EX-99.45 46 ex99-45.htm EVOLVE BUSINESS PURPOSE REPORT

 

EFMT DEPOSITOR LLC ABS-15G

 

Exhibit 99.45

 

 

Business Purpose Data
Run Date - 02/07/2025 12:56:34 PM
Evolve Loan ID Customer Loan ID Seller Loan ID Seller Name Originator Name Guideline Author Loan Program Loan Program Date Documentation Type Executed NOO Docs in File Lease In Place Flag Actual In Place Rent Third Party Market Rent Estimate Third Party Rent Source Rental Source for Property DTI Calculation Short Term Rental STR Source STR Amount Property DTI Investor DTI  Value Used for DSCR Calc DSCR Total DSCR PITIA Lease End Date Original Lease Term Is Lease Month To Month Rent Loss Insurance Rent Loss Insurance Amount Actual Loss Amount HOA Flag HOA Monthly Premium Amount Monthly Property Tax Monthly Insurance Cost Asset Verification Blanket Mortgage Flag Number of Mortgaged Properties With Lender Number of Properties Foreign National Alternative Credit Documentation Foreign National Borrower 1 Foreign National Borrower 2 Investor Type Months Reserves Number of Years Property Owned Borrower Residency Status Co Borrower Residency Status Qualifying Credit Score Months Bankruptcy 7 11  Months Bankruptcy 13  Months Deed in Lieu Months Short Sale or Pre FC  Prior Mtg Rent Late 30d in 12m  Prior Mtg Rent Late 60d in 12m  Prior Mtg Rent Late 90d in 12m  Prior Mtg Rent Late 30d in 24m  Prior Mtg Rent Late 60d in 24m  Prior Mtg Rent Late 90d in 24m  Section 8 Street Address Borrower 1 Type Borrower 1 Designation Borrower 1 First Name Borrower 1 Last Name Borrower 2 Type Borrower 2 Designation Borrower 2 First Name Borrower 2 Last Name Borrower 3 Designation Borrower 3 First Name Borrower 3 Last Name Borrower 4 Designation Borrower 4 First Name Borrower 4 Last Name Personal Guarantee Personal Guaranty Recourse Level  Guarantor 1 First Name Guarantor 1 Last Name Guarantor 1 Number of Mortgaged Properties Guarantor 1 Citizenship Guarantor 1 Asset Verification Level Guarantor 1 Experian FICO Guarantor 1 Equifax FICO Guarantor 1 Trans Union FICO Guarantor 2 First Name Guarantor 2 Last Name Guarantor 2 Number of Mortgaged Properties Guarantor 2 Citizenship Guarantor 2 Asset Verification Level Guarantor 2 Experian FICO Guarantor 2 Equifax FICO Guarantor 2 Trans Union FICO Borrower 1 Employment Status Borrower 2 Employment Status Loan Application Date Sales Contract Date Qualifying Home Value for LTV Number of Units Year Built Total Sq Ft Number of Bedrooms Number of Bathrooms Property Condition Acquisition Cost Renovation Cost Effective Gross Income Turnover Costs Repairs and Maintenance Marketing and Leasing Costs Utilities Other Costs Cap Ex Reserve Borrower Entity Type Name of Borrowing Entity Default Rate Clause Default Rate
1377922 XXXX XXXX   XXXX XXXX XXXX 20210704 Debt Service Coverage Yes Yes $1,000.00 $1,400.00 FNMA 1007/216 Leases No   0     1000 1.11 1.11 $899.27 20221001 12 No Yes $14,700.00   NO $0.00 $198.38 $100.59 Stated, Verified NO   4   No No Experienced 98 0 US Citizen   771 0 0                   XXXX                             No   XXXX XXXX   US Citizen Stated, Verified 775 771 750                 Not Required   20220203   $XXXX 1 XXXX XXXX 2 1 C4 $0.00 $0.00               Limited Liability Corp XXXX No  
1429314 XXXX XXXX   XXXX XXXX XXXX 20220812 Debt Service Coverage Yes Yes $1,500.00 $1,500.00 FNMA 1007/216 FNMA 1007/216 No   0     1500 1.02 1.02 $1,464.17 20230814 12 No Yes $20,600.00   NO $0.00 $157.25 $349.30 Stated, Verified NO 1 2   No No Experienced 12 3 US Citizen   674 0 0                   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower     Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Not Required   20220713 XXXX $XXXX 1 XXXX XXXX 3 2 C3 $XXXX $0.00               Individual(s)   No  
1451954 XXXX XXXX XXXX XXXX XXXX XXXX 20220901 Debt Service Coverage Yes Yes $1,600.00 $1,625.00   Leases No   0     1600 1.01 1.01 $1,586.11 20230801 12 No Yes $28,830.00   NO $0.00 $347.37 $132.59 Stated, Verified NO 1 2   No No Experienced 45 0.7 US Citizen   677 0 0     1 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower     Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Not Required   20220725   $XXXX 1 XXXX XXXX 3 1.1 C3 $0.00 $0.00               Individual(s)   No  
1458797 XXXX XXXX XXXX XXXX XXXX XXXX 20221005 ALTDOC Yes No $0.00 $4,050.00 FNMA 1007/216 FNMA 1007/216 No   0 43.234   0     $10,227.10       Yes $131,500.00   NO $0.00 $977.88 $243.67 Stated, Verified NO 1 4   No No Experienced 4 1 US Citizen   769 0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower     Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Employed   20221031 XXXX $XXXX 1 XXXX XXXX 3 2.1 C3 $XXXX $0.00               Individual(s)   No  
1469734 XXXX XXXX XXXX XXXX XXXX XXXX 20230201 Debt Service Coverage Yes No $0.00 $3,000.00 FNMA 1007/216 FNMA 1007/216 No   0     3000 1 1 $2,994.95       Yes $35,700.00   NO $0.00 $333.68 $244.08 Stated, Verified NO 1 4   No No Experienced 6 3.3 US Citizen   721 0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower     Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Not Required   20230127 XXXX $XXXX 1 XXXX XXXX 4 2.1 C3 $XXXX $0.00               Individual(s)   No  
1470915 XXXX XXXX XXXX XXXX XXXX XXXX 20230201 Debt Service Coverage Yes Yes $3,795.00 $1,800.00 FNMA 1007/216 FNMA 1007/216 No   0     1800 1.09 1.09 $1,651.99 20230515 9 No Yes $27,000.00   NO $0.00 $271.15 $254.20 Stated, Verified NO 1 2   No No Inexperienced 42 5 US Citizen US Citizen 706 0 0     0 0 0 0 0 0   XXXX                             No   XXXX XXXX   US Citizen Stated, Verified 718 656 706 XXXX XXXX   US Citizen Stated, Verified 732 702 708 Not Required Not Required 20230217 XXXX $XXXX 1 XXXX XXXX 9 4 C4 $XXXX $0.00               Limited Liability Corp XXXX No  
1628673 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes Yes $975.00 $950.00 FNMA 1007/216 FNMA 1007/216 No   0     950 1.04 1.04 $910.75 20241231 12   Yes $11,800.00   YES $75.00 $130.23 $136.02 Stated, Verified NO 5 8   No No Experienced 72 5 US Citizen   756 0 0     0 0 0 0 0 0   XXXX                             Yes Full XXXX XXX   US Citizen Stated, Verified 756 762 738                 Employed   20241022   $XXXX 1 XXXX XXXX 2 2 C4 $0.00 $0.00               Limited Liability Corp XXXX No  
1628902 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes Yes $1,600.00 $0.00   Leases No   0     1600 0.63 0.63 $2,519.85 20271231 36 No Yes $36,200.00   NO $0.00 $634.60 $299.46 Stated, Verified NO 1 1   No No Experienced 35 2.2 US Citizen   665 0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower     Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Retired   20240820   $XXXX 1 XXXX XXXX 4 2.1 C4 $0.00 $0.00               Individual(s)   No  
1628681 XXXX XXXX XXXX XXXX XXXX XXXX 20240901 Full Yes No $0.00 $2,350.00 FNMA 1007/216 FNMA 1007/216 No   0 34.402   0 0 0 $3,791.05       Yes $5,000.00   YES $1,480.79 $323.20 $90.17 Stated, Verified NO 1 2   No No Inexperienced 24 8.4 US Citizen   751 0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower     Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Employed   20240826 XXXX $XXXX 1 XXXX XXXX 1 2 C3 $XXXX $0.00               Individual(s)   No  
1631542 XXXX XXXX XXXX XXXX XXXX XXXX 20241015 Debt Service Coverage Yes Yes $2,150.00 $2,200.00 FNMA 1007/216 Leases No   0     2150 1.06 1.06 $2,019.64 20241231 12   Yes $22,700.00   YES $30.67 $348.96 $198.92 Stated, Verified NO 1 1   No No Experienced 29 25 US Citizen   776 0 0                   XXXX Primary Primary XXXX XXX Co-Borrower Co-Borrower     Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Not Required   20240909   $XXXX 1 XXXX XXXX 3 2 C4 $0.00 $0.00               Individual(s)   No  
1631543 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes Yes $7,234.00 $9,219.00 FNMA 1007/216 FNMA 1007/216 No   0     5209 1.13 1.13 $4,626.94 20250201 12   Yes $55,523.28   NO $0.00 $619.53 $191.09 Stated, Verified NO 1 2   No No Experienced 57 14 US Citizen   681 0 0     1 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower     Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Employed   20240917   $XXXX 4 XXXX XXXX 12 4 C3 $0.00 $0.00               Individual(s)   No  
1631616 XXXX XXXX   XXXX XXXX XXXX 20241001 Debt Service Coverage Yes No $0.00 $2,000.00 FNMA 1007/216 FNMA 1007/216 No   0     2000 1.21 1.21 $1,649.29       Yes $21,300.00   YES $14.16 $350.43 $383.60 Stated, Verified NO 1 1   No No Inexperienced 19 11 US Citizen US Citizen 676 0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower XXXX XXXX Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Not Required Not Required 20240927 XXXX $XXXX 1 XXXX XXXX 3 2 C4 $XXXX $0.00               Individual(s)   No  
1629360 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes Yes $1,850.00 $2,300.00 FNMA 1007/216 Leases No   0     1850 1 1 $1,849.84   1 Yes Yes $21,600.00   YES $42.00 $553.11 $40.75 Stated, Verified NO 1 6   No No Experienced 145 5 US Citizen   745 0 0     0 0 0 2 0 0   XXXX                             Yes Full XXXX XXXX   US Citizen Stated, Verified 769 737 745                 Employed   20241011   $XXXX 1 XXXX XXXX 2 1.1 C3 $0.00 $0.00               Limited Liability Corp XXXX No  
1631549 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes No $0.00 $2,000.00 FNMA 1007/216 FNMA 1007/216 No   0     2000 1.19 1.19 $1,689.65       Yes $32,000.00   NO $0.00 $429.40 $78.17 Stated, Verified NO 1 2   No No Experienced 70 6 US Citizen   793 0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower     Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Employed   20241015 XXXX $XXXX 2 XXXX XXXX 4 2.2 C4 $XXXX $0.00               Individual(s)   No  
1631551 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes No $0.00 $4,300.00 FNMA 1007/216 FNMA 1007/216 No   0     4300 1.92 1.92 $2,245.05       Yes $0.00 Yes NO $0.00 $403.08 $301.21 Stated, Verified NO 1 2   No No Experienced 67 7 US Citizen   643 0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower     Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Employed   20241015 XXXX $XXXX 2 XXXX XXXX 6 2 C3 $XXXX $0.00               Individual(s)   No  
1631552 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes Yes $5,800.00 $5,800.00 FNMA 1007/216 FNMA 1007/216 No   0     5800 1.9 1.9 $3,052.18       Yes $70,000.00   NO $0.00 $929.40 $489.46 Stated, Verified NO 1 1   No No Experienced 55 4 US Citizen   761 0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower     Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Employed   20241017   $XXXX 2 XXXX XXXX 5 4 C3 $0.00 $0.00               Individual(s)   No  
1628756 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes No $0.00 $4,300.00 FNMA 1007/216 FNMA 1007/216 No   0     4300 0.78 0.78 $5,478.08       Yes $94,900.00   YES $165.00 $581.66 $132.92 Stated, Verified NO 1 3   No No Experienced 8 20 US Citizen   693 0 0     0 0 0 1 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower     Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Employed   20241016 XXXX $XXXX 1 XXXX XXXX 4 3 C3 $XXXX $0.00               Individual(s)   No  
1628760 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes Yes $2,700.00 $2,600.00 FNMA 1007/216 Leases No   0     2700 1.05 1.05 $2,570.53 20251004 12   Yes $31,100.00   NO $0.00 $278.58 $130.09 Stated, Verified NO 1 1   No No Experienced 47 1.9 US Citizen US Citizen 795 0 0     0 0 0 0 0 0   XXXX                             Yes Full XXXX XXXX   US Citizen Stated, Verified 785 795 801 XXXX XXXX   US Citizen Stated, Verified 757 773 755 Not Required Not Required 20241018   $XXXX 1 XXXX XXXX 2 1 C2 $0.00 $0.00               Limited Liability Corp XXXX No  
1631555 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes No $0.00 $4,711.00 FNMA 1007/216 FNMA 1007/216 No   0     4711 1.25 1.25 $3,777.61       Yes $50,000.00   YES $1,446.00 $161.72 $106.15 Stated, Verified NO 1 2   No No Experienced 11 11 US Citizen US Citizen 758 0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower XXXX XXXX Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Employed Unemployed 20241022 XXXX $XXXX 1 XXXX XXXX 2 2 C4 $XXXX $0.00               Individual(s)   No  
1631617 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes No $0.00 $2,900.00 FNMA 1007/216 FNMA 1007/216 No   0     2900 1.03 1.03 $2,815.52       Yes $115,200.00   NO $0.00 $422.93 $90.25 Stated, Verified NO 1 2   No No Inexperienced 97 4.2 US Citizen US Citizen 806 0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower XXXX XXXX Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Employed Employed 20241022 XXXX $XXXX 1 XXXX XXXX 4 3 C3 $XXXX $0.00               Individual(s)   No  
1631557 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes No $0.00 $2,525.00 FNMA 1007/216 FNMA 1007/216 No   0     2525 1.49 1.49 $1,698.10       Yes $28,500.00   NO $0.00 $359.78 $72.50 Stated, Verified NO 1 6   No No Experienced 141 1.9 US Citizen   735 0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower     Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Employed   20241023 XXXX $XXXX 1 XXXX XXXX 3 1 C3 $XXXX $0.00               Individual(s)   No  
1631558 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes No $0.00 $2,000.00   Short Term Rental Documents Yes   0     2000 1.56 1.56 $1,284.37       Yes $42,000.00   NO $0.00 $70.00 $154.89 Stated, Verified NO 1 2   Yes Yes Experienced 87 5 Non Permanent Resident Alien Non Permanent Resident Alien   0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower XXXX XXXX Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Employed Employed 20241023   $XXXX 1 XXXX XXXX 2 1 C3 $0.00 $0.00               Individual(s)   No  
1631560 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes Yes $4,700.00 $5,000.00 FNMA 1007/216 Leases No   0     4700 1.09 1.09 $4,318.19 20241231 12   Yes $119,600.00   NO $0.00 $921.72 $165.58 Stated, Verified NO 1 1   No No Experienced 32 12 US Citizen   764 0 0     0 0 0 0 0 0   XXXX                             Yes Full XXXX XXXX   US Citizen Stated, Verified 739 767 764                 Employed   20241024   $XXXX 3 XXXX XXXX 7 3 C3 $0.00 $0.00               Limited Liability Corp XXXX No  
1631561 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes Yes $1,950.00 $1,800.00 FNMA 1007/216 Leases No   0     1950 0.75 0.75 $2,590.24 20250831 12 No Yes $20,700.00   NO $0.00 $718.41 $153.08 Stated, Verified NO 1 4   No No Experienced 49 20 US Citizen   810 0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower     Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Employed   20241023 XXXX $XXXX 1 XXXX XXXX 2 1 C4 $XXXX $0.00               Individual(s)   No  
1631562 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes No $0.00 $12,700.00 FNMA 1007/216 FNMA 1007/216 No   0     12700 1 1 $12,676.00       Yes $152,400.00   YES $287.00 $943.58 $195.42 Stated, Verified NO 1 1   Yes No Inexperienced 15 2.4 Non Permanent Resident Alien   639 0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower     Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Not Required   20241031 XXXX $XXXX 1 XXXX XXXX 6 6.1 C3 $XXXX $0.00               Individual(s)   No  
1631563 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes No $0.00 $1,900.00 FNMA 1007/216 FNMA 1007/216 No   0     1900 1.3 1.3 $1,463.11       Yes $37,000.00   NO $0.00 $236.04 $98.83 Stated, Verified NO 1 5   No No Experienced 570 6.4 US Citizen US Citizen 796 0 0     0 0 0 0 0 0   XXXX                             Yes Full XXXX XXXX   US Citizen Stated, Verified 821 793 796 XXXX XXXX   US Citizen Stated, Verified 808 793 786 Employed Employed 20241025 XXXX $XXXX 1 XXXX XXXX 3 1 C4 $XXXX $0.00               Limited Liability Corp XXXX No  
1631564 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes Yes $1,750.00 $1,750.00 FNMA 1007/216 Leases No   0     1750 1.16 1.16 $1,512.88 20251031 12 No Yes $23,500.00   NO $0.00 $223.41 $118.91 Stated, Verified NO 1 2   No No Experienced 102 20 US Citizen   725 0 0     0 0 0 0 0 0   XXXX                             Yes Full XXXX XXXX   US Citizen Stated, Verified 737 715 725                 Not Required   20241026   $XXXX 1 XXXX XXXX 3 2 C4 $0.00 $0.00               Limited Liability Corp XXXX No  
1631565 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes Yes $2,450.00 $2,540.00 FNMA 1007/216 Leases No   0     2450 1.37 1.37 $1,792.56 20250531 9 No Yes $38,000.00   NO $0.00 $213.22 $414.12 Stated, Verified NO 1 2   No No Experienced 84 20 US Citizen   725 0 0     0 0 0 0 0 0   XXXX                             Yes Full XXXX XXXX   US Citizen Stated, Verified 737 715 725                 Not Required   20241027   $XXXX 2 XXXX XXXX 6 3 C3 $0.00 $0.00               Limited Liability Corp XXXX No  
1628864 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes Yes $2,000.00 $1,975.00 FNMA 1007/216 FNMA 1007/216 No   0     1975 1.01 1.01 $1,960.96 20250701 12   Yes $23,531.52   NO $0.00 $221.57 $55.09 Stated, Verified NO 2 2   No No Experienced 121 2.6 US Citizen   764 0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower     Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Employed   20241027   $XXXX 1 XXXX XXXX 3 1 C4 $0.00 $0.00               Individual(s)   No  
1631566 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes Yes $4,000.00 $3,200.00 FNMA 1007/216 FNMA 1007/216 No   0     3200 1.34 1.34 $2,394.20 20250521 12 No Yes $52,170.00   NO $0.00 $348.50 $232.68 Stated, Verified NO 1 3   No No Experienced 174 9 US Citizen   800 0 0     0 0 0 0 0 0   XXXX                             Yes Full XXXXX XXXX   US Citizen Stated, Verified 779 802 800                 Not Required   20241028   $XXXX 1 XXXX XXXX 5 4 C3 $0.00 $0.00               Limited Liability Corp XXXX No  
1631567 XXXX XXXX XXXX XXXX XXXX XXXX 20241015 Debt Service Coverage Yes No $0.00 $6,083.00   Short Term Rental Documents Yes   0     6083 1.02 1.02 $5,960.98       Yes $73,500.00   NO $0.00 $523.29 $333.25 Stated, Verified NO 2 13   No No Experienced 20 9 US Citizen   762 0 0     0 0 0 0 0 0   XXXX                             Yes Full XXXX XXXX   US Citizen Stated, Verified 791 735 762                 Employed   20241030   $XXXX 1 XXXX XXXX 3 3 C3 $0.00 $0.00               Limited Liability Corp XXXX No  
1631568 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes Yes $2,190.00 $2,800.00 FNMA 1007/216 Leases No   0     2190 1.02 1.02 $2,151.09 20251005 12   Yes $28,450.00   NO $0.00 $548.09 $86.55 Stated, Verified NO 1 1   No No Experienced 53 6.2 US Citizen   735 0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower     Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Employed   20241025   $XXXX 1 XXXX XXXX 3 2 C4 $0.00 $0.00               Individual(s)   No  
1631569 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes No $0.00 $3,200.00 FNMA 1007/216 FNMA 1007/216 No   0     3200 0.78 0.78 $4,098.61       Yes $35,000.00   YES $1,257.00 $562.81 $237.09 Stated, Verified NO 1 2   No No Experienced 118 1 US Citizen   733 0 0     0 0 0 0 0 0   XXXX                             Yes Full XXXX XXXX   US Citizen Stated, Verified 724 792 733                 Employed   20241029 XXXX $XXXX 1 XXXX XXXX 1 1 C3 $XXXX $0.00               Limited Liability Corp XXXX No  
1631570 XXXX XXXX XXXX XXXX XXXX XXXX 20251015 Debt Service Coverage Yes No $0.00 $1,750.00 FNMA 1007/216 FNMA 1007/216 No   0     1750 1.1 1.1 $1,592.47       Yes $40,000.00   YES $213.00 $43.28 $113.67 Stated, Verified NO 1 2   No No Experienced 132 27 US Citizen   700 0 0     0 0 0 0 0 0   XXXX                             Yes Full XXXX XXXX   US Citizen Stated, Verified 700 712 690                 Employed   20241029   $XXXX 1 XXXX XXXX 2 2 C3 $0.00 $0.00               Limited Liability Corp XXXX No  
1631571 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes No $0.00 $1,900.00 FNMA 1007/216 FNMA 1007/216 No   0     1900 1.32 1.32 $1,441.58       Yes $36,000.00   NO $0.00 $248.79 $86.67 Stated, Verified NO 1 6   No No Experienced 593 6.4 US Citizen US Citizen 796 0 0     0 0 0 0 0 0   XXXX                             Yes Full XXXX XXXX   US Citizen Stated, Verified 821 793 796 XXXX XXXX   US Citizen Stated, Verified 808 793 786 Employed Employed 20241029 XXXX $XXXX 1 XXXX XXXX 3 2 C3 $XXXX $0.00               Limited Liability Corp XXXX No  
1631576 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes No $0.00 $4,400.00 FNMA 1007/216 FNMA 1007/216 No   0     4400 1.94 1.94 $2,263.68       Yes $38,420.00   NO $0.00 $459.35 $181.67 Stated, Verified NO 1 9   No No Experienced 18 4.9 US Citizen US Citizen 716 0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower XXXX XXXX Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Not Required Not Required 20241031   $XXXX 1 XXXX XXXX 4 3 C3 $0.00 $0.00               Individual(s)   No  
1631578 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes No $0.00 $1,700.00 FNMA 1007/216 FNMA 1007/216 No   0     1700 1 1 $1,693.06       Yes $30,600.00   YES $71.00 $118.82 $62.54 Stated, Verified NO 1 1   No No Inexperienced 56 1 US Citizen   817 0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower     Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Retired   20241030 XXXX $XXXX 1 XXXX XXXX 2 2.1 C3 $XXXX $0.00               Individual(s)   No  
1631581 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes No $0.00 $10,837.50 FNMA 1007/216 FNMA 1007/216 No   0     10837.5 1.16 1.16 $9,375.67       Yes $0.00 Yes NO $0.00 $579.33 $199.39 Stated, Verified NO 1 2   No No Experienced 33 21 US Citizen US Citizen 791 0 0     0 0 0 0 0 0   XXXX                             Yes Full XXXX XXXX   US Citizen Stated, Verified 791 777 791 XXXX XXXX   US Citizen Stated, Verified 759 754 774 Employed Employed 20241101   $XXXX 4 XXXX XXXX 6 4 C3 $0.00 $0.00               Limited Liability Corp XXXX No  
1631582 XXXX XXXX XXXX XXXX XXXX XXXX 20241015 Debt Service Coverage Yes No $0.00 $2,235.00 FNMA 1007/216 FNMA 1007/216 No   0     1800 1.1 1.1 $1,637.56       Yes $35,000.00   NO $0.00 $381.06 $128.15 Stated, Verified NO 1 2   No No Experienced 12 10 US Citizen US Citizen 770 0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower XXXX XXXX Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Employed Employed 20241104   $XXXX 1 XXXX XXXX 2 1 C3 $0.00 $0.00               Individual(s)   No  
1631587 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes No $0.00 $1,650.00 FNMA 1007/216 FNMA 1007/216 No   0     1650 1.57 1.57 $1,051.08       Yes $10,150.00   NO $0.00 $84.28 $213.09 Stated, Verified NO 1 11   No No Experienced 95 30 US Citizen   790 0 0     0 0 0 0 0 0   XXXX                             Yes Full XXXX XXXX   US Citizen Stated, Verified 803 790 780                 Employed   20241106 XXXX $XXXX 1 XXXX XXXX 3 2 C3 $XXXX $0.00               Limited Liability Corp XXXX No  
1631588 XXXX XXXX XXXX XXXX XXXX XXXX 20241015 Debt Service Coverage Yes No $0.00 $5,400.00 FNMA 1007/216 FNMA 1007/216 No   0     5400 0.78 0.78 $6,922.93       Yes $69,600.00   NO $0.00 $512.73 $229.92 Stated, Verified NO 1 2   No No Inexperienced 4 7 US Citizen   717 0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower     Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Not Required   20241106 XXXX $XXXX 2 XXXX XXXX 5 3 C3 $XXXX $0.00               Individual(s)   No  
1631590 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes Yes $2,700.00 $2,800.00 FNMA 1007/216 Leases No   0     2700 1.84 1.84 $1,471.32 20250731 12   Yes $33,600.00   NO $0.00 $64.83 $90.08 Stated, Verified NO 1 1   No No Inexperienced 20 1.5 US Citizen   720 0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XXXX Co-Borrower Co-Borrower     Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Employed   20241108 XXXX $XXXX 1 XXXX XXXX 3 1 C4 $XXXX $0.00               Individual(s)   No  
1631593 XXXX XXXX XXXX XXXX XXXX XXXX 20241001 Debt Service Coverage Yes No $0.00 $3,000.00 FNMA 1007/216 FNMA 1007/216 No   0     3000 1.01 1.01 $2,960.50       Yes $59,200.00   NO $0.00 $500.00 $180.59 Stated, Verified NO 1 2   No No Inexperienced 36 26 US Citizen   801 0 0     0 0 0 0 0 0   XXXX Primary Primary XXXX XX Co-Borrower Co-Borrower     Co-Borrower     Co-Borrower     No             0 0 0           0 0 0 Employed   20241111 XXXX $XXXX 2 XXXX XXXX 2 2 C4 $XXXX $0.00               Individual(s)   No