Exhibit 99.4

Client Name:	Lendage
Client Project Name:	ACHM 2024-HEM2
Start - End Dates:	2/20/2023 - 9/10/2024
Deal Loan Count:	1,077
Waived Conditions Summary
Review Scope	Category	Code	Description	Count
Credit	DTI	CRDDTI105	Debt Ratio Exception 5% or Less	2
Property Valuations	Value	PRVAVALU5249	Property Value Not Supported	16
Compliance	County High Cost	CMPCHC5380	ILCK High-Cost Loan by exceeding points and fees threshold	7
Compliance	County High Cost	CMPCHC5381	ILCK High-Cost Loan by exceeding APR threshold	8
Compliance	Compliance Manual	CMPMAN2982	MDIA payment schedule error	1
Total				34
©2024 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.