EX-1 2 surf2006bc4.htm SURF 2006-BC4_MONTHLY J:\surf06bc4\PDF\SURF 2006-BC4

Distribution Date: Oct 25, 2006
DISTRIBUTION PACKAGE
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
Distribution Package Includes: *
Issuance Dates
Issuance Parties
Contact
First Distribution Date:
Settlement Date:
Cutoff Date:
Servicer(s):
Certificate Insurer(s):
Underwriter(s):
Name:
Title:
Phone:
Mobile:
Fax:
Email:
Address:
Website:
* The Trustee, at the direction of the Depositor, and based upon information provided in the Mortgage Loan Schedule or by the Servicer, is furnishing this information to each Certificateholder. The Depositor
and/or the Servicer may discontinue the furnishing of this Supplemental Report (other than the Payment Date Statement), or may change its format, at any time and without notice to any Certificateholder.
While the above parties have undertaken efforts to ensure the reasonable accuracy of this information, this information has not been audited and the parties make no representation as to the accuracy or
completeness of the information.
60 Livingston Ave, St. Paul, MN 55107
www.usbank.com
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
N/A
Wilshire Credit Corporation
October 25, 2006
September 27, 2006
September 01, 2006
Merrill Lynch & Co
- Payment Date Statement
Page 1
- Remittance Summary Group
Page 6
- Mortgage Loan Characteristics
Page 7
- Delinquency Report
Page 15
- Delinquency History Report - Six Months
Page 18
- CPR/CDR History Report - Six Months
Page 21
- Bankruptcy Loan Detail Report
Page 22
- Foreclosure Loan Detail Report
Page 23
- REO Loan Detail Report
Page 24
- Prepayment & Liquidation Loan Detail Report
Page 25
- Material Modifications Loan Detail Report
Page 27
- Material Breaches Loan Detail Report
Page 28
Contact:
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
Distribution Date
25-Oct-06
Determination Date
13-Oct-06
Accrual Periods:
Begin
End
Record Date - Physical Certificates
27-Sep-06
Libor Certificates
9/27/2006
10/24/2006
Record Date - non Physical Certificates
27-Sep-06
Payment Detail:
Pass
Applied
Interest
Through
Original
Beginning
Principal
Interest
Total
Realized
Carryforward
Ending
Class
Rate
Balance
Balance (1)
Paid
Paid
Paid
Losses
Amount Paid
Balance (1)
A1
5.46600%
$439,858,000.00
$439,858,000.00
$5,930,711.40
$1,869,982.98
$7,800,694.38
N/A
$0.00
$433,927,288.60
A-2A
5.37600%
$203,623,000.00
$203,623,000.00
$4,507,769.28
$851,415.64
$5,359,184.92
N/A
$0.00
$199,115,230.72
A-2B
5.43600%
$74,342,000.00
$74,342,000.00
$0.00
$314,317.98
$314,317.98
N/A
$0.00
$74,342,000.00
A-2C
5.47600%
$90,025,000.00
$90,025,000.00
$0.00
$383,426.48
$383,426.48
N/A
$0.00
$90,025,000.00
A-2D
5.56600%
$34,202,000.00
$34,202,000.00
$0.00
$148,064.26
$148,064.26
N/A
$0.00
$34,202,000.00
M-1
5.61600%
$51,700,000.00
$51,700,000.00
$0.00
$225,825.60
$225,825.60
$0.00
$0.00
$51,700,000.00
M-2
5.63600%
$40,150,000.00
$40,150,000.00
$0.00
$175,999.76
$175,999.76
$0.00
$0.00
$40,150,000.00
M-3
5.66600%
$22,000,000.00
$22,000,000.00
$0.00
$96,951.56
$96,951.56
$0.00
$0.00
$22,000,000.00
M-4
5.71600%
$20,350,000.00
$20,350,000.00
$0.00
$90,471.58
$90,471.58
$0.00
$0.00
$20,350,000.00
M-5
5.72600%
$19,250,000.00
$19,250,000.00
$0.00
$85,730.94
$85,730.94
$0.00
$0.00
$19,250,000.00
M-6
5.79600%
$18,150,000.00
$18,150,000.00
$0.00
$81,820.20
$81,820.20
$0.00
$0.00
$18,150,000.00
B-1
6.12600%
$17,050,000.00
$17,050,000.00
$0.00
$81,237.57
$81,237.57
$0.00
$0.00
$17,050,000.00
B-2
6.37600%
$15,950,000.00
$15,950,000.00
$0.00
$79,097.82
$79,097.82
$0.00
$0.00
$15,950,000.00
B-3
7.37600%
$12,650,000.00
$12,650,000.00
$0.00
$72,571.64
$72,571.64
$0.00
$0.00
$12,650,000.00
C
N/A
$40,699,996.20
$40,699,996.20
$0.00
$2,813,056.67
$2,813,056.67
N/A
$0.00
$40,699,996.20
P
N/A
$0.00
$0.00
$0.00
$147,142.13
$147,142.13
N/A
$0.00
$0.00
R
5.46600%
$100.00
$100.00
$100.00
$0.43
$100.43
N/A
$0.00
$0.00
Totals:
$1,059,300,100.00
$1,059,300,100.00
$10,438,580.68
$7,517,113.24
$17,955,693.92
$0.00
$0.00
$1,048,861,519.32
(1) Class C & Class P Certificates reflect Notional Collateral Amounts
Amounts Per 1,000:
Interest
Realized
Beginning
Principal
Interest
Carry-forward
Losses/
Ending
Class
Cusip
Balance
Paid
Paid
Amount Paid
Writedown
Balance
Index
Value
A1
84751YAA8
$1,000.00000000
$13.48324096
$4.25133334
$0.00000000
$0.00000000
$986.51675904 LIBOR
5.32600%
A-2A
84751YAB6
$1,000.00000000
$22.13781979
$4.18133335
$0.00000000
$0.00000000
$977.86218021 CAP LIBOR
5.32600%
A-2B
84751YAC4
$1,000.00000000
$0.00000000
$4.22800005
$0.00000000
$0.00000000
$1,000.00000000
A-2C
84751YAD2
$1,000.00000000
$0.00000000
$4.25911114
$0.00000000
$0.00000000
$1,000.00000000
A-2D
84751YAE0
$1,000.00000000
$0.00000000
$4.32911116
$0.00000000
$0.00000000
$1,000.00000000
M-1
84751YAF7
$1,000.00000000
$0.00000000
$4.36800000
$0.00000000
$0.00000000
$1,000.00000000
M-2
84751YAG5
$1,000.00000000
$0.00000000
$4.38355567
$0.00000000
$0.00000000
$1,000.00000000
M-3
84751YAH3
$1,000.00000000
$0.00000000
$4.40688909
$0.00000000
$0.00000000
$1,000.00000000
M-4
84751YAJ9
$1,000.00000000
$0.00000000
$4.44577789
$0.00000000
$0.00000000
$1,000.00000000
M-5
84751YAK6
$1,000.00000000
$0.00000000
$4.45355532
$0.00000000
$0.00000000
$1,000.00000000
M-6
84751YAL4
$1,000.00000000
$0.00000000
$4.50800000
$0.00000000
$0.00000000
$1,000.00000000
B-1
84751YAM2
$1,000.00000000
$0.00000000
$4.76466686
$0.00000000
$0.00000000
$1,000.00000000
B-2
84751YAN0
$1,000.00000000
$0.00000000
$4.95911097
$0.00000000
$0.00000000
$1,000.00000000
B-3
84751YAP5
$1,000.00000000
$0.00000000
$5.73688854
$0.00000000
$0.00000000
$1,000.00000000
C
NA
$1,000.00000000
$0.00000000
$69.11687795
$0.00000000
$0.00000000
$1,000.00000000
P
NA
$0.00000000
$0.00000000
$0.00000000
$0.00000000
$0.00000000
$0.00000000
R
84751YAS9
$1,000.00000000
$1,000.00000000
$4.30000000
$0.00000000
$0.00000000
$0.00000000
Specialty Underwriting and Residential Finance Trust
Specialty Underwriting and Residential Finance Trust Mortgage Loan Asset-Backed Certificates, Series 2006-BC4
STATEMENT TO CERTIFICATEHOLDERS
Page 1
Page 1 of 28
Contact:
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
Distribution Date
25-Oct-06
Specialty Underwriting and Residential Finance Trust
Specialty Underwriting and Residential Finance Trust Mortgage Loan Asset-Backed Certificates, Series 2006-BC4
STATEMENT TO CERTIFICATEHOLDERS
Interest Detail:
Index +
Interest
Interest
Interest
Non-Supported
Floating
Floating
Margin or
Accrued @
Carryforward
Carryforward
Interest
Rate Certificate
Rate Certificate
Class
Fix Rate
PT Rate (1)
Amount
Amount Remaining
Shortfall
Carryover Paid
Carryover Remaining
A1
5.46600%
$1,869,982.98
$0.00
$0.00
$0.00
$0.00
$0.00
A-2A
5.37600%
$851,415.64
$0.00
$0.00
$0.00
$0.00
$0.00
A-2B
5.43600%
$314,317.98
$0.00
$0.00
$0.00
$0.00
$0.00
A-2C
5.47600%
$383,426.48
$0.00
$0.00
$0.00
$0.00
$0.00
A-2D
5.56600%
$148,064.26
$0.00
$0.00
$0.00
$0.00
$0.00
M-1
5.61600%
$225,825.60
$0.00
$0.00
$0.00
$0.00
$0.00
M-2
5.63600%
$175,999.76
$0.00
$0.00
$0.00
$0.00
$0.00
M-3
5.66600%
$96,951.56
$0.00
$0.00
$0.00
$0.00
$0.00
M-4
5.71600%
$90,471.58
$0.00
$0.00
$0.00
$0.00
$0.00
M-5
5.72600%
$85,730.94
$0.00
$0.00
$0.00
$0.00
$0.00
M-6
5.79600%
$81,820.20
$0.00
$0.00
$0.00
$0.00
$0.00
B-1
6.12600%
$81,237.57
$0.00
$0.00
$0.00
$0.00
$0.00
B-2
6.37600%
$79,097.82
$0.00
$0.00
$0.00
$0.00
$0.00
B-3
7.37600%
$72,571.64
$0.00
$0.00
$0.00
$0.00
$0.00
(1) Includes interest shortfalls from previous payments dates plus interest thereon
Page 2
Page 2 of 28
Contact:
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
Distribution Date
25-Oct-06
Specialty Underwriting and Residential Finance Trust
Specialty Underwriting and Residential Finance Trust Mortgage Loan Asset-Backed Certificates, Series 2006-BC4
STATEMENT TO CERTIFICATEHOLDERS
Reconciliation:
Aggregate Losses:
Available funds (A):
Cumulative Realized Losses
0.00
Servicer remittance
17,955,693.92
Cumulative Liquidated Loan Balance
0.00
Amounts received from A-1 Cap Contract
0.00
Cumulative Recoveries
0.00
Amounts received from A-2A Cap Contract
0.00
Cumulative Applied Realized Losses
0.00
Amounts received from Subordinated Certificate Cap Contract
0.00
Net Payments to Trust from Swap Counterparty
0.00
17,955,693.92
Miscellaneous:
Current Advances
7,341,401.69
Distributions (B):
0.00
Outstanding Advances
7,341,401.69
Service fee
0.00
Advances Recovered
0.00
Number of Loans with Relief Act Shortfall
0.00
Total interest distributed
7,517,113.24
Cumulative Prepayment Penalties
147,142.13
Total principal distributed
10,438,580.68
Investment Income earned on the Cert. Account
0.00
Net Payments to Counterparty from Swap Trust
0.00
17,955,693.92
Supplemental Interest Trust:
 Deposit: Investment Income
0.00
(A) - (B):
0.00
Deposit: Net Counterparty Payment
0.00
Deposit: Counterparty Termination Payment
0.00
Deposit / Withdrawal : Net Trust Payment to Counterparty
0.00
Deposit / Withdrawal : Trust Termination Payment to Counterparty
0.00
Withdrawal : to pay interest on certificates
0.00
Withdrawal : to Principal Remittance, Net Realized Losses
0.00
Withdrawal : to pay Deferred Amounts
0.00
Withdrawal : to X, remaining amounts
0.00
DELINQUENCY COUNT
Count
Scheduled Balance
Delq%
Count
Scheduled Balance
Delq%
Count
Scheduled Balance
Delq%
30 Days
108
21,951,614.99
2.014720%
52
9,143,609.56
0.839201%
56
12,808,005.43
1.175519%
60 Days
26
4,369,094.51
0.400996%
12
1,746,672.16
0.160310%
14
2,622,422.35
0.240686%
90+ Days
0
-
0.000000%
0
-
0.000000%
0
-
0.000000%
Total
134
26,320,709.50
2.415716%
64
10,890,281.72
0.999510%
70
15,430,427.78
1.416205%
Bankruptcy
4
362,787.84
0.033297%
4
362,787.84
0.033297%
0
-
0.000000%
Foreclosure
0
-
0.000000%
0
-
0.000000%
0
-
0.000000%
REO
0
-
0.000000%
0
-
0.000000%
0
-
0.000000%
(1) All Delinquencies are reported on an OTS basis
(2) 30 Day/60 Day/90+ Past Due Totals do not Include Bankruptcy and Foreclosure loans
TOTAL
Group 1
Group 2
COLLATERAL DELINQUENCY SUMMARY-GROUP
ACCOUNT ACTIVITY
Page 3
Page 3 of 28
Contact:
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
Distribution Date
25-Oct-06
Specialty Underwriting and Residential Finance Trust
Specialty Underwriting and Residential Finance Trust Mortgage Loan Asset-Backed Certificates, Series 2006-BC4
STATEMENT TO CERTIFICATEHOLDERS
Stepdown Trigger Event:
Stepdown Date:
Relevant information:
Relevant information:
A) Current Balance of Loans 60+ days delinq, Bankruptcies, Foreclosures and REOs
4,731,882.35
Class A and R Balances
842,050,100.00
B) Ending Collateral Balance
1,089,561,515.52
53.10% of Stated Balance
578,557,164.74
C) Current Delinquency Rate (A/B)
0.434%
D) 34.55%
34.55%
Earlier of:
F) Required Percentage %
60.013%
1) Class A Paydown
NO
G) Applicable % multiplied by Required Percentage %
20.734%
2.) The later of:
H) Aggregate Realized Losses
0.00
A) First payment date when Class A and R are reduced to less than or equal to
I) Original Collateral Balance
1,100,000,096.20
53.10% of Stated Balance.
NO
J) Cumulative Loss % ( H /I)
0.000%
B) October 2009
NO
K) Stepdown Required Loss Percentage
100.000%
NO
A StepdownTrigger Event will occur if either (1) or (2) is True:
Overcollateralization:
1) Current Delq. Rate equals or exceeds applicable % multiplied by Required %
NO
Ending Overcollateralization Amount
40,699,996.20
2) Cumulative Loss % exceeds Stepdown Required Loss Percentage (J > K).
NO
Targeted Overcollateralization Amount
40,699,996.20
NO
Overcollateralization Deficiency Amount
0.00
Overcollateralization Release Amount
0.00
Excess interest distributions:
Excess available interest (A):
2,813,056.67
1) Extra Principal Distribution Amount to certificates
0.00
a) from Group 1
0.00
a) from Group 2
0.00
2) Unpaid Interest Shortfall Amount
0.00
3) Allocated Realized Loss Amount
0.00
4) Unpaid Net PPIS & RAIS
0.00
5) Remaining Amounts to C
2,813,056.67
(B):
2,813,056.67
(A)-(B):
0.00
CREDIT ENHANCEMENT AND TRIGGERS
Page 4
Page 4 of 28
Contact:
Derek Klein
Account Administrator
651-495-3849
Determination Date
25-Oct-06
derek.klein@usbank.com
TOTAL
Group1
Group2
POOL BALANCE INFORMATION:
Beginning Balance
1,100,000,096.20
574,602,468.74
525,397,627.46
Less: Principal Remittance
10,438,580.68
5,930,811.40
4,507,769.28
Plus: Net Substitution Adjustment
0.00
0.00
0.00
Less: Net Realized Losses
0.00
0.00
0.00
Ending Balance
1,089,561,515.52
568,671,657.34
520,889,858.18
PRINCIPAL REMITTANCE:
Scheduled Principal
444,528.20
271,969.42
172,558.78
Prepayments
9,955,037.23
5,637,403.61
4,317,633.62
Curtailments
39,015.25
21,438.37
17,576.88
Net Liquidation Proceeds
0.00
0.00
0.00
Repurchase Principal
0.00
0.00
0.00
Total Principal Remittance (A)
10,438,580.68
5,930,811.40
4,507,769.28
INTEREST REMITTANCE:
Gross Interest
7,828,362.46
4,054,504.26
3,773,858.20
Less: Total Retained Fees
458,333.35
239,417.82
218,915.53
Less: Deferred Interest
0.00
0.00
0.00
Less: Relief Act Interest Shortfall
0.00
0.00
0.00
Less: Net Prepayment Interest Shortfall
0.00
0.00
0.00
Less: Net Nonrecoverable Advances
58.00
24.00
34.00
Less: Interest Loss
0.00
0.00
0.00
Net Interest Remittance From Servicer(s) (B)
7,369,971.11
3,815,062.44
3,554,908.67
Prepayment Premiums (C)
147,142.13
84,688.12
62,454.01
Other Funds (D)
0.00
0.00
0.00
REMITTANCE TO TRUST A+B+C+D):
17,955,693.92
9,830,561.96
8,125,131.96
OTHER INFORMATION:
Beginning Loan Count
6,517
3,697
2,820
Less: Paid in Full
48
28
20
Less: Liquidated
0
0.00
0.00
Less: Repurchased
0
0.00
0.00
Plus: Substitute In
0
0.00
0.00
Less: Substitute Out
0
0.00
0.00
Ending Loan Count
6,469
3,669
2,800
Weighted Average Coupon
8.54003
8.46743
8.61943
Weighted Average Net Coupon
8.04003
7.96743
8.11943
Liquidated Loan Principal Balance
0.00
0.00
0.00
Subsequent Recovery Amount
0.00
0.00
0.00
Loans w/ Prepayment Penalties -Count
27
16
11
Loans w/ Prepayment Penalties - Balance
5,775,677.25
2,870,238.82
2,905,438.43
Ending Pool Factor
0.99051
0.98968
0.99142
NON-RETAINED FEES:
Excess Servicing Fee
0.00
0.00
0.00
RETAINED FEES:
Servicing Fee
458,333.35
239,417.82
218,915.53
LPMI
0.00
0.00
0.00
Special Servicing Fee
0.00
0.00
0.00
Additional Master Servicing Fee
0.00
0.00
0.00
Backup Servicing Fee
0.00
0.00
0.00
Supplemental Insurance Fee
0.00
0.00
0.00
COLLATERAL / REMITTANCE SUMMARY - GROUP
Specialty Underwriting and Residential Finance Trust
Specialty Underwriting and Residential Finance Trust Mortgage Loan Asset-Backed Certificates, Series 2006-BC4
Page 4
Page 5 of 28
Distribution Date: Oct 25, 2006
COLLATERAL / REMITTANCE SUMMARY - GROUP
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
TOTAL
Group 1
Group 2
POOL BALANCE INFORMATION:
Beginning Balance
Less: Principal Remittance
Plus: Negative Amortization
Plus: Draws (If Applicable)
Less: Net Realized Losses
Ending Balance
BLANK
PRINCIPAL REMITTANCE:
Scheduled Principal
Prepayments
Curtailments
Net Liquidation Proceeds
Repurchase Principal
Total Principal Remittance (A)
BLANK
INTEREST REMITTANCE:
Gross Interest
Less: Total Retained Fees
Less: Deferred Interest
Less: Relief Act Interest Shortfall
Less: Net Prepayment Interest Shortfall
Less: Net Nonrecoverable Advances
Less: Interest Loss
Net Interest Remittance From Servicer(s) (B)
BLANK
Prepayment Premiums (C)
Other Funds (D)
BLANK
REMITTANCE TO TRUST (A+B+C+D):
BLANK
OTHER INFORMATION:
Beginning Loan Count
Ending Loan Count
Ending Pool Factor
BLANK
Weighted Average Coupon
Weighted Average Net Coupon
Weighted Average Maximum Net Coupon
BLANK
Liquidated Loans - Balance
Negative Amortization - Count
Negative Amortization - Balance
Substitution In Loans
Substitution Out Loans
Substitution Adjustment - Principal
Loans w/ Prepayment Penalties - Balance
Loans w/ Prepayment Penalties - Count
Repurchase Loans - Count
Net Recoveries
BLANK
NON-RETAINED FEES:
Excess Servicing Fee
BLANK
RETAINED FEES:
Servicing Fee
LPMI
Special Servicing Fee
Additional Master Servicing Fee
Backup Servicing Fee
Supplemental Insurance Fee
1,100,000,096.20
10,438,580.68
0.00
1,089,561,515.52
444,528.20
9,955,037.23
39,015.25
0.00
0.00
10,438,580.68
7,828,362.46
458,333.35
0.00
0.00
0.00
58.00
0.00
7,369,971.11
147,142.13
0.00
17,955,693.92
6,517
6,469
0.9905103820
8.54003%
8.04003%
12.84791%
0.00
0.00
0.00
0.00
5,775,677.25
27
0
0.00
0.00
458,333.35
0.00
0.00
0.00
0.00
0.00
574,602,468.74
5,930,811.40
0.00
568,671,657.34
271,969.42
5,637,403.61
21,438.37
0.00
0.00
5,930,811.40
4,054,504.26
239,417.82
0.00
0.00
0.00
24.00
0.00
3,815,062.44
84,688.12
0.00
9,830,561.96
3,697
3,669
0.9896784095
8.46743%
7.96743%
12.67091%
0.00
0.00
0.00
0.00
2,870,238.82
16
0
0.00
0.00
239,417.82
0.00
0.00
0.00
0.00
0.00
525,397,627.46
4,507,769.28
0.00
520,889,858.18
172,558.78
4,317,633.62
17,576.88
0.00
0.00
4,507,769.28
3,773,858.20
218,915.53
0.00
0.00
0.00
34.00
0.00
3,554,908.67
62,454.01
0.00
8,125,131.96
2,820
2,800
0.9914202710
8.61943%
8.11943%
13.04150%
0.00
0.00
0.00
0.00
2,905,438.43
11
0
0.00
0.00
218,915.53
0.00
0.00
0.00
0.00
0.00
Page 6 of 28
Distribution Date: Oct 25, 2006
MORTGAGE LOAN CHARACTERISTICS
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
TOTAL
Group 1
Group 2
Count
Balance
%
Count
Balance
%
Count
Balance
%
0K to 99.99K
2,227
139,119,158.31
12.77%
1,199
75,949,418.71
13.36%
1,028
63,169,739.60
12.13%
100K to 199.99K
2,225
326,423,903.77
29.96%
1,504
220,308,597.50
38.74%
721
106,115,306.27
20.37%
200K to 299.99K
1,143
279,993,332.06
25.70%
637
155,142,531.57
27.28%
506
124,850,800.49
23.97%
300K to 399.99K
562
193,176,825.41
17.73%
288
98,907,544.12
17.39%
274
94,269,281.29
18.10%
400K to 499.99K
224
99,808,701.28
9.16%
35
14,740,254.85
2.59%
189
85,068,446.43
16.33%
500K to 599.99K
59
31,836,192.58
2.92%
3
1,599,064.48
0.28%
56
30,237,128.10
5.80%
600K to 699.99K
23
14,602,224.59
1.34%
2
1,248,747.16
0.22%
21
13,353,477.43
2.56%
700K to 799.99K
4
2,940,439.79
0.27%
1
775,498.95
0.14%
3
2,164,940.84
0.42%
800K to 899.99K
2
1,660,737.73
0.15%
0
0.00
0.00%
2
1,660,737.73
0.32%
Total
6,469
1,089,561,515.52
100.00%
3,669
568,671,657.34
100.00%
2,800
520,889,858.18
100.00%
Remaining Principal Balance
Balance
0.00M
40.00M
80.00M
120.00M
160.00M
200.00M
240.00M
Group 1
Group 2
0K to 99.99K
100K to 199.99K
200K to 299.99K
300K to 399.99K
400K to 499.99K
500K to 599.99K
600K to 699.99K
700K to 799.99K
800K to 899.99K
Balance
Page 7 of 28
Distribution Date: Oct 25, 2006
MORTGAGE LOAN CHARACTERISTICS
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
TOTAL
Group 1
Group 2
Count
Balance ($)
%
Count
Balance ($)
%
Count
Balance ($)
%
6.00% - 6.49%
27
8,381,996.54
0.77%
15
3,574,075.60
0.63%
12
4,807,920.94
0.92%
6.50% - 6.99%
227
62,324,625.50
5.72%
142
34,210,560.91
6.02%
85
28,114,064.59
5.40%
7.00% - 7.49%
454
112,855,130.64
10.36%
256
52,445,191.59
9.22%
198
60,409,939.05
11.60%
7.50% - 7.99%
1,179
264,639,828.13
24.29%
695
130,914,111.06
23.02%
484
133,725,717.07
25.67%
8.00% - 8.49%
770
154,185,765.81
14.15%
465
80,079,677.33
14.08%
305
74,106,088.48
14.23%
8.50% - 8.99%
1,154
209,056,303.34
19.19%
778
125,656,494.78
22.10%
376
83,399,808.56
16.01%
9.00% - 9.49%
547
90,882,923.17
8.34%
380
57,824,822.39
10.17%
167
33,058,100.78
6.35%
9.50% - 9.99%
556
74,660,193.30
6.85%
386
48,031,452.18
8.45%
170
26,628,741.12
5.11%
10.00% - 10.49%
201
22,028,733.27
2.02%
125
12,665,128.79
2.23%
76
9,363,604.48
1.80%
10.50% - 10.99%
285
25,442,846.00
2.34%
113
9,782,077.10
1.72%
172
15,660,768.90
3.01%
11.00% - 11.49%
258
17,011,334.67
1.56%
77
3,606,832.41
0.63%
181
13,404,502.26
2.57%
11.50% - 11.99%
405
25,286,613.22
2.32%
119
5,225,639.13
0.92%
286
20,060,974.09
3.85%
12.00% - 12.49%
209
11,746,706.94
1.08%
63
2,514,517.06
0.44%
146
9,232,189.88
1.77%
12.50% - 12.99%
170
9,596,711.51
0.88%
45
1,684,988.19
0.30%
125
7,911,723.32
1.52%
13.00% - 13.49%
14
992,559.46
0.09%
4
283,569.64
0.05%
10
708,989.82
0.14%
13.50% - 13.99%
11
433,384.97
0.04%
5
155,150.68
0.03%
6
278,234.29
0.05%
14.00% - 14.49%
1
18,490.55
0.00%
0
0.00
0.00%
1
18,490.55
0.00%
14.50% - 14.99%
1
17,368.50
0.00%
1
17,368.50
0.00%
0
0.00
0.00%
Total
6,469
1,089,561,515.52
100.00%
3,669
568,671,657.34
100.00%
2,800
520,889,858.18
100.00%
Gross Rate
Gross Rate
Group 1 Weighted Average Rate: 8.47%
Group 2 Weighted Average Rate: 8.61%
TOTAL
Group 1
Group 2
Count
Balance ($)
%
Count
Balance ($)
%
Count
Balance ($)
%
2.00% - 2.99%
14
3,476,933.43
0.42%
9
2,118,622.19
0.50%
5
1,358,311.24
0.34%
3.00% - 3.99%
53
10,279,690.20
1.24%
43
8,055,409.11
1.89%
10
2,224,281.09
0.55%
4.00% - 4.99%
344
78,155,783.93
9.42%
201
38,919,498.08
9.13%
143
39,236,285.85
9.73%
5.00% - 5.99%
1,215
276,824,343.71
33.38%
706
136,515,173.32
32.04%
509
140,309,170.39
34.79%
6.00% - 6.99%
1,557
331,407,099.07
39.96%
941
167,175,960.26
39.23%
616
164,231,138.81
40.72%
7.00% - 7.99%
655
113,639,584.63
13.70%
433
64,021,427.77
15.02%
222
49,618,156.86
12.30%
8.00% - 8.99%
79
14,953,196.25
1.80%
53
8,870,870.27
2.08%
26
6,082,325.98
1.51%
9.00% - 9.99%
6
527,531.34
0.06%
4
355,764.96
0.08%
2
171,766.38
0.04%
10.00% - 10.99%
2
143,340.35
0.02%
1
82,952.16
0.02%
1
60,388.19
0.01%
Total
3,925
829,407,502.91
100.00%
2,391
426,115,678.12
100.00%
1,534
403,291,824.79
100.00%
Gross Margins
Margin
Group 1 Weighted Average Margin: 6.18%
Group 2 Weighted Average Margin: 6.15%
Page 8 of 28
Distribution Date: Oct 25, 2006
MORTGAGE LOAN CHARACTERISTICS
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
TOTAL
Group 1
Group 2
Count
Balance ($)
%
Count
Balance ($)
%
Count
Balance ($)
%
2.00% - 2.99%
3
817,811.01
0.10%
0
0.00
0.00%
3
817,811.01
0.20%
3.00% - 3.99%
22
2,722,440.57
0.33%
18
2,078,639.65
0.49%
4
643,800.92
0.16%
4.00% - 4.99%
144
25,581,947.13
3.08%
85
13,105,404.10
3.08%
59
12,476,543.03
3.09%
5.00% - 5.99%
284
58,587,983.50
7.06%
166
29,220,476.89
6.86%
118
29,367,506.61
7.28%
6.00% - 6.99%
266
67,559,647.95
8.15%
148
33,119,728.44
7.77%
118
34,439,919.51
8.54%
7.00% - 7.99%
1,210
294,731,140.40
35.54%
648
130,008,205.00
30.51%
562
164,722,935.40
40.84%
8.00% - 8.99%
1,271
259,430,954.74
31.28%
802
142,383,384.62
33.41%
469
117,047,570.12
29.02%
9.00% - 9.99%
575
99,084,458.42
11.95%
415
63,430,477.71
14.89%
160
35,653,980.71
8.84%
10.00% - 10.99%
122
17,989,001.28
2.17%
90
11,167,392.57
2.62%
32
6,821,608.71
1.69%
11.00% - 11.99%
26
2,775,041.12
0.33%
17
1,474,892.35
0.35%
9
1,300,148.77
0.32%
12.00% - 12.99%
1
58,107.47
0.01%
1
58,107.47
0.01%
0
0.00
0.00%
13.00% - 13.99%
1
68,969.32
0.01%
1
68,969.32
0.02%
0
0.00
0.00%
Total
3,925
829,407,502.91
100.00%
2,391
426,115,678.12
100.00%
1,534
403,291,824.79
100.00%
Lifetime Rate Floors
Floor
Group 1 Weighted Average Lifetime Rate Floor: 7.97%
Group 2 Weighted Average Lifetime Rate Floor: 7.75%
TOTAL
Group 1
Group 2
Count
Balance ($)
%
Count
Balance ($)
%
Count
Balance ($)
%
12.00% - 12.99%
137
39,158,507.80
4.72%
80
20,050,657.00
4.71%
57
19,107,850.80
4.74%
13.00% - 13.99%
901
221,376,084.05
26.69%
496
102,735,728.28
24.11%
405
118,640,355.77
29.42%
14.00% - 14.99%
1,490
316,535,704.04
38.16%
908
163,533,236.73
38.38%
582
153,002,467.31
37.94%
15.00% - 15.99%
945
179,665,291.59
21.66%
597
96,753,177.77
22.71%
348
82,912,113.82
20.56%
16.00% - 16.99%
365
62,597,046.83
7.55%
253
37,472,847.04
8.79%
112
25,124,199.79
6.23%
17.00% - 17.99%
77
8,905,479.32
1.07%
50
5,024,646.44
1.18%
27
3,880,832.88
0.96%
18.00% - 18.99%
9
1,100,419.96
0.13%
6
476,415.54
0.11%
3
624,004.42
0.15%
19.00% - 19.99%
1
68,969.32
0.01%
1
68,969.32
0.02%
0
0.00
0.00%
Total
3,925
829,407,502.91
100.00%
2,391
426,115,678.12
100.00%
1,534
403,291,824.79
100.00%
Lifetime Rate Ceiling
Ceiling
Group 1 Weighted Average Lifetime Rate Ceiling: 14.68%
Group 2 Weighted Average Lifetime Rate Ceiling: 14.54%
TOTAL
Group 1
Group 2
Count
Balance ($)
%
Count
Balance ($)
%
Count
Balance ($)
%
6
3,888
824,641,409.21
99.43%
2,360
422,094,835.67
99.06%
1,528
402,546,573.54
99.82%
12
37
4,766,093.70
0.57%
31
4,020,842.45
0.94%
6
745,251.25
0.18%
Total
3,925
829,407,502.91
100.00%
2,391
426,115,678.12
100.00%
1,534
403,291,824.79
100.00%
Frequency of Interest Rate Adjustments
Months
TOTAL
Group 1
Group 2
Count
Balance ($)
%
Count
Balance ($)
%
Count
Balance ($)
%
6
3,888
824,641,409.21
99.43%
2,360
422,094,835.67
99.06%
1,528
402,546,573.54
99.82%
12
37
4,766,093.70
0.57%
31
4,020,842.45
0.94%
6
745,251.25
0.18%
Total
3,925
829,407,502.91
100.00%
2,391
426,115,678.12
100.00%
1,534
403,291,824.79
100.00%
Frequency of Payment Adjustments
Months
Page 9 of 28
Distribution Date: Oct 25, 2006
MORTGAGE LOAN CHARACTERISTICS
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
TOTAL
Group 1
Group 2
Count
Balance ($)
%
Count
Balance ($)
%
Count
Balance ($)
%
1 Year LIBOR
37
4,766,093.70
0.57%
31
4,020,842.45
0.94%
6
745,251.25
0.18%
6 Month LIBOR
3,888
824,641,409.21
99.43%
2,360
422,094,835.67
99.06%
1,528
402,546,573.54
99.82%
Total
3,925
829,407,502.91
100.00%
2,391
426,115,678.12
100.00%
1,534
403,291,824.79
100.00%
Indices
Index
TOTAL
Group 1
Group 2
Count
Balance ($)
%
Count
Balance ($)
%
Count
Balance ($)
%
2 Units
219
41,393,514.29
3.80%
123
23,029,733.91
4.05%
96
18,363,780.38
3.53%
3 Units
29
8,815,866.99
0.81%
18
5,469,479.31
0.96%
11
3,346,387.68
0.64%
4 Units
10
2,958,477.55
0.27%
8
2,619,409.80
0.46%
2
339,067.75
0.07%
High Rise Condo
10
2,558,399.99
0.23%
4
1,113,402.36
0.20%
6
1,444,997.63
0.28%
Multifamily
8
1,364,860.18
0.13%
6
994,923.83
0.17%
2
369,936.35
0.07%
Other
467
65,809,729.17
6.04%
249
32,070,367.88
5.64%
218
33,739,361.29
6.48%
Planned Unit Development
894
163,873,151.33
15.04%
376
65,035,572.02
11.44%
518
98,837,579.31
18.97%
Row House
40
4,419,791.20
0.41%
35
3,611,115.99
0.64%
5
808,675.21
0.16%
Single Family
4,792
798,367,724.82
73.27%
2,850
434,727,652.24
76.45%
1,942
363,640,072.58
69.81%
Total
6,469
1,089,561,515.52
100.00%
3,669
568,671,657.34
100.00%
2,800
520,889,858.18
100.00%
Property Type
Type
TOTAL
Group 1
Group 2
Count
Balance ($)
%
Count
Balance ($)
%
Count
Balance ($)
%
2005
14
1,604,045.83
0.15%
8
855,472.22
0.15%
6
748,573.61
0.14%
2006
6,455
1,087,957,469.69
99.85%
3,661
567,816,185.12
99.85%
2,794
520,141,284.57
99.86%
Total
6,469
1,089,561,515.52
100.00%
3,669
568,671,657.34
100.00%
2,800
520,889,858.18
100.00%
Year of First Payment Date
Year
TOTAL
Group 1
Group 2
Count
Balance ($)
%
Count
Balance ($)
%
Count
Balance ($)
%
10.00%-14.99%
4
328,839.41
0.03%
3
173,949.73
0.03%
1
154,889.68
0.03%
15.00%-19.99%
2
74,886.71
0.01%
1
49,930.19
0.01%
1
24,956.52
0.00%
20.00%-24.99%
4
279,665.78
0.03%
4
279,665.78
0.05%
0
0.00
0.00%
25.00%-29.99%
6
687,985.85
0.06%
4
516,199.02
0.09%
2
171,786.83
0.03%
30.00%-34.99%
10
1,023,421.36
0.09%
8
898,563.13
0.16%
2
124,858.23
0.02%
35.00%-39.99%
19
2,293,772.28
0.21%
17
1,938,667.22
0.34%
2
355,105.06
0.07%
40.00%-44.99%
16
1,866,640.37
0.17%
12
1,465,115.69
0.26%
4
401,524.68
0.08%
45.00%-49.99%
25
3,176,950.15
0.29%
24
3,070,674.83
0.54%
1
106,275.32
0.02%
50.00%-54.99%
43
7,059,230.77
0.65%
33
5,784,743.90
1.02%
10
1,274,486.87
0.24%
55.00%-59.99%
64
11,510,379.51
1.06%
52
8,896,914.23
1.56%
12
2,613,465.28
0.50%
60.00%-64.99%
97
17,942,423.31
1.65%
81
14,714,253.36
2.59%
16
3,228,169.95
0.62%
65.00%-69.99%
155
30,678,825.63
2.82%
123
23,631,471.45
4.16%
32
7,047,354.18
1.35%
70.00%-74.99%
190
37,001,718.73
3.40%
154
28,535,584.49
5.02%
36
8,466,134.24
1.63%
75.00%-79.99%
339
70,066,052.59
6.43%
282
53,151,663.86
9.35%
57
16,914,388.73
3.25%
80.00%-84.99%
566
114,005,809.45
10.46%
447
83,985,335.44
14.77%
119
30,020,474.01
5.76%
85.00%-89.99%
578
112,195,716.38
10.30%
463
83,119,974.49
14.62%
115
29,075,741.89
5.58%
90.00%-94.99%
722
142,663,850.77
13.09%
535
92,124,699.73
16.20%
187
50,539,151.04
9.70%
95.00%-99.99%
441
74,915,242.03
6.88%
254
39,081,182.20
6.87%
187
35,834,059.83
6.88%
100.0%-105.0%
3,188
461,790,104.44
42.38%
1,172
127,253,068.60
22.38%
2,016
334,537,035.84
64.22%
Total
6,469
1,089,561,515.52
100.00%
3,669
568,671,657.34
100.00%
2,800
520,889,858.18
100.00%
Original LTV
LTV
Group 1 Weighted Average LTV: 85
Group 2 Weighted Average LTV: 95
Page 10 of 28
Distribution Date: Oct 25, 2006
MORTGAGE LOAN CHARACTERISTICS
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
TOTAL
Group 1
Group 2
Count
Balance ($)
%
Count
Balance ($)
%
Count
Balance ($)
%
97 - 120
5
365,233.96
0.03%
4
302,519.79
0.05%
1
62,714.17
0.01%
169 - 192
1,271
75,625,534.08
6.94%
433
22,147,869.78
3.89%
838
53,477,664.30
10.27%
217 - 240
40
6,557,646.89
0.60%
25
3,040,989.08
0.53%
15
3,516,657.81
0.68%
289 - 312
769
211,116,702.41
19.38%
302
66,958,027.48
11.77%
467
144,158,674.93
27.68%
313 - 336
8
1,372,732.90
0.13%
4
525,222.12
0.09%
4
847,510.78
0.16%
337 - 360
4,376
794,523,665.28
72.92%
2,901
475,697,029.09
83.65%
1,475
318,826,636.19
61.21%
Total
6,469
1,089,561,515.52
100.00%
3,669
568,671,657.34
100.00%
2,800
520,889,858.18
100.00%
Remaining Amortization Term
Month
Group 1 Weighted Average Remaining Amortization Months: 342
Group 2 Weighted Average Remaining Amortization Months: 321
TOTAL
Group 1
Group 2
Count
Balance ($)
%
Count
Balance ($)
%
Count
Balance ($)
%
97 - 120
4
308,234.34
0.03%
3
245,520.17
0.04%
1
62,714.17
0.01%
169 - 192
1,271
75,351,033.70
6.92%
433
21,873,369.40
3.85%
838
53,477,664.30
10.27%
217 - 240
26
2,780,114.36
0.26%
21
2,358,839.63
0.41%
5
421,274.73
0.08%
289 - 312
2
242,049.81
0.02%
1
181,600.64
0.03%
1
60,449.17
0.01%
337 - 360
5,166
1,010,880,083.31
92.78%
3,211
544,012,327.50
95.66%
1,955
466,867,755.81
89.63%
Total
6,469
1,089,561,515.52
100.00%
3,669
568,671,657.34
100.00%
2,800
520,889,858.18
100.00%
Remaining Term to Maturity
Month
Group 1 Weighted Average Remaining Months: 349
Group 2 Weighted Average Remaining Months: 338
TOTAL
Group 1
Group 2
Count
Balance ($)
%
Count
Balance ($)
%
Count
Balance ($)
%
97 - 120
4
308,234.34
0.03%
3
245,520.17
0.04%
1
62,714.17
0.01%
169 - 192
62
4,931,204.16
0.45%
44
3,896,845.38
0.69%
18
1,034,358.78
0.20%
217 - 240
26
2,780,114.36
0.26%
21
2,358,839.63
0.41%
5
421,274.73
0.08%
289 - 312
2
242,049.81
0.02%
1
181,600.64
0.03%
1
60,449.17
0.01%
337 - 360
5,336
822,132,518.64
75.46%
2,981
429,281,064.50
75.49%
2,355
392,851,454.14
75.42%
457 - 480
819
204,337,895.62
18.75%
480
102,717,845.49
18.06%
339
101,620,050.13
19.51%
481 +
220
54,829,498.59
5.03%
139
29,989,941.53
5.27%
81
24,839,557.06
4.77%
Total
6,469
1,089,561,515.52
100.00%
3,669
568,671,657.34
100.00%
2,800
520,889,858.18
100.00%
Original Amortization Term
Month
Group 1 Weighted Average Original Amortization Months: 392
Group 2 Weighted Average Original Amortization Months: 394
Page 11 of 28
Distribution Date: Oct 25, 2006
MORTGAGE LOAN CHARACTERISTICS
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
TOTAL
Group 1
Group 2
Count
Balance ($)
%
Count
Balance ($)
%
Count
Balance ($)
%
97 - 120
4
308,234.34
0.03%
3
245,520.17
0.04%
1
62,714.17
0.01%
169 - 192
1,271
75,351,033.70
6.92%
433
21,873,369.40
3.85%
838
53,477,664.30
10.27%
217 - 240
26
2,780,114.36
0.26%
21
2,358,839.63
0.41%
5
421,274.73
0.08%
289 - 312
2
242,049.81
0.02%
1
181,600.64
0.03%
1
60,449.17
0.01%
337 - 360
5,166
1,010,880,083.31
92.78%
3,211
544,012,327.50
95.66%
1,955
466,867,755.81
89.63%
Total
6,469
1,089,561,515.52
100.00%
3,669
568,671,657.34
100.00%
2,800
520,889,858.18
100.00%
Original Remaining Term to Maturity
Month
Group 1 Weighted Average Original Remaining Months: 352
Group 2 Weighted Average Original Remaining Months: 341
Page 12 of 28
Distribution Date: Oct 25, 2006
MORTGAGE LOAN CHARACTERISTICS
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
TOTAL
Group 1
Group 2
Count
Balance ($)
%
Count
Balance ($)
%
Count
Balance ($)
%
ALABAMA
99
11,051,884.61
1.01%
67
7,217,261.01
1.27%
32
3,834,623.60
0.74%
ALASKA
2
416,564.02
0.04%
0
0.00
0.00%
2
416,564.02
0.08%
ARIZONA
249
42,105,538.12
3.86%
147
24,775,427.74
4.36%
102
17,330,110.38
3.33%
ARKANSAS
16
1,802,369.95
0.17%
11
1,194,162.79
0.21%
5
608,207.16
0.12%
CALIFORNIA
1,031
248,355,670.63
22.79%
250
67,703,723.72
11.91%
781
180,651,946.91
34.68%
COLORADO
112
16,994,466.67
1.56%
80
11,430,919.25
2.01%
32
5,563,547.42
1.07%
CONNECTICUT
115
22,595,839.96
2.07%
79
13,998,767.03
2.46%
36
8,597,072.93
1.65%
DELAWARE
11
1,414,900.34
0.13%
11
1,414,900.34
0.25%
0
0.00
0.00%
DISTRICT OF COLUMBIA
4
703,180.08
0.06%
2
478,240.13
0.08%
2
224,939.95
0.04%
FLORIDA
723
118,016,282.58
10.83%
351
56,581,221.80
9.95%
372
61,435,060.78
11.79%
GEORGIA
176
24,689,642.26
2.27%
119
15,897,199.56
2.80%
57
8,792,442.70
1.69%
HAWAII
4
1,538,414.10
0.14%
3
1,122,007.70
0.20%
1
416,406.40
0.08%
IDAHO
29
4,339,919.86
0.40%
22
3,097,245.67
0.54%
7
1,242,674.19
0.24%
ILLINOIS
216
38,199,219.13
3.51%
166
29,630,183.06
5.21%
50
8,569,036.07
1.65%
INDIANA
140
14,599,158.44
1.34%
102
9,934,354.12
1.75%
38
4,664,804.32
0.90%
IOWA
24
2,793,165.34
0.26%
19
1,963,705.82
0.35%
5
829,459.52
0.16%
KANSAS
34
3,930,921.94
0.36%
22
2,107,097.52
0.37%
12
1,823,824.42
0.35%
KENTUCKY
81
8,188,153.41
0.75%
54
5,358,316.64
0.94%
27
2,829,836.77
0.54%
LOUISIANA
99
12,411,888.21
1.14%
58
6,223,453.43
1.09%
41
6,188,434.78
1.19%
MAINE
9
1,180,308.90
0.11%
5
755,102.15
0.13%
4
425,206.75
0.08%
MARYLAND
346
73,485,090.03
6.74%
221
44,384,928.52
7.81%
125
29,100,161.51
5.59%
MASSACHUSETTS
88
17,440,085.25
1.60%
67
13,671,068.17
2.40%
21
3,769,017.08
0.72%
MICHIGAN
187
22,763,749.85
2.09%
146
16,411,752.53
2.89%
41
6,351,997.32
1.22%
MINNESOTA
90
13,769,595.16
1.26%
57
8,236,377.69
1.45%
33
5,533,217.47
1.06%
MISSISSIPPI
45
4,615,204.80
0.42%
35
3,383,874.40
0.60%
10
1,231,330.40
0.24%
MISSOURI
118
12,695,267.20
1.17%
81
8,610,445.42
1.51%
37
4,084,821.78
0.78%
MONTANA
9
1,024,805.79
0.09%
7
745,648.32
0.13%
2
279,157.47
0.05%
NEBRASKA
10
876,726.13
0.08%
4
474,356.98
0.08%
6
402,369.15
0.08%
NEVADA
188
34,218,979.24
3.14%
98
18,138,280.06
3.19%
90
16,080,699.18
3.09%
NEW HAMPSHIRE
23
3,915,623.55
0.36%
20
3,369,657.21
0.59%
3
545,966.34
0.10%
NEW JERSEY
115
23,562,189.81
2.16%
71
13,962,619.10
2.46%
44
9,599,570.71
1.84%
NEW MEXICO
29
4,110,290.49
0.38%
25
3,377,841.29
0.59%
4
732,449.20
0.14%
NEW YORK
215
54,765,181.04
5.03%
85
22,540,022.12
3.96%
130
32,225,158.92
6.19%
NORTH CAROLINA
126
16,869,304.18
1.55%
97
11,708,913.98
2.06%
29
5,160,390.20
0.99%
NORTH DAKOTA
2
137,722.73
0.01%
2
137,722.73
0.02%
0
0.00
0.00%
OHIO
233
27,248,727.10
2.50%
174
19,728,208.00
3.47%
59
7,520,519.10
1.44%
OKLAHOMA
42
3,738,756.77
0.34%
29
2,374,588.84
0.42%
13
1,364,167.93
0.26%
OREGON
61
9,801,427.01
0.90%
47
7,647,038.25
1.34%
14
2,154,388.76
0.41%
PENNSYLVANIA
265
35,414,613.93
3.25%
165
20,094,593.18
3.53%
100
15,320,020.75
2.94%
RHODE ISLAND
35
6,591,782.60
0.60%
20
4,360,805.51
0.77%
15
2,230,977.09
0.43%
SOUTH CAROLINA
64
9,443,489.68
0.87%
40
5,181,626.35
0.91%
24
4,261,863.33
0.82%
SOUTH DAKOTA
2
117,775.37
0.01%
2
117,775.37
0.02%
0
0.00
0.00%
TENNESSEE
166
18,135,572.97
1.66%
129
13,159,669.83
2.31%
37
4,975,903.14
0.96%
TEXAS
276
26,514,362.80
2.43%
125
10,096,119.28
1.78%
151
16,418,243.52
3.15%
UTAH
35
4,898,241.85
0.45%
25
3,605,240.15
0.63%
10
1,293,001.70
0.25%
VERMONT
2
180,164.35
0.02%
2
180,164.35
0.03%
0
0.00
0.00%
VIRGINIA
265
48,348,332.71
4.44%
172
28,601,635.98
5.03%
93
19,746,696.73
3.79%
WASHINGTON
179
28,979,354.46
2.66%
96
15,017,842.65
2.64%
83
13,961,511.81
2.68%
WEST VIRGINIA
16
2,504,987.48
0.23%
12
1,961,427.46
0.34%
4
543,560.02
0.10%
WISCONSIN
60
7,664,927.79
0.70%
44
6,106,429.29
1.07%
16
1,558,498.50
0.30%
WYOMING
3
401,694.85
0.04%
3
401,694.85
0.07%
0
0.00
0.00%
Total
6,469
1,089,561,515.52
100.00%
3,669
568,671,657.34
100.00%
2,800
520,889,858.18
100.00%
Geographic Distribution by State
State
Page 13 of 28
Distribution Date: Oct 25, 2006
MORTGAGE LOAN CHARACTERISTICS
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
0
2
4
6
8
10
12
CALIFORNIA
FLORIDA
MARYLAND
ILLINOIS
VIRGINIA
ARIZONA
NEW YORK
PENNSYLVANIA
OHIO
NEVADA
MICHIGAN
GEORGIA
WASHINGTON
CONNECTICUT
NEW JERSEY
MASSACHUSETTS
TENNESSEE
NORTH CAROLINA
COLORADO
TEXAS
INDIANA
MISSOURI
MINNESOTA
OREGON
ALABAMA
LOUISIANA
WISCONSIN
KENTUCKY
SOUTH CAROLINA
RHODE ISLAND
UTAH
MISSISSIPPI
NEW MEXICO
NEW HAMPSHIRE
IDAHO
OKLAHOMA
KANSAS
IOWA
WEST VIRGINIA
DELAWARE
ARKANSAS
HAWAII
MAINE
MONTANA
DISTRICT OF
COLUMBIA
NEBRASKA
WYOMING
VERMONT
NORTH DAKOTA
SOUTH DAKOTA
%
Collateral Balance Distribution by State
GROUP 1
0
5
10
15
20
25
30
35
CALIFORNIA
FLORIDA
NEW YORK
MARYLAND
VIRGINIA
ARIZONA
TEXAS
NEVADA
PENNSYLVANIA
WASHINGTON
NEW JERSEY
GEORGIA
CONNECTICUT
ILLINOIS
OHIO
MICHIGAN
LOUISIANA
COLORADO
MINNESOTA
NORTH CAROLINA
TENNESSEE
INDIANA
SOUTH CAROLINA
MISSOURI
ALABAMA
MASSACHUSETTS
KENTUCKY
RHODE ISLAND
OREGON
KANSAS
WISCONSIN
OKLAHOMA
UTAH
IDAHO
MISSISSIPPI
IOWA
NEW MEXICO
ARKANSAS
NEW HAMPSHIRE
WEST VIRGINIA
MAINE
ALASKA
HAWAII
NEBRASKA
MONTANA
DISTRICT OF
COLUMBIA
%
Collateral Balance Distribution by State
GROUP 2
Page 14 of 28
Distribution Date: Oct 25, 2006
DELINQUENCY SUMMARY REPORT
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
Current
30 - 59 days
60 - 89 days
90 - 120 days
120 + days
TOTAL
Delinquent
Loan Count
Sched Bal
Percentage
Actual Bal
6,331
1,062,878,018.18
97.58%
1,063,300,312.16
108
21,951,614.99
2.02%
21,974,673.60
26
4,369,094.51
0.40%
4,374,476.49
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
6,465
1,089,198,727.68
1,089,649,462.25
Bankruptcy
Loan Count
Sched Bal
Percentage
Actual Bal
3
311,919.36
85.98%
312,015.67
0
0.00
0.00%
0.00
1
50,868.48
14.02%
50,974.10
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
4
362,787.84
362,989.77
Foreclosure
Loan Count
Sched Bal
Percentage
Actual Bal
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00
REO
Loan Count
Sched Bal
Percentage
Actual Bal
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00
TOTAL
Loan Count
Sched Bal
Percentage
Actual Bal
6,334
1,063,189,937.54
97.58%
1,063,612,327.83
108
21,951,614.99
2.01%
21,974,673.60
27
4,419,962.99
0.41%
4,425,450.59
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
6,469
1,089,561,515.52
100.00%
1,090,012,452.02
All Groups
Current
30 - 59
days
60 - 89
days
Current
97.6%
30 - 59 days
2.0%
60 - 89 days
0.4%
90 - 120 days
0.0%
120 + days
0.0%
Total:
100.0%
Current
30 - 59 days
60 - 89 days
90 - 120 days
120 + days
TOTAL
Delinquent
Loan Count
Sched Bal
Percentage
Actual Bal
3,601
557,418,587.78
98.08%
557,672,761.20
52
9,143,609.56
1.61%
9,156,846.36
12
1,746,672.16
0.31%
1,748,906.82
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
3,665
568,308,869.50
568,578,514.38
Bankruptcy
Loan Count
Sched Bal
Percentage
Actual Bal
3
311,919.36
85.98%
312,015.67
0
0.00
0.00%
0.00
1
50,868.48
14.02%
50,974.10
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
4
362,787.84
362,989.77
Foreclosure
Loan Count
Sched Bal
Percentage
Actual Bal
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00
REO
Loan Count
Sched Bal
Percentage
Actual Bal
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00
TOTAL
Loan Count
Sched Bal
Percentage
Actual Bal
3,604
557,730,507.14
98.08%
557,984,776.87
52
9,143,609.56
1.61%
9,156,846.36
13
1,797,540.64
0.32%
1,799,880.92
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
3,669
568,671,657.34
100.00%
568,941,504.15
Group 1
Current
30 - 59 days
60 - 89 days
Current
98.1%
30 - 59 days
1.6%
60 - 89 days
0.3%
90 - 120 days
0.0%
120 + days
0.0%
Total:
100.0%
Page 15 of 28
Distribution Date: Oct 25, 2006
DELINQUENCY SUMMARY REPORT
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
Current
30 - 59 days
60 - 89 days
90 - 120 days
120 + days
TOTAL
Delinquent
Loan Count
Sched Bal
Percentage
Actual Bal
2,730
505,459,430.40
97.04%
505,627,550.96
56
12,808,005.43
2.46%
12,817,827.24
14
2,622,422.35
0.50%
2,625,569.67
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
2,800
520,889,858.18
521,070,947.87
Bankruptcy
Loan Count
Sched Bal
Percentage
Actual Bal
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00
Foreclosure
Loan Count
Sched Bal
Percentage
Actual Bal
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00
REO
Loan Count
Sched Bal
Percentage
Actual Bal
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
0
0.00
0.00
TOTAL
Loan Count
Sched Bal
Percentage
Actual Bal
2,730
505,459,430.40
97.04%
505,627,550.96
56
12,808,005.43
2.46%
12,817,827.24
14
2,622,422.35
0.50%
2,625,569.67
0
0.00
0.00%
0.00
0
0.00
0.00%
0.00
2,800
520,889,858.18
100.00%
521,070,947.87
Group 2
Current
30 - 59 days
60 - 89 days
Current
97.0%
30 - 59 days
2.5%
60 - 89 days
0.5%
90 - 120 days
0.0%
120 + days
0.0%
Total:
100.0%
Page 16 of 28
Distribution Date: Oct 25, 2006
DELINQUENCY SUMMARY REPORT
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
30 - 59 days
60 - 89 days
90 - 120 days
120 + days
TOTAL
Count
Balance ($)
% of Bal
Count
Balance ($)
% of Bal
Count
Balance ($)
% of Bal
Count
Balance ($)
% of Bal
Count
Balance ($)
% of Bal
Delinquent
108
21,951,614.99
83.40%
26
4,369,094.51
16.60%
0
0.00
0.00%
0
0.00
0.00%
134
26,320,709.50
Bankruptcy
0
0.00
0.00%
1
50,868.48
100.00%
0
0.00
0.00%
0
0.00
0.00%
1
50,868.48
Foreclosure
0
0.00
0.00%
0
0.00
0.00%
0
0.00
0.00%
0
0.00
0.00%
0
0.00
REO
0
0.00
0.00%
0
0.00
0.00%
0
0.00
0.00%
0
0.00
0.00%
0
0.00
TOTAL
108
21,951,614.99
83.24%
27
4,419,962.99
16.76%
0
0.00
0.00%
0
0.00
0.00%
135
26,371,577.98
100.00%
All Groups
30 - 59 days
60 - 89 days
90 - 120 days
120 + days
TOTAL
Count
Balance ($)
% of Bal
Count
Balance ($)
% of Bal
Count
Balance ($)
% of Bal
Count
Balance ($)
% of Bal
Count
Balance ($)
% of Bal
Delinquent
52
9,143,609.56
83.96%
12
1,746,672.16
16.04%
0
0.00
0.00%
0
0.00
0.00%
64
10,890,281.72
Bankruptcy
0
0.00
0.00%
1
50,868.48
100.00%
0
0.00
0.00%
0
0.00
0.00%
1
50,868.48
Foreclosure
0
0.00
0.00%
0
0.00
0.00%
0
0.00
0.00%
0
0.00
0.00%
0
0.00
REO
0
0.00
0.00%
0
0.00
0.00%
0
0.00
0.00%
0
0.00
0.00%
0
0.00
TOTAL
52
9,143,609.56
83.57%
13
1,797,540.64
16.43%
0
0.00
0.00%
0
0.00
0.00%
65
10,941,150.20
100.00%
Group 1
30 - 59 days
60 - 89 days
90 - 120 days
120 + days
TOTAL
Count
Balance ($)
% of Bal
Count
Balance ($)
% of Bal
Count
Balance ($)
% of Bal
Count
Balance ($)
% of Bal
Count
Balance ($)
% of Bal
Delinquent
56
12,808,005.43
83.00%
14
2,622,422.35
17.00%
0
0.00
0.00%
0
0.00
0.00%
70
15,430,427.78
Bankruptcy
0
0.00
0.00%
0
0.00
0.00%
0
0.00
0.00%
0
0.00
0.00%
0
0.00
Foreclosure
0
0.00
0.00%
0
0.00
0.00%
0
0.00
0.00%
0
0.00
0.00%
0
0.00
REO
0
0.00
0.00%
0
0.00
0.00%
0
0.00
0.00%
0
0.00
0.00%
0
0.00
TOTAL
56
12,808,005.43
83.00%
14
2,622,422.35
17.00%
0
0.00
0.00%
0
0.00
0.00%
70
15,430,427.78
100.00%
Group 2
34.67
6.82
0.00
0.00
48.57
9.94
0.00
0.00
120 + days
90 - 120 days
60 - 89 days
30 - 59 days
0
10
20
30
40
50
Group 1
Group 2
0
10
20
30
40
50
%
%
Distribution of Delinquencies By Group and Days. (total 100%)
41.30
0.19
0.00
0.00
58.51
0.00
0.00
0.00
REO
Foreclosure
Bankruptcy
Delinquent
0
10
20
30
40
50
60
Group 1
Group 2
0
10
20
30
40
50
60
%
%
Distribution of Delinquencies By Group and Status Type. (total 100%)
Page 17 of 28
Distribution Date: Oct 25, 2006
DELINQUENCY HISTORY REPORT - SIX MONTHS
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
October 2006
Count
Balance ($)
30 - 59 days
108
21,951,614.99
60 - 89 days
27
4,419,962.99
Bankruptcy
4
362,787.84
All Groups
* Delinquency counts and amounts include loans in Bankruptcy, Forclosure and REO's
0.00M
10.00M
20.00M
30.00M
40.00M
10
/1
/2
00
6
Balance ($)
30 - 59 days
0.00M
10.00M
20.00M
30.00M
40.00M
10
/1
/2
00
6
Balance ($)
60 - 89 days
0.00M
10.00M
20.00M
30.00M
40.00M
10
/1
/2
00
6
Balance ($)
Bankruptcy
Page 18 of 28
Distribution Date: Oct 25, 2006
DELINQUENCY HISTORY REPORT - SIX MONTHS
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
October 2006
Count
Balance ($)
30 - 59 days
52
9,143,609.56
60 - 89 days
13
1,797,540.64
Bankruptcy
4
362,787.84
Group 1
* Delinquency counts and amounts include loans in Bankruptcy, Forclosure and REO's
0M
10M
20M
30M
40M
10
/1
/2
00
6
Balance ($)
30 - 59 days
0M
10M
20M
30M
40M
10
/1
/2
00
6
Balance ($)
60 - 89 days
0M
10M
20M
30M
40M
10
/1
/2
00
6
Balance ($)
Bankrupcty
Page 19 of 28
Distribution Date: Oct 25, 2006
DELINQUENCY HISTORY REPORT - SIX MONTHS
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
October 2006
Count
Balance ($)
30 - 59 days
56
12,808,005.43
60 - 89 days
14
2,622,422.35
Group 2
* Delinquency counts and amounts include loans in Bankruptcy, Forclosure and REO's
0M
10M
20M
30M
40M
10
/1
/2
00
6
Balance ($)
30 - 59 days
0M
10M
20M
30M
40M
10
/1
/2
00
6
Balance ($)
60 - 89 days
Page 20 of 28
Distribution Date: Oct 25, 2006
CPR/CDR HISTORY REPORT - SIX MONTHS
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
Group 1
Group 2
Total
Current
11.20%
5,658,841.98
9.47%
4,335,210.50
10.38%
9,994,052.48
Life CPR
11.20%
9.47%
10.38%
Voluntary Constant Prepayment Rates (CPR)
Group 1
Group 2
Total
Current
0.00%
0.00
0.00%
0.00
0.00%
0.00
Life CDR
0.00%
0.00%
0.00%
Constant Default Rates (CDR)
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
70.00%
80.00%
90.00%
100.00%
10/1/2006
Group 1
Group 2
Total
Percentage
Current CPR
0M
10M
20M
30M
40M
10/1/2006
Group 1
Group 2
Total
Amount ($)
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
70.00%
80.00%
90.00%
100.00%
10/1/2006
Group 1
Group 2
Total
Percentage
Current CDR
0M
10M
20M
30M
40M
10/1/2006
Group 1
Group 2
Total
Amount ($)
Page 21 of 28
Distribution Date: Oct 25, 2006
BANKRUPTCY LOAN DETAIL REPORT
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
Bankruptcy
Count
Balance ($)
%
GROUP 1
4
362,787.84
100.00%
TOTAL:
4
362,787.84
100.00%
GROUP 1
GROUP 1 100.0%
Total:
100.0%
GROUP 1
Next Due Date
Rate %
Ending Balance
Original Balance
Loan Number
Orig Term
121074687
51,000.00
50,868.48
9.35%
07/01/2006
360
121075370
89,100.00
89,042.92
10.00%
10/01/2006
360
121075603
89,100.00
89,019.27
8.84%
10/01/2006
360
121091104
134,100.00
133,857.17
9.95%
10/01/2006
360
Total:
4
362,787.84
363,300.00
Page 22 of 28
Distribution Date: Oct 25, 2006
FORECLOSURE LOAN DETAIL REPORT
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
# None #
Next Due Date
Rate %
Ending Balance
Original Balance
Loan Number
Orig Term
Total:
Page 23 of 28
Distribution Date: Oct 25, 2006
REO LOAN DETAIL REPORT
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
# None #
Next Due Date
Rate %
Ending Balance
Original Balance
Loan Number
Orig Term
New REO?
Book Value
Total:
Page 24 of 28
Distribution Date: Oct 25, 2006
PREPAYMENT & LIQUIDATION LOAN DETAIL REPORT
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
Count
Original
Balance
Prepayment
Liquidation
Group
Begin Balance
GROUP 1
28
5,646,550.00
5,637,403.61
0.00
574,602,468.74
GROUP 2
20
4,322,548.00
4,317,633.62
0.00
525,397,627.46
TOTAL:
48
9,969,098.00
9,955,037.23
0.00
0.98%
99.02%
1
0.82%
99.18%
2
Prepayment
Liquidation
Beginning Balance
GROUP 1
Prepayment
Scheduled
Principal
Beginning
Balance
Original
Balance
Loan Num
Liquidation
Proceeds
Loss
Add'l Loss
Payoff Desc
Paid Off
Date
Add'l Loss
Date
Loan Rate
Loss
Severity
Prepayment
Penalty
121021803
280,500.00
279,753.89
279,601.22
0.00
0.00
0.00 Voluntary PIF
09/30/2006
152.67
9.200%
13,987.69
121088089
261,900.00
261,420.24
261,258.19
0.00
0.00
0.00 Voluntary PIF
09/12/2006
162.05
8.500%
5,231.62
121095838
91,800.00
91,724.15
91,685.74
0.00
0.00
0.00 Voluntary PIF
09/30/2006
38.41
10.340%
916.88
121098607
351,400.00
351,392.88
351,392.88
0.00
0.00
0.00 Voluntary PIF
09/30/2006
0.00
7.830%
0.00
121106248
60,000.00
59,831.58
59,789.17
0.00
0.00
0.00 Voluntary PIF
09/30/2006
42.41
7.875%
1,883.31
121106847
170,000.00
169,793.29
169,688.83
0.00
0.00
0.00 Voluntary PIF
09/30/2006
104.46
8.500%
0.00
121147661
80,000.00
80,000.00
80,000.00
0.00
0.00
0.00 Voluntary PIF
09/28/2006
0.00
10.090%
800.00
121051013
500,000.00
498,892.89
498,610.91
0.00
0.00
0.00 Voluntary PIF
09/30/2006
281.98
8.990%
0.00
121088380
240,000.00
240,000.00
240,000.00
0.00
0.00
0.00 Voluntary PIF
09/13/2006
0.00
7.750%
0.00
121088429
107,950.00
107,735.20
107,662.63
0.00
0.00
0.00 Voluntary PIF
09/22/2006
72.57
8.090%
0.00
121095217
200,000.00
199,752.75
199,674.43
0.00
0.00
0.00 Voluntary PIF
09/26/2006
78.32
10.700%
0.00
121135862
89,000.00
88,915.74
88,873.10
0.00
0.00
0.00 Voluntary PIF
09/13/2006
42.64
9.700%
0.00
121146668
330,000.00
330,000.00
330,000.00
0.00
0.00
0.00 Voluntary PIF
09/30/2006
0.00
9.555%
12,612.60
121147711
20,000.00
19,992.86
19,985.65
0.00
0.00
0.00 Voluntary PIF
09/28/2006
7.21
10.990%
200.00
121148310
200,000.00
200,000.00
200,000.00
0.00
0.00
0.00 Voluntary PIF
09/30/2006
0.00
6.990%
9,000.00
121148819
193,000.00
193,000.00
193,000.00
0.00
0.00
0.00 Voluntary PIF
09/30/2006
0.00
7.990%
9,650.00
121088093
279,600.00
279,113.90
278,949.50
0.00
0.00
0.00 Voluntary PIF
09/28/2006
164.40
8.750%
9,771.87
121088467
141,300.00
141,066.21
140,987.11
0.00
0.00
0.00 Voluntary PIF
09/30/2006
79.10
8.990%
1,410.66
121089872
354,000.00
353,038.41
352,794.00
0.00
0.00
0.00 Voluntary PIF
09/08/2006
244.41
7.990%
0.00
121095826
158,000.00
157,877.22
157,815.30
0.00
0.00
0.00 Voluntary PIF
09/30/2006
61.92
6.940%
7,896.94
121106383
120,000.00
119,734.83
119,667.29
0.00
0.00
0.00 Voluntary PIF
08/15/2006
67.54
9.000%
0.00
121107005
204,900.00
204,663.36
204,543.75
0.00
0.00
0.00 Voluntary PIF
09/30/2006
119.61
8.750%
0.00
121111821
156,000.00
155,927.96
155,891.54
0.00
0.00
0.00 Voluntary PIF
09/30/2006
36.42
8.750%
5,456.56
Page 25 of 28
Distribution Date: Oct 25, 2006
PREPAYMENT & LIQUIDATION LOAN DETAIL REPORT
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
GROUP 1
Prepayment
Scheduled
Principal
Beginning
Balance
Original
Balance
Loan Num
Liquidation
Proceeds
Loss
Add'l Loss
Payoff Desc
Paid Off
Date
Add'l Loss
Date
Loan Rate
Loss
Severity
Prepayment
Penalty
121088395
225,900.00
225,395.77
225,268.34
0.00
0.00
0.00 Voluntary PIF
09/30/2006
127.43
8.990%
0.00
121088486
200,000.00
199,805.39
199,739.70
0.00
0.00
0.00 Voluntary PIF
09/30/2006
65.69
7.590%
1,998.05
121088655
272,800.00
272,235.91
272,045.40
0.00
0.00
0.00 Voluntary PIF
09/30/2006
190.51
7.900%
2,387.15
121106900
210,000.00
210,000.00
210,000.00
0.00
0.00
0.00 Voluntary PIF
09/21/2006
0.00
8.625%
0.00
121147477
148,500.00
148,489.51
148,478.93
0.00
0.00
0.00 Voluntary PIF
09/30/2006
10.58
9.490%
1,484.79
Total:
28
5,646,550.00
5,639,553.94
2,150.33
5,637,403.61
0.00
0.00
0.00
84,688.12
GROUP 2
Prepayment
Scheduled
Principal
Beginning
Balance
Original
Balance
Loan Num
Liquidation
Proceeds
Loss
Add'l Loss
Payoff Desc
Paid Off
Date
Add'l Loss
Date
Loan Rate
Loss
Severity
Prepayment
Penalty
121088752
61,617.00
61,566.47
61,549.28
0.00
0.00
0.00 Voluntary PIF
09/30/2006
17.19
12.250%
0.00
121089979
271,550.00
271,550.00
271,550.00
0.00
0.00
0.00 Voluntary PIF
09/01/2006
0.00
8.350%
9,069.77
121149097
199,750.00
199,604.70
199,458.48
0.00
0.00
0.00 Voluntary PIF
09/27/2006
146.22
7.600%
0.00
121088315
246,468.00
245,993.27
245,832.84
0.00
0.00
0.00 Voluntary PIF
09/30/2006
160.43
8.250%
0.00
121088800
57,685.00
57,607.64
57,581.42
0.00
0.00
0.00 Voluntary PIF
09/01/2006
26.22
9.990%
0.00
121106292
198,000.00
197,673.08
197,562.47
0.00
0.00
0.00 Voluntary PIF
09/30/2006
110.61
9.000%
0.00
121106738
237,600.00
237,264.71
237,151.13
0.00
0.00
0.00 Voluntary PIF
08/21/2006
113.58
9.750%
0.00
121106739
59,400.00
59,345.58
59,327.08
0.00
0.00
0.00 Voluntary PIF
08/21/2006
18.50
11.750%
0.00
121109078
107,294.00
107,238.81
107,210.78
0.00
0.00
0.00 Voluntary PIF
09/30/2006
28.03
12.500%
5,361.25
121109359
174,348.00
174,348.00
174,348.00
0.00
0.00
0.00 Voluntary PIF
09/30/2006
0.00
8.250%
8,717.40
121089986
67,850.00
67,775.42
67,756.29
0.00
0.00
0.00 Voluntary PIF
09/01/2006
19.13
12.250%
3,321.24
121098439
243,000.00
242,999.92
242,999.92
0.00
0.00
0.00 Voluntary PIF
09/26/2006
0.00
9.400%
3,807.00
121135859
483,000.00
482,556.98
482,332.74
0.00
0.00
0.00 Voluntary PIF
09/18/2006
224.24
9.850%
4,830.00
121146645
119,980.00
119,883.18
119,834.13
0.00
0.00
0.00 Voluntary PIF
09/30/2006
49.05
10.450%
0.00
121088273
234,500.00
234,327.11
234,268.66
0.00
0.00
0.00 Voluntary PIF
09/06/2006
58.45
8.550%
0.00
121088408
230,742.00
230,742.00
230,742.00
0.00
0.00
0.00 Voluntary PIF
09/01/2006
0.00
7.550%
1,935.67
121090861
380,000.00
378,488.43
378,402.28
0.00
0.00
0.00 Voluntary PIF
09/21/2006
86.15
9.290%
3,785.74
121090985
477,000.00
477,000.00
477,000.00
0.00
0.00
0.00 Voluntary PIF
09/30/2006
0.00
9.650%
4,770.00
121109003
429,177.00
429,177.00
429,177.00
0.00
0.00
0.00 Voluntary PIF
09/30/2006
0.00
8.550%
14,677.85
121109545
43,587.00
43,561.87
43,549.12
0.00
0.00
0.00 Voluntary PIF
09/30/2006
12.75
11.990%
2,178.09
Total:
20
4,322,548.00
4,318,704.17
1,070.55
4,317,633.62
0.00
0.00
0.00
62,454.01
Page 26 of 28
Distribution Date: Oct 25, 2006
MATERIAL MODIFICATIONS, EXTENSIONS, WAIVERS LOAN DETAIL REPORT
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
#
U.S. Bank National Association in its respective capacity under the transaction documents is not aware of any
material modifications, extensions or waivers to pool asset terms, fees, penalties or payments #
Page 27 of 28
Distribution Date: Oct 25, 2006
MATERIAL BREACHES LOAN DETAIL REPORT
Contact:
SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST, MORTGAGE LOAN
ASSET-BACKED CERTIFICATES, SERIES 2006-BC4
Derek Klein
Account Administrator
651-495-3849
derek.klein@usbank.com
#
U.S. Bank National Association in its respective capacity under the transaction documents is not aware of any
material modifications, extensions or waivers to pool asset terms, fees, penalties or payments #
Page 28 of 28