EX-99.06 7 ex99-06.htm CANOPY SUPPLEMENTAL DATA REPORT

 

MFA 2024-NQM1 Trust ABS-15G

EXHIBIT 99.06

 

Loan ID Seller Loan ID Investor Loan ID Loan Program Guideline Product Name Originator Name Originating Entity CDFI Flag Guideline Name Guideline Author Guideline Date Guideline Version Application Date TILA Status TRID GSE Verified Safe Harbor Flag Verified Safe Harbor Reference Document QM Regulation Failures ATR QM Total Points and Fees Audit Loan Regulation Benchmark Date Benchmark Rate AUS Decision System Rating Result Property Inspection Waiver (PIW) Calculated APR HUD 1 Page 1 Credits Total Verified Qualifying Rate Originator Qualifying Rate Qualifying P&I Default Interest Rate Present Default Interest Rate Annual Property Tax Monthly Property Tax Annual Insurance Costs Monthly Insurance Cost Annual HOA Costs Monthly HOA Costs Monthly Other Costs PITIA Residual Income HOA Name HOA Address State HOA Fee Amount HOA Next Due Date HOA Payment Frequency Originator DTI TPR Verified DTI QM DTI Is Borrower Non Occupant Is Co Borrower Non Occupant Co Borrower 2 Asset Verification Level Co Borrower 3 Asset Verification Level Co Borrower 2 Income Verification Level Co Borrower 3 Income Verification Level Co Borrower 2 Employment Verification Level Co Borrower 3 Employment Verification Level Borrower Employment Indicator Co Borrower Employment Indicator Co Borrower 2 Employment Indicator Co Borrower 3 Employment Indicator Co Borrower 2 Length of Employment Co Borrower 3 Length of Employment Document Level Borrower Years of W2s/1099 CoBorrower Years of W2s/1099 Borrower Months of Paystubs Verified Co Borrower Months of Paystubs Verified Borrower Employment Gap Letter Borrower Months of Employment Gap Co Borrower Employment Gap Letter Co Borrower Months of Employment Gap Borrower Years of Personal Tax Returns Borrower Years of Business Tax Returns CoBorrower Years of Personal Tax Returns CoBorrower Years of Business Tax Returns Years of 4506T Years of Tax Transcripts Borrower Award/Offer Letter Co Borrower Award/Offer Letter Asset Depletion Flag Partial Asset Depletion Flag Asset Depletion Months Amortized Asset Utilization Flag (No DTI) Borrower Bank Statements Flag Borrower Bank Statement Summary/Lender Worksheet Borrower Number of Personal Bank Statements Borrower Number of Business Bank Statements CoBorrower Bank Statements Flag Co Borrower Bank Statement Summary/Lender Worksheet CoBorrower Number of Personal Bank Statements CoBorrower Number of Business Bank Statements Percent of Income From Statements Borrower Business Ownership % CoBorrower Business Ownership % Bespoke Eligible Assets Borrower P&L Type Borrower Number of Months P&L Borrower P&L Prepared By CoBorrower P&L Type CoBorrower P&L Prepared By CoBorrower Number of Months P&L Borrower CPA Letter Flag # of Months CPA verified income CoBorrower CPA Letter Flag CoBorrower # of Months CPA verified income Borrower WVOE Flag Borrower # of Months Employment Validated WVOE Borrower # of Months Income Validated WVOE Borrower WVOE Form Type CoBorrower WVOE Flag CoBorrower # of Months WVOE CoBorrower # of Months Income Validated WVOE CoBorrower WVOE Form Type DSCR Flag TPR DSCR Originator DSCR Expense Letter Income Doc Detail Tax Return Doc Details Property Address Property City Property State Property Zip Property County Original Credit Report Date Borrower 1 Credit Report Date Borrower 2 Credit Report Date Borrower 3 Credit Report Date Borrower 4 Credit Report Date Qualifying Credit Score Third Wage Earner Original FICO Equifax Third Wage Earner Original FICO Experian Third Wage Earner Original FICO Transunion Fourth Wage Earner Original FICO Equifax Fourth Wage Earner Original FICO Experian Fourth Wage Earner Original FICO Transunion Most Recent Updated Credit Report Date Third Wage Earner Updated FICO Equifax Third Wage Earner Updated FICO Experian Third Wage Earner Updated FICO Transunion Fourth Wage Earner Updated FICO Equifax Fourth Wage Earner Updated FICO Experian Fourth Wage Earner Updated FICO Transunion Most Recent Updated Co Borrower 2 FICO Most Recent Updated Co Borrower 3 FICO Most Recent Bankruptcy Type Most Recent Bankruptcy Filing Date Most Recent Bankruptcy Discharge Date Number of Bankruptcy Events Months Bankruptcy 7 11  Months Bankruptcy 13  Most Recent Deed in Lieu Date Number of Deed in Lieu Events Months Deed in Lieu Most Recent Short Sale Date Number of Short Sale Events Months Short Sale (or Pre FC)  Most Recent Foreclosure Date Number of Foreclosure Events Months Foreclosure Prior Mortgage/Rent Late 30d in 24m  Prior Mortgage/Rent Late 60d in 24m  Prior Mortgage/Rent Late 90d in 24m  Has ACH Is Equity Shared Loan Subordinate Lien Type Is Shared Appreciation Mortgage Borrower Originator Citizenship Designation Borrower Verified Citizenship Designation Borrower Individual Tax Identification Number (ITIN)? Borrower Photo Identification Type Borrower Photo Identification Other Type Borrower Photo ID State of Issuance Borrower Photo ID Country of Issuance Borrower Photo ID Expiration Date Borrower Passport Country of Origin Borrower Passport Expiration Date Borrower Non-US Citizen Identification Document Borrower Date of Resident Since/Valid Date Borrower Non-US Document Expiration Date Co Borrower Originator Citizenship Designation  Co Borrower Verified Citizenship Designation Co Borrower Individual Tax Identification Number (ITIN)? Co Borrower Photo Identification Type Co Borrower Photo Identification Other Type  Co Borrower Photo ID State of Issuance Co Borrower Photo ID Country of Issuance Co Borrower Photo ID Expiration Date Co Borrower Passport Country of Origin Co Borrower Passport Expiration Date Co Borrower Non-US Citizen Identification Document Co Borrower Date of Resident Since/Valid Date Co Borrower Non-US Document Expiration Date Co Borrower 2 Originator Citizenship Designation  Co Borrower 2 Verified Citizenship Designation Co Borrower 2 Individual Tax Identification Number (ITIN)? Co Borrower 2 Photo Identification Type Co Borrower 2 Photo Identification Other Type  Co Borrower 2 Photo ID State of Issuance Co Borrower 2 Photo ID Country of Issuance Co Borrower 2 Photo ID Expiration Date Co Borrower 2 Passport Country of Origin Co Borrower 2 Passport Expiration Date Co Borrower 2 Non-US Citizen Identification Document Co Borrower 2 Date of Resident Since/Valid Date Co Borrower 2 Non-US Document Expiration Date Co Borrower 3 Originator Citizenship Designation  Co Borrower 3 Verified Citizenship Designation Co Borrower 3 Individual Tax Identification Number (ITIN)? Co Borrower 3 Photo Identification Type Co Borrower 3 Photo Identification Other Type  Co Borrower 3 Photo ID State of Issuance Co Borrower 3 Photo ID Country of Issuance Co Borrower 3 Photo ID Expiration Date Co Borrower 3 Passport Country of Origin Co Borrower 3 Passport Expiration Date Co Borrower 3 Non-US Citizen Identification Document Co Borrower 3 Date of Resident Since/Valid Date Co Borrower 3 Non-US Document Expiration Date Property Rights Buydown Flag Assumable Mortgage Flag Foreign National Alternative Credit Documentation Liquid / Cash Reserves Months Liquid Reserves Total Assets Available for Reserves Months Reserves Blanket Mortgage Flag Qualifying HCLTV Condo Warrantability Flag
52483 xxx   xxx xxx xxx       xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 21295 05/17/2021 2.990%     No 5.537%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx   xxx xxx xxx 08/01/2021   8.36%% 8.37% 8.37% No No             Self-Employed           12 Month Bank Statement 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No No     12 No       100.00% 100.00%     NA     NA     NA   No   NA       NA       No 0   No Borrower - 12 Business Bank Statements Verified || Co Borrower Borrower || Co Borrower xxx xxx PA xxx xxx xxx xxx xxx     xxx                               NA     0       0     0     0   0 0 0 Unknown No   No Non Permanent Resident Alien           XXXX             Non Permanent Resident Alien           XXXX                                                                 Fee Simple No     xxx 351.00 xxx 351   73.03 N/A
51372 xxx   xxx xxx xxx       xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 5959 06/14/2021 3.010%     No 5.239%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx       $0.00     28.30%% 28.30% 28.30% No               Employed           Full Doc 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No No       No       0.00% 0.00%     NA     NA     NA   No   Yes       NA       No 0   No Borrower - Wage - Written VOE Verified Borrower xxx xxx NV xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No   No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 6.00 xxx 6   80.0 N/A
51344 xxx   xxx xxx xxx       xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No   Qualifying DTI Exceeds 43% 4895 06/07/2021 3.040%     No 5.499%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx       $0.00     48.71%% 48.71% 48.71% No               Employed           Full Doc 0 0 2+ Months NA         2 0 0 0 0 0 NA NA No No   No No       No       0.00% 100.00%     NA     NA     NA   No   Yes 24     NA       No 0   N/A Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, Written VOE Verified Borrower - 2 YRS Personal Tax Returns Verified xxx xxx IL xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No   No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 11.00 xxx 11   0 N/A
52511 xxx   xxx xxx xxx       xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 12927.5 05/24/2021 3.050%     No 5.604%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx   xxx xxx xxx 09/01/2021   42.21%% 42.21% 42.21% No No             Self-Employed           12 Month Bank Statement 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No No     12 No     12 100.05% 50.00% 50.00%   NA     NA     Yes   Yes   NA       NA       No 0   N/A Borrower - Other - CPA Letter Verified, 12 Business Bank Statements Verified || Co Borrower - Other - CPA Letter Verified, 12 Business Bank Statements Verified Borrower || Co Borrower xxx xxx FL xxx xxx xxx xxx xxx     xxx                               NA     0       0     0     0   0 0 0 Unknown No   No Non Permanent Resident Alien           XXXX             Non Permanent Resident Alien           XXXX                                                                 Fee Simple No     xxx 2.00 xxx 2   73.44 N/A
52622 xxx   xxx xxx xxx       xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 4215 06/14/2021 3.010%     No 5.243%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx       $0.00     42.61%% 42.61% 42.61% No No             Employed           Full Doc 0 0 2+ Months 2+ Months         2 0 2 0 0 0 NA NA No No   No No       No       0.00% 0.00% 0.00%   NA     NA     NA   No   Yes 30     Yes       No 0     Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, Written VOE Verified || Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, Written VOE Verified Borrower - 2 YRS Personal Tax Returns Verified || Co Borrower - 2 YRS Personal Tax Returns Verified xxx xxx OR xxx xxx xxx xxx xxx     xxx                               NA     0       0     0     0   0 0 0 Unknown No   No Non Permanent Resident Alien           XXXX             Non Permanent Resident Alien                                                                             Fee Simple No     xxx 7.00 xxx 7   80.0 N/A
52587 xxx   xxx xxx xxx       xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 9435 06/28/2021 3.070%     No 5.233%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx       $0.00     39.96%% 39.94% 39.94% No               Self-Employed           Full Doc 2 0 2+ Months NA         2 0 0 0 2 0 NA NA No No   No No       No       0.00% 100.00%     Borrower Prepared 6   NA     NA   No   Yes 30     NA       No 0     Borrower - Wage - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified xxx xxx FL xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No   No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 35.00 xxx 35   80.0 N/A
56000 xxx   xxx xxx xxx       xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 8495 08/02/2021 2.850%     No 5.242%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx       $0.00     35.67%% 35.67% 35.67% No               Employed           Full Doc 1 0 2+ Months NA         2 0 0 0 0 0 NA NA No No   No No       No       0.00% 0.00%     NA     NA     NA   No   NA       NA       No 0     Borrower - Wage - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified Borrower - 2 YRS Personal Tax Returns Verified xxx xxx IL xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No   No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 21.00 xxx 21   80.0 N/A
55973 xxx   xxx xxx xxx       xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 6243 07/26/2021 2.830%     No 5.578%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx       $0.00     9.27%% 9.27% 9.27% No               Self-Employed           12 Month Bank Statement 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No No     12 No       100.00% 100.00%     NA     NA     Yes   No   Yes       NA       No 0     Borrower - SESoleProprietor - CPA Letter Verified, Written VOE Verified, 12 Business Bank Statements Verified Borrower xxx xxx MD xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No   No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 92.00 xxx 92   74.99 N/A
55989 xxx   xxx xxx xxx       xxx xxx xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 10585 08/02/2021 2.850%     No 5.452%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx       $0.00     41.68%% 41.65% 41.65% No               Employed           Full Doc 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No No       No       0.00% 0.00%     NA     NA     NA   No   Yes       NA       No 0   N/A Borrower - Wage - Written VOE Verified Borrower xxx xxx CA xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No   No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 15.00 xxx 15   80.0 N/A
60657 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 2529.68 10/25/2021 3.140%     No 6.065%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx             36.03%% 36.03% 36.03% No               Employed           Full Doc 0 0 2+ Months NA         2 0 0 0 0 0 NA NA No No   No No   2   No       0.00% 0.00%     NA     NA     NA   No   NA       NA       No 0   N/A Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, 1 Month Personal Bank Statements Verified Borrower - 2 YRS Personal Tax Returns Verified xxx xxx IL xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No N/A No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 1.00 xxx 1   75 N/A
60567 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 6238 10/25/2021 3.140%     No 5.682%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx   xxx xxx xxx 01/01/2022 Monthly 38.18%% 38.18% 38.18% No               Self-Employed           12 Month Bank Statement 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No No     12 No       100.00% 100.00%     NA     NA     NA   No   NA       NA       No 0     Borrower - SESoleProprietor - 12 Business Bank Statements Verified Borrower xxx xxx IL xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No   No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 11.00 xxx 11   79.99 N/A
60719 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 7810 11/08/2021 3.140%     No 5.974%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx     AZ $65.00   Monthly 39.29%% 39.04% 39.04% No               Employed           Full Doc 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No No   3   No       0.00% 0.00%     NA     NA     NA   No   Yes 33     NA       No 0     Borrower - Wage - Written VOE Verified, 1 Month Personal Bank Statements Verified Borrower xxx xxx AZ xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No   No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 38.00 xxx 38   80 N/A
60489 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 8495 08/30/2021 2.920%     No 4.208%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx             18.69%% 18.69% 18.69% No               Employed           Full Doc 0 0 2+ Months NA         2 0 0 0 0 0 NA NA No No   No No       No       0.00% 0.00%     NA     NA     NA   No   Yes 33     NA       No 0     Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, Written VOE Verified Borrower - 2 YRS Personal Tax Returns Verified xxx xxx CA xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No   No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 4.00 xxx 4   34.78 N/A
61759 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 500 10/25/2021 3.140%     No 5.210%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx             17.37%% 16.86% 16.86% No               Self-Employed           Full Doc 0 0 NA NA         2 0 0 0 0 0 NA NA No No   No No   6 3 No       0.00% 100.00%     Borrower Prepared 10   NA     Yes   No   NA       NA       No 0     Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 6 Personal Bank Statements Verified, 1 Month Business Bank Statements Verified, 1040 Schedule E Verified Borrower - 2 YRS Personal Tax Returns Verified, 1040 Schedule E Verified xxx xxx GA xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No N/A No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 108.00 xxx 108   70 N/A
61784 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 4000 11/01/2021 3.200%     No 4.785%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx             42.10%% 42.10% 42.10% No               Self-Employed           Full Doc 0 0 NA NA         2 2 0 0 2 2 NA NA No No   No No       No       0.00% 100.00%     Third-Party Prepared (Unaudited) 11   NA     NA   No   NA       NA       No 0     Borrower - SECorporation - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified xxx xxx CO xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No   No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 81.00 xxx 81   65 N/A
61797 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 9930 11/01/2021 3.200%     No 3.403%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx             27.75%% 27.75% 27.75% No No             Self-Employed           12 Month Bank Statement 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No No   12   No   12   142.67% 100.00% 50.00%   NA     NA     Yes   Yes   NA       NA       No 0     Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal Bank Statements Verified || Co Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal Bank Statements Verified Borrower || Co Borrower xxx xxx CA xxx xxx xxx xxx xxx     xxx                               NA     0       0     0     0   0 0 0 Unknown No N/A No Non Permanent Resident Alien           XXXX             Non Permanent Resident Alien           XXXX                                                                 Fee Simple No     xxx 3.00 xxx 3   41.94 N/A
61875 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Qualifying DTI Exceeds 43% 9597.24 11/29/2021 3.160%     No 6.169%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx   xxx xxx xxx 02/01/2022 Annually 48.45%% 35.90% 35.90% No               Employed           Full Doc 0 0 2+ Months NA         0 0 0 0 0 0 NA NA No No   No No       No       0.00% 0.00%     NA     NA     NA   No   Yes 36     NA       No 0   N/A Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified Borrower xxx xxx TX xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No N/A No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 7.00 xxx 7   70 N/A
61722 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Qualifying DTI Exceeds 43% 2925 10/11/2021 3.040%     No 4.795%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx     MD $74.00   Monthly 50.44%% 49.27% 49.27% No No             Self-Employed           12 Month Bank Statement 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No No   12   No   12   0.00% 100.00% 100.00%   N/A     N/A     Yes   Yes   NA       NA       No 0     Borrower - SESoleProprietor - CPA Letter Verified, null Executed 4506T Verified, 12 Personal Bank Statements Verified || Co Borrower - SESoleProprietor - CPA Letter Verified, null Executed 4506T Verified, 12 Personal Bank Statements Verified Borrower - null Executed 4506T Verified || Co Borrower - null Executed 4506T Verified xxx xxx MD xxx xxx xxx xxx xxx     xxx                               NA     0       0     0     0   0 0 0 Unknown No   No US Citizen           XXXX             US Citizen           XXXX                                                                 Fee Simple No     xxx .27 xxx 0.27   62.9 N/A
61693 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 5045 09/20/2021 2.910%     No 4.229%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx             32.08%% 32.08% 32.08% No               Employed           12 Month Bank Statement 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No No       No       0.00% 0.00%     N/A     N/A     NA   No   Yes 24     NA       No 0     Borrower - Wage - Written VOE Verified Borrower xxx xxx IL xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No   No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 18.43 xxx 18.43   60.48 N/A
61835 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 7249 11/15/2021 3.030%     No 4.977%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx             34.58%% 37.20% 37.20% No               Self-Employed           12 Month Bank Statement 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No No   12   No       82.83% 100.00%     N/A     N/A     Yes   No   NA       NA       No 0     Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 12 Personal Bank Statements Verified Borrower xxx xxx TX xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No   No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 12.00 xxx 12   80 N/A
61852 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 6695 11/22/2021 3.160%     No 5.069%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx   xxx xxx xxx 02/01/2022 Annually 21.64%% 21.64% 21.64% No               Self-Employed           12 Month Bank Statement 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No No     12 No       100.00% 100.00%     N/A     N/A     Yes   No   NA       NA       No 0     Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 12 Business Bank Statements Verified Borrower xxx xxx CO xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No N/A No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 55.00 xxx 55   80 N/A
61676 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Qualifying DTI Exceeds 43% 6470 11/08/2021 3.140%     No 5.388%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx             49.91%% 49.91% 49.91% No               Employed           Full Doc 0 0 2+ Months NA         2 0 0 0 0 0 NA NA No No   No No       No       0.00% 100.00%     N/A     N/A     NA   No   Yes 24     NA       No 0     Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, Written VOE Verified, Lease Agreements Verified Borrower - 2 YRS Personal Tax Returns Verified xxx xxx CA xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No   No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 13.00 xxx 13   75 N/A
61704 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 9328 10/04/2021 3.060%     No 5.287%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx             23.29%% 23.02% 23.02% No               Self-Employed           12 Month Bank Statement 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No No     12 No       100.00% 100.00%     N/A     N/A     Yes   No   NA       NA       No 0     Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified Borrower xxx xxx CT xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No   No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 49.00 xxx 49   80 N/A
61862 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 5295 11/22/2021 3.160%     No 5.744%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx   xxx xxx xxx 02/01/2022 Monthly 10.45%% 10.97% 10.97% No               Self-Employed           12 Month Bank Statement 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No No     12 No       100.00% 98.00%     NA     NA     Yes   No   NA       NA       No 0     Borrower - Other - CPA Letter Verified, 12 Business Bank Statements Verified Borrower xxx xxx AZ xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No N/A No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 20.00 xxx 20   65 N/A
61772 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 8553.13 10/25/2021 3.140%     No 5.563%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx   xxx xxx xxx   Annually 44.08%% 41.67% 41.67% No               Self-Employed           12 Month Bank Statement 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No No     12 No       100.00% 100.00%     N/A     N/A     Yes   No   NA       NA       No 0     Borrower - Other - CPA Letter Verified, 12 Business Bank Statements Verified Borrower xxx xxx NV xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No N/A No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 6.00 xxx 6   68.29 N/A
63659 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 9395 01/24/2022 3.620%     No 6.117%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx             17.570%% 17.23% 17.23% No               Self-Employed           12 Month Bank Statement 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No No     12 No       100.00% 100.00%     NA     NA     Yes   No   NA       NA       No 0     Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified Borrower xxx xxx FL xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No N/A No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 3.00 xxx 3   75 N/A
63708 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Qualifying DTI Exceeds 43% 6295 01/31/2022 3.610%     No 4.878%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx             46.970%% 46.97% 46.97% No               Self-Employed           12 Month Bank Statement 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No No   12   No       100.00% 0.00%     NA     NA     Yes   No   NA       NA       No 0     Borrower - SEPartnership - CPA Letter Verified, 12 Personal Bank Statements Verified Borrower xxx xxx CA xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No   No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 53.00 xxx 53   30.77 N/A
63779 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 6895 02/14/2022 3.760%     No 4.994%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx             24.060%% 24.71% 24.71% No               Self-Employed           12 Month Bank Statement 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No No     12 No       100.00% 100.00%     NA     NA     Yes   No   NA       NA       No 0     Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 12 Business Bank Statements Verified Borrower xxx xxx GA xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No   No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 21.00 xxx 21   80 N/A
63717 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 6015 01/31/2022 3.610%     No 5.045%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx             47.45%% 49.26% 49.26% No               Self-Employed           12 Month Bank Statement 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No No   12   No       100.00% 100.00%     N/A     N/A     Yes   No   NA       NA       No 0     Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal Bank Statements Verified Borrower xxx xxx PA xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No N/A No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 38.00 xxx 38   80 N/A
63719 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 16295 01/31/2022 3.610%     No 4.947%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx             18.08%% 18.08% 18.08% No No             Not Employed           12 Month Bank Statement 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No No       No     12 88.87% 90.00% 90.00%   N/A     N/A     NA   Yes   NA       Yes       No 0   Yes Borrower - Other || Co Borrower - Other - CPA Letter Verified, Written VOE Verified, 12 Business Bank Statements Verified Borrower || Co Borrower xxx xxx CA xxx xxx xxx xxx xxx     xxx                               NA     0       0     0     0   0 0 0 Unknown No N/A No Non Permanent Resident Alien           XXXX             Non Permanent Resident Alien           XXXX                                                                 Fee Simple No     xxx 11.00 xxx 11   64.52 N/A
63682 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 4895 02/21/2022 3.990%     No 5.327%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx             41.44%% 41.20% 41.20% No               Self-Employed           Full Doc 0 0 NA NA         2 0 0 0 3 0 NA NA No No   No No       No       0.00% 100.00%     Audited 12         Yes   No   NA       NA       No 0   N/A Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified xxx xxx OR xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No N/A No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 5.00 xxx 5   51.43 N/A
63666 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 4395 01/31/2022 3.610%     No 5.346%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx   xxx xxx xxx 04/01/2022 Monthly 40.71%% 40.71% 40.71% No               Self-Employed           12 Month Bank Statement 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No Yes   12   No       100.00% 100.00%                 Yes   No   NA       NA       No 0     Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified Borrower xxx xxx MD xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No N/A No Non Permanent Resident Alien                                                                                                       Fee Simple No     xxx 21.00 xxx 21   72.94 N/A
63709 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 11195 01/31/2022 3.610%     No 5.075%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx   xxx xxx xxx 04/01/2022 Annually 32.28%% 32.28% 32.28% No               Self-Employed           12 Month Bank Statement 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No Yes     12 No       100.00% 100.00%   Proceeds from Sale             Yes   No   NA       NA       No 0     Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified Borrower xxx xxx GA xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No N/A No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 12.06 xxx 12.06   54.46 N/A
63782 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Qualifying DTI Exceeds 43% 7632.5 02/07/2022 3.610%     No 6.153%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx             50.42%% 50.42% 50.42% No No             Employed           Full Doc 0 0 2+ Months 2+ Months         0 0 0 0 0 0 NA NA No No   No No       Yes   2   0.00% 0.00% 0.00%   N/A     N/A     NA   No   Yes 26     Yes       No 0     Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified || Co Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified, Personal Bank Statements Verified Borrower || Co Borrower xxx xxx IL xxx xxx xxx xxx xxx     xxx                               NA     0       0     0     0   0 0 0 Unknown No N/A No Non Permanent Resident Alien                         Non Permanent Resident Alien                                                                             Fee Simple No     xxx .00 xxx 0   69.26 N/A
65109 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Qualifying DTI Exceeds 43% 9057.5 01/31/2022 3.610%     No 5.125%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx   xxx xxx xxx 04/01/2022 Monthly 0.46% 45.68% 45.68% No No             Employed           Full Doc 0 0 2+ Months 2+ Months         0 0 0 0 0 0 NA NA No No   No No       No       0.00% 0.00% 0.00%               NA   No   Yes 26     Yes       No 0     Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified || Co Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified Borrower || Co Borrower xxx xxx WA xxx xxx xxx xxx xxx     xxx                               NA     0       0     0     0   0 0 0 Unknown No N/A No Non Permanent Resident Alien           XXXX             Permanent Resident Alien           XXXX                                                                 Fee Simple No     xxx .02 xxx 0.02   63.89 N/A
65158 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 14234.35 02/28/2022 3.960%     No 6.345%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx             0.42% 31.14% 31.14% No               Self-Employed           12 Month Bank Statement 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No Yes   12   No       100.00% 100.00%     N/A     N/A     NA   No   NA       NA       No 0     Borrower - SESoleProprietor - Personal Bank Statements Verified Borrower xxx xxx OR xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No N/A No Non Permanent Resident Alien           XXXX                                                                                           Fee Simple No     xxx 33.00 xxx 33   80 N/A
65198 xxx   xxx xxx xxx           xxx Non-QM: Lender documented all ATR UW factors Yes No No   Appendix Q Documentation 6795 03/14/2022 3.920%     No 6.203%   xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx             0.28% 28.09% 28.09% No No             Self-Employed           12 Month Bank Statement 0 0 NA NA         0 0 0 0 0 0 NA NA No No   No Yes   12   No       100.00% 100.00%     N/A     N/A     Yes   No   NA       NA       No 0   N/A Borrower - CPA Letter Verified, Personal Bank Statements Verified || Co Borrower Borrower || Co Borrower xxx xxx MD xxx xxx xxx xxx xxx     xxx                               NA     0       0     0     0   0 0 0 Unknown No N/A No Non Permanent Resident Alien           XXXX             Permanent Resident Alien           XXXX                                                                 Fee Simple No     xxx 47.63 xxx 47.63   80 N/A
66950 xxx   xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A             No     xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx             0.00% 0.00% 0.00% Yes   1 - Not Stated Not Verified 1 - Not Stated Not Verified         Not Employed           Debt Service Coverage Ratio 0 0 NA NA         0 0 0 0 2 0 NA NA No No   No No       No       0.00% 0.00%     N/A     N/A     NA   No   NA       NA       No 1.07 1.07   Borrower - N/A - 2 YRS Executed 4506T Verified Borrower - 2 YRS Executed 4506T Verified xxx xxx TX xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No N/A No Non Permanent Resident Alien Non-Permanent Non-US Citizen N/A Passport   N/A XXXX xxx XXXX xxx N/A                                                                                   Fee Simple No   N/A xxx .00 xxx 89.53   65 N/A
66966 xxx   xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A             No     xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx   xxx xxx xxx 10/01/2022 Annually   0.00% 0.00% Yes               Not Employed           Debt Service Coverage Ratio 0 0 NA NA         0 0 0 0 2 0 NA NA No No   No No       No       0.00% 0.00%   Proceeds from Sale N/A     N/A     NA   No   NA       NA       No 1.03 1.03   Borrower - N/A - 2 YRS Executed 4506T Verified Borrower - 2 YRS Executed 4506T Verified xxx xxx AL xxx xxx xxx xxx       xxx                               NA     0       0     0     0   1 0 0 Unknown No N/A No US Citizen US Citizen N/A Standard Driver's License - Not for federal use   xxx XXXX xxx     N/A                                                                                   Fee Simple No   N/A xxx 8.72 xxx 0   75 N/A
68589 xxx   xxx xxx xxx No xxx xxx xxx xxx xxx ATR/QM: Not Applicable No No No N/A Appendix Q Documentation           No     xxx   xxx     xxx xxx xxx xxx xxx xxx xxx xxx               0.00% 0.00% Yes               Not Employed           Debt Service Coverage Ratio 0 0 NA NA N/A   N/A   0 0 0 0 0 0 NA NA No No   No No N/A     No N/A     0.00% 0.00%     N/A   N/A N/A N/A   NA   No   NA     N/A NA     N/A No 0.84 0.84   Borrower - N/A Borrower xxx xxx FL xxx xxx xxx xxx       xxx                               NA     0       0     0     0   0 0 0 Unknown No   No Foreign National Foreign National N/A Passport   N/A XXXX xxx XXXX xxx N/A                                                                                   Fee Simple No   Credit Reference Letter xxx 2.70 xxx 33.69   65 N/A