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.3 Schedule 4

 

Marketing ID Loan ID ALT Loan ID Field Name Verified Value Bid Tape Value Comment
834 XX Property Value XX XX Per appraisal.
834 XX MIN No XX XX Per Deed/Mortgage
834 XX Qualifying All Borrower Residual Income 16878.66 20733.10 $2,650 residual income is required per NQMF guidelines. 
835 XX Property Value XX XX Appraisal 
835 XX Application Date XX XX E-Consent
835 XX Qualifying All Borrower Residual Income 20381.37 33247.71 Income and liabilities
833 XX MIN No XX XX Verified to Mortgage
833 XX Qualifying All Borrower Residual Income 5858.75 9700.90 Based on verified income and total debt
874 XX ULI XX XX Verified with the final 1003
874 XX Application Date XX XX Verified with the initial 1003
874 XX Qualifying Total Reserves Number of Months 43.85 43.54 Verified with the cash out
874 XX Qualifying All Borrower Residual Income 5371.9 6805.07 Verified with the income and liabilities
876 XX Property Value XX XX Lower Purchase Price used to qualify. 
876 XX Application Date XX XX Verified with the initial 1003
876 XX Qualifying Total Reserves Number of Months 10.3 9.57 Verified with the most recent asset statement
876 XX Qualifying All Borrower Residual Income 37359.93 46513.87 Verified with the income and liabilties
829 XX Property Value XX XX Verified to appraised value vs. purchase price.
829 XX Qualifying Total Reserves Number of Months 105.36 40.31 Verified via asset documentation provided. 
829 XX Qualifying All Borrower Residual Income 22210.73 22751.97 Qualifying residual income verified via income and credit documentation. 
827 XX Property Value XX XX Per Appraisal
827 XX Qualifying Total Reserves Number of Months 62.73 62.91 Per asset documentation verifying assets stated on the Final 1003.
827 XX Qualifying All Borrower Residual Income 86682.19 87738.19 Per monthly verified income minus total verified monthly debt
831 XX Qualifying Total Reserves Number of Months 3.48 3.02 Verified to assets
831 XX Qualifying All Borrower Residual Income 5516.84 6622.87 Based on verified income and total debts
872 XX MIN No XX XX updated per DOT/mortgage in the file.
872 XX Qualifying All Borrower Residual Income 12236.03 14952.52 updated per income and liablities, residual was not required but calculated and met any guidelines.
880 XX ULI XX XX updated per final 1003
880 XX Property County XX XX updated per mortgage/DOT
880 XX MIN No XX XX updated per mortgage/DOT
880 XX Application Date XX XX updated per initial 1003
880 XX Qualifying Total Reserves Number of Months 6.51 4.46 updated per asset statements
880 XX Qualifying All Borrower Residual Income 7284.62 3449.12 updated per income and liabilities - residual not required per guidelines
879 XX MIN No XX XX Per Note
879 XX Property Value XX XX Using Purchase price as property value since it is lower than the appraised value
879 XX Application Date XX XX Per initial 1003
879 XX ULI XX XX Per final 1003
879 XX Qualifying Total Reserves Number of Months 72.65 66.34 Per assets
879 XX Qualifying All Borrower Residual Income 15338.89 15749.27 Per monthly income less all debts
850 XX MIN No XX XX Per Note
850 XX Verified Doc Type Asset Utilization (No DTI) Other Per lock
850 XX Qualifying All Borrower Residual Income -5903.1 -4563.06 Per guidelines not required
843 XX MIN No XX XX Per Note
843 XX Application Date XX XX Per initial 1003/Intent to Proceed
843 XX Qualifying All Borrower Residual Income 8725.08 11650.27 Per monthly income less all debts
877 XX ULI XX XX Verified with the final 1003
877 XX Prepayment Penalty Total Term 0 60 The file is missing the Prepayment Note addendum to accurately capture the PPP information. 
877 XX MIN No XX XX Verified with the Security Instrument
877 XX Qualifying Total Reserves Number of Months 9.76 4.63 Verified with the most recent asset statements.
877 XX Prepayment Penalty No Yes The file is missing the Prepayment Note addendum to accurately capture the PPP information. 
877 XX Qualifying All Borrower Residual Income 9482.6 12049.34 Verified with the Income and liabilities
845 XX Application Date XX XX Per initial loan application LO signature date
845 XX Verified Doc Type Business P&L 2YR Business P&L Per Deal Guide when P&L with bank statements
845 XX Qualifying All Borrower Residual Income 29079.1 34552.31 Per monthly verified income minus total verified monthly debt
881 XX MIN No XX XX Verified by the mortgage
881 XX Qualifying Total Reserves Number of Months 10.17 8.17 Verified by the assets
881 XX Qualifying All Borrower Residual Income 1615.51 1724.07 Verified by the income and debt
841 XX MIN No XX XX Verified to Deed
841 XX Property Value XX XX Verified to appraised value vs purchase price
841 XX Verified Doc Type Asset Depletion – Total Asset Calculation Other Verified to lock andloan approval
841 XX Qualifying All Borrower Residual Income -4216.98 -3354.10 Verified to FDAQ program, not required
878 XX ULI XX XX Confirmed with Final 1003.
878 XX Property Value XX XX Confirmed with Appraisal Report.
878 XX MIN No XX XX Confirmed with Deed of Trust.
878 XX Property Type PUD Single Family Detached Confirmed with Appraisal Report.
878 XX Qualifying Total Reserves Number of Months 9.1 8.77 Confirmed with bank statements provided.
878 XX Qualifying All Borrower Residual Income 3859.29 4920.39 Confirmed with bank statements provided for income verification and Credit Report. Audited income was lower than Lender's income due to Lender including deposits that were actually refunds. 
849 XX MIN No XX XX Verified to Deed
849 XX Verified Doc Type Asset Depletion – Total Asset Calculation Other Verified to lock and loan approval
849 XX Qualifying All Borrower Residual Income -4993.53 -3984.51 Verified to FDAQ program, not required
847 XX MIN No XX XX The audited MIN is correct per review
847 XX Verified Doc Type Asset Utilization (No DTI) Other The verification type is asset utilization -no DTI
847 XX Qualifying FICO 803 784 Highest qual fico, FDAQ
847 XX Qualifying All Borrower Residual Income -4819.02 -1588.95 There is no residual income requirement
828 XX Qualifying Total Reserves Number of Months 119.99 118.70 Verified with the most recent asset statements
828 XX Qualifying All Borrower Residual Income 7878.24 9844.52 Verified with the income and liabilities
844 XX MIN No XX XX Per Note
844 XX Verified Doc Type Asset Utilization (No DTI) Other Per Lock
844 XX Qualifying All Borrower Residual Income -2318.33 -2548.21 Per guidelines not required
842 XX MIN No XX XX per mortgage
842 XX Property Value XX XX per appraisal 
842 XX Qualifying All Borrower Residual Income 1939.31 2044.80 mapping issue
846 XX Maturity Date XX XX Verified to Note
846 XX First Payment Date XX XX Verified to Note
846 XX MIN No XX XX Verified to Deed
846 XX Verified Doc Type Asset Depletion – Total Asset Calculation Other Verified to lock and loan approval
846 XX Qualifying All Borrower Residual Income -11423.99 -9523.35 Verified to FDAQ program, not required
832 XX Qualifying Total Reserves Number of Months 0 70.18 Verified to assets
832 XX Qualifying All Borrower Residual Income 105287.83 109078.82 Based on verified income and total debts
830 XX Qualifying Total Reserves Number of Months 77.58 76.51 Verified with the most recent asset statements. 
830 XX Qualifying All Borrower Residual Income 225809.49 245673.21 Verified with the income and liabilities
836 XX   T & I Payment $731.20 $136.00 Taxes  $483.82 + Insurance  $135.38 + $112.00 HOA = 731.20 T&I
836 XX   Origination Date XX XX Note date 7/XX/2025
836 XX   First Pymt Date XX XX First Pymt date 9/XX/2025
836 XX   Maturity Date XX XX Maturity date 8/XX/2055
840 XX   Prepayment Penalty 60   PPP TERM 60
875 XX   Prepayment Penalty 12 24 PPP term is 12 month
866 XX XX Originator Doc Type Debt Service Coverage Ratio Other Per loan approval 
866 XX XX Qualifying Total Reserves Number of Months 35 13.00 Per current asset statements 
866 XX XX Total Qualified Assets Available 164182.85 770182.85 Per asset statements minus reserves 
866 XX XX Qualifying Total Monthly Liabilities 2982 3539.34 Per liabilities from credit report, DSCR loan no DTI
866 XX XX Borrower Appraisal Receipt Date XX XX Per appraisal 
860 XX XX Originator Doc Type Debt Service Coverage Ratio Other Per approval
860 XX XX Qualifying Total Reserves Number of Months 20.86 19.00 Per asset docs
860 XX XX Total Qualified Assets Available 134579.69 824579.69 Per asset docs
860 XX XX Qualifying Total Monthly Liabilities 1359 8174.53 Per credit docs  
860 XX XX Borrower Appraisal Receipt Date XX XX Per appraisal receipt
868 XX XX Cash Disbursement Date XX XX Taken from final CD 
868 XX XX Originator Doc Type Debt Service Coverage Ratio Other DSCR per loan approval 
868 XX XX Total Qualified Assets Available 182543.04 1133643.04 Taken from assets in file 
868 XX XX Qualifying Total Reserves Number of Months 12.33 15.00 Taken from assets in file 
868 XX XX Qualifying Total Monthly Liabilities 3445.74 4137.09 Calculated based on documents provided 
868 XX XX Borrower Appraisal Receipt Date XX XX Taken from appraisal receipt date 
867 XX XX Originator Doc Type Debt Service Coverage Ratio Other DSCR loan per loan approval 
867 XX XX Total Qualified Assets Available 72092.31 124092.31 Taken from assets provided 
867 XX XX Qualifying Total Reserves Number of Months 9.16 13.00 Taken from assets 
867 XX XX Qualifying Total Monthly Liabilities 748 836.08 Calculated based on docs provided 
867 XX XX Borrower Appraisal Receipt Date XX XX Taken from appraisal receipt 
865 XX XX Originator Doc Type Debt Service Coverage Ratio Other DSCR loan, drop down box updated
865 XX XX Total Qualified Assets Available 186235.38 698330.94 Most recent assets, both checking/savings
865 XX XX Total Liquid Assets Available For Close 186235.38 186330.94 Most recent assets, both checking/savings
865 XX XX Qualifying Total Reserves Number of Months 28.92 24.00 Most recent assets, both checking/savings
865 XX XX Qualifying Total Monthly Liabilities 3790.91 4126.80 Qualifying debt excluding adding rent loss to income screen, DSCR loan
865 XX XX Borrower Appraisal Receipt Date XX XX Appraisal receipt date updated
853 XX XX Cash Disbursement Date XX XX Cash disbursement date verifed.
853 XX XX Originator Doc Type Asset Depletion – Debt Ratio Calculation ALT DOC Doc type selected from drop down.
853 XX XX Property Type Single Family Detached PUD Property type verified via Appraisal report.
853 XX XX Qualifying Total Reserves Number of Months 462.56 434.00 Reserves verifiefd.
853 XX XX Total Qualified Assets Available 5869595.37 6010854.28 Assets verified.
853 XX XX Total Liquid Assets Available For Close 5869595.37 5915854.28 Liquid assets verified via asset docs.
853 XX XX Qualifying Total Monthly Liabilities 10780.74 11470.74 Liabilities verified.
853 XX XX Borrower Appraisal Receipt Date XX XX Appraisal receipt date verified.
857 XX XX Sales Price XX XX Per updated purchase contract 
857 XX XX Originator Doc Type Debt Service Coverage Ratio Other Per loan approval 
857 XX XX Qualifying LTV 58.33 58.34 Rounding
857 XX XX Qualifying CLTV 58.33 58.34 Rounding
857 XX XX Total Qualified Assets Available 255711.73 303711.73 Per asset statements minus reserves 
857 XX XX Qualifying Total Reserves Number of Months 16.25 29.00 Per asset statements minus reserves 
857 XX XX Calculated DSCR 0.927 1.0001 Per DSCR calculation: $2,600 market rent/ $2,749.62 PITIA= 0.946 DSCR
857 XX XX Borrower Appraisal Receipt Date XX XX Per desk review 
858 XX XX Originator Doc Type Debt Service Coverage Ratio Other Per loan approval 
858 XX XX Qualifying Total Reserves Number of Months 89.97 18.00 Per current asset statements in addition to cash out
858 XX XX Total Qualified Assets Available 265403.36 319403.36 Per asset statements minus reserves 
858 XX XX Borrower Appraisal Receipt Date XX XX Per desk review 
863 XX XX Originator Doc Type Debt Service Coverage Ratio Other Per approval
863 XX XX Qualifying Total Reserves Number of Months 88.73 89.00 Per asset docs
863 XX XX Total Qualified Assets Available 95359.69 1065359.69 Per asset docs
863 XX XX Total Liquid Assets Available For Close 95359.69 95857.42 Per asset docs
863 XX XX Qualifying Total Monthly Liabilities 15389 15657.53 Per credit docs  
870 XX XX Originator Doc Type Debt Service Coverage Ratio Other Doc type selected from drop down.
870 XX XX Qualifying Total Reserves Number of Months 82.69 80.00 Reserves verified.
870 XX XX Total Liquid Assets Available For Close 275479.74 270479.74 Liquid assets verified.
870 XX XX Total Qualified Assets Available 275479.74 937481.58 Assets verified.
870 XX XX Qualifying Total Monthly Liabilities 1723 3704.29 DSCR loan product.
870 XX XX Borrower Appraisal Receipt Date XX XX Appraisal receipt date verified.
869 XX XX Originator Doc Type Debt Service Coverage Ratio Other Doc type selected from drop down.
869 XX XX Qualifying Total Reserves Number of Months 36.72 36.00 Reserves verified.
869 XX XX Qualifying Total Monthly Liabilities 6685 1836.00 DSCR loan product.
869 XX XX Borrower Appraisal Receipt Date XX XX Appraisal receipt date verified.
851 XX XX Cash Disbursement Date XX XX Per final CD
851 XX XX Originator Doc Type 1YR Full Doc ALT DOC Per loan approval 
851 XX XX Total Liquid Assets Available For Close 254151.16 1359927.22 Per asset statements minus reserves 
851 XX XX Total Qualified Assets Available 1369854.05 1397427.22 Per asset statements minus reserves 
851 XX XX Qualifying Total Reserves Number of Months 155.18 137.00 Per current asset statements 
851 XX XX Qualifying Total Monthly Liabilities 9407.5 9406.76 Rounding 
851 XX XX Borrower Appraisal Receipt Date XX XX Per desk review 
852 XX XX Borrower 1 Qualifying Income 3429.6 3477.09 Per income documentation
852 XX XX Originator Doc Type Asset Depletion – Debt Ratio Calculation ALT DOC Per Loan Approval
852 XX XX Total Liquid Assets Available For Close 131332.77 60388.00 Per asset documentation and cash out
852 XX XX Total Qualified Assets Available 131332.77 550000.00 Per asset documentation and cash out
852 XX XX Qualifying Total Reserves Number of Months 175.96 14.00 Per asset documentation and cash out, and, housing expense
852 XX XX Qualifying Total Monthly Liabilities 1338.94 1348.94 HOA dues were $10.00 less than Lender Calculation
852 XX XX Borrower Appraisal Receipt Date XX XX Per Appraisal Receipt Disclosure
861 XX XX Originator Doc Type Debt Service Coverage Ratio Other DSCR loan, drop down box updated
861 XX XX Reviewed Appraised Property Value XX XX Field review value at $XX, went with lower value
861 XX XX Qualifying Total Reserves Number of Months 5.83 5.00 Cash out funds used for reserves
861 XX XX Qualifying Total Monthly Liabilities 2396 2856.00 Total liabilites including bwr primary residence
861 XX XX Borrower Appraisal Receipt Date XX XX Appraisal receipt date updated
859 XX XX Originator Doc Type Debt Service Coverage Ratio Other DSCR per loan approval 
859 XX XX Qualifying Total Reserves Number of Months 66.63 18.00 Taken from assets in file 
859 XX XX Total Liquid Assets Available For Close 174272.8 166688.00 Taken from assets 
859 XX XX Total Qualified Assets Available 174272.8 1408389.55 Taken from assets in file 
859 XX XX Qualifying Total Monthly Liabilities 2781 6644.00 Calculated based on documents provided 
859 XX XX Borrower Appraisal Receipt Date XX XX Taken from appraisal receipt 
864 XX XX Originator Doc Type Debt Service Coverage Ratio Other DSCR loan, drop down box updated
864 XX XX Total Liquid Assets Available For Close 95359.69 96417.03 Updated asset statement
864 XX XX Total Qualified Assets Available 95359.69 228359.69 Updated asset statement
864 XX XX Qualifying Total Reserves Number of Months 105.26 97.00 Updated asset statement used for reserves
864 XX XX Qualifying Total Monthly Liabilities 13842 10979.77 Updated liabilities for both borrowers, including both primary residences
864 XX XX Borrower Appraisal Receipt Date XX XX Appraisal receipt date updated
854 XX XX All Borrower Total Income 14370.57 5635.27 Per bank statement income for both borrowers 
854 XX XX Borrower 1 Total Years Employment/Self-Employment Verified 24+ Months 12-23 Months Per loan approval 
854 XX XX Originator Doc Type 12 Month Bank Statement ALT DOC Per loan approval 
854 XX XX Cash out Include Debt Paid at Close 703690.97 63843.82 Per final CD cash out used for reserves 
854 XX XX Qualifying Total Reserves Number of Months 10.72 10.00 Rounding 
854 XX XX Qualifying Total Monthly Liabilities 5788.66 5788.68 Rounding 
854 XX XX Borrower Appraisal Receipt Date XX XX Per desk review 
856 XX XX Originator Doc Type 2YR Full Doc ALT DOC 2 year full doc loan, drop down box updated
856 XX XX Cash out Include Debt Paid at Close 108258.54 81167.90 Cash out included debts paid and cash to bwr
856 XX XX Qualifying Total Reserves Number of Months 16.37 16.00 Cash out to bwr used as reserves
856 XX XX Qualifying Total Monthly Liabilities 4959.82 4959.83 Accurate total, .01 rounded from HOI
856 XX XX Borrower Appraisal Receipt Date XX XX Appraisal receipt date updated
855 XX XX Originator Doc Type 12 Month Bank Statement ALT DOC Doc type selected from drop down.
855 XX XX Qualifying Total Reserves Number of Months 36.48 37.00 Reserves verified.
855 XX XX Qualifying Total Monthly Liabilities 64777.73 65856.86 Liabilities verified via credit report and REO's.
855 XX XX Borrower Appraisal Receipt Date XX XX Appraisal receipt date verified.
855 XX XX Lock Term (Days) -102 105.0 Lock term verified.
862 XX XX Cash Disbursement Date XX XX Per CD
862 XX XX Originator Doc Type Debt Service Coverage Ratio Other Per approval
862 XX XX Total Qualified Assets Available 291781.02 622720.79 Per asset docs
862 XX XX Qualifying Total Reserves Number of Months 48.17 48.00 Per asset docs
862 XX XX Qualifying Total Monthly Liabilities 9364 15701.27 Per credit docs  
862 XX XX Borrower Appraisal Receipt Date XX XX Per appraisal receipt
871 XX XX Cash Disbursement Date XX XX  Cash disbursement date verified.
871 XX XX Originator Doc Type Debt Service Coverage Ratio Other Doc type selected from drop down.
871 XX XX Qualifying Total Reserves Number of Months 34.47 33.00 Reserves veriied.
871 XX XX Total Qualified Assets Available 245560.23 1829060.23 Assets verified.
871 XX XX Total Liquid Assets Available For Close 245560.23 244060.23 Liquid assets verified.
871 XX XX Qualifying Total Monthly Liabilities 3996 10240.72 DSCR loan product.
871 XX XX Borrower Appraisal Receipt Date XX XX Appraisal receipt date verified.
838 XX XX Total Qualified Assets Available 568417.42 1213417.42 Per asset documentation
838 XX XX Qualifying Total Reserves Number of Months 8.14 14.00 Per asset documentation and housing expense
838 XX XX Borrower Appraisal Receipt Date XX XX Per Appraisal Receipt Disclosure
837 XX XX All Borrower Total Income 0 79150.82 Mapping.
837 XX XX Borrower 1 Qualifying Income 78359.31 79150.82 Using 99% of the 1 year p&l total.
837 XX XX Cash out Include Debt Paid at Close 120643.78 120192.16 Payoff of delinquent taxes.
837 XX XX Qualifying Total Reserves Number of Months 31.65 27.00 Based on the cash out proceeds.
837 XX XX Total Qualified Assets Available 0 1160000.00 Does not include Equity.
837 XX XX Total Liquid Assets Available For Close 0 102962.21 Does not include the cash out proceeds.
837 XX XX Qualifying Total Monthly Liabilities 8257.74 8257.60 Rounding of the REO.