No Data) Yes (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 7.7501 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 43.28 0 43.28 43.28 43.28 (No Data) (No Data) (No Data) 34696.23 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 156 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 14 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 14 months;
CPA Letter without Income - 156 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000947 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No No 1 4.9933 Yes Yes 0.811 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 5.23 5.73 5.23 5.73 5.73 5.73 No No (No Data) 253008.14 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000963 XXXX XXXX XXXX XXXX MO ATR/QM: Exempt (No Data) (No Data) (No Data) XX/XX/XXXX U.S. Citizen (No Data) (No Data) Investor 2 Family 2 Conventional No No (No Data) (No Data) (No Data) No (No Data) Purchase No No No No No (No Data) (No Data) No Yes 1 6.3750 No No 0 (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) 0 0 0 0 0 0 (No Data) (No Data) (No Data) -1078.29 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) Yes 1500.00 No (No Data) 1.3911 (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) DSCR - w/rent schedule - 0 months (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000965 XXXX XXXX XXXX XXXX FL Non-QM: Lender documented all ATR UW factors No Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen U.S. Citizen (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Cashout Refi No No No No No (No Data) (No Data) No Yes 1 5.0653 No No 0.094 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No No (No Data) (No Data) (No Data) No Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 49.98 48.63 49.98 48.63 48.63 48.63 Yes Yes Yes 14844.05 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No No (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 24 months		 Business Bank Statements - 24 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000968 XXXX XXXX XXXX XXXX SD Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) Yes No Purchase No No No No No (No Data) (No Data) No No 1 7.0329 Yes Yes 1.576 1.450 (No Data) (No Data) No No No No No No No (No Data) No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 30.43 30.53 30.43 30.53 30.53 30.53 No No (No Data) 37700.24 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 24 months;
CPA Letter without Income - 24 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX
900000970 XXXX XXXX XXXX XXXX CA Non-QM: Lender documented all ATR UW factors (No Data) Present Non-QM: Lender documented all ATR UW factors XX/XX/XXXX U.S. Citizen (No Data) (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No Yes No No No (No Data) (No Data) No Yes 1 5.0437 Yes No 0.757 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Yes Documented Documented Documented Not Applicable Documented Documented Documented Documented 49.06 49.08 49.06 35.74 35.74 42.39 Yes Yes Yes 19864.54 (No Data) 0 (No Data) (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) (No Data) (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Bank Statements - 12 months;
CPA Letter without Income - 1 months;
Personal Bank Statements - 12 months		 (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) XXXX