EX-99.50 51 ex99-50.htm OPUS BUSINESS PURPOSE REPORT

 

EFMT DEPOSITOR LLC ABS-15G

 

Exhibit 99.50

 

ALT ID Seller Name Loan Program Documentation Type Executed NOO Docs in File Lease In Place Flag Actual In Place Rent Third Party Market Rent Estimate Third Party Rent Source Actual Short Term Rent Amount Actual Short Term Rent Source Short Term Rent Number of Months Short Term Rental Occupancy Factor Rental Income Used for Property DSCR Calculation Rental Source for Property DSCR Calculation DSCR Calculation Based On Short Rental Income Flag Property DTI Originator DSCR TPR DSCR PITIA Gross Rental Income Unit 1 Lease End Date Unit 1 Lease Term Unit 1 Gross Rental Income Unit 2 Lease End Date Unit 2 Lease Term Unit 2 Gross Rental Income Unit 3 Lease End Date Unit 3 Lease Term Unit 3 Gross Rental Income Unit 4 Lease End Date Unit 4 Lease Term Unit 4 Gross Rental Income Unit 5 Lease End Date Unit 5 Lease Term Unit 5 Gross Rental Income Unit 6 Lease End Date Unit 6 Lease Term Unit 6 Gross Rental Income Unit 7 Lease End Date Unit 7 Lease Term Unit 7 Gross Rental Income Unit 8+ Rent Loss Insurance Rent Loss Insurance Amount Fee Amount Acquisition Cost Renovation Cost Effective Gross Income Turnover Costs Repairs and Maintenance Marketing and Leasing Costs Utilities Other Costs Cap Ex Reserve Section 8 Blanket Mortgage/Cross Collateral Flag Number of Years Property Owned Number of Mortgaged Properties With Lender Number of Properties Securing Loan Foreign National Alternative Credit Documentation Months Reserves Loan Closed in the name of Business Entity Vested Business Entity Name Vested Business Entity Type Qualifying Primary Borrower Type Qualifying Primary Borrower First Name Qualifying Primary  Borrower  Last Name Qualifying CoBorrower Type Qualifying CoBorrower First Name Qualifying CoBorrower Last Name Qualifying CoBorrower 2 Type Qualifying CoBorrower 2 First Name Qualifying CoBorrower 2 Last Name Qualifying CoBorrower 3 Type Qualifying CoBorrower 3 First Name Qualifying CoBorrower 3 Last Name Non-Qualifying Guarantor 1 First Name Non-Qualifying Guarantor 1 Last Name Non-Qualifying Guarantor 1 Citizenship Non-Qualifying Guarantor 1 Country Name Non-Qualifying Guarantor 2 First Name Non-Qualifying Guarantor 2 Last Name Non-Qualifying Guarantor 2 Citizenship Non-Qualifying Guarantor 2 Country Name Personal Guaranty Total Number of Guarantors Personal Guaranty Recourse Level Business Entity EIN
1925331 XXXX XXXX - Wholesale FMC 12 Investor DSCR Other PPP 30 Yr Fixed - Debt Service Coverage Ratio Present Yes 1550 1600 Appraisal - 1025         1550 Actual In Place Rent No 60.85 1.643 1.643 943.21 775 XX/XX/XXXX 12 775 XX/XX/XXXX 12                                 Yes 27700       1550             No No 19.8 1 1 N/A 85.42 Yes XXXX Limited Liability Corporation (LLC) Individual Guarantor XXXX XXXX                                   Yes 1 Full Recourse XXXX
1925313 XXXX XXXX 12 Investor DSCR - 30yr Fixed Debt Service Coverage Ratio Present No 0 1100 Appraisal - 1007   N/A     1100 Appraisal - 1007 No 90.33 1.107 1.107 993.61                                             Yes 26230       1100             No No 8.6 1 1 N/A 20.74 No     Vested Individual XXXX XXXX                                   N/A 0 N/A  
1939617 XXXX XXXX 12 Investor DSCR 30 Yr  Fixed - EG Debt Service Coverage Ratio Present Yes 1200 1300 Appraisal - 1007         1200 Actual In Place Rent No 69.31 1.443 1.443 831.71 1200 XX/XX/XXXX 24                                       Yes 9980.4       1200             No No 7.0 1 1 N/A 88.38 No     Vested Individual XXXX XXXX                                   N/A 0 N/A  
1944958 XXXX XXXX 12 Investor DSCR 40 Yr Fixed I/O - EG Debt Service Coverage Ratio Present No 0 3800 Appraisal - 1007   N/A     3800 Appraisal - 1007 No 90.85 1.085 1.101 3452.23                                             Yes 45000       3800             No No 1.1 1 1 N/A 105.24 Yes XXXX Limited Liability Corporation (LLC) Individual Guarantor XXXX XXXX                                   Yes 1 Full Recourse XXXX
1944933 XXXX XXXX 12 Investor DSCR - 30yr Fixed Debt Service Coverage Ratio Present Yes 900 1250 Appraisal - 1007         900 Actual In Place Rent No 93.6 1.068 1.068 842.39 900 XX/XX/XXXX 1                                       Yes 10108.68       900             No No 5.3 1 1 N/A 38.96 Yes XXXX Limited Liability Corporation (LLC) Individual Guarantor XXXX XXXX                                   Yes 1 Full Recourse XXXX