Exhibit 99.4 Schedule 4

ASF Loan Number

Loan ID

Seller Loan ID

Investor Loan ID

Lender Application Date

Originator QM Status

Final QM Status

Originator QM Status Difference than Final QM Status?

Reason Why NonQM Final Status

APR Pricing Threshold Exceeded?

QM DTI Threshold Exceeded?

Higher Priced Mortgage Loan (HPML)?

Negatively Amortizing Loan?

Principal Deferment?

Interest Only Flag?

Prepayment Penalty?

Balloon Flag?

Adjustable Rate Balloon?

Loan Term Less Than 5 Years?

QM Points and Fees Threshold Exceeded?

QM Total Points and Fees

APR

ATR: Qualifying Payment Properly Considered?

ATR: Current Employment/Self-Employment Verified?

ATR: Balloon Qualifying Payment Properly Considered?

ATR: Reasonable Income or Assets Considered?

ATR: Subject PITIA Adequately Documented?

ATR: All Liabilities Including Alimony and Child Support in DTI?

ATR: Simultaneous Loan Calculated Properly

ATR: Credit History was Considered Properly?

ATR: Did Lender Document All ATR Factors?

ATR: Was an ATR/QM Residual Income Analysis Provided?

Residual Income

Residual Income Meets Guidelines?

Borrower 1 Employment Indicator

Borrower 2 Employment Indicator

Borrower 1 Foreign National Indicator

Borrower 2 Foreign National Indicator

Business Purpose Loan?

Business Purpose Verified?

400081531

XXX

XXX

XXX

07-XX-2024

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

35433.29

Yes

Employed

No

Yes

Present

400083143

XXX

XXX

XXX

09-XX-2024

QM: Safe Harbor APOR (APOR SH)

QM: Safe Harbor APOR (APOR SH)

No

No

No

No

No

No

No

No

No

No

No

No

11694

7.268

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

39682.38

Yes

Employed

No

No

400091350

XXX

XXX

XXX

12-XX-2024

QM: Safe Harbor APOR (APOR SH)

QM: Safe Harbor APOR (APOR SH)

No

No

No

No

No

No

No

No

No

No

No

No

8594.6

7.936

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

7923.48

N/A

Employed

No

No

400098163

XXX

XXX

XXX

02-XX-2025

QM: Safe Harbor APOR (APOR SH)

QM: Safe Harbor APOR (APOR SH)

No

No

No

No

No

No

No

No

No

No

No

No

12467

8.181

Yes

Yes

N/A

Yes

Yes

N/A

N/A

Yes

Yes

Yes

12648.99

Yes

Employed

No

No

400097078

XXX

XXX

XXX

02-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

400098164

XXX

XXX

XXX

02-XX-2025

QM: Safe Harbor APOR (APOR SH)

QM: Safe Harbor APOR (APOR SH)

No

No

Yes

No

No

No

No

No

No

No

No

No

14654

8.258

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

11755.11

N/A

Employed

No

No

400098150

XXX

XXX

XXX

01-XX-2025

QM: Safe Harbor APOR (APOR SH)

QM: Safe Harbor APOR (APOR SH)

No

No

No

No

No

No

No

No

No

No

No

No

20694

8.601

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

16453.93

N/A

Employed

No

No

400098177

XXX

XXX

XXX

11-XX-2024

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

400103289

XXX

XXX

XXX

02-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

2000051892

XXX

XXX

03-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

60372.63

Yes

Employed

Not Employed

No

No

Yes

Present

2000052487

XXX

XXX

04-XX-2025

QM: Safe Harbor APOR (APOR SH)

QM: Safe Harbor APOR (APOR SH)

No

No

No

No

No

No

No

No

No

No

No

No

26176.5

7.547

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

26619.98

Yes

Employed

No

No

2000046806

XXX

XXX

04-XX-2025

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

QM Points and Fees Exceeded

No

No

No

No

No

No

No

No

No

No

Yes

77344

7.822

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

N/A

25307.16

Yes

Employed

No

No

2000052120

XXX

XXX

04-XX-2025

QM: Safe Harbor APOR (APOR SH)

QM: Safe Harbor APOR (APOR SH)

No

No

Yes

No

No

No

No

No

No

No

No

No

13504.25

7.385

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

5513.67

Yes

Employed

Not Employed

No

No

No

2000053916

XXX

XXX

04-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

2000054318

XXX

XXX

05-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

2000053792

XXX

XXX

04-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

2000054226

XXX

XXX

05-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

No

Yes

Present

2000053419

XXX

XXX

04-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

2000053171

XXX

XXX

04-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

N/A

N/A

No

Yes

Present

2000053332

XXX

XXX

04-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

2000053364

XXX

XXX

04-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

2000053743

XXX

XXX

04-XX-2025

QM: Safe Harbor APOR (APOR SH)

QM: Safe Harbor APOR (APOR SH)

No

No

No

No

No

No

No

No

No

No

No

No

11065.25

8.175

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

N/A

32758.68

N/A

Employed

No

No

2000053393

XXX

XXX

04-XX-2025

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

QM Points and Fees Exceeded

No

No

Yes

No

No

No

No

No

No

No

Yes

5200.25

9.069

Yes

No

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

6691.44

Yes

Employed

Employed

No

No

No

2000053728

XXX

XXX

04-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

N/A

153684.14

Yes

Employed

No

Yes

Present

2000053730

XXX

XXX

04-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

Yes

N/A

N/A

Yes

N/A

153683.55

Yes

Employed

No

Yes

Present

2000053734

XXX

XXX

04-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

N/A

163036.36

Yes

Employed

No

Yes

Present

2000053736

XXX

XXX

04-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

N/A

153695.45

Yes

Employed

No

Yes

Present

2000054146

XXX

XXX

04-XX-2025

QM: Safe Harbor APOR (APOR SH)

QM: Safe Harbor APOR (APOR SH)

No

No

No

No

No

No

No

No

No

No

No

No

20539

8.192

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

Yes

26069.24

Yes

Employed

No

No

2000054197

XXX

XXX

04-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

2000054262

XXX

XXX

05-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

2000054675

XXX

XXX

05-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

Yes

N/A

Yes

Yes

N/A

47026.12

Yes

Employed

No

Yes

Present

2000053574

XXX

XXX

04-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

N/A

N/A

No

Yes

Present

2000054697

XXX

XXX

05-XX-2025

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

No

APOR Threshold

Yes

No

Yes

No

No

No

No

No

No

No

Yes

10294

9.751

Yes

Yes

N/A

Yes

Yes

Yes

N/A

Yes

Yes

N/A

18462.13

Yes

Employed

No

No

2000055164

XXX

XXX

05-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

Yes

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

No

Yes

Present

2000050824

XXX

XXX

03-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

No

No

No

No

Yes

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Yes

Yes

Present

2000051910

XXX

XXX

03-XX-2025

ATR/QM: Exempt

ATR/QM: Exempt

No

Yes

No

No

No

No

No

No

No

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

29279.73

N/A

Employed

Employed

No

No

Yes

Present