EX-99.50 51 ex99-50.htm INGLET SUPPLEMENTAL DATA REPORT

 

MFA 2024-NQM1 Trust ABS-15G

EXHIBIT 99.50

 

Loan ID (Purchasing Lender) Loan Number (Selling Lender) Final Overall Event Level Fitch Final Overall Rating Moodys Final Overall Rating Kroll Final Overall Rating DBRS Final Overall Rating S&P QM/ATR Designation Fitch QM/ATR Designation Moody's QM/ATR Designation Kroll QM/ATR Designation DBRS QM/ATR Designation Amortization Type Initial Application Date Originator DTI (ASF) DTI Points/Fees Total Points/Fees Total without reductions resulting from 'bona fide discount points' Rate Lock Date Residual Income GSE Eligible Case ID / LP AUS Key APR Borrower Employment Status Co-Borrower Employment Status Borrower 3 Employment Status Borrower 3 Employment Status Borrower Residency Status Co-Borrower Residency Status Borrower 3 Residency Status Borrower 4 Residency Status Qualifying Interest Rate APOR (if applicable) Borrower 3 Employment Verification Borrower 4 Employment Verification Occupancy Most Recent Pay History Credit-based Modification Flag Type of Modification Modification Term Servicing Transfer Date Third Borrower Original FICO: Equifax Third Borrower Original FICO: Experian Third Borrower Original FICO: TransUnion Third Borrower Original FICO Score Third Borrower Original Score Date Most Recent Fico Score _Updated_Current_Borrower 3 Most Recent Fico Score Date Current_Updated_Borrower 3 Fourth Borrower Original FICO: Equifax Fourth Borrower Original FICO: Experian Fourth Borrower Original FICO: TransUnion Fourth Borrower Original Score Fourth Borrower Original Score Date Most Recent Fico Score _Updated Current_Borrower 4 Most Recent Fico Score Date_Updated_Current_Borrower 4 Primary Borrower Updated_Current FICO: Equifax Primary Borrower Updated_Current FICO: Experian Primary Borrower Updated_Current FICO: TransUnion Most Recent FICO Score_Updated_Current_Primary Borrower Most Recent FICO Score Date_Updated_Current_Primary Borrower Secondary Borrower Updated_Current FICO: Equifax Secondary Borrower Updated_Current FICO: Experian Secondary Borrower Updated_Current FICO: TransUnion Most Recent FICO Score_Updated_Current_Secondary Borrower Most Recent FICO Score Date_Updated_Current_Secondary Borrower FN Alternative Credit Documentation UW Guideline Author UW Guideline Name UW Guideline Program Originator Credit Grade Correspondent Name Qualifying Credit Score Qualifying Home Value for LTV HOA Flag HOA Monthly Premium Amount Income Doc Source (m) - Bank Statements/Personal Income Doc Source (m) - Bank Statements/Business Income Doc Source (m) - W2 Income Doc Source (m) - Tax Returns Income Doc Source (m) - Asset Depletion Income Doc Source (m) - P&L Income Doc Source (m) - Other Asset Verification (d) Borrower 2 Asset Verification (d) Borrower 3 Asset Verification (d) Borrower 4 Asset Verification (d) Borrower 1 Doc Type Borrower 2 Doc Type Borrower 3 Doc Type Borrower 4 Doc Type DSCR Qualification Flag DSCR DTI Actual In-Place Rent (Yr) Third Party Market Rent (Yr) Rent Loss Insurance (m) Recourse Executed NOO Docs In File # Units Lease In Place Flag Borrower Type # Mtg Prop (With Lender) # of Properties Year Built Total Sq Ft Property Condition # Beds # Baths Section 8 Acquisition Cost Renovation Cost UW Gross Potential Rent UW Economic Vacancy UW Effective Gross Income UW RE Taxes UW Ins Costs UW Prop Mgmt Fee UW Turnover Costs UW Repairs and Maintenance UW Marketing and Leasing Costs UW Utilities UW Other Costs UW HOA Fees UW Cap Ex Reserve Lease End Date Borrower 1 Name Borrower 2 Name Borrower 3 Name Borrower 4 Name Guarantor 1 Name Guarantor 1 Equifax Score Guarantor 1 Experian Score Guarantor 1 Transunion Score Guarantor 1 Most Recent Tri-Merge Score Guarantor 1 Most Recent Tri-Merge Score Date Guarantor 1 Total Income Guarantor 1 Total Debt Guarantor 2 Name Guarantor 2 Equifax Score Guarantor 2 Experian Score Guarantor 2 Transunion Score Guarantor 2 Most Recent Tri-Merge Score Guarantor 2 Most Recent Tri-Merge Score Date Guarantor 2 Total Income Guarantor 2 Total Debt ACH Payments Tape Cut-Off Date Annual Property Tax Annual Insurance Costs Months Foreclosure ForeClosure Resolution Date Months Bankruptcy (7, 11) Months Bankruptcy (13) Bankruptcy Resolution Date Months Deed-in-Lieu Deed-in-Lieu Resolution Date Months Short Sale (or Pre-FC) Short Sale Resolution Date Months Modification Modification Date Prior Mtg/Rent Late (30d in 12m) Prior Mtg/Rent Late (60d in 12m) Prior Mtg/Rent Late (90d in 12m) Life Event LOE Life Event Documented Prior Occupancy Type Number of Prior Credit Events Regulatory Loan Purpose QM - Agency UW Test Non-QM Reason - Product Type Non-QM Reason - DTI Test (> 43 App Q) QM/ATR Exempt Reason TRID Applicable Full SFIG TRID 3.0 Scope Reviewed Collateral Underwriter ("CU") risk score Leasehold Flag U/W Doc Type Originating Lender Verifiable Income Months (Borrower) Verifiable Income Months (Co-Borrower) Verifiable Income Months (Borrower 3) Verifiable Income Months (Borrower 4) Bank Statements Flag Number of Statements Actual # Evaluated Type of Statements Percent of Income From Statements Business Ownership Percentage Expense Ratio Source of Expense Ratio Evidence of associated business account Industry / Occupation Shared Appreciation Option Agreement? Shared Appreciation Option Agreement Provider MERS Loan ID Borrower SSN Co-Borrower SSN Borrower 3 SSN Borrower 4 SSN Monthly Hazard Insurance Monthly Taxes Entity Name EIN (Employer Identification Number) Original P&I PITIA Monthly Flood Monthly MI Monthly HOA Monthly Maint/Other
  47085 1 A A A A Non-QM / Compliant Non-QM / Compliant Non-QM / Compliant Non-QM / Compliant Non-QM / Compliant Fixed Rate XXXX 48.2400 48.15% XXXX XXXX XXXX XXXX XXXX   6.865% XXXX XXXX     US Citizen US Citizen     6.625% 0.038     Owner Occupied   No                                                       No     XXXX B   601 XXXX 1 XXXX             25                 No           No 1   Individual Name(s)   1 XXXX XXXX XXXX XXXX XXXX   XXXX XXXX       XXXX XXXX                   XXXX XXXX                                         XXXX XXXX                       0 0 0       0 Consumer   Y Y   Yes Yes   No Full XXXX 25 33     No                   No     XXXX XXXX     XXXX XXXX     XXXX XXXX XXXX XXXX XXXX XXXX
  48604 2 B B B B Non-QM / Compliant Non-QM / Compliant Non-QM / Compliant Non-QM / Compliant Non-QM / Compliant 5/1 or 5/6 mos. ARM XXXX 42.5390 42.31% XXXX XXXX XXXX XXXX XXXX   4.698% XXXX       US Citizen       6.25% 0.0284     Owner Occupied   No                                                       No     XXXX     684 XXXX 1 XXXX               89               No           No 1   Individual Name(s)   1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX       XXXX XXXX                   XXXX                                           XXXX XXXX                       0 0 0       0 Consumer   Y N   Yes Yes   No 12-mo Bank Statement-Business XXXX 12       Yes 12   Business 1.00           No   XXXX XXXX       XXXX XXXX     XXXX XXXX XXXX XXXX XXXX XXXX
  48295 1 A A A A Not Covered / Exempt Not Covered / Exempt Not Covered / Exempt Not Covered / Exempt Not Covered / Exempt 5/1 or 5/6 mos. ARM (IO) XXXX         XXXX   XXXX   0.0% XXXX       US Citizen       6.125%       Investor Owned   No                                                       No     XXXX     720 XXXX 0 XXXX               60               Yes 1.351493 47640.00   8.27   Yes 4 Yes Individual Name(s)   10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX     XXXX XXXX XXXX                   XXXX                                           XXXX XXXX                       0 0 0       0 Business       Investor No No   No DSCR XXXX         No                   No   XXXX XXXX       XXXX XXXX     XXXX XXXX XXXX XXXX XXXX XXXX
  48296 1 A A A A Not Covered / Exempt Not Covered / Exempt Not Covered / Exempt Not Covered / Exempt Not Covered / Exempt 5/1 or 5/6 mos. ARM (IO) XXXX             XXXX   0.0% XXXX       US Citizen       6.875%       Investor Owned   No                                                       No     XXXX     720 XXXX 0 XXXX               60               Yes 1.274128 45840.00   7.76   Yes 4 Yes Individual Name(s)   10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX     XXXX XXXX XXXX                   XXXX                                           XXXX XXXX                       0 0 0       0 Business       Investor No No   No DSCR XXXX         No                   No   XXXX XXXX       XXXX XXXX     XXXX XXXX XXXX XXXX XXXX XXXX
  48297 1 A A A A Not Covered / Exempt Not Covered / Exempt Not Covered / Exempt Not Covered / Exempt Not Covered / Exempt 5/1 or 5/6 mos. ARM (IO) XXXX             XXXX   0.0% XXXX       US Citizen       7.0%       Investor Owned   No                                                       No     XXXX     720 XXXX 0 XXXX               60               Yes 1.255736 48570.00   21   Yes 4 Yes Individual Name(s)   10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX     XXXX XXXX XXXX                   XXXX                                           XXXX XXXX                       0 0 0       0 Business       Investor No No   No DSCR XXXX         No                   No   XXXX XXXX       XXXX XXXX     XXXX XXXX XXXX XXXX XXXX XXXX
  48298 1 A A A A Not Covered / Exempt Not Covered / Exempt Not Covered / Exempt Not Covered / Exempt Not Covered / Exempt 5/1 or 5/6 mos. ARM (IO) XXXX             XXXX   0.0% XXXX       US Citizen       7.0%       Investor Owned   No                                                       No     XXXX     720 XXXX 0 XXXX               60               Yes 1.267691 48540.00   17.67   Yes 4 Yes Individual Name(s)   11 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX     XXXX XXXX XXXX                   XXXX                                           XXXX XXXX                       0 0 0       0 Business       Investor No No   No DSCR XXXX         No                   No   XXXX XXXX       XXXX XXXX     XXXX XXXX XXXX XXXX XXXX XXXX