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{"sheet":"Errors","index":0,"n_rows":4,"n_cols":1,"rows_kept":4,"cut":false,"hidden":true,"merged":[]}
["Please list all the errors here"]
["Cell T11 on the DSCR rate sheet - just needs formatting"]
["need to remove the \"DSCR Cash-Out\". Should be handled under Loan Purpose"]
["Remove Lock Request buttons on all Calcs"]

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[null,null,null,null,null,null,null,null,null,null,null,null,null,"LoanStream Mortgage"]
[null,"March Special",null,null,null,null,null,null,null,null,null,null,null,"19000 MacArthur Blvd, Suite 200"]
[null,"25 Bps","NonQm & DSCR",null,null,null,null,null,null,null,null,null,null,"Irvine, CA 92612"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Effective Date:",null,"2026-03-25"]
[null,"Base Price",null,null,null,"NonQM LoanStream",null,null,null,null,null,null,null,null,null,null,null,null,"NonQM Price Calculator"]
[]
[]
[null,"30 Day Lock",null,null,null,"Loan Level Pricing Adjustments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inputs"]
[null,"Rate","Full Doc","Alt Doc",null,"FICO/LTV",null,"<=50","50.01-55","55.01-60","60.01-65","65.01-70","70.01-75","75.01-80","80.01-85","85.01-90",null,null," Interest Rate →",null,0]
[null,5.875,97.513000000000019,97.213000000000022,null,"780+",null,0.77500000000000002,0.625,0.625,0.625,0.5,0.22500000000000001,-0.5,-1.625,-3.5249999999999999,null,null,"LTV Range",null,"Choose a Selection"]
[null,5.9989999999999997,98.263000000000005,97.963000000000022,null,"760-779",null,0.65,0.58799999999999997,0.58799999999999997,0.5,0.375,0.125,-0.625,-2.125,-3.7749999999999999,null,null,"FICO Range",null,"Choose a Selection",{"$f":"IF(ISNUMBER(MATCH($U$11,'Feed(WS)'!$B$3:$B$11,0)),\n   INDEX($H$11:$P$20,MATCH($U$12,$F$11:$F$20,0),MATCH($U$11,$H$10:$P$10,0)))","v":false}]
[null,6.125,98.887500000000003,98.58750000000002,null,"740-759",null,0.58799999999999997,0.5,0.5,0.375,0.125,-0.375,-0.875,-2.375,-4.0250000000000004,null,null,"Program",null,"Choose a Selection",{"$f":"IF(OR($U$11=\"\", $U$13=\"\"), \"\",\n   INDEX($H$23:$P$24,\n         MATCH($U$13,$F$23:$F$24,0),\n         MATCH($U$11,$H$10:$P$10,0)))","v":{"$error":"#N/A"}}]
[null,6.25,99.4255,99.125500000000017,null,"720-739",null,0.5,0.375,0.375,0.125,-0.25,-0.6,-1.1499999999999999,-3.125,-4.5250000000000004,null,null,"Reserves",null,"Choose a Selection",{"$f":"'Feed(WS)'!$O$168","v":0}]
[null,6.375,99.9255,99.625500000000017,null,"700-719",null,0.125,-0.125,-0.125,-0.5,-0.625,-1.125,-2.0249999999999999,-3.875,-5.2750000000000004,null,null,"Payment History",null,"Choose a Selection",{"$f":"IF(OR($U$11=\"\", $U$15=\"\"), \"\",\n   INDEX($H$78:$P$82,\n         MATCH($U$15,$F$78:$F$82,0),\n         MATCH($U$11,$H$10:$P$10,0)))","v":{"$error":"#N/A"}}]
[null,6.4989999999999997,100.36250000000001,100.06250000000001,null,"680-699",null,-0.125,-0.5,-0.5,-0.625,-1.125,-1.75,-3.05,-4.875,{"$error":"#N/A"},null,null,"Credit Events",null,"Choose a Selection",{"$f":"IF(OR($U$11=\"\", $U$16=\"\", $U$16=\"NONE\"),0,\n   INDEX($H$84:$P$87,\n         MATCH($U$16,$F$84:$F$87,0),\n         MATCH($U$11,$H$10:$P$10,0)))","v":{"$error":"#N/A"}}]
[null,6.625,100.76050000000001,100.46050000000001,null,"660-679",null,-0.625,-0.625,-0.625,-1.125,-1.625,-2.7250000000000001,-4,{"$error":"#N/A"},{"$error":"#N/A"},null,null,"Doc Type",null,"Choose a Selection",0]
[null,6.75,101.15150000000001,100.85150000000002,null,"640-659",null,-1.625,-1.75,-1.875,-2.25,-2.625,-3.875,-4.9000000000000004,{"$error":"#N/A"},{"$error":"#N/A"},null,null,"Additional Adjs",null,"Choose a Selection",{"$f":"IF(OR($U$11=\"\", $U$18=\"\", $U$18=\"None in this Dropdown\"),0,\n   INDEX($H$26:$P$31,\n         MATCH($U$18,$F$26:$F$31,0),\n         MATCH($U$11,$H$10:$P$10,0)))","v":{"$error":"#N/A"}}]
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[null,6.9989999999999997,101.90950000000001,101.60950000000001,null,"600-619",null,-3,-3.25,-3.5,-3.75,-4.25,-5.625,-6.625,{"$error":"#N/A"},{"$error":"#N/A"},null,null,"DTI",null,"Choose a Selection",{"$f":"'Feed(WS)'!$Q$163","v":0}]
[null,7.125,102.27650000000001,101.97650000000002,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Loan Balance",null,"Choose a Selection",{"$f":"IF(OR($U$11=\"\", $U$21=\"\"), \"\",\n   INDEX($H$39:$P$49,\n         MATCH($U$21,$F$39:$F$49,0),\n         MATCH($U$11,$H$10:$P$10,0)))","v":{"$error":"#N/A"}}]
[null,7.25,102.63550000000001,102.33550000000001,null,"Program",null,null,null,null,null,null,null,null,null,null,null,null,"Purpose",null,"Choose a Selection",{"$f":"IF(OR($U$11=\"\", $U$22=\"\"), \"\",\n   INDEX($H$33:$P$37,\n         MATCH($U$22,$F$33:$F$37,0),\n         MATCH($U$11,$H$10:$P$10,0)))","v":{"$error":"#N/A"}}]
[null,7.375,102.98750000000001,102.68750000000001,null,"SELECT",null,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,{"$error":"#N/A"},null,null,"Occupancy",null,"Choose a Selection",{"$f":"'Feed(WS)'!$P$168","v":0}]
[null,7.4989999999999997,103.33150000000001,103.03150000000001,null,"Core",null,0,0,0,0,0,0,0,0,0,null,null,"Property Type",null,"Choose a Selection",{"$f":"'Feed(WS)'!$P$163","v":0}]
[null,7.625,103.66750000000002,103.36750000000002,null,"Income Doc Types",null,null,null,null,null,null,null,null,null,null,null,null,"Loan Term",null,"Choose a Selection",{"$f":"'Feed(WS)'!$O$163","v":0}]
[null,7.75,103.99550000000001,103.69550000000001,null,"VOE w/ Bank Statement",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.5,null,null,"Escrow",null,"Choose a Selection",{"$f":"'Feed(WS)'!$Q$168","v":0}]
[null,7.875,104.31550000000001,104.01550000000002,null,"1099 w/ Bank Statement",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.5,null,null,"Prepayment Penalty",null,"Choose a Selection",{"$f":"IF($U$11=\"\", \"\",\n   IF($U$27=\"Choose a Selection\",0,\n      INDEX($H$57:$P$68,\n           MATCH($U$27,$F$57:$F$68,0),\n           MATCH($U$11,$H$10:$P$10,0))))","v":0}]
[null,7.9989999999999997,104.59650000000001,104.29650000000001,null,"Asset Utilization",null,-0.375,-0.5,-0.5,-0.5,-0.75,-1,-1.5,{"$error":"#N/A"},{"$error":"#N/A"},null,null,"NJ - Title Vesting",null,null,0]
[null,8.125,104.84650000000001,104.54650000000001,null,"P&L w/ Bank Statement",null,-0.125,-0.25,-0.25,-0.25,-0.25,-0.25,-0.375,-0.375,-0.5,null,null,"State",null,"Choose a Selection",0]
[null,8.25,105.09650000000001,104.79650000000001,null,"P&L Only",null,-0.75,-0.75,-0.75,-0.75,-1,-1.5,-2,{"$error":"#N/A"},{"$error":"#N/A"},null,null,"Lock Term",null,"Choose a Selection",{"$f":"'Feed(WS)'!$R$168","v":0}]
[null,8.375,105.34650000000001,105.04650000000001,null,"Professional",null,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,null,null,"Buydown",null,"Choose a Selection",{"$f":"IF(OR(\n      AND(OR($U$31='Feed(WS)'!$R$4:$R$5), $U$22<>'Feed(WS)'!$J$3),\n      AND(OR($U$31='Feed(WS)'!$R$4:$R$5), $U$25<>'Feed(WS)'!$M$4),\n      AND(OR($U$31='Feed(WS)'!$R$4:$R$5), $U$23<>'Feed(WS)'!$L$3:$L$4),\n   ),\n   NA(),\n   0)","v":0}]
[null,8.4990000000000006,105.59650000000001,105.29650000000001,null,"Purpose",null,null,null,null,null,null,null,null,null,null,null,null,"Subordinate Financing",null,"Choose a Selection",{"$f":"IF($U$11=\"\",\"\",\n   IF($U$32=\"\",\"\",IF(OR($U$32=\"No\",$U$32=\"Choose a Selection\"),0,INDEX($H$70:$P$76,\n              MATCH(IF($U$32=\"Yes\",$S$32,$U$32),$F$70:$F$76,0),\n              MATCH($U$11,$H$10:$P$10,0)))))","v":0}]
[null,8.625,105.84650000000001,105.54650000000001,null,"Purchase",null,0,0,0,0,0,0,0,0,0,null,null,"Possible Eligibility Issue",null,"Choose a Selection",{"$f":"'Feed(WS)'!$B$67","v":0}]
[null,8.75,106.03450000000001,105.73450000000001,null,"Rate Term Refi",null,0,0,0,0,0,-0.125,-0.25,-0.25,{"$error":"#N/A"},null,null,"State Tier Adjusment",null,"Tier 2 States",{"$f":"IF(U34=\"Tier 1 States\",V78,IF(U34=\"Tier 2 States\",V80,IF(U34=\"Tier 3 States\",V82,\"0.000\")))","v":0.15}]
[null,8.875,106.22150000000001,105.92150000000001,null,"Cash Out Refi",null,0,-0.125,-0.125,-0.25,-0.5,-0.625,-0.625,{"$error":"#N/A"},{"$error":"#N/A"},null,null,{"$f":"IF('Feed(WS)'!Z1=0,\"\",INDEX('Feed(WS)'!$AA$1:$AA$3,MATCH('Feed(WS)'!Z1,'Feed(WS)'!$Z$1:$Z$3,0)))","v":"Special "},null,{"$f":"IF(V35=FALSE,\"Not Applicable\",'Feed(WS)'!Y5)","v":"Not Applicable"},{"$f":"'Feed(WS)'!$Z$1","v":false}]
[null,8.9990000000000006,106.40950000000001,106.10950000000001,null,"Rate Term Refi FICO < 680",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.5,-0.5,{"$error":"#N/A"},{"$error":"#N/A"},null,null,"  Total LLPA",null,null,{"$f":"SUM($V$12:$V$35)","v":{"$error":"#N/A"}}]
[null,9.125,106.59650000000001,106.29650000000001,null,"Cash Out Refi FICO < 680",null,-0.5,-0.5,-0.625,-0.625,-0.75,-1,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,null,"  Gross Rate Sheet Price (Prior to LLPAs)",null,null,{"$f":"IFERROR(INDEX(C10:D50, MATCH(U10, B10:B50, 0), MATCH(U17, C10:D10, 0)), \"#N/A\")","v":"#N/A"}]
[null,9.25,106.78450000000001,106.48450000000001,null,"Loan Amount",null,null,null,null,null,null,null,null,null,null,null,null,"  Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)",null,null,{"$f":"IFERROR(IF(AND(OR(U19='Feed(WS)'!P6),NonQM!U10<NonQM!T69),\"Minimum Rate\",IF(AND($U$10<>'Feed(WS)'!$K$134,V39=T66),NA(),V37+V36)),\"Minimum Rate\")","v":"Minimum Rate"}]
[null,9.375,106.97150000000001,106.67150000000001,null,"<$150,000",null,-0.5,-0.75,-0.75,-0.75,-0.75,-0.875,-1,-1.25,-1.25,null,null,"  Max YSP",null,null,{"$f":"IF(OR('Feed(WS)'!$E$147=0, ISERROR('Feed(WS)'!$E$147)), NA(), 'Feed(WS)'!$E$147)","v":{"$error":"#N/A"}}]
[null,9.4990000000000006,107.15950000000001,106.85950000000001,null,"$150,001-$250,000",null,0,0,-0.125,-0.125,-0.125,-0.125,-0.25,-0.25,-0.25,null,null,"Final Price  →",null,null,{"$f":"IF(OR($V$36=\"#NA\",$V$37=\"#NA\"),NA(),IF(AND($U$10<>'Feed(WS)'!$K$134,$V$39=$T$66),NA(),IF($V$38>$V$39,$V$39,$V$38)))","v":{"$error":"#N/A"}}]
[null,9.625,107.34650000000001,107.04650000000001,null,"$250,001-$500,000",null,0,0,0,0,0,0,0,0,0,null,null,{"$f":"IF(OR($U$11:$U$25=\"Choose a Selection\"),\"\",CONCATENATE('Feed(WS)'!$I$134,\" \",'Feed(WS)'!$K$134,\"%\"&\" @ \"&'Feed(WS)'!$L$134))","v":""}]
[null,9.75,107.53450000000001,107.23450000000001,null,"$500,001-$1,000,000",null,0.375,0.375,0.375,0.375,0.375,0.25,0.25,0.25,0.25,null,null,"MANUAL LPC CALCULATOR"]
[null,9.875,107.65950000000001,107.35950000000001,null,">$1,000,000",null,0.625,0.375,0.375,0.25,0.25,0.25,0.25,0,0,null,null,"Loan amount",null,500000]
[null,9.9990000000000006,107.78450000000001,107.48450000000001,null,">$1,500,000",null,0.25,0.25,0.125,0.125,0.125,0.125,0.125,0,0,null,null,"LPC %",null,2.25,{"$f":"U44/100*U43","v":11250}]
[null,10.125,107.90950000000001,107.60950000000001,null,">$2,000,000",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.375,-0.5,{"$error":"#N/A"},null,null,"LPC Flat Fee",null,null,{"$f":"U45/U43*100","v":0}]
[null,10.25,108.03450000000001,107.73450000000001,null,">$2,500,000",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,{"$error":"#N/A"},{"$error":"#N/A"},null,null,"Total LPC LLPA ",null,{"$f":"U44+V45","v":2.25}]
[null,10.375,108.15950000000001,107.85950000000001,null,">$3,000,000",null,-1,-1,-1,-1,-1,-1,-1,{"$error":"#N/A"},{"$error":"#N/A"},null,null,"Final Price AFTER LPC  →",null,{"$f":"V40-U46","v":{"$error":"#N/A"}}]
[null,10.499000000000001,108.28450000000001,107.98450000000001,null,">$3,500,000",null,-2,-2,-2,-2,-2,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,null,"*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only\n*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit"]
[null,10.625,108.40950000000001,108.10950000000001,null,">$4,000,000",null,-3,-3,-3,-3,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"}]
[null,10.75,108.53450000000001,108.23450000000001,null,"Occupancy/Property/Units"]
[null,null,null,null,null,"NOO",null,-0.25,-0.375,-0.375,-0.625,-0.625,-0.625,-0.625,-0.875,{"$error":"#N/A"},null,null,"Calculator does not verify eligibility.\nPlease use in conjunction with product matrix."]
[null,null,null,null,null,"2nd Home",null,-0.25,-0.25,-0.25,-0.5,-0.5,-0.5,-0.5,-0.5,{"$error":"#N/A"}]
[null,null,null,null,null,"NW Condo",null,-1,-1,-1,-1,-1.25,-1.5,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"}]
[null,null,null,null,null,"2 Units",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"}]
[null,"Lock Term","LLPA",null,null,"3-4 Units",null,-0.125,-0.125,-0.25,-0.25,-0.25,-0.5,-0.625,{"$error":"#N/A"},{"$error":"#N/A"},null,null,"Max Price",null,"Terms","Caps"]
[null,"45 Day",-0.25,null,null,"Prepayment Penalty",null,null,null,null,null,null,null,null,null,null,null,null,"Owner/2nd Home",102,"5/6 ARM","2/1/5"]
[null,"60 Day",-0.5,null,null,"No PPP-States not allowed",null,-1,-1,-1,-1,-1,-1,-1,-1,{"$error":"#N/A"},null,null,">$2,500,000",101,"7/6 ARM","5/1/5"]
[null,"Extension Cost",null,null,null,"No PPP-States that allow",null,-1.75,-1.75,-1.75,-1.75,-1.75,-1.75,-1.75,-2,{"$error":"#N/A"},null,null,"80.01-90.00% LTV",101,"Floor","Margin"]
[null," See Below Extension Cost\n\nAll Rates @ 2 bps / day Extension Cost\n\nCurrent lock extension costs/policies apply to all active locks, regardless of lock date\n\nAll 45 day locks are at a 25bp cost and are eligible for up to 15 days of extensions at cost \nAll 60 day locks are at a 50bp cost and are not eligible for Lock Extensions",null,null,null,"12 Months PPP*",null,-1,-1,-1,-1,-1,-1,-1,-1,{"$error":"#N/A"},null,null,"ITIN/Foreign National",101,"Index","6 Month SOFR"]
[null,null,null,null,null,"24 Months PPP*",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.75,-0.75,-0.75,{"$error":"#N/A"},null,null,"Subord Financing",100,"Reset","6 Month"]
[null,null,null,null,null,"36 Months PPP*",null,0.25,0.125,0.125,0.125,0.125,0.125,0.125,6.25E-2,{"$error":"#N/A"},null,null,"No PPP",100,"Margin",4]
[null,null,null,null,null,"48 Months PPP*",null,0.375,0.25,0.25,0.25,0.25,0.25,0.25,0.125,{"$error":"#N/A"},null,null,"12 Months PPP",101.5,"Terms","LLPA"]
[null,null,null,null,null,"60 Months PPP*",null,0.75,0.625,0.625,0.625,0.625,0.625,0.625,0.5,{"$error":"#N/A"},null,null,"24 Months PPP",102,"15YR Fixed",0.25]
[null,null,null,null,null,"12 Months PPP (5% Fixed)**",null,-0.75,-0.75,-0.75,-0.75,-0.75,-0.75,-0.75,-1,{"$error":"#N/A"},null,null,"36-60 Months PPP",102.5,"30YR Fixed",0]
[null,null,null,null,null,"24 Months PPP  (5% Fixed)**",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.5,{"$error":"#N/A"},null,null,"Floor Price",null,"40YR Fixed",-0.5]
[null,null,null,null,null,"36 Months PPP  (5% Fixed)**",null,0.375,0.25,0.25,0.25,0.25,0.25,0.25,0.125,{"$error":"#N/A"},null,null,"NC Floor Price",99.75,"5/6 30YR ARM",0.25]
[null,null,null,null,null,"48 Months PPP  (5% Fixed)**",null,0.625,0.42499999999999999,0.42499999999999999,0.42499999999999999,0.42499999999999999,0.42499999999999999,0.42499999999999999,0.375,{"$error":"#N/A"},null,null,"Min Rate",null,"5/6 40YR ARM",-0.5]
[null,null,null,null,null,"60 Months PPP  (5% Fixed)**",null,1,0.75,0.75,0.75,0.75,0.75,0.75,0.625,{"$error":"#N/A"},null,null,">$2,500,000",6.625,"7/6 30YR ARM",0.25]
[null,null,null,null,null,"Other",null,null,null,null,null,null,null,null,null,null,null,null,"ITIN/Foreign National",7.125,"7/6 40YR ARM",-0.5]
[null,null,null,null,null,"Interest Only 30Yr FIX",null,-0.25,-0.25,-0.5,-0.5,-0.5,-0.5,-0.5,{"$error":"#N/A"},{"$error":"#N/A"},null,null,"Full Doc Includes",null,"Alt Doc Column Includes"]
[null,"Allowable Fees",null,null,null,"Interest Only 40Yr or ARM (30&40Yr)",null,-0.5,-0.5,-0.5,-0.5,-0.75,-0.75,-0.75,-1,{"$error":"#N/A"},null,null,"Tax Returns",null,"12 Bank Statements"]
[null,"Click Here",null,null,null,"Escrow Waived",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.5,null,null,"1099 Only",null,"12 or 24 CPA P&L"]
[null,"PPP Requirements",null,null,null,"DTI >45% - All Doc Types",null,0,0,-0.125,-0.25,-0.25,-0.25,-0.25,-0.5,{"$error":"#N/A"},null,null,"Asset Utilization Only",null,"Asset Utlization W/ Bank Stmt"]
[null,"PPP Required on NOO>80% LTV   \n* 6 Months interest on 80% of the Principal Balance *\n** 5% Fixed PPP option is 5% penalty on Current Balance for the duration of the Pre-Pay Term **",null,null,null,"DTI ≥50% - All Doc Types",null,-0.25,-0.25,-0.25,-0.375,-0.5,-0.625,-1,{"$error":"#N/A"},{"$error":"#N/A"},null,null,"Asset Utilization W/ Full Doc"]
[null,null,null,null,null,"ITIN",null,-1.5,-1.5,-2,-2,-2,-2,-2.25,-2.5,{"$error":"#N/A"},null,null,"VOE"]
[null,null,null,null,null,"Subordinate Financing",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5]
[null,null,null,null,null,"Payment History",null,null,null,null,null,null,null,null,null,null,null,null,"State Tier Adjustment"]
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[null,null,null,null,null,"1x30x12",null,-1.25,-1.25,-1.25,-1.25,-1.25,-1.25,-1.5,-2,{"$error":"#N/A"}]
[null,null,null,null,null,"1x60x12",null,-1.75,-1.75,-1.75,-1.75,-1.75,-2,-2,{"$error":"#N/A"},{"$error":"#N/A"},null,null,{"$f":"'Feed(WS)'!$U$162","v":"Tier 2 States"},{"$f":"'Feed(WS)'!$V$162","v":"DC, FL, ID, IL, IN, LA, MI, MN, MO, NC, OH, OK, PA, RI, TN, TX"},null,{"$f":"'Feed(WS)'!$W$162","v":0.15}]
[null,null,null,null,null,"1x30x6",null,-1.75,-1.75,-1.75,-1.75,-1.75,-2,-2,{"$error":"#N/A"},{"$error":"#N/A"}]
[null,null,null,null,null,"0x30x24",null,0,0,0,0,0,0,0,0,0,null,null,{"$f":"'Feed(WS)'!$U$163","v":"Tier 3 States"},{"$f":"'Feed(WS)'!$V$163","v":"AK, AL, AR, DE, IA, KS, KY, ME, MS, MT, ND, NE, NH, NM, SD, VT WI, WV, WY"},null,{"$f":"'Feed(WS)'!$W$163","v":0.25}]
[null,null,null,null,null,"Credit Events"]
[null,null,null,null,null,"12 Months",null,-1.5,-1.5,-2,-2,-2,-2,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"}]
[null,null,null,null,null,"24 Months",null,-1,-1,-1,-1.25,-1.25,-1.25,-1.5,{"$error":"#N/A"},{"$error":"#N/A"}]
[null,null,null,null,null,"36 Months",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.5,-0.5,-0.5,-0.5]
[null,null,null,null,null,"48 Months",null,0,0,0,0,0,0,0,0,0]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]

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[null,null,null,null,null,null,null,null,null,null,null,"LoanStream Mortgage"]
[null,"March Special",null,null,null,null,null,null,null,null,null,"19000 MacArthur Blvd, Suite 200"]
[null,"25 Bps","NonQm & DSCR",null,null,null,null,null,null,null,null,"Irvine, CA 92612"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Effective Date:",null,"2026-03-25"]
[null,"Base Price",null,null,null,"DSCR LoanStream",null,null,null,null,null,null,null,null,null,null,"NonQM Price Calculator"]
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[]
[null,"30 Day Lock",null,null,null,"Loan Level Pricing Adjustments",null,null,null,null,null,null,null,null,null,null,null,null,"Inputs"]
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[null,6.375,99.325500000000062,{"$error":"#N/A"},null,"700-719",0,0.5,0.25,-0.25,2.5000000000000001E-2,-0.25,-1,-2.625,{"$error":"#N/A"},null,"Payment History",null,"Choose a Selection",{"$f":"IF(OR($S$11=\"\", $S$15=\"\"), \"\",\n   INDEX($H$71:$O$75,\n         MATCH($S$15,$F$71:$F$75,0),\n         MATCH($S$11,$H$10:$O$10,0)))","v":{"$error":"#N/A"}}]
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[null,7.125,101.93450000000006,97.25,null,null,null,null,null,null,null,null,null,null,null,null,"Purpose",null,"Choose a Selection",{"$f":"IF(OR($S$11=\"\", $S$21=\"\"), \"\",\n   INDEX($H$30:$O$34,\n         MATCH($S$21,$F$30:$F$34,0),\n         MATCH($S$11,$H$10:$O$10,0)))","v":{"$error":"#N/A"}}]
[null,7.25,102.30950000000006,97.75,null,"Program",null,null,null,null,null,null,null,null,null,null,"DSCR Cashout",null,"Choose a Selection",0]
[null,7.375,102.68450000000006,98.125,null,"SELECT - DSCR",null,0.5,0.5,0.5,0.5,0.5,0.5,{"$error":"#N/A"},{"$error":"#N/A"},null,"Occupancy",null,"Choose a Selection",0]
[null,7.4989999999999997,103.02850000000007,98.75,null,"Core DSCR (≥1.20)",null,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,null,"Property Type",null,"Choose a Selection",{"$f":"'Feed(DSCR)'!$P$175","v":0}]
[null,7.625,103.34050000000006,99.25,null,"Core DSCR (≥1.00)",null,0,0,0,0,0,0,0,0,null,"Loan Term",null,"Choose a Selection",{"$f":"'Feed(DSCR)'!$O$175","v":0}]
[null,7.75,103.62150000000005,99.5,null,"Sub1 DSCR (0.75-0.99)",null,-2,-2,-2,-2,-2,-2,{"$error":"#N/A"},{"$error":"#N/A"},null,"Escrow",null,"Choose a Selection",{"$f":"'Feed(DSCR)'!$Q$180","v":0}]
[null,7.875,103.90350000000007,99.75,null,"No Ratio DSCR - < 0.75  ",null,-3,-3,-3,-3,-3,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Prepayment Penalty",null,"Choose a Selection",{"$f":"IF($S$11=\"\", \"\",\n   IF($S$27=\"Choose a Selection\",0,\n      INDEX($H$51:$O$62,\n           MATCH($S$27,$F$51:$F$62,0),\n           MATCH($S$11,$H$10:$O$10,0))))","v":0}]
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[null,8.125,104.46550000000006,100.5,null,"Purpose",null,null,null,null,null,null,null,null,null,null,"State",null,"Choose a Selection",{"$f":"'Feed(DSCR)'!$O$185","v":0}]
[null,8.25,104.74650000000005,100.75,null,"Purchase",null,0,0,0,0,0,0,0,0,null,"Lock Term",null,"Choose a Selection",{"$f":"'Feed(DSCR)'!$R$180","v":0}]
[null,8.375,105.02850000000007,101,null,"Rate Term Refi",null,0,0,0,0,0,0,-0.25,-0.5,null,"Buydown",null,"No",{"$f":"IF(OR(\n      AND(OR($S$31='Feed(DSCR)'!$R$4:$R$5), $S$21<>'Feed(DSCR)'!$J$3),\n      AND(OR($S$31='Feed(DSCR)'!$R$4:$R$5), $S$25<>'Feed(DSCR)'!$M$4),\n      AND(OR($S$31='Feed(DSCR)'!$R$4:$R$5), $S$21<>'Feed(DSCR)'!$L$3:$L$4),\n   ),\n   NA(),\n   0)","v":0}]
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[null,8.625,105.55950000000006,101.75,null,"Rate Term Refi FICO < 680",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.375,{"$error":"#N/A"},null,"Possible Eligibility Issue",null,{"$f":"IF(ISNA(T33),\"Yes\",IF(T33=0,\"No\",\"\"))","v":"No"},{"$f":"'Feed(DSCR)'!$B$67","v":0}]
[null,8.75,105.80950000000006,102,null,"Cash Out Refi FICO < 680",null,-0.5,-0.5,-0.625,-0.75,-0.75,-1,{"$error":"#N/A"},{"$error":"#N/A"},null,"State Tier Adjusment",null,"Tier 2 States",{"$f":"IF(S34=\"Tier 1 States\",T79,IF(S34=\"Tier 2 States\",T81,IF(S34=\"Tier 3 States\",T83,\"0.000\")))","v":0.15}]
[null,8.875,106.05950000000006,102.375,null,"Loan Amount",null,null,null,null,null,null,null,null,null,null,{"$f":"IF('Feed(DSCR)'!Z1=0,\"\",INDEX('Feed(DSCR)'!$AA$1:$AA$3,MATCH('Feed(DSCR)'!Z1,'Feed(DSCR)'!$Z$1:$Z$3,0)))","v":"Special "},null,{"$f":"IF(T35=FALSE,'Feed(DSCR)'!Y4,'Feed(DSCR)'!Y5)","v":"Not Applicable"},{"$f":"'Feed(DSCR)'!$Z$1","v":false}]
[null,8.9990000000000006,106.30950000000006,102.5,null,"<$150,000",null,-0.25,-0.5,-0.5,-0.5,-0.5,-0.75,-0.75,-1.5,null,"  Total LLPA",null,null,{"$f":"SUM($T$12:$T$35)","v":{"$error":"#N/A"}}]
[null,9.125,106.55950000000006,102.875,null,"$150,001-$250,000",null,0,0,0,0,0,0,0,-0.25,null,"  Gross Rate Sheet Price (Prior to LLPAs)",null,null,{"$f":"IF(AND($S$24='Feed(DSCR)'!$K$10, $S$17='Feed(DSCR)'!$D$3),INDEX($B$11:$D$50, MATCH($S$10,$B$11:$B$50,0), MATCH($S$24,$B$10:$D$10,0)),INDEX($B$11:$D$50, MATCH($S$10,$B$11:$B$50,0), MATCH($S$17,$B$10:$D$10,0)))","v":{"$error":"#N/A"}}]
[null,9.25,106.68450000000006,103.125,null,"$250,001-$1,000,000",null,0,0,0,0,0,0,0,0,null,"  Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)",null,null,{"$f":"IFERROR(IF(AND(S19='Feed(DSCR)'!$P$6,S10<R70),\"Minimum Rate\",IF(AND($S$10<>'Feed(DSCR)'!$K$134,T39=R67),NA(),T37+T36)),\"Minimum Rate\")","v":"Minimum Rate"}]
[null,9.375,106.80950000000006,103.5,null,">$1,000,000",null,0.375,0.25,0.25,0.25,0.25,0,0,0,null,"  Max YSP",null,null,{"$f":"IF(OR('Feed(DSCR)'!$E$147=0, ISERROR('Feed(DSCR)'!$E$147)), NA(), 'Feed(DSCR)'!$E$147)","v":{"$error":"#N/A"}}]
[null,9.4990000000000006,106.93450000000006,103.875,null,">$1,500,000",null,0,0,0,0,0,0,0,0,null,"Final Price  →",null,null,{"$f":"IF(OR($T$36=\"#NA\",$T$37=\"#NA\"),NA(),IF(AND($S$10<>'Feed(DSCR)'!$K$134,$T$39=$R$67),NA(),IF($T$38>$T$39,$T$39,$T$38)))","v":{"$error":"#N/A"}}]
[null,9.625,107.05950000000006,104.125,null,">$2,000,000",null,-0.125,-0.125,-0.125,-0.25,-0.25,-0.25,-0.5,{"$error":"#N/A"},null,{"$f":"IF(OR($S$11:$S$25=\"Choose a Selection\"),\"\",CONCATENATE('Feed(DSCR)'!$I$134,\" \",'Feed(DSCR)'!$K$134,\"%\"&\" @ \"&'Feed(DSCR)'!$L$134))","v":""}]
[null,9.75,107.18450000000006,104.375,null,">$2,500,000",null,-0.375,-0.375,-0.5,-0.5,-0.5,-0.5,-0.75,{"$error":"#N/A"},null,"MANUAL LPC CALCULATOR"]
[null,9.875,107.30950000000006,104.625,null,">$3,000,000",null,-1,-1,-1,-1,-1.25,-1.5,{"$error":"#N/A"},{"$error":"#N/A"},null,"Loan amount",null,500000]
[null,9.9990000000000006,107.43450000000006,104.875,null,">$3,500,000",null,-2,-2.25,-2.5,-3,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"LPC %",null,2.25,{"$f":"S44/100*S43","v":11250}]
[null,10.125,107.55950000000006,105.125,null,"Property/Units",null,null,null,null,null,null,null,null,null,null,"LPC Flat Fee",null,null,{"$f":"S45/S43*100","v":0}]
[null,10.25,107.68450000000006,105.375,null,"NW Condo",null,-1,-1,-1,-1,-1,-1.5,{"$error":"#N/A"},{"$error":"#N/A"},null,"Total LPC LLPA ",null,{"$f":"S44+T45","v":2.25}]
[null,10.375,107.80950000000006,105.625,null,"Short Term Rental",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.625,-0.75,{"$error":"#N/A"},null,"Final Price AFTER LPC  →",null,{"$f":"T40-S46","v":{"$error":"#N/A"}}]
[null,10.499000000000001,107.93450000000006,105.875,null,"2 Units",null,0,0,0,0,0,0,0,{"$error":"#N/A"},null,"*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only\n*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit"]
[null,10.625,108.05950000000006,106.125,null,"3-4 Units",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,{"$error":"#N/A"}]
[null,10.75,108.18450000000006,106.375,null,"Prepayment Penalty"]
[null,null,null,null,null,"No PPP-States not allowed",null,-1,-1,-1,-1,-1,-1,-1,-1,null,"Calculator does not verify eligibility.\nPlease use in conjunction with product matrix."]
[null,null,null,null,null,"No PPP-States that allow",null,-1.75,-1.75,-1.75,-1.75,-1.75,-1.75,-1.75,-2]
[null,null,null,null,null,"12 Months PPP*",null,-1,-1,-1,-1,-1,-1,-1,-1]
[null,null,null,null,null,"24 Months PPP*",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.75,-0.75,-0.75]
[null,"Lock Term",null,"LLPA",null,"36 Months PPP*",null,0.25,0.125,0.125,0.125,0.125,0.125,0.125,6.25E-2,null,"Max Price",null,"State","LLPA"]
[null,"45 Day",null,-0.25,null,"48 Months PPP*",null,0.375,0.25,0.25,0.25,0.25,0.25,0.25,0.125,null,"36-60 Months PPP",102.5,"Georgia",-0.25]
[null,"60 Day",null,-0.5,null,"60 Months PPP*",null,0.75,0.625,0.625,0.625,0.625,0.625,0.625,0.5,null,">$2,500,000",101,"Illinois",-0.25]
[null,"Extension Cost",null,null,null,"12 Months PPP (5% Fixed)**",null,-0.75,-0.75,-0.75,-0.75,-0.75,-0.75,-0.75,-1,null,"80.01-90.00% LTV",101,"Kansas",-0.25]
[null,"Temporary Guidance See Below Extension Cost\n\nAll Rates @ 2 bps / day Extension Cost\n\nCurrent lock extension costs/policies apply to all active locks, regardless of lock date\n\nAll 45 day locks are at a 25bp cost and are eligible for up to 15 days of extensions at cost \nAll 60 day locks are at a 50bp cost and are not eligible for Lock Extensions",null,null,null,"24 Months PPP  (5% Fixed)**",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.5,null,"ITIN/Foreign National",101,"New Jersey",-0.25]
[null,null,null,null,null,"36 Months PPP  (5% Fixed)**",null,0.375,0.25,0.25,0.25,0.25,0.25,0.25,0.125,null,"Subord Financing",100,"North Carolina",-0.25]
[null,null,null,null,null,"48 Months PPP  (5% Fixed)**",null,0.625,0.42499999999999999,0.42499999999999999,0.42499999999999999,0.42499999999999999,0.42499999999999999,0.42499999999999999,0.375,null,"No PPP",100,"Ohio",-0.25]
[null,null,null,null,null,"60 Months PPP  (5% Fixed)**",null,1,0.75,0.75,0.75,0.75,0.75,0.75,0.625,null,"12 Months PPP",101.5,"Terms","LLPA"]
[null,null,null,null,null,"Other",null,null,null,null,null,null,null,null,null,null,"24 Months PPP",102,"15YR Fixed",0.25]
[null,null,null,null,null,"Interest Only 30Yr FIX",null,-0.375,-0.375,-0.375,-0.375,-0.5,-0.5,-0.5,{"$error":"#N/A"},null,"NJ Title Vested in LLC",100,"30YR Fixed",0]
[null,null,null,null,null,"Intt Only: 40Yr or ARM (30&40Yr)",null,-0.5,-0.5,-0.5,-0.5,-0.75,-0.75,-0.75,{"$error":"#N/A"},null,"DSCR 5-8 Units",100,"40YR Fixed",-0.5]
[null,null,null,null,null,"Escrow Waived",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.5,null,null,null,"5/6 30YR ARM",0.25]
[null,null,null,null,null,"ITIN",null,-1.5,-1.5,-1.5,-1.5,-1.5,-2,{"$error":"#N/A"},{"$error":"#N/A"},null,null,0,"5/6 40YR ARM",-0.5]
[null,null,null,null,null,"Foreign National",null,-1.5,-1.5,-1.5,-1.5,-1.5,-1.75,{"$error":"#N/A"},{"$error":"#N/A"},null,"Min Rate",null,"7/6 30YR ARM",0.25]
[null,"Allowable Fees",null,null,null,"Subordinate Financing",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,null,">$2,500,000",6.625,"7/6 40YR ARM",-0.5]
[null,"Click Here",null,null,null,"Payment History",null,null,null,null,null,null,null,null,null,null,"ITIN/Foreign National",7.125,"Terms","Caps"]
[null,"PPP Requirements",null,null,null,"0x30x12",null,0,0,0,0,0,0,0,0,null,null,null,"5/6 ARM","2/1/5"]
[null,"PPP Required on NOO>80% LTV   \n* 6 Months interest on 80% of the Principal Balance *\n** 5% Fixed PPP option is 5% penalty on Current Balance for the duration of the Pre-Pay Term **",null,null,null,"1x30x12",null,-1.25,-1.25,-1.25,-1.25,-1.25,-1.25,-1.5,-2,null,null,null,"7/6 ARM","5/1/5"]
[null,null,null,null,null,"1x60x12",null,-1.75,-1.75,-1.75,-1.75,-1.75,-2,-2,{"$error":"#N/A"},null,null,null,"Floor","Margin"]
[null,null,null,null,null,"1x30x6",null,-1.75,-1.75,-1.75,-1.75,-1.75,-2,-2,{"$error":"#N/A"},null,null,null,"Index","6 Month SOFR"]
[null,null,null,null,null,"0x30x24",null,0,0,0,0,0,0,0,0,null,null,null,"Reset","6 Month"]
[null,null,null,null,null,"Credit Events",null,null,null,null,null,null,null,null,null,null,null,null,"Margin",4]
[null,null,null,null,null,"12 Months",null,-2,-2,-2,-2,-2,-2,-2,-2]
[null,null,null,null,null,"24 Months",null,-1,-1,-1,-1.25,-1.25,-1.25,-1.25,-1.25,null,"State Tier Adjustment"]
[null,null,null,null,null,"36 Months",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.5,-0.5,-0.5,null,{"$f":"'Feed(DSCR)'!$U$161","v":"Tier 1 States"},{"$f":"'Feed(DSCR)'!$V$161","v":"AZ, CA, CO, CT, GA, HI, MA, MD, NJ, NV, OR, SC, UT, VA, WA"},null,{"$f":"'Feed(DSCR)'!$W$161","v":0}]
[null,null,null,null,null,"48 Months",null,0,0,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Feed(DSCR)'!$U$162","v":"Tier 2 States"},{"$f":"'Feed(DSCR)'!$V$162","v":"DC, FL, ID, IL, IN, LA, MI, MN, MO, NC, OH, OK, PA, RI, TN, TX"},null,{"$f":"'Feed(DSCR)'!$W$162","v":0.15}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Feed(DSCR)'!$U$163","v":"Tier 3 States"},{"$f":"'Feed(DSCR)'!$V$163","v":"AK, AL, AR, DE, IA, KS, KY, ME, MS, MT, ND, NE, NH, NM, SD, VT WI, WV, WY"},null,{"$f":"'Feed(DSCR)'!$W$163","v":0.25}]

{"sheet":"Feed(WS)","index":3,"n_rows":218,"n_cols":41,"rows_kept":218,"cut":false,"hidden":true,"merged":[[161,1,161,11],[160,1,160,2],[133,8,133,9],[79,8,79,11],[134,8,134,9],[128,1,128,3],[129,1,129,2],[130,1,130,2],[131,1,131,2],[132,1,132,2],[133,1,133,2],[79,1,79,4],[134,1,134,2],[137,1,137,2],[138,1,138,2],[139,1,139,2],[143,1,143,2],[135,1,135,2],[136,1,136,2],[140,1,140,2],[141,1,141,2],[142,1,142,2]]}
["FICO","LTV","Program","Doc Type","Additional Adjs","DTI","Loan Amount","Prepayment Penalties","Escrow Waiver","Purpose","Property Type","Occupancy","Term","Lock Period","Comp Type","Citizenships","Foreign National","Buydown","Subordinate Financing","State",null,"NOO & 2nd Home >75% LTV",null,{"$f":"IF(AND(OR(NonQM!U11=B9:B11),OR(NonQM!U23=L4:L6)),V4,V3)","v":"Not Applicable"},"All NonQM 25 except SELECT",{"$f":"IF(AND(OR(NonQM!U17=D3:D4),OR(NonQM!U22=J3:J7)),0.25)","v":false},"Special "]
["Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection",null,"Full/Alt NOO & 2nd Home ≤75% LTV",null,{"$f":"IF(AND(OR(NonQM!U11=B3:B8),OR(NonQM!U13=C3:C4),OR(NonQM!U23=L4:L6)),V4,V3)","v":"Not Applicable"}]
["780+","<=50","SELECT","Full Doc","None in this Dropdown","DTI ≤45% - All Doc Types","<$150,000","No PPP-States not allowed","Escrow Not Waived","Purchase","SFR","Primary","15YR Fixed","15 Day","Borrower Paid","US Citizen","Not Applicable1","No","No","Alaska",null,"Not Applicable",null,null,"Cash-Out/Debt Consol. FICO < 680",{"$f":"IF(AND(OR(NonQM!U12=A9:A12),OR(NonQM!U22=J5:J7)),VLOOKUP($Y$3,NonQM!$G$26:$I$82,3,FALSE),0)","v":0},"Cash-Out/Debt Consol. FICO < 680"]
["760-779","50.01-55","Core","Alt Doc","Asset Utilization","DTI >45% - All Doc Types","$150,001-$250,000","No PPP-States that allow","Escrow Waived","Rate Term Refi","2 Units","2nd Home","30YR Fixed","30 Day",null,"Permanent Resident","Not Applicable2","2:1 Buydown","Yes","All Other States",null,"Yes",null,null,"Not Applicable",null," "]
["740-759","55.01-60","SELECT - DSCR","DSCR","1099 w/ Bank Statement","DTI ≥50% - All Doc Types","$250,001-$500,000","12 Months PPP*",null,"Rate Term Refi FICO < 680","3-4 Units","Full Doc - Non-Owner","30YR IO Fixed","45 Day",null,"Non Perm Resident","Not Applicable3","1:0 Buydown",null,"Baltimore City, MD",null,null,null,null,"Yes",null,null,null," "]
["720-739","60.01-65","Core DSCR (≥1.20)",null,"VOE w/ Bank Statement","No DTI Program","$500,001-$1,000,000","24 Months PPP*",null,"Cash Out Refi","Condo","Non-Owner (Alt Doc/DSCR)","40YR IO Fixed","60 Day",null,"ITIN",null,null,null,"California",null,null,null,null,null,null,null,null," "]
["700-719","65.01-70","Core DSCR (≥1.00)",null,"P&L w/ Bank Statement",null,">$1,000,000","36 Months PPP*",null,"Cash Out Refi FICO < 680","FL Condo",null,"40YR Fixed","75 Day",null,"Foreign National",null,null,null,"Delaware",null,null,null,"green is logic",null,"NonQM!$U$22, $J$3",null,null," "]
["680-699","70.01-75","Sub1 DSCR (0.75-0.99)",null,"P&L Only",null,">$1,500,000","48 Months PPP*",null,null,"NW Condo",null,"5/6 30YR ARM",null,null,null,null,null,null,"Georgia",null,null,null,"z1 cell has 2 specials formulas",null,"NonQM!$U$22, $J$3:$J$7",null,null," "]
["660-679","75.01-80","No Ratio DSCR - < 0.75  ",null,"Professional",null,">$2,000,000","60 Months PPP*",null,null,"PUD",null,"5/6 30YR IO ARM",null,null,null,null,null,null,"Illinois",null,null,null,null,null,null,null,null," "]
["640-659","80.01-85","DSCR Fusion (DSCR + Asset Util)",null,"Short Term Rental",null,">$2,500,000","12 Months PPP (5% Fixed)**",null,null,"High Rise Condo",null,"5/6 40YR ARM",null,null,null,null,null,null,"Kansas",null,null,null,null,null,null,null,null," "]
["620-639","85.01-90",null,null,null,null,">$3,000,000","24 Months PPP  (5% Fixed)**",null,null,null,null,"7/6 30YR ARM",null,null,null,null,null,null,"Maryland"]
["600-619",null,null,null,null,null,">$3,500,000","36 Months PPP  (5% Fixed)**",null,null,null,null,"7/6 30YR IO ARM",null,null,null,null,null,null,"Minnesota",null,null,null,null,null,null,null,null," "]
[null,null,"Reserves","Payment History","Credit Events",null,">$4,000,000","48 Months PPP  (5% Fixed)**",null,"Title Vesting",null,null,"7/6 40YR ARM",null,null,null,null,null,null,"New Hampshire",null,null,null,null,null,null,null,null," "]
[null,null,"Choose a Selection","Choose a Selection","Choose a Selection",null,"DSCR CASHOUT","60 Months PPP  (5% Fixed)**",null,null,null,null,null,null,null,null,null,null,null,"New Jersey"]
[null,null,"< 3 Months","0x30x12","12 Months",null,"Choose a Selection",null,null,"NJ Title Vested In LLC",null,null,null,null,null,null,null,null,null,"New Mexico"]
[" 'NanQ ONE Program'!",null,"≥ 3 Months","1x30x12","24 Months",null,"No",null,null,"NJ Title Vested In Corp",null,null,null,null,null,null,null,null,null,"North Carolina"]
["Feed(WS)'!",null,"≥ 6 Months","1x30x12 (DSCR)","36 Months",null,"Yes","5% Fixed PPP",null,null,null,null,null,null,null,null,null,null,null,"Ohio"]
[null,null,"≥ 12 Months","1x60x12","48 Months"]
[null,null,null,"1x30x6","NONE",null,null,"No"]
[null,null,null,"0x30x24",null,null,null,"Yes"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Pop Ups",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["No Ratio above 60% warning",{"$f":"IF(AND(OR(NonQM!U11='Feed(WS)'!B6:B11),NonQM!U13=\"No Ratio (0.75-0.99)\"),TRUE,FALSE)","v":false},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NonQM!$U$22, $J$6:$J$7, 0",null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NonQM!$U$22, $J$4:$J$5, 0",null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NonQM!$U$22, $J$4:$J$5, 0",null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CORE 1x30",null,null,null,"CORE 1x60"]
[null,null,null,null,null,"Disqualifiers Select",null,null,null,null,null,"Disqualifiers DSCR",null,null,null,null,"CORE",null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5:$G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 700+ purchase capped 85%",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5:$G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 700+ purchase capped 80%",null,null,null,null,null,"All States PPP",null,null,null,"Misc Disqualifiers",null,null,null," "]
["Disqualifiers",null,null,null,null,"Preferred x Housing History",{"$f":"IF(AND(OR(NonQM!U15=D15:D18),NonQM!U13=C3),NA(),\"\")","v":""},"Has to be 0x30x24",null,null,null,"Prop Type",null,"2-4 Units is capped at 80% LTV",null,null,"FICO X Loan Amt X LTV X STANDARD",{"$f":"IF(AND(NonQM!U12=A8,OR(NonQM!U21=G8:G13),OR(NonQM!U11=B10:B11),OR(NonQM!U22=J3),NonQM!U13=C4),NA(),\"\")","v":""},"680 Standard, LTV 85.01-90% NA over 1.5 mil",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5:$G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 680+ Purchase capped 80%",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5:$G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 680+ Purchase capped 75%",null,null,null,null,null,"State Restrictions",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $C$3:$C$9, 0)),\n   NonQM!$U$29 = $T$15\n), NA(), \"\")","v":""},"FULL ALT N/A for Baltimore City and Essex County",null,"DSCR 640 FICO",null,"Max Cashout 640 FICO DSCR is 70%",null," "]
["ITIN",{"$f":"IF(AND(NonQM!U19='Feed(WS)'!P6,NonQM!U11=B11),NA(),\"\")","v":""},"ITIN N/A for 85.01-90% LTV",null,null,"Reserves X Preferred",{"$f":"IF(AND(OR(NonQM!U14=C15:C16),NonQM!U13=C3),NA(),\"\")","v":""},"Min 6 Months",null,null,null,"Prop Type",null,"2-4 Units is capped at 75% LTV Cahshout (5% Reduction)",null,null,"FICO X Loan Amt X LTV X A+",{"$f":"IF(AND(NonQM!U12=A8,OR(NonQM!U21=G8),OR(NonQM!U11=B10:B11),NonQM!U13=C4),NA(),\"\")","v":""},"680 FICO caps over 1.5MM to 2 MM 80% LTV",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5:$G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 600+ Purchase capped 75%",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5:$G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 600+ Purchase capped 70%",null,null,null,null,null,null,null,"DSCR N/A for Baltimore City and Essex County",null,"DSCR 620 FICO",null,"Max Cashout 620 FICO DSCR is 65%",null," "]
["ITIN",{"$f":"IF(AND(NonQM!U19='Feed(WS)'!P6,OR(NonQM!U12='Feed(WS)'!A10:A12)),NA(),\"\")","v":""},"ITIN minimum 660 Fico rule for all LTVs",null,null,"Occupancy",{"$f":"IF(AND(OR(NonQM!U17=D5),NonQM!U13=C3),NA(),\"\")","v":""},"Select N/A s DSCR",null,null,null,"DSCR",null,"DSCR 75% CAP on Cash out ",null,null,"FICO X Loan Amt X LTV X A+",{"$f":"IF(AND(NonQM!U12=A8,OR(NonQM!U21=G9),OR(NonQM!U11=B9:B11),NonQM!U13=C4),NA(),\"\")","v":""},"680 FICO caps over 2MM to 2.5MM 75% LTV",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10:$G$13, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 700+ purchase capped 80% >$2.5",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10:$G$13, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 700+ purchase capped 80% >$2.5",null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND(NonQM!U19='Feed(WS)'!P6,OR(NonQM!U21='Feed(WS)'!G8:G13)),NA(),\"\")","v":""},"ITIN 0-1.5 mil loan amount max",null,null,"Occupancy",{"$f":"IF(AND(OR(NonQM!U23=L4),NonQM!U13=C3,OR(NonQM!U11=B9:B11)),NA(),\"\")","v":""},"Select  2nd Home Max 75%",null,null,null,"DSCR Select",null,"NAs 2-4 Units/NW Codno",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(NonQM!U12=A8,OR(NonQM!U21=G10),OR(NonQM!U11=B8:B11),NonQM!U13=C4),NA(),\"\")","v":""},"680 FICO caps over 2.5MM to 3MM 70% LTV",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10:$G$13, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 680+ purchase capped 75% >$2.5",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10:$G$13, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 680+ purchase capped 75% >$2.5",null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND(NonQM!U19='Feed(WS)'!P6,OR(NonQM!U11=B10:B11),OR(NonQM!U23=L5:L6)),NA(),\"\")","v":""},"ITIN N/A for 80.01-90% LTV on NOO",null,null,"Occupancy",{"$f":"IF(AND(OR(NonQM!U23=L5:L6),NonQM!U13=C3,OR(NonQM!U11=B9:B11)),NA(),\"\")","v":""},"Preferred  NOO Max 75%",null,null,null,"DSCR",null,"No Ratio Nas on FICOs below 640",null,null,"FICO X Loan Amt X LTV X STANDARD",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!U11, B6:B11, 0)),\n   ISNUMBER(MATCH(NonQM!U21, G11:G13, 0)),\n   ISNUMBER(MATCH(NonQM!U12, A7:A8, 0)),ISNUMBER(MATCH(NonQM!U22, J3:J4, 0)),\n   NonQM!U13 = C4\n), NA(), \"\")","v":""},"680-719 FICO caps at 60% LTV Pur/R&T",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10:$G$13, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 600+ purchase capped 70% >$2.5",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10:$G$13, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 600+ purchase capped 70% >$2.5",null,null,null,null,null,"PPP for all other states Full/Alt",{"$f":"IF(AND(OR(NonQM!U23=L5:L6),(NonQM!U27=H3),OR(NonQM!U29='Feed(WS)'!T3)),NA(),\"\")","v":""},"IF All Other States and NO PPP is chosen then it will N/A"]
[" Foreign National",{"$f":"IF(AND(NonQM!U19='Feed(WS)'!P7,OR(NonQM!U12='Feed(WS)'!A8:A12)),NA(),\"\")","v":""},"FN minimum 700 Fico rule",null,null,"Prop Type",{"$f":"IF(AND(OR(NonQM!U24=K6),NonQM!U13=C3,OR(NonQM!U11=B11)),NA(),\"\")","v":""},"Preferred Condo Max 85%",null,null,null,"DSCR Select",null,"Nas for Select DSCR STR",null,null,"FICO X Loan Amt X LTV X STANDARD",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!U11, B3:B11, 0)),\n   ISNUMBER(MATCH(NonQM!U21, G12:G13, 0)),\n   ISNUMBER(MATCH(NonQM!U12, A8, 0)),\n   NonQM!U13 = C4\n), NA(), \"\")","v":""},"680 FICO NA >3.5MM",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$4:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5:$G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 700+ & 680+ R&T capped 80%",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$4:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5:$G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 700+ & 680+ R&T capped 80%",null,null,null,null,null,"PPP for all other states DSCR",null,"IF All Other States and NO PPP is chosen then it will N/A"]
["All PPPs",{"$f":"IF(AND(OR(NonQM!U29=T7:T10,NonQM!U29=T4),OR(NonQM!U27=H4:H10),OR(NonQM!U23=L5:L6)),NA(),\"\")","v":""},"NA if PPP is selected for AK, ME,MI, NM",null,null,"Prop Type",{"$f":"IF(AND(OR(NonQM!U24=K8),NonQM!U13=C3),NA(),\"\")","v":""},"Preferred N/A s NW Condo",null,null,null,"DSCR State",null,"DSCR 2MM cap for Georgia",null,null,"FICO X Loan Amt X LTV X STANDARD",{"$f":"IF(AND(NonQM!U12=A7,OR(NonQM!U21=G8:G13),OR(NonQM!U11=B11),NonQM!U13=C4),NA(),\"\")","v":""},"700-719 FICO caps over 1.5MM 85% LTV",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$4:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 600+ Purchase capped 75%",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$4:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 600+ Purchase capped 75%",null,null,null,null,null,"Maryland PPP Full/Alt",{"$f":"IF(AND(OR(NonQM!U23=L5:L6),OR(NonQM!U27=H3,NonQM!U27=H8:H9),OR(NonQM!U29='Feed(WS)'!T6)),NA(),\"\")","v":""},"If MD and PPP >36months NA"]
[1099,{"$f":"IF(AND(NonQM!U18=E5,OR(NonQM!U21=G11:G13)),NA(),\"\")","v":""},"NA on 1099 over $3MM",null,null,"Prop Type",{"$f":"IF(AND(OR(NonQM!U24=K4),NonQM!U13=C3,OR(NonQM!U11=B10:B11)),NA(),\"\")","v":""},"2 Units is capped at 80% LTV",null,null,null,"DSCR",null,"DSCR >80%LTV needs ratio of 1.20 ",null,null,"FICO X Loan Amt X LTV X STANDARD",{"$f":"IF(AND(NonQM!U12=A7,OR(NonQM!U21=G10:G13),OR(NonQM!U11=B9:B11),NonQM!U13=C4),NA(),\"\")","v":""},"700-719 FICO caps over 2.5MM 75% LTV",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 600+ cashout capped 70%",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 600+ cashout capped 70%",null,null,null,null,null,"Maryland PPP DSCR",null,"If MD and PPP >36months NA"]
[" Foreign National",{"$f":"IF(AND(NonQM!U19='Feed(WS)'!P7,OR(NonQM!U21='Feed(WS)'!G9:G11)),NA(),\"\")","v":""},"FN 0-2 mil loan amount max",null,null,"Prop Type",{"$f":"IF(AND(OR(NonQM!U24=K5),NonQM!U13=C3,OR(NonQM!U11=B9:B11)),NA(),\"\")","v":""},"3-4 Units is capped at 75% LTV",null,null,null,"NJ PPP",null,"If NJ <> Vested in LLC ",null,null,"FICO X Loan Amt X LTV X STANDARD",{"$f":"IF(AND(NonQM!U12=A7,OR(NonQM!U21=G12:G13),OR(NonQM!U11=B4:B11),NonQM!U13=C4),NA(),\"\")","v":""},"700-719 FICO cap over 3.5MM is 50% LTV",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$11:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 600+ cashout capped 65% >$1mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$11:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 600+ cashout capped 65% >$1mm"]
["NAs >$4,000,000 ",{"$f":"IF(NonQM!U21=G13,NA(),\"\")","v":""},null,null,null,"Prop Type",{"$f":"IF(AND(OR(NonQM!U24=K7),OR(NonQM!U11=B9:B11)),NA(),\"\")","v":""},"FL Condo Max LTV 75%",null,null,null,"NJ no PPP in Corp",null,"If NJ Corp has to have PPP",null,null,"FICO X Loan Amt X LTV X STANDARD",{"$f":"IF(AND(NonQM!U12=A6,OR(NonQM!U21=G10:G13),OR(NonQM!U11=B10:B11),NonQM!U13=C4),NA(),\"\")","v":""},"720-739 FICO cap over 2.5MM 75% LTV",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 600+ purchase capped 70%",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 600+ purchase capped 70%",null,null,null,null,null,"DSCR 5-8 40 Yr I/O",null,null,null,null,null,null,null," "]
["85.01-90% LTV",{"$f":"IF(AND(NonQM!U11='Feed(WS)'!B11,NonQM!U13='Feed(WS)'!C4,OR(NonQM!U23='Feed(WS)'!L4:L6)),NA(),\"\")","v":""},"A+ / NOO - 2nd home / 85.01-90%",null,null,"Loan Term",{"$f":"IF(AND(NonQM!U13=C3,OR(NonQM!U25=M8:M13,OR(NonQM!U25=M5:M6))),NA(),\"\")","v":""},"Select N/A s 15Year, ARMS, IO, and 40 Year",null,null,null,"LLC PPP",null,"Need to choose NJ and in LLC to allow no PPP for max of 100",null,null,"FICO X Loan Amt X LTV X STANDARD",{"$f":"IF(AND(NonQM!U12=A6,OR(NonQM!U21=G11:G13),OR(NonQM!U11=B8:B11),NonQM!U13=C4),NA(),\"\")","v":""},"720-739 FICO cap over 3MM 70% LTV",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  5% LTV reduction FICO 600-679 Cashout capped 65%",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  5% LTV reduction FICO 600-679 Cashout capped 65%",null,null,null,null,null,"DSCR 5-8 Escrow",null,"Must have impounds/escrows",null,null,null,null,null," "]
["C Grade >70%","Not used","C Grade /  >70% LTV",null,null,"Preferred X Cash out",{"$f":"IF(AND(NonQM!U13=C3,OR(NonQM!U11=B9:B11),OR(NonQM!U22=J6:J7)),NA(),\"\")","v":""},"Cash Out caps LTV at 75%",null,null,null,"Corp No state",null,"If Vesting=corp, and state is ALL, and NO PPP then NA",null,null,"FICO X Loan Amt X LTV X STANDARD",{"$f":"IF(AND(NonQM!U12=A6,OR(NonQM!U21=G12:G13),OR(NonQM!U11=B6:B11),NonQM!U13=C4),NA(),\"\")","v":""},"720-739 FICO cap over 3.5MM 60% LTV",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5:$G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 700+ CASHOUT Max 75%",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5:$G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 700+ CASHOUT Max 70%",null,null,null,null,null,"Sub 1 Ratio 70%",null,"No Ratio Pur/R&T N/A >70%",null,null,null,null,null," "]
["PPP >80% LTV",{"$f":"IF(AND(OR(NonQM!U11='Feed(WS)'!B10:B11),OR(NonQM!U23='Feed(WS)'!L5:L6),OR(NonQM!U27='Feed(WS)'!H2:H4)),NA(),\"\")","v":""},"80.01-90% / NOO / PPP required",null,null,"Preferred X Loan Amount",{"$f":"IF(AND(NonQM!U13=C3,OR(NonQM!U21=G11:G13,NonQM!U21=G3)),NA(),\"\")","v":""},"No Select over 3MM or Below <150k",null,null,null,"Vesting Blank",null,"If Vesting is left blank, State NJ, and PPP is chosen then NA",null,null,"FICO X Loan Amt X LTV X STANDARD",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!U11, B7:B11, 0)),\n   ISNUMBER(MATCH(NonQM!U21, G12:G13, 0)),\n   ISNUMBER(MATCH(NonQM!U12, A3:A6, 0)),\n   NonQM!U13 = C4\n), NA(), \"\")","v":""},"740+ FICO cap over 3.5MM 65% LTV",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 720+ CASHOUT Max 75% >1mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 700+ CASHOUT Max 70% >1mm",null,null,null,null,null,"Max LTV Sub 1",null,"Max 75% 720+ FICO Sub 1 Ratio",null,null,null,null,null," "]
["Grade A+ Min FICO is 660","Not used","Grade A+ Minimum FICO is 660, so under 660 is “NA”",{"$f":"IF(AND(OR(NonQM!U12=A10:A12),NonQM!U13=C4),NA(),\"\")","v":""},null,"FICO X Preferred",{"$f":"IF(AND(OR(NonQM!U12=A9:A12),NonQM!U13=C3),NA(),\"\")","v":""},"680 FICO minimum",null,null,null,"DSCR 5-8 Units",null,"NAs Alt, Full for 5-8 Units",null,null,"FICO X Loan Amt X LTV X STANDARD",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!U12, A11:A12, 0)),\n   ISNUMBER(MATCH(NonQM!U11, B9:B11, 0)),\n   ISNUMBER(MATCH(NonQM!U22, J3:J4, 0)),\n   ISNUMBER(MATCH(NonQM!U21, G7, 0)),\n   NonQM!U13 = C4\n), NA(), \"\")","v":""},"600+ FICO cap over 1mm 75% Purchase & R&T",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$10, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 640-679 CASHOUT Max 70% >1mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$10, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 640-679 CASHOUT Max 65% >1mm",null,null,null,null,null,"No Ratio Cashout",null,"No Ratio Cashout N/A >65%",null,null,null,null,null," "]
["85.01-90% LTV 1.5mil cap",{"$f":"IF(AND(NonQM!U11=B11,OR(NonQM!U21=G8:G13)),NA(),\"\")","v":""},"90% LTV Max loan amount is 1.5MM, so >1.5 and >2 and >3 is “NA”",null,null,"FICO X Loan Amt X LTV X Preferred",{"$f":"IF(AND(NonQM!U12=A8,OR(NonQM!U21=G4:G13),OR(NonQM!U11=B9:B11),NonQM!U13=C3),NA(),\"\")","v":""},"680-699 FICO caps 1 MM at 80% LTV",null,null,null,"DSCR 5-8 Purchase 720 1.5MM",null,"DSCR 5-8 Purchase >720 1.5MM 75 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!U12, A11:A12, 0)),\n   ISNUMBER(MATCH(NonQM!U11, B3:B11, 0)),\n   ISNUMBER(MATCH(NonQM!U22, J3:J8, 0)),\n   ISNUMBER(MATCH(NonQM!U21, G8:G13, 0)),\n   NonQM!U13 = C4\n), NA(), \"\")","v":""},"600-639 NA Over 1.5MM",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$11:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 600-639 CASHOUT Max 65% >1mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$11:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  5% LTV reduction FICO 600-639 Purchase Max 65% >1mm",null,null,null,null,null,"No Ratio Property Type",null,"No Ratio Pur/R&T N/A >60% Condo",null,null,null,null,null," "]
["80.01-85% LTV 2mil cap",{"$f":"IF(AND(NonQM!U11=B10,OR(NonQM!U21=G9:G13)),NA(),\"\")","v":""},"85% LTV Max Loan Amount is 2.0MM so >2 is “NA”",null,null,"FICO X Loan Amt X LTV X Preferred",{"$f":"IF(AND(NonQM!U12=A8,OR(NonQM!U21=G7:G13),OR(NonQM!U11=B9:B11),NonQM!U13=C3),NA(),\"\")","v":""},"680-699 FICO caps over 1 MM at 75% LTV",null,null,null,"DSCR 5-8 Purchase 700 1.5MM",null,"DSCR 5-8 Purchase >700 1.5MM 75 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!U12, A10, 0)),\n   ISNUMBER(MATCH(NonQM!U11, B3:B11, 0)),\n   ISNUMBER(MATCH(NonQM!U22, J3:J8, 0)),\n   ISNUMBER(MATCH(NonQM!U21, G9:G13, 0)),\n   NonQM!U13 = C4\n), NA(), \"\")","v":""},"640-659 NA Over 2MM",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 740+ Purchase Max 80% >1.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 740+ Purchase Max 75% >1.5mm",null,null,null,null,null,"No Ratio Proper Type",null,"No Ratio Cashout N/A >55% Condo",null,null,null,null,null," "]
["70% LTV 3-4 mil cap",{"$f":"IF(AND(OR(NonQM!U11=B8:B11),OR(NonQM!U21=G11:G13)),NA(),\"\")","v":""},"70% LTV Max so >3->4 is “NA”",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND(NonQM!U12=A8,OR(NonQM!U21=G9:G13),OR(NonQM!U11=B7:B11),NonQM!U13=C3),NA(),\"\")","v":""},"680-699 FICO caps over 2 MM at 65% LTV",null,null,null,"DSCR 5-8 Purchase 680 1.5MM",null,"DSCR 5-8 Purchase >680 1.5MM 70 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!U12, A8:A9, 0)),\n   ISNUMBER(MATCH(NonQM!U11, B3:B11, 0)),\n   ISNUMBER(MATCH(NonQM!U22, J3:J8, 0)),\n   ISNUMBER(MATCH(NonQM!U21, G12:G13, 0)),\n   NonQM!U13 = C4\n), NA(), \"\")","v":""},"680-699 NA Over 3.5MM",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 740+ Cashout Max 75% >1.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 740+ Cashout Max 70% >1.5mm",null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Condo 80% LTV Cap",{"$f":"IF(AND(OR(NonQM!U11=B11),OR(NonQM!U24=K6),OR(NonQM!U13=C4:C8)),NA(),\"\")","v":""},"85% Max for Condo",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND(NonQM!U12=A8,OR(NonQM!U21=G10:G13),OR(NonQM!U11=B6:B11),NonQM!U13=C3),NA(),\"\")","v":""},"680-699 FICO caps over 2.5 MM at 60% LTV",null,null,null,"DSCR 5-8 Purchase 720 2.0MM",null,"DSCR 5-8 Purchase >720 2.0MM 70 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$3:$G$13, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"600-679 FICO NA over 75% Cashout",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$6, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 720-739 Purchase Max 80% >1.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$6, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12 10% LTV reduction FICO 720-739 Purchase Max 75% >1.5mm",null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["2 Unit 85% LTV Cap",{"$f":"IF(AND(OR(NonQM!U11=B11),OR(NonQM!U24=K4)),NA(),\"\")","v":""},"85% Max for 2 Units",null,null,"FICO X Loan Amt X LTV X Preferred",{"$f":"IF(AND(NonQM!U12=A7,OR(NonQM!U21=G4:G13),OR(NonQM!U11=B11),NonQM!U13=C3),NA(),\"\")","v":""},"700-719 FICO caps  1 MM at 85% LTV",null,null,null,"DSCR 5-8 Purchase 700 2.0MM",null,"DSCR 5-8 Purchase >700 2.0MM 70 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$10, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"640-679 FICO NA over 75% Cashout >1mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$6, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 720-739 Purchase Max 75% >1.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$6, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 720-739 Cashout Max 70% >1.5mm",null,null,null,null,null,"P&L Only",null,null,null,null,null,null,null," "]
["NW Condo 75% LTV Cap",{"$f":"IF(AND(OR(NonQM!U11=B9:B11),OR(NonQM!U24=K8)),NA(),\"\")","v":""},"75% Max for NW Condo",null,null,"FICO X Loan Amt X LTV X Preferred",{"$f":"IF(AND(NonQM!U12=A7,OR(NonQM!U21=G7:G13),OR(NonQM!U11=B10:B11),NonQM!U13=C3),NA(),\"\")","v":""},"700-719 FICO caps over 1 MM at 80% LTV",null,null,null,"DSCR 5-8 Purchase 680 2.0MM",null,"DSCR 5-8 Purchase >680 2.0MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$11:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"600-639 FICO NA over 70% Cashout >1mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 700-719 Purchase Max 80% >1.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 700-719 Purchase Max 75% >1.5mm",null,null,null,null,null,"LTV MAX",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$3:$G$13, 0)),\n   NonQM!$U$13 = $C$4,\n   NonQM!$U$18 = $E$8\n), NA(), \"\")","v":""},"80% MAX LTV",null,null,null,null,null," "]
["3-4 Unit 80% LTV Cap",{"$f":"IF(AND(OR(NonQM!U11=B10:B11),OR(NonQM!U24=K5)),NA(),\"\")","v":""},"80% Max for 3-4 Units",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND(NonQM!U12=A7,OR(NonQM!U21=G8:G13),OR(NonQM!U11=B9:B11),NonQM!U13=C3),NA(),\"\")","v":""},"700-719 FICO caps over 1.5 MM at 75% LTV",null,null,null,"DSCR 5-8 Cashout 720 1.5MM",null,"DSCR 5-8 Cashout >720 1.5MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"600-639 FICO NA over 70% Cashout >1.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 700-719 Cashout Max 75% >1.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 700-719 Cashout Max 70% >1.5mm",null,null,null,null,null,"MIN FICO",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$10:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$3:$B$11, 0)),\n   NonQM!$U$13 = $C$4,\n   NonQM!$U$18 = $E$8\n), NA(), \"\")","v":""},"660 Min FICO",null,null,null,null,null," "]
["DSCR",{"$f":"IF(AND(OR(NonQM!U11=B8:B11),OR(NonQM!U12=A11:A12),NonQM!U17=D5),NA(),\"\")","v":""},"DSCR >70% LTV 620 FICO cap",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND(NonQM!U12=A7,OR(NonQM!U21=G10:G13),OR(NonQM!U11=B7:B11),NonQM!U13=C3),NA(),\"\")","v":""},"700-719 FICO caps over 2.5 MM at 65% LTV",null,null,null,"DSCR 5-8 Cashout 700 1.5MM",null,"DSCR 5-8 Cashout >700 1.5MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"680-699 FICO NA over 75% Cashout >1.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 680-699 Purchase Max 75% >1.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x600x12  10% LTV reduction FICO 680-699 Purchase Max 70% >1.5mm",null,null,null,null,null,"Max LA",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10:$G$13, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$3:$B$11, 0)),\n   NonQM!$U$13 = $C$4,\n   NonQM!$U$18 = $E$8\n), NA(), \"\")","v":""},"2.5MM Max",null,null,null,null,null," "]
["DSCR",{"$f":"IF(AND(OR(NonQM!U11='Feed(WS)'!B10:B11),NonQM!U17='Feed(WS)'!D5,OR(NonQM!U24='Feed(WS)'!K4:K6)),NA(),\"\")","v":""},"DSCR >80% 2-4 Units/Condo",null,null,"FICO X Loan Amt X LTV X Preferred",{"$f":"IF(AND(NonQM!U12=A6,OR(NonQM!U21=G4:G13),OR(NonQM!U11=B11),NonQM!U13=C3),NA(),\"\")","v":""},"720-739 FICO caps caps 1.5 MM at 85% LTV",null,null,null,"DSCR 5-8 Cashout 680 1.5MM",null,"DSCR 5-8 Cashout >680 1.5MM 60 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$10, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"640-679 FICO NA over 75% Purchase >1.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 680-699 Cashout Max 70% >1.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 680-699 Cashout Max 65% >1.5mm",null,null,null,null,null,"Credit Events",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$16, $E$15:$E$16, 0)),\n   NonQM!$U$13 = $C$4,\n   NonQM!$U$18 = $E$8\n), NA(), \"\")","v":""},"Min 36 Months",null,null,null,null,null," "]
["DSCR",{"$f":"IF(AND(OR(NonQM!U12='Feed(WS)'!A7:A12),NonQM!U17='Feed(WS)'!D5,OR(NonQM!U11='Feed(WS)'!B9:B11),OR(NonQM!U22='Feed(WS)'!J6:J7)),NA(),\"\")","v":""},"DSCR 75% CAP on Cash out FICO <720",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND(NonQM!U12=A6,OR(NonQM!U21=G8:G13),OR(NonQM!U11=B10:B11),NonQM!U13=C3),NA(),\"\")","v":""},"720-739 FICO caps over 1.5 MM and 80% LTV",null,null,null,"DSCR 5-8 Cashout 720 2.0MM",null,"DSCR 5-8 Cashout >720 2.0MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$10, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"640-679 FICO NA over 70% Cashout >1.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$10, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 640-679 Purchase Max 70% >1.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$10, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 640-679 Purchase Max 65% >1.5mm",null,null,null,null,null,"Min Lates",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18:$D$19, 0)),\n   NonQM!$U$13 = $C$4,\n   NonQM!$U$18 = $E$8\n), NA(), \"\")","v":""},"Max allowed is 1x30x12",null,null,null,null,null," "]
["DTI >45%",{"$f":"IF(AND(NonQM!U11=B11,NonQM!U20=F4,OR(NonQM!U13=C3:C4)),NA(),\"\")","v":""},"DTIs over 45% can't pair with LTVs 85.01-90%",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND(NonQM!U12=A6,OR(NonQM!U21=G9:G13),OR(NonQM!U11=B9:B11),NonQM!U13=C3),NA(),\"\")","v":""},"720-739 FICO caps over 2 MM and 75% LTV",null,null,null,"DSCR 5-8 Cashout 700 2.0MM",null,"DSCR 5-8 Cashout >700 2.0MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$9, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"700+ FICO NA over 80% Cashout >2mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$10, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 640-679 Cashout Max 65% >1.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$10, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12 10% LTV reduction FICO 640-679 Cashout Max 60% >1.5mm",null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["I/O over 80% LTV",{"$f":"IF(AND(OR(NonQM!U11=B10:B11),OR(NonQM!U25=M5:M6,NonQM!U25=M9,NonQM!U25=M12)),NA(),\"\")","v":""},"NA for any IO over 80% LTV",null,null,"FICO X Loan Amt X LTV X Preferred",{"$f":"IF(AND(OR(NonQM!U12=A3:A5),OR(NonQM!U21=G4:G13),OR(NonQM!U11=B11),NonQM!U13=C3),NA(),\"\")","v":""},"740+ FICO caps  2 MM at 85% LTV",null,null,null,"DSCR 5-8 Cashout 680 2.0MM",null,"DSCR 5-8 Cashout >680 2.0MM 60 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$9, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"680-699 FICO NA over 70% Cashout >2mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$9, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 700+ Purchase Max 75% >2mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$9, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12 10% LTV reduction FICO 700+ Purchase Max 70% >2mm",null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Min Rate >$2MM",{"$f":"IF(NonQM!U10=0,\"\",IF(AND(OR(NonQM!U21=G9:G13),NonQM!U10<E152),NA(),\"\"))","v":""},"NA for rates below min rate",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND(OR(NonQM!U12=A3:A5),OR(NonQM!U21=G10:G13),OR(NonQM!U11=B9:B11),NonQM!U13=C3),NA(),\"\")","v":""},"740+ FICO caps  over 2.5 MM at 75% LTV",null,null,null,"DSCR 5-8 RateTerm 720 1.5MM",null,"DSCR 5-8 RateTerm >720 1.5MM 75 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$9, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"660-679 FICO NA over 70% Purchase >2mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$9, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 700+ Cashout Max 70% >2mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$9, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 700+ Cashout Max 65% >2mm",null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Min Rate ITIN",{"$f":"IF(NonQM!$U$10=0,\"\",IF(AND(OR(NonQM!$U$19=$P$6:$P$7),NonQM!$U$10<$E$152),NA(),\"\"))","v":""},"7.499 min rate for ITIN",null,null,"FICO X Loan Amt X LTV X Select X Cash",{"$f":"IF(AND(OR(NonQM!U12=A8),OR(NonQM!U21=G7:G13),OR(NonQM!U11=B8:B11),NonQM!U13=C3,OR(NonQM!U22=J6:J7)),NA(),\"\")","v":""},"680-699 FICO caps over 1 MM at 70% LTV Cash Out",null,null,null,"DSCR 5-8 RateTerm 700 1.5MM",null,"DSCR 5-8 RateTerm >700 1.5MM 75 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$9, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"660-679 FICO NA over 65% Cashout >2mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$9, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 680-699 Purchase Max 70% >2mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$9, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 680-699 Purchase Max 65% >2mm",null,null,null,null,null,"No Ratio < 0.750"]
["CA NAs on No PPP NOO",{"$f":"IF(AND(OR(NonQM!U29=T5),OR(NonQM!U27=H3),OR(NonQM!U23=L5:L6)),NA(),\"\")","v":""},null,null,null,"FICO X Loan Amt X LTV X Select X Cash",{"$f":"IF(AND(OR(NonQM!U12=A8),OR(NonQM!U21=G9:G13),OR(NonQM!U11=B6:B11),NonQM!U13=C3,OR(NonQM!U22=J6:J7)),NA(),\"\")","v":""},"680-699 FICO caps over 2 MM at 60% LTV Cash Out",null,null,null,"DSCR 5-8 RateTerm 680 1.5MM",null,"DSCR 5-8 RateTerm >680 1.5MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$6, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"720+ FICO NA over 75% Cashout >2.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$9, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 680-699 Cashout Max 65% >2mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$9, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12 10% LTV reduction FICO 680-699 Cashout Max 60% >2mm",null,null,null,null,null,"Min FICO for NO RATIO",null,"700 Min FICO"]
["Total",{"$f":"SUM(B39:B66)+SUM(G38:G76)+SUM(M38:M77)+SUM(R38:R81)+SUM(AH38:AH99)+SUM(Z37:Z125)+SUM(V37:V92)+SUM(AL38:AL45)","v":0},null,null,null,"FICO X Loan Amt X LTV X Select X Cash",{"$f":"IF(AND(OR(NonQM!U12=A7),OR(NonQM!U21=G8:G13),OR(NonQM!U11=B8:B11),NonQM!U13=C3,OR(NonQM!U22=J6:J7)),NA(),\"\")","v":""},"700-719 FICO caps over 1.5 MM at 70% LTV Cash Out",null,null,null,"DSCR 5-8 RateTerm 720 2.0MM",null,"DSCR 5-8 RateTerm >720 2.0MM 70 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"700-719 FICO NA over 70% Cashout >2.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$6, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 720+ Purchase Max 70% >2.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$6, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 720+ Purchase Max 65% >2.5mm",null,null,null,null,null,"Max LTV 700-719",null,"65% Purchase 1MM max"]
["Occupancy",null,null,null,null,"FICO X Loan Amt X LTV X Select X Cash",{"$f":"IF(AND(OR(NonQM!U12=A7),OR(NonQM!U21=G10:G13),OR(NonQM!U11=B6:B11),NonQM!U13=C3,OR(NonQM!U22=J6:J7)),NA(),\"\")","v":""},"700-719 FICO caps over 2.5 MM at 60% LTV Cash Out",null,null,null,"DSCR 5-8 RateTerm 700 2.0MM",null,"DSCR 5-8 RateTerm >700 2.0MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"680-699 FICO NA over 65% Cashout >2.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$6, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 720+ Cashout Max 60% >2.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$6, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 720+ Cashout Max 55% >2.5mm",null,null,null,null,null,"Max LTV 700-719",null,"65% Refi R&T 1MM"]
[{"$f":"IF(AND(NonQM!U21='Feed(WS)'!J3,OR(NonQM!U11='Feed(WS)'!B10:B11),NonQM!U12='Feed(WS)'!C4),TRUE(),FALSE)","v":false},"80.01 - 90%/ A+/ Purch",null,null,null,"FICO X Loan Amt X LTV X Select X Cash",{"$f":"IF(AND(OR(NonQM!U12=A6),OR(NonQM!U21=G9:G13),OR(NonQM!U11=B8:B11),NonQM!U13=C3,OR(NonQM!U22=J6:J7)),NA(),\"\")","v":""},"720-739 FICO caps over 2 MM at 70% LTV Cash Out",null,null,null,"DSCR 5-8 RateTerm 680 2.0MM",null,"DSCR 5-8 RateTerm >680 2.0MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"660-679 FICO NA over 60% Purchase >2.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 700-719 Purchase Max 65% >2.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 700-719 Purchase Max 60% >2.5mm",null,null,null,null,null,"Max LTV 700-719",null,"60% Cashout 1MM"]
[{"$f":"IF(AND(NonQM!U11='Feed(WS)'!B10,NonQM!U12='Feed(WS)'!C4,OR(NonQM!U11='Feed(WS)'!A3:A6),NonQM!U21='Feed(WS)'!J3,NonQM!U23='Feed(WS)'!L3),TRUE,FALSE)","v":false},"80.01-85% / \"A\" Grade / 720 FICO / Purch / Primary",null,null,null,"FICO X Loan Amt X LTV X Select X Cash",{"$f":"IF(AND(OR(NonQM!U12=A3:A5),OR(NonQM!U21=G10:G13),OR(NonQM!U11=B8:B11),NonQM!U13=C3,OR(NonQM!U22=J6:J7)),NA(),\"\")","v":""},"740+ FICO caps over 2.5 MM at 70% LTV Cash Out",null,null,null,"DSCR 5-8 any FICO",null,"5-8 any FICO >2.0mm NA",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$5:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"660-679 FICO NA over 55% Cashout >2.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 700-719 Cashout Max 60% >2.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$5:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 700-719 Cashout Max 55% >2.5mm",null,null,null,null,null,"Max LTV 720+",null,"70% Purchase 1MM"]
[{"$f":"OR(NonQM!U11='Feed(WS)'!B3:B9)","v":false},"<80% LTV's",null,null,null,"Purpose X LTV",{"$f":"IF(AND(OR(NonQM!U11=B10:B11),NonQM!U13=C3,OR(NonQM!U22=J4:J5)),NA(),\"\")","v":""},"Rate/Term caps at 80% LTV",null,null,null,"DSCR 5-8 below 680",null,"5-8 below 680 NA",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$6, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$11, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"720+ FICO NA over 65% Cashout >3mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 680-699 Purchase Max 60% >2.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$5:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 680-699 Purchase Max 55.% >2.5mm",null,null,null,null,null,"Max LTV 720+",null,"65% R&T 1MM"]
[{"$f":"IF(AND(NonQM!U11='Feed(WS)'!B10,NonQM!U16='Feed(WS)'!D5,NonQM!U12='Feed(WS)'!C7,OR(NonQM!U12=A3:A6),OR(NonQM!U21='Feed(WS)'!J3:J4)),TRUE,FALSE)","v":false},"80.01-85% / 720+/ DSCR / >=1.00 Grade / Purch & Rate/term",null,null,null,"Additional Adjustments",{"$f":"IF(AND(NonQM!U13=C3,OR(NonQM!U18=E4:E6)),NA(),\"\")","v":""},"NA for Asset Utilization, 1099, and VOE",null,null,null,"DSCR 5-8 SELECT",null,"5-8 SELECT is NA",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$7:$A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$5:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$11, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"680-719 FICO NA over 55% Cashout >3mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$5:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 680-699 Cashout Max 55% >2.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$4:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 680-699 Cashout Max 50% >2.5mm",null,null,null,null,null,"Max LTV 720+",null,"60% Cashout 1MM"]
[{"$f":"IF(AND(OR(NonQM!U21='Feed(WS)'!J3:J8),OR(NonQM!U11='Feed(WS)'!B10:B11),NonQM!U12='Feed(WS)'!C3),TRUE(),FALSE)","v":false},"80.01 - 90%/ Select",null,null,null,"DTI cap",{"$f":"IF(AND(OR(NonQM!U20=F4:F6),OR(NonQM!U13=C3)),NA(),\"\")","v":""},"Preferred caps over 45% DTI",null,null,null,"DSCR 5-8 I/O",null,"5-8 Only Allow 30 Yr Fixed I/O for I/O Option & No 40 Yr Options",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$4:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$11, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"660-679 FICO NA over 50% Purchase >3mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$4:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 660-679 Purchase Max 50% >2.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$3:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 660-679 Purchase Max 45% >2.5mm\n\nHave it to NA so its manually priced",null,null,null,null,null,"Mtg lates",null,"Up to 0x30x12 allowed"]
[{"$f":"IF(AND(NonQM!U21='Feed(WS)'!J4,OR(NonQM!U11='Feed(WS)'!B10),NonQM!U12='Feed(WS)'!C4),TRUE(),FALSE)","v":false},"80.01 - 85%/ A+/ Rate and term",null,null,null,"Citizenship",{"$f":"IF(AND(NonQM!U13=C3,OR(NonQM!U19=P6:P7)),NA(),\"\")","v":""},"NA for ITIN, and Foreign National",null,null,null,"DSCR ITIN",null,"75% Max",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$4:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$11, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"660-679 FICO NA over 50% Cashout >3mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$4:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 660-679 Cashout Max 45% >2.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$3:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 660-679 Cashout Max 45% >2.5mm",null,null,null,null,null,"Max LTV 700-719",null,"60% Purchase 1.5mm max"]
[{"$f":"IF(AND(OR(NonQM!U21='Feed(WS)'!J3:J4),OR(NonQM!U11='Feed(WS)'!B10),NonQM!U16='Feed(WS)'!D5),TRUE(),FALSE)","v":false},"80.01 - 85%/ DSCR",null,null,null,"P&L",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$11, $B$3:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$17, $D$3:$D$4, 0)),\n   NonQM!$U$13 = $C$3,\n   NonQM!$U$18 = $E$8\n), NA(), \"\")","v":""},"P&L Only NA on SELECT",null,null,null,"Sub 1 / No Ratio ITIN",null,"Not allowed",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$12, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"740+ FICO NA over 60% Cashout >3.5mm",null,"Housing History X LTV",null,"1x30x12  NA, has to be 1x30x12 DSCR",null,null,null,null,null,null,null,null,null,"Max LTV 700-719",null,"60% Refi R&T 1.5mm max"]
[null,null,null,null,null,"Prop Type",{"$f":"IF(AND(OR(NonQM!U24=K10),OR(NonQM!U11=B11)),NA(),\"\")","v":""},"HRCondo Max LTV 75%",null,null,null,"SELECT DSCR ITIN",null,"Not allowed",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$6, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$5:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$12, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"720-739 FICO NA over 55% Cashout >3.5mm",null,"Housing History X LTV",null,"1x60x12 and 1x30x6 NA for DSCR",null,null,null,null,null,null,null,null,null,"Max LTV 700-719",null,"55% Cashout 1.5MM Max"]
[null,null,null,null,null,null,null,null,null,null,null,"DSCR Cashout",null,"NA if Cashout and chosen NO",null,null,"ITIN X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$19, $P$6, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"65% LTV MAX C/O for ITIN",null,null,null,null,null,null,null,null,null,null,null,null,null,"Max LTV 720+",null,"65% Purchase 1.5MM max"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ITIN X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$19, $P$6, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$7:$G$13, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"$1mm max LA for ITIN >80% LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,"Max LTV 720+",null,"65% R&T 1.5MM max"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ITIN X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$19, $P$6, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16:$D$19, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"0x30x12 only for ITIN anything else NA",null,null,null,null,null,null,null,null,null,null,null,null,null,"Max LTV 720+",null,"55% Cashout 1.5MM max"]
[null,"Base Rate / Base Price",null,null,null,null,null,null,"Base Rate / Base Price",null,null,null,null,null,null,null,"ITIN X CORE",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Primary PPP",{"$f":"IF(AND(ISNUMBER(MATCH(NonQM!U23,L3:L4,0)),\nISNUMBER(MATCH(NonQM!U27,H3:H14,0))),NA(),\"\")","v":""},"NA on Primary PPP"]
[null,"Coupon","Full Doc","Alt Doc","DSCR","DSCR 5-8 Units","Total LLPA",null,"Coupon","Full Doc","Alt Doc","DSCR","DSCR 5-8",0,null,null,"DSCR STR",null,"MAX LTV 70% for Cashout"]
[null,{"$f":"NonQM!B11","v":5.875},{"$f":"NonQM!C11","v":97.513000000000019},{"$f":"NonQM!D11","v":97.213000000000022},null,null,{"$f":"SUM(NonQM!V12:V35)+B67","v":{"$error":"#N/A"}},1,{"$f":"B82","v":5.875},{"$f":"C82+$G$82","v":{"$error":"#N/A"}},{"$f":"D82+$G$82","v":{"$error":"#N/A"}},null,null,{"$f":"I82:I124","v":5.875}]
[null,{"$f":"NonQM!B12","v":5.9989999999999997},{"$f":"NonQM!C12","v":98.263000000000005},{"$f":"NonQM!D12","v":97.963000000000022},null,null,".",2,5.9989999999999997,{"$error":"#N/A"},{"$error":"#N/A"},null,null,5.9989999999999997]
[null,{"$f":"NonQM!B13","v":6.125},{"$f":"NonQM!C13","v":98.887500000000003},{"$f":"NonQM!D13","v":98.58750000000002},null,null,"Total Price",3,6.125,{"$error":"#N/A"},{"$error":"#N/A"},null,null,6.125,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Misc Disqual"]
[null,{"$f":"NonQM!B14","v":6.25},{"$f":"NonQM!C14","v":99.4255},{"$f":"NonQM!D14","v":99.125500000000017},null,null,{"$f":"NonQM!V40","v":{"$error":"#N/A"}},4,6.25,{"$error":"#N/A"},{"$error":"#N/A"},null,null,6.25,null,null,null,null,null,null,null,null,null,null,"CORE 1x30x6",null,null,null,null,null,null,null,"FICO <680 Cashout",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   NonQM!$U$22 = $J$6), NA(), \"\")","v":""},"Will N/A if Cashout <680 is not chosen"]
[null,{"$f":"NonQM!B15","v":6.375},{"$f":"NonQM!C15","v":99.9255},{"$f":"NonQM!D15","v":99.625500000000017},null,null,null,5,6.375,{"$error":"#N/A"},{"$error":"#N/A"},null,null,6.375,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 700+ purchase capped 80%",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$19, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5:$G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x6  15% LTV reduction FICO 700+ purchase capped 75%",null,null,null,null,null,"FICO <680 R/T",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   NonQM!$U$22 = $J$4), NA(), \"\")","v":""},"Will N/A if R/T <680 is not chosen"]
[null,{"$f":"NonQM!B16","v":6.4989999999999997},{"$f":"NonQM!C16","v":100.36250000000001},{"$f":"NonQM!D16","v":100.06250000000001},null,null,null,6,6.4989999999999997,{"$error":"#N/A"},{"$error":"#N/A"},null,null,6.4989999999999997,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 680+ purchase capped 75%",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5:$G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 680+ Purchase capped 75%",null,null,null,null,null,"FICO >680 R/T",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$8, 0)),\n   NonQM!$U$22 = $J$5), NA(), \"\")","v":""},"Will N/A if R/T <680 is chosen"]
[null,{"$f":"NonQM!B17","v":6.625},{"$f":"NonQM!C17","v":100.76050000000001},{"$f":"NonQM!D17","v":100.46050000000001},null,null,null,7,6.625,{"$error":"#N/A"},{"$error":"#N/A"},null,null,6.625,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5:$G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 600+ Purchase capped 70%",null,null,null,null,null,"FICO >680 Cashout",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$8, 0)),\n   NonQM!$U$22 = $J$7), NA(), \"\")","v":""},"Will N/A if Cashout <680 is chosen"]
[null,{"$f":"NonQM!B18","v":6.75},{"$f":"NonQM!C18","v":101.15150000000001},{"$f":"NonQM!D18","v":100.85150000000002},null,null,{"$f":"NonQM!U17","v":"Choose a Selection"},8,6.75,{"$error":"#N/A"},{"$error":"#N/A"},null,null,6.75,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$19, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x6  15% LTV reduction FICO 700+ purchase capped 75%",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10:$G$13, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 700+ purchase capped 80% >$2.5",null,null,null,null,null,"Professional",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   NonQM!$U$18 = $E$9\n), NA(), \"\")","v":""},"Min FICO 680"]
[null,{"$f":"NonQM!B19","v":6.875},{"$f":"NonQM!C19","v":101.53450000000001},{"$f":"NonQM!D19","v":101.23450000000001},null,null,{"$f":"DSCR!S17","v":"Choose a Selection"},9,6.875,{"$error":"#N/A"},{"$error":"#N/A"},null,null,6.875,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$19, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x6  15% LTV reduction FICO 680+ purchase capped 70%",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10:$G$13, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 680+ purchase capped 75% >$2.5",null,null,null,null,null,"Professional",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$23, $L$4:$L$6, 0)),\n   NonQM!$U$18 = $E$9\n), NA(), \"\")","v":""},"Primary Only"]
[null,{"$f":"NonQM!B20","v":6.9989999999999997},{"$f":"NonQM!C20","v":101.90950000000001},{"$f":"NonQM!D20","v":101.60950000000001},null,null,{"$f":"IF(DSCR!S24=\"DSCR 5-8\", \"DSCR 5-8\", \"\")","v":""},10,6.9989999999999997,{"$error":"#N/A"},{"$error":"#N/A"},null,null,6.9989999999999997,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$19, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x6  15% LTV reduction FICO 680+ purchase capped 65%",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10:$G$13, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 600+ purchase capped 70% >$2.5",null,null,null,null,null,"Professional"," ","NA on SELECT"]
[null,{"$f":"NonQM!B21","v":7.125},{"$f":"NonQM!C21","v":102.27650000000001},{"$f":"NonQM!D21","v":101.97650000000002},null,null,null,11,7.125,{"$error":"#N/A"},{"$error":"#N/A"},null,null,7.125,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$4:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5:$G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 700+ & 680+ R&T capped 80%"]
[null,{"$f":"NonQM!B22","v":7.25},{"$f":"NonQM!C22","v":102.63550000000001},{"$f":"NonQM!D22","v":102.33550000000001},null,null,null,12,7.25,{"$error":"#N/A"},{"$error":"#N/A"},null,null,7.25,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$4:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 600+ Purchase capped 75%"]
[null,{"$f":"NonQM!B23","v":7.375},{"$f":"NonQM!C23","v":102.98750000000001},{"$f":"NonQM!D23","v":102.68750000000001},null,null,{"$f":"SUM(DSCR!T12:T35)+B67","v":{"$error":"#N/A"}},13,7.375,{"$error":"#N/A"},{"$error":"#N/A"},null,null,7.375,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 600+ cashout capped 70%"]
[null,{"$f":"NonQM!B24","v":7.4989999999999997},{"$f":"NonQM!C24","v":103.33150000000001},{"$f":"NonQM!D24","v":103.03150000000001},null,null,null,14,7.4989999999999997,{"$error":"#N/A"},{"$error":"#N/A"},null,null,7.4989999999999997,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$11:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$16, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 600+ cashout capped 65% >$1mm"]
[null,{"$f":"NonQM!B25","v":7.625},{"$f":"NonQM!C25","v":103.66750000000002},{"$f":"NonQM!D25","v":103.36750000000002},null,null,null,15,7.625,{"$error":"#N/A"},{"$error":"#N/A"},null,null,7.625,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 600+ purchase capped 70%"]
[null,{"$f":"NonQM!B26","v":7.75},{"$f":"NonQM!C26","v":103.99550000000001},{"$f":"NonQM!D26","v":103.69550000000001},null,null,null,16,7.75,{"$error":"#N/A"},{"$error":"#N/A"},null,null,7.75,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  5% LTV reduction FICO 600-679 Cashout capped 65%"]
[null,{"$f":"NonQM!B27","v":7.875},{"$f":"NonQM!C27","v":104.31550000000001},{"$f":"NonQM!D27","v":104.01550000000002},null,null,null,17,7.875,{"$error":"#N/A"},{"$error":"#N/A"},null,null,7.875,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$19, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$5:$G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x6 15% LTV reduction FICO 700+ CASHOUT Max 65%"]
[null,{"$f":"NonQM!B28","v":7.9989999999999997},{"$f":"NonQM!C28","v":104.59650000000001},{"$f":"NonQM!D28","v":104.29650000000001},null,null,null,18,7.9989999999999997,{"$error":"#N/A"},{"$error":"#N/A"},null,null,7.9989999999999997,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 700+ CASHOUT Max 70% >1mm"]
[null,{"$f":"NonQM!B29","v":8.125},{"$f":"NonQM!C29","v":104.84650000000001},{"$f":"NonQM!D29","v":104.54650000000001},null,null,null,19,8.125,{"$error":"#N/A"},{"$error":"#N/A"},null,null,8.125,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$10, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 640-679 CASHOUT Max 65% >1mm"]
[null,{"$f":"NonQM!B30","v":8.25},{"$f":"NonQM!C30","v":105.09650000000001},{"$f":"NonQM!D30","v":104.79650000000001},null,null,null,20,8.25,{"$error":"#N/A"},{"$error":"#N/A"},null,null,8.25,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$11:$A$12, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$7, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  5% LTV reduction FICO 600-639 Purchase Max 65% >1mm"]
[null,{"$f":"NonQM!B31","v":8.375},{"$f":"NonQM!C31","v":105.34650000000001},{"$f":"NonQM!D31","v":105.04650000000001},null,null,null,21,8.375,{"$error":"#N/A"},{"$error":"#N/A"},null,null,8.375,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 740+ Purchase Max 75% >1.5mm"]
[null,{"$f":"NonQM!B32","v":8.4990000000000006},{"$f":"NonQM!C32","v":105.59650000000001},{"$f":"NonQM!D32","v":105.29650000000001},null,null,null,22,8.4990000000000006,{"$error":"#N/A"},{"$error":"#N/A"},null,null,8.4990000000000006,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 740+ Cashout Max 70% >1.5mm"]
[null,{"$f":"NonQM!B33","v":8.625},{"$f":"NonQM!C33","v":105.84650000000001},{"$f":"NonQM!D33","v":105.54650000000001},null,null,null,23,8.625,{"$error":"#N/A"},{"$error":"#N/A"},null,null,8.625,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$6, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12 10% LTV reduction FICO 720-739 Purchase Max 75% >1.5mm"]
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[null,{"$f":"NonQM!B35","v":8.875},{"$f":"NonQM!C35","v":106.22150000000001},{"$f":"NonQM!D35","v":105.92150000000001},null,null,null,25,8.875,{"$error":"#N/A"},{"$error":"#N/A"},null,null,8.875,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 700-719 Purchase Max 75% >1.5mm"]
[null,{"$f":"NonQM!B36","v":8.9990000000000006},{"$f":"NonQM!C36","v":106.40950000000001},{"$f":"NonQM!D36","v":106.10950000000001},null,null,null,26,8.9990000000000006,{"$error":"#N/A"},{"$error":"#N/A"},null,null,8.9990000000000006,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 700-719 Cashout Max 70% >1.5mm"]
[null,{"$f":"NonQM!B37","v":9.125},{"$f":"NonQM!C37","v":106.59650000000001},{"$f":"NonQM!D37","v":106.29650000000001},null,null,null,27,9.125,{"$error":"#N/A"},{"$error":"#N/A"},null,null,9.125,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x600x12  10% LTV reduction FICO 680-699 Purchase Max 70% >1.5mm"]
[null,{"$f":"NonQM!B38","v":9.25},{"$f":"NonQM!C38","v":106.78450000000001},{"$f":"NonQM!D38","v":106.48450000000001},null,null,null,28,9.25,{"$error":"#N/A"},{"$error":"#N/A"},null,null,9.25,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 680-699 Cashout Max 65% >1.5mm"]
[null,{"$f":"NonQM!B39","v":9.375},{"$f":"NonQM!C39","v":106.97150000000001},{"$f":"NonQM!D39","v":106.67150000000001},null,null,null,29,9.375,{"$error":"#N/A"},{"$error":"#N/A"},null,null,9.375,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$10, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 640-679 Purchase Max 65% >1.5mm"]
[null,{"$f":"NonQM!B40","v":9.4990000000000006},{"$f":"NonQM!C40","v":107.15950000000001},{"$f":"NonQM!D40","v":106.85950000000001},null,null,null,30,9.4990000000000006,{"$error":"#N/A"},{"$error":"#N/A"},null,null,9.4990000000000006,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9:$A$10, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$8, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12 10% LTV reduction FICO 640-679 Cashout Max 60% >1.5mm"]
[null,{"$f":"NonQM!B41","v":9.625},{"$f":"NonQM!C41","v":107.34650000000001},{"$f":"NonQM!D41","v":107.04650000000001},null,null,null,31,9.625,{"$error":"#N/A"},{"$error":"#N/A"},null,null,9.625,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$9, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12 10% LTV reduction FICO 700+ Purchase Max 70% >2mm"]
[null,{"$f":"NonQM!B42","v":9.75},{"$f":"NonQM!C42","v":107.53450000000001},{"$f":"NonQM!D42","v":107.23450000000001},null,null,null,32,9.75,{"$error":"#N/A"},{"$error":"#N/A"},null,null,9.75,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$9, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 700+ Cashout Max 65% >2mm"]
[null,{"$f":"NonQM!B43","v":9.875},{"$f":"NonQM!C43","v":107.65950000000001},{"$f":"NonQM!D43","v":107.35950000000001},null,null,null,33,9.875,{"$error":"#N/A"},{"$error":"#N/A"},null,null,9.875,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$9, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 680-699 Purchase Max 65% >2mm"]
[null,{"$f":"NonQM!B44","v":9.9990000000000006},{"$f":"NonQM!C44","v":107.78450000000001},{"$f":"NonQM!D44","v":107.48450000000001},null,null,null,34,9.9990000000000006,{"$error":"#N/A"},{"$error":"#N/A"},null,null,9.9990000000000006,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$9, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12 10% LTV reduction FICO 680-699 Cashout Max 60% >2mm"]
[null,{"$f":"NonQM!B45","v":10.125},{"$f":"NonQM!C45","v":107.90950000000001},{"$f":"NonQM!D45","v":107.60950000000001},null,null,null,35,10.125,{"$error":"#N/A"},{"$error":"#N/A"},null,null,10.125,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$6, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 720+ Purchase Max 65% >2.5mm"]
[null,{"$f":"NonQM!B46","v":10.25},{"$f":"NonQM!C46","v":108.03450000000001},{"$f":"NonQM!D46","v":107.73450000000001},null,null,null,36,10.25,{"$error":"#N/A"},{"$error":"#N/A"},null,null,10.25,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$3:$A$6, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 720+ Cashout Max 55% >2.5mm"]
[null,{"$f":"NonQM!B47","v":10.375},{"$f":"NonQM!C47","v":108.15950000000001},{"$f":"NonQM!D47","v":107.85950000000001},null,null,null,37,10.375,{"$error":"#N/A"},{"$error":"#N/A"},null,null,10.375,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 700-719 Purchase Max 60% >2.5mm"]
[null,{"$f":"NonQM!B48","v":10.499000000000001},{"$f":"NonQM!C48","v":108.28450000000001},{"$f":"NonQM!D48","v":107.98450000000001},null,null,null,38,10.499000000000001,{"$error":"#N/A"},{"$error":"#N/A"},null,null,10.499000000000001,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$5:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 700-719 Cashout Max 55% >2.5mm"]
[null,{"$f":"NonQM!B49","v":10.625},{"$f":"NonQM!C49","v":108.40950000000001},{"$f":"NonQM!D49","v":108.10950000000001},null,null,null,39,10.625,{"$error":"#N/A"},{"$error":"#N/A"},null,null,10.625,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$5:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 680-699 Purchase Max 55.% >2.5mm"]
[null,{"$f":"NonQM!B50","v":10.75},{"$f":"NonQM!C50","v":108.53450000000001},{"$f":"NonQM!D50","v":108.23450000000001},null,null,null,40,10.75,{"$error":"#N/A"},{"$error":"#N/A"},null,null,10.75,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$8, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$4:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 680-699 Cashout Max 50% >2.5mm"]
[null,null,null,null,null,null,null,41,0,{"$error":"#N/A"},{"$error":"#N/A"},null,null,0,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$3:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$3:$J$5, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 660-679 Purchase Max 45% >2.5mm\n\nHave it to NA so its manually priced"]
[null,null,null,null,null,null,null,42,0,{"$error":"#N/A"},{"$error":"#N/A"},null,null,0,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(NonQM!$U$12, $A$9, 0)),\n   ISNUMBER(MATCH(NonQM!$U$11, $B$3:$B$11, 0)),\n   ISNUMBER(MATCH(NonQM!$U$15, $D$18, 0)),\n   ISNUMBER(MATCH(NonQM!$U$22, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(NonQM!$U$21, $G$10, 0)),\n   NonQM!$U$13 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 660-679 Cashout Max 45% >2.5mm"]
[null,null,null,null,null,null,null,43,0,{"$error":"#N/A"},{"$error":"#N/A"},null,null,0,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$15, $D$18:$D$19, 0)),\n   ISNUMBER(MATCH(DSCR!$S$13, $C$5:$C$8))), NA(), \"\")","v":""}]
[null,null,null,null,null,null,null,44]
[null,null,null,null,null,null,"Adjust these ranges for when adjusting base rates ------>",null,null,{"$f":"IF(IFERROR(INDEX(OFFSET(J82:J121,0,-1),MATCH(TRUE,($J$82:$J$121)>=IF(E147>100,100,E147),0)),MAX(I82:I121))<E152,INDEX(H82:H121,MATCH(E152,I82:I121,0)),IFERROR(INDEX(OFFSET(J82:J121,0,-2),MATCH(TRUE,($J$82:$J$121)>=IF(E147>100,100,E147),0)),INDEX(OFFSET($J$82:$J$121,0,-2),MATCH(MAX($J$82:$J$121),$J$82:$J$121,0))))","v":{"$error":"#N/A"}},{"$f":"IF(IFERROR(INDEX(OFFSET(K82:K121,0,-2),MATCH(TRUE,($K$82:$K$121)>=IF(E147>100,100,E147),0)),MAX(I82:I121))<E152,INDEX(H82:H121,MATCH(E152,I82:I121,0)),IFERROR(INDEX(OFFSET(K82:K121,0,-3),MATCH(TRUE,($K$82:$K$121)>=IF(E147>100,100,E147),0)),INDEX(OFFSET($K$82:$K$121,0,-3),MATCH(MAX($K$82:$K$121),$K$82:$K$121,0))))","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,null,"Par Rates",{"$f":"VLOOKUP(J126,H82:I125,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(K126,H82:I125,2,FALSE)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(G89=J81,J127,0)","v":0},{"$f":"IF(G89=K81,K127,0)","v":0}]
[null,{"$f":"NonQM!S55","v":"Max Price"},null,null,"Rules",null,null,null,null,{"$f":"VLOOKUP(J126,H82:J125,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(K126,H82:K125,4,FALSE)","v":{"$error":"#N/A"}}]
[null,{"$f":"NonQM!S56","v":"Owner/2nd Home"},null,{"$f":"NonQM!T56","v":102},{"$f":"IF(OR(NonQM!U23=L3:L4),D130,\"\")","v":""},null,null,null,null,{"$f":"IF(G89=J81,J129,0)","v":0},{"$f":"IF(G89=K81,K129,0)","v":0},null,null,{"$f":"SUM(J128:M128)","v":0}]
[null,{"$f":"NonQM!S57","v":">$2,500,000"},null,{"$f":"NonQM!T57","v":101},{"$f":"IF(OR(NonQM!U21=G10:G13),D131,\"\")","v":""}]
[null,{"$f":"NonQM!S58","v":"80.01-90.00% LTV"},null,{"$f":"NonQM!T58","v":101},{"$f":"IF(OR(NonQM!U11=B10:B11),D132,\"\")","v":""},null,null,null,null,null,null,null,null,{"$f":"SUM(J130:M130)","v":0}]
[null,{"$f":"NonQM!S59","v":"ITIN/Foreign National"},null,{"$f":"NonQM!T59","v":101},{"$f":"IF(OR(NonQM!U19=P6:P7),D133,\"\")","v":""}]
[null,{"$f":"NonQM!S60","v":"Subord Financing"},null,{"$f":"NonQM!T60","v":100},{"$f":"IF(OR(NonQM!U32=S4),D134,\"\")","v":""},null,null,null,"Near Par Rate (Borrower Paid)",null,{"$f":"IF(L134=\"\",\"\",N130)","v":0},{"$f":"IF(N132>E147,E147,N132)","v":0}]
[null,{"$f":"NonQM!S61","v":"No PPP"},null,{"$f":"NonQM!T61","v":100},{"$f":"IF(AND(\n     ISNUMBER(MATCH(NonQM!U23, L5:L6, 0)),\n     OR(ISNUMBER(MATCH(NonQM!U27, H3:H4, 0)),)), D135, \"\")","v":""}]
["Full/Alt",{"$f":"NonQM!S62","v":"12 Months PPP"},null,{"$f":"NonQM!T62","v":101.5},{"$f":"IF(AND(\n     ISNUMBER(MATCH(NonQM!U23, L5:L6, 0)),\n     OR(ISNUMBER(MATCH(NonQM!U27, H5, 0)),\n        ISNUMBER(MATCH(NonQM!U27, H10, 0)))), D136, \"\")","v":""}]
["Full/Alt",{"$f":"NonQM!S63","v":"24 Months PPP"},null,{"$f":"NonQM!T63","v":102},{"$f":"IF(AND(\n     ISNUMBER(MATCH(NonQM!U23, L5:L6, 0)),\n     OR(ISNUMBER(MATCH(NonQM!U27, H6, 0)),\n        ISNUMBER(MATCH(NonQM!U27, H11, 0)))), D137, \"\")","v":""}]
["DSCR",{"$f":"NonQM!S64","v":"36-60 Months PPP"},null,{"$f":"NonQM!T64","v":102.5},{"$f":"IF(AND(ISNUMBER(MATCH(NonQM!U23, L6:L7, 0)),OR(ISNUMBER(MATCH(NonQM!U27,H7:H9,0)),ISNUMBER(MATCH(NonQM!U27,H12:H14,0)))),D138, \"\")","v":""}]
["Full/Alt",{"$f":"NonQM!S57","v":">$2,500,000"},null,{"$f":"NonQM!T57","v":101},{"$f":"IF(OR(NonQM!U21=G10:G13),D139,\"\")","v":""}]
["DSCR"]
[]
["DSCR"]
[null,{"$f":"NonQM!S66","v":"NC Floor Price"},null,{"$f":"NonQM!T66","v":99.75},{"$f":"IF(AND(NonQM!S29=T16,OR(NonQM!S23=L5:L6),NonQM!S27=H3),D143,\"\")","v":""}]
[]
[]
[]
[null,null,null,"Final price  →",{"$f":"IF(E146<>\"\",E146,IF(E144<>\"\",E144,MIN(E130:E143)))","v":0}]
[]
[null,"Min Rate",null,null,"Rules"]
[null,{"$f":"NonQM!S68","v":">$2,500,000"},null,{"$f":"NonQM!T68","v":6.625},{"$f":"IF(OR(NonQM!U21=G10:G13),D150,\"\")","v":""}]
[null,{"$f":"NonQM!S69","v":"ITIN/Foreign National"},null,{"$f":"NonQM!T69","v":7.125},{"$f":"IF(OR(NonQM!U19=P6:P7),D151,\"\")","v":""}]
[null,null,null,"Final price  →",{"$f":"MIN(E150:E151)","v":0}]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"State Tier Adjustment"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Choose a Selection","State Tier Adjustment"]
[null,"FICO/LTV",null,"<=50","50.01-55","55.01-60","60.01-65","65.01-70","70.01-75","75.01-80","80.01-85","85.01-90",null,null,"Full Alt",null,null,null,null,"Tier 1 States","Tier 1 States","AZ, CA, CO, CT, GA, HI, MA, MD, NJ, NV, OR, SC, UT, VA, WA",0]
[null,"Occupancy/Property/Units",null,null,null,null,null,null,null,null,null,null,null,"Choose a Selection","Loan Term","Property Type","DTI ","Citizenship Type",null,"Tier 2 States","Tier 2 States","DC, FL, ID, IL, IN, LA, MI, MN, MO, NC, OH, OK, PA, RI, TN, TX",0.15]
[null,"Primary",null,0,0,0,0,0,0,0,0,0,null,"15YR Fixed",{"$f":"IF(OR($O$164=\"\", $O$165=\"\", $O$165=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$218,\n         MATCH($O$165,$B$163:$B$218,0),\n         MATCH($O$164,$D$161:$L$161,0)))","v":0},{"$f":"IF(OR($P$164=\"\", $P$165=\"\", $P$165=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$218,\n         MATCH($P$165,$B$163:$B$218,0),\n         MATCH($P$164,$D$161:$L$161,0)))","v":0},{"$f":"IF(OR($Q$164=\"\", $Q$165=\"\",$Q$165=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$218,\n         MATCH($Q$165,$B$163:$B$218,0),\n         MATCH($Q$164,$D$161:$L$161,0)))","v":0},{"$f":"IF(OR($R$164=\"\", $R$165=\"\",$R$165=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$218,\n         MATCH($R$165,$B$163:$B$218,0),\n         MATCH($R$164,$D$161:$L$161,0)))","v":0},null,"Tier 3 States","Tier 3 States","AK, AL, AR, DE, IA, KS, KY, ME, MS, MT, ND, NE, NH, NM, SD, VT WI, WV, WY",0.25]
[null,"Non-Owner (Alt Doc/DSCR)",null,-0.25,-0.375,-0.375,-0.625,-0.625,-0.625,-0.625,-0.875,{"$error":"#N/A"},null,"30YR Fixed",{"$f":"NonQM!$U$11","v":"Choose a Selection"},{"$f":"NonQM!$U$11","v":"Choose a Selection"},{"$f":"NonQM!$U$11","v":"Choose a Selection"},{"$f":"NonQM!$U$11","v":"Choose a Selection"}]
[null,"2nd Home",null,-0.25,-0.25,-0.25,-0.5,-0.5,-0.5,-0.5,-0.5,{"$error":"#N/A"},null,"30YR IO Fixed",{"$f":"NonQM!U25","v":"Choose a Selection"},{"$f":"NonQM!U24","v":"Choose a Selection"},{"$f":"NonQM!U20","v":"Choose a Selection"},{"$f":"NonQM!U19","v":"Choose a Selection"}]
[null,"Full Doc - Non-Owner",null,-0.375,-0.5,-0.5,-0.75,-0.75,-0.75,-0.75,-1,{"$error":"#N/A"},null,"40YR IO Fixed"]
[null,"Condo",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"},null,"40YR Fixed","Reserves","Occupancy","Escrow","Lock Period"]
[null,"NW Condo",null,-1,-1,-1,-1,-1.25,-1.5,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"5/6 30YR ARM",{"$f":"IF(OR($O$169=\"\", $O$170=\"\", $O$170=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$218,\n         MATCH($O$170,$B$163:$B$218,0),\n         MATCH($O$169,$D$161:$L$161,0)))","v":0},{"$f":"IF(OR($P$169=\"\", $P$170=\"\", $P$170=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$218,\n         MATCH($P$170,$B$163:$B$218,0),\n         MATCH($P$169,$D$161:$L$161,0)))","v":0},{"$f":"IF(OR($Q$169=\"\", $Q$170=\"\", $Q$170=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$218,\n         MATCH($Q$170,$B$163:$B$218,0),\n         MATCH($Q$169,$D$161:$L$161,0)))","v":0},{"$f":"IF(OR($R$169=\"\", $R$170=\"\", $R$170=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$218,\n         MATCH($R$170,$B$163:$B$218,0),\n         MATCH($R$169,$D$161:$L$161,0)))","v":0}]
[null,"2 Units",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"},null,"5/6 30YR IO ARM",{"$f":"NonQM!$U$11","v":"Choose a Selection"},{"$f":"NonQM!$U$11","v":"Choose a Selection"},{"$f":"NonQM!$U$11","v":"Choose a Selection"},{"$f":"NonQM!$U$11","v":"Choose a Selection"}]
[null,"3-4 Units",null,-0.125,-0.125,-0.25,-0.25,-0.25,-0.5,-0.625,{"$error":"#N/A"},{"$error":"#N/A"},null,"5/6 40YR ARM",{"$f":"NonQM!U14","v":"Choose a Selection"},{"$f":"NonQM!U23","v":"Choose a Selection"},{"$f":"NonQM!U26","v":"Choose a Selection"},{"$f":"NonQM!U30","v":"Choose a Selection"}]
[null,"PUD",null,0,0,0,0,0,0,0,0,0,null,"7/6 30YR ARM"]
[null,"SFR",null,0,0,0,0,0,0,0,0,0,null,"7/6 30YR IO ARM"]
[null,"DSCR 5-8",null,0,0,0,0,0,0,0,0,0,null,"7/6 40YR ARM","DSCR"]
[null,"Other",null,null,null,null,null,null,null,null,null,null,null,"DTI ≤45% - All Doc Types","Loan Term","Property Type","DTI ","Citizenship Type"]
[null,"30YR IO Fixed",null,-0.25,-0.25,-0.5,-0.5,-0.5,-0.5,-0.5,{"$error":"#N/A"},{"$error":"#N/A"},null,"DTI >45% - All Doc Types",{"$f":"IF(OR($O$176=\"\", $O$177=\"\", $O$177=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$218,\n         MATCH($O$177,$B$163:$B$218,0),\n         MATCH($O$176,$D$161:$L$161,0)))","v":0},{"$f":"IF(OR($P$176=\"\", $P$177=\"\", $P$177=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$218,\n         MATCH($P$177,$B$163:$B$218,0),\n         MATCH($P$176,$D$161:$L$161,0)))","v":0},{"$f":"IF(OR($Q$176=\"\", $Q$177=\"\",$Q$177=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$218,\n         MATCH($Q$177,$B$163:$B$218,0),\n         MATCH($Q$176,$D$161:$L$161,0)))","v":0},{"$f":"IF(OR($R$176=\"\", $R$177=\"\",$R$177=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$218,\n         MATCH($R$177,$B$163:$B$218,0),\n         MATCH($R$176,$D$161:$L$161,0)))","v":0}]
[null,"40YR IO Fixed",null,{"$f":"NonQM!H71+D181","v":-1},{"$f":"NonQM!I71+E181","v":-1},{"$f":"NonQM!J71+F181","v":-1},{"$f":"NonQM!K71+G181","v":-1},{"$f":"NonQM!L71+H181","v":-1.25},{"$f":"NonQM!M71+I181","v":-1.25},{"$f":"NonQM!N71+J181","v":-1.25},{"$f":"NonQM!O71+K181","v":-1.5},{"$f":"NonQM!P71+L181","v":{"$error":"#N/A"}},null,"DTI ≥50% - All Doc Types",{"$f":"DSCR!$S$11","v":"Choose a Selection"},{"$f":"DSCR!$S$11","v":"Choose a Selection"},{"$f":"DSCR!$S$11","v":"Choose a Selection"},{"$f":"DSCR!$S$11","v":"Choose a Selection"}]
[null,"5/6 30YR IO ARM",null,{"$f":"NonQM!H71","v":-0.5},{"$f":"NonQM!I71","v":-0.5},{"$f":"NonQM!J71","v":-0.5},{"$f":"NonQM!K71","v":-0.5},{"$f":"NonQM!L71","v":-0.75},{"$f":"NonQM!M71","v":-0.75},{"$f":"NonQM!N71","v":-0.75},{"$f":"NonQM!O71","v":-1},{"$f":"NonQM!P71","v":{"$error":"#N/A"}},null,"Escrow Not Waived",{"$f":"DSCR!$S$25","v":"Choose a Selection"},{"$f":"DSCR!$S$24","v":"Choose a Selection"},{"$f":"NonQM!U32","v":"Choose a Selection"},{"$f":"DSCR!$S$19","v":"Choose a Selection"}]
[null,"7/6 30YR IO ARM",null,{"$f":"NonQM!H71","v":-0.5},{"$f":"NonQM!I71","v":-0.5},{"$f":"NonQM!J71","v":-0.5},{"$f":"NonQM!K71","v":-0.5},{"$f":"NonQM!L71","v":-0.75},{"$f":"NonQM!M71","v":-0.75},{"$f":"NonQM!N71","v":-0.75},{"$f":"NonQM!O71","v":-1},{"$f":"NonQM!P71","v":{"$error":"#N/A"}},null,"Escrow Waived"]
[null,"15YR Fixed",null,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,null,"ITIN","Reserves","Occupancy","Escrow","Lock Period"]
[null,"30YR Fixed",null,0,0,0,0,0,0,0,0,0,null,"Foreign Nat' With Fico",{"$f":"IF(OR($O$181=\"\", $O$182=\"\", $O$182=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$218,\n         MATCH($O$182,$B$163:$B$218,0),\n         MATCH($O$181,$D$161:$L$161,0)))","v":0},{"$f":"IF(OR($P$181=\"\", $P$182=\"\", $P$182=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$218,\n         MATCH($P$182,$B$163:$B$218,0),\n         MATCH($P$181,$D$161:$L$161,0)))","v":0},{"$f":"IF(OR($Q$181=\"\", $Q$182=\"\", $Q$182=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$218,\n         MATCH($Q$182,$B$163:$B$218,0),\n         MATCH($Q$181,$D$161:$L$161,0)))","v":0},{"$f":"IF(OR($R$181=\"\", $R$182=\"\", $R$182=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$218,\n         MATCH($R$182,$B$163:$B$218,0),\n         MATCH($R$181,$D$161:$L$161,0)))","v":0}]
[null,"40YR Fixed",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,null,"Permanent Resident",{"$f":"DSCR!$S$11","v":"Choose a Selection"},{"$f":"DSCR!$S$11","v":"Choose a Selection"},{"$f":"DSCR!$S$11","v":"Choose a Selection"},{"$f":"DSCR!$S$11","v":"Choose a Selection"}]
[null,"5/6 30YR ARM",null,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,null,"Non Perm Resident",{"$f":"DSCR!S14","v":"Choose a Selection"},{"$f":"DSCR!$S$23","v":"Choose a Selection"},{"$f":"DSCR!$S$26","v":"Choose a Selection"},{"$f":"DSCR!$S$30","v":"Choose a Selection"}]
[null,"5/6 40YR ARM",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,null,"SFR"]
[null,"7/6 30YR ARM",null,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,null,"2 Units","State DSCR"]
[null,"7/6 40YR ARM",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,null,"3-4 Units",{"$f":"IF(OR($O$186=\"\", $O$187=\"\", $O$187=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$218,\n         MATCH($O$187,$B$163:$B$218,0),\n         MATCH($O$186,$D$161:$L$161,0)))","v":0}]
[null,"Escrow Waived",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.5,null,"Condo",{"$f":"DSCR!$S$11","v":"Choose a Selection"}]
[null,"Escrow Not Waived",null,0,0,0,0,0,0,0,0,0,null,"FL Condo",{"$f":"DSCR!S29","v":"Choose a Selection"}]
[null,"DTI ≤45% - All Doc Types",null,0,0,0,0,0,0,0,0,0,null,"NW Condo"]
[null,"DTI >45% - All Doc Types",null,0,0,-0.125,-0.25,-0.25,-0.25,-0.25,-0.5,{"$error":"#N/A"},null,"PUD"]
[null,"DTI ≥50% - All Doc Types",null,-0.25,-0.25,-0.25,-0.375,-0.5,-0.625,-1,{"$error":"#N/A"},{"$error":"#N/A"},null,"DSCR 5-8 Units"]
[null,"US Citizen",null,0,0,0,0,0,0,0,0,0]
[null,"ITIN",null,-1.5,-1.5,-2,-2,-2,-2,-2.25,-2.5,{"$error":"#N/A"}]
[null,"Foreign Nat' With Fico",null,-1.5,-1.5,-1.5,-1.5,-2,-2,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"}]
[null,"Permanent Resident",null,0,0,0,0,0,0,0,0,0]
[null,"Non Perm Resident",null,0,0,0,0,0,0,0,0,0]
[null,"Subordinate Financing",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5]
[null,"< 3 Months",null,0,0,0,0,0,0,0,0,0]
[null,"≥ 3 Months",null,0,0,0,0,0,0,0,0,0]
[null,"≥ 6 Months",null,0,0,0,0,0,0,0,0,0]
[null,"≥ 12 Months",null,0,0,0,0,0,0,0,0,0]
[null,"All Other States",null,0,0,0,0,0,0,0,0,0]
[null,"Alaska",null,0,0,0,0,0,0,0,0,0]
[null,"California",null,0,0,0,0,0,0,0,0,0]
[null,"Maryland",null,0,0,0,0,0,0,0,0,0]
[null,"Minnesota",null,0,0,0,0,0,0,0,0,0]
[null,"New Mexico",null,0,0,0,0,0,0,0,0,0]
[null,"New Hampshire",null,0,0,0,0,0,0,0,0,0]
[null,"Delaware",null,0,0,0,0,0,0,0,0,0]
[null,"Georgia",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25]
[null,"Illinois",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25]
[null,"Kansas",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25]
[null,"New Jersey",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25]
[null,"Baltimore City, MD",null,0,0,0,0,0,0,0,0,0]
[null,"North Carolina",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25]
[null,"Ohio",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25]
[null,"30 Day",null,0,0,0,0,0,0,0,0,0]
[null,"45 Day",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25]
[null,"60 Day",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5]

{"sheet":"Feed(DSCR)","index":4,"n_rows":217,"n_cols":41,"rows_kept":217,"cut":false,"hidden":true,"merged":[[140,1,140,2],[135,1,135,2],[136,1,136,2],[137,1,137,2],[138,1,138,2],[139,1,139,2],[142,1,142,2],[143,1,143,2],[160,1,160,2],[161,1,161,11],[141,1,141,2],[79,1,79,4],[79,8,79,11],[128,1,128,3],[129,1,129,2],[130,1,130,2],[132,1,132,2],[133,1,133,2],[133,8,133,9],[134,1,134,2],[131,1,131,2],[134,8,134,9]]}
["FICO","LTV","Program","Doc Type","Additional Adjs","DTI","Loan Amount","Prepayment Penalties","Escrow Waiver","Purpose","Property Type","Occupancy","Term","Lock Period","Comp Type","Citizenships","Foreign National","Buydown","Subordinate Financing","State",null,"NOO & 2nd Home >75% LTV",null,{"$f":"IF(AND(OR(NonQM!U11=B9:B11),OR(NonQM!U23=L4:L6)),V4,V3)","v":"Not Applicable"},"All NonQM 25 except SELECT",{"$f":"IF(AND(OR(DSCR!S17=D3),OR(DSCR!S21=J3:J7),OR(DSCR!S24<>K10)),0.25)","v":false},"Special "]
["Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection",null,"Full/Alt NOO & 2nd Home ≤75% LTV",null,{"$f":"IF(AND(OR(NonQM!U11=B3:B8),OR(NonQM!U13=C3:C4),OR(NonQM!U23=L4:L6)),V4,V3)","v":"Not Applicable"}]
["780+","<=50","SELECT","DSCR","None in this Dropdown","DTI ≤45% - All Doc Types","<$150,000","No PPP-States not allowed","Escrow Not Waived","Purchase","SFR","Primary","15YR Fixed","15 Day","Borrower Paid","US Citizen","Not Applicable1","No","No","Alaska",null,"Not Applicable",null,null,"Cash-Out/Debt Consol. FICO < 680",{"$f":"IF(AND(OR(DSCR!S12=A9:A12),OR(DSCR!S21=J5:J7)),VLOOKUP($Y$3,DSCR!$F$30:$O$34,3,FALSE),0)","v":0},"Cash-Out/Debt Consol. FICO < 680"]
["760-779","50.01-55","Core",null,"Asset Utilization","DTI >45% - All Doc Types","$150,001-$250,000","No PPP-States that allow","Escrow Waived","Rate Term Refi","2 Units","2nd Home","30YR Fixed","30 Day",null,"Permanent Resident","Not Applicable2","2:1 Buydown","Yes","All Other States",null,"hbn",null,null,"Not Applicable"]
["740-759","55.01-60","SELECT - DSCR",null,"1099 w/ Bank Statement","DTI ≥50% - All Doc Types","$250,001-$1,000,000","12 Months PPP*",null,"Cash Out Refi","3-4 Units","Full Doc - Non-Owner","30YR IO Fixed","45 Day",null,"Non Perm Resident","Not Applicable3","1:0 Buydown",null,"Baltimore City, MD",null,null,null,null,"Yes",null,null,null," "]
["720-739","60.01-65","Core DSCR (≥1.20)",null,"VOE w/ Bank Statement","No DTI Program",">$1,000,000","24 Months PPP*",null,"Rate Term Refi FICO < 680","Condo","Non-Owner (Alt Doc/DSCR)","40YR IO Fixed","60 Day",null,"ITIN",null,null,null,"California",null,null,null,null,null,null,null,null," "]
["700-719","65.01-70","Core DSCR (≥1.00)",null,"P&L w/ Bank Statement",null,">$1,500,000","36 Months PPP*",null,"Cash Out Refi FICO < 680","FL Condo","Choose a Selection","40YR Fixed","75 Day",null,"Foreign National",null,null,null,"Delaware",null,null,null,"green is logic",null,null,null,null," "]
["680-699","70.01-75","Sub1 DSCR (0.75-0.99)",null,"P&L Only",null,">$2,000,000","48 Months PPP*",null,null,"NW Condo",null,"5/6 30YR ARM",null,null,null,null,null,null,"Georgia",null,null,null,"z1 cell has 2 specials formulas",null,null,null,null," "]
["660-679","75.01-80","No Ratio DSCR - < 0.75  ",null,"Short Term Rental",null,">$2,500,000","60 Months PPP*",null,null,"PUD",null,"5/6 30YR IO ARM",null,null,null,null,null,null,"Illinois",null,null,null,null,null,null,null,null," "]
["640-659","80.01-85","DSCR Fusion (DSCR + Asset Util)",null,null,null,">$3,000,000","12 Months PPP (5% Fixed)**",null,null,"DSCR 5-8",null,"5/6 40YR ARM",null,null,null,null,null,null,"Kansas",null,null,null,null,null,null,null,null," "]
["620-639","85.01-90",null,null,null,null,">$3,500,000","24 Months PPP  (5% Fixed)**",null,null,null,null,"7/6 30YR ARM",null,null,null,null,null,null,"Maryland"]
["600-619",null,null,null,null,null,">$4,000,000","36 Months PPP  (5% Fixed)**",null,null,null,null,"7/6 30YR IO ARM",null,null,null,null,null,null,"Minnesota",null,null,null,null,null,null,null,null," "]
[null,null,"Reserves","Payment History","Credit Events",null,null,"48 Months PPP  (5% Fixed)**",null,"Title Vesting",null,null,"7/6 40YR ARM",null,null,null,null,null,null,"New Hampshire",null,null,null,null,null,null,null,null," "]
[null,null,"Choose a Selection","Choose a Selection","Choose a Selection",null,"DSCR CASHOUT","60 Months PPP  (5% Fixed)**",null,null,null,null,null,null,null,null,null,null,null,"New Jersey"]
[null,null,"< 3 Months","0x30x12","12 Months",null,"Choose a Selection",null,null,"NJ Title Vested In LLC",null,null,null,null,null,null,null,null,null,"New Mexico"]
[" 'NanQ ONE Program'!",null,"≥ 3 Months","1x30x12","24 Months",null,"No",null,null,"NJ Title Vested In Corp",null,null,null,null,null,null,null,null,null,"North Carolina"]
["Feed(WS)'!",null,"≥ 6 Months","1x30x12 (DSCR)","36 Months",null,"Yes","5% Fixed PPP",null,null,null,null,null,null,null,null,null,null,null,"Ohio"]
[null,null,"≥ 12 Months","1x60x12","48 Months"]
[null,null,null,"1x30x6","NONE",null,null,"No"]
[null,null,null,"0x30x24",null,null,null,"Yes"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Pop Ups",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["No Ratio above 60% warning",{"$f":"IF(AND(OR(DSCR!S11='Feed(DSCR)'!B8:B11),OR(DSCR!S13=C8:C10)),TRUE,FALSE)","v":false},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"CORE 1x30",null,null,null,"CORE 1x60"]
[null,null,null,null,null,"Disqualifiers Select",null,null,null,null,null,"Disqualifiers DSCR",null,null,null,null,"CORE",null,null,null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 700+ purchase capped 85%",null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 700+ purchase capped 80%",null,null,null,null,null,"All States PPP",null,null,null,"Misc Disqualifiers",null,null,null," "]
["Disqualifiers",null,null,null,null,"Preferred x Housing History",null,"Has to be 0x30x24",null,null,null,"Prop Type",{"$f":"IF(AND(OR(DSCR!S24=K4:K5),DSCR!S13=C7,OR(DSCR!S11=B10:B11)),NA(),\"\")","v":""},"2-4 Units is capped at 80% LTV",null,null,"FICO X Loan Amt X LTV X STANDARD",null,"680 Standard, LTV 80.01-85% NA over 1 mil",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 680+ Purchase capped 80%",null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 680+ Purchase capped 75%",null,null,null,null,null,"State Restrictions",null,"FULL ALT N/A for Baltimore City and Essex County",null,"DSCR 640 FICO",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$12, $A$10:$A$12, 0)),\n   ISNUMBER(MATCH(DSCR!$S$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(DSCR!$S$20, $G$4:$G$5, 0)),\n   ISNUMBER(MATCH(DSCR!$S$13, $C$6:$C$7, 0)),\n   DSCR!$S$21 = $J$7\n), NA(), \"\")","v":""},"Max Cashout 640 FICO DSCR is 70%",null," "]
["ITIN",null,"ITIN N/A for 85.01-90% LTV",null,null,"Reserves X Preferred",null,"Min 6 Months",null,null,null,"Prop Type",{"$f":"IF(AND(OR(DSCR!S24=K4:K5),DSCR!S13=C7,OR(DSCR!S11=B9:B11),OR(DSCR!S21=J6:J7)),NA(),\"\")","v":""},"2-4 Units is capped at 75% LTV Cahshout (5% Reduction)",null,null,"FICO X Loan Amt X LTV X A+",null,"680 FICO caps over 1.5MM to 2 MM 80% LTV",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 600+ Purchase capped 75%",null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 600+ Purchase capped 70%",null,null,null,null,null,null,{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$13, $C$3:$C$9, 0)),\n   DSCR!$S$29 = $T$15\n), NA(), \"\")","v":""},"DSCR N/A for Baltimore City and Essex County",null,"DSCR 620 FICO",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$12, $A$11:$A$12, 0)),\n   ISNUMBER(MATCH(DSCR!$S$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(DSCR!$S$21, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(DSCR!$S$13, $C$6:$C$7, 0)),\n   DSCR!$S$20 = $G$5\n), NA(), \"\")","v":""},"Max Cashout 620 FICO DSCR is 65%",null," "]
["ITIN",null,"ITIN minimum 660 Fico rule for all LTVs",null,null,"Occupancy",null,"Select N/A s DSCR",null,null,null,"DSCR",{"$f":"IF(AND(OR(DSCR!S12='Feed(DSCR)'!A3:A12),DSCR!S17='Feed(DSCR)'!D3,OR(DSCR!S11='Feed(DSCR)'!B9:B11),OR(DSCR!S21='Feed(DSCR)'!J6:J7)),NA(),\"\")","v":""},"DSCR 75% CAP on Cash out ",null,null,"FICO X Loan Amt X LTV X A+",null,"680 FICO caps over 2MM to 2.5MM 75% LTV",null,"Housing History X LTV",null,"1x30x12  10% LTV reduction FICO 700+ purchase capped 80% >$2.5",null,"Housing History X LTV",null,"1x30x12  10% LTV reduction FICO 700+ purchase capped 80% >$2.5",null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",null,"ITIN 0-1.5 mil loan amount max",null,null,"Occupancy",null,"Select  2nd Home Max 75%",null,null,null,"DSCR Select",{"$f":"IF(AND(OR(DSCR!S13='Feed(DSCR)'!C5),OR(DSCR!S24='Feed(DSCR)'!K4:K5,DSCR!S24='Feed(DSCR)'!K8)),NA(),\"\")","v":""},"NAs 2-4 Units/NW Codno",null,null,"FICO X Loan Amt X LTV X CORE",null,"680 FICO caps over 2.5MM to 3MM 70% LTV",null,"Housing History X LTV",null,"1x30x12  10% LTV reduction FICO 680+ purchase capped 75% >$2.5",null,"Housing History X LTV",null,"1x30x12  10% LTV reduction FICO 680+ purchase capped 75% >$2.5",null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",null,"ITIN N/A for 80.01-90% LTV on NOO",null,null,"Occupancy",null,"Preferred  NOO Max 75%",null,null,null,"DSCR",{"$f":"IF(AND(OR(DSCR!S13='Feed(DSCR)'!C8),DSCR!S17='Feed(DSCR)'!D3,OR(DSCR!S12='Feed(DSCR)'!A11:A12)),NA(),\"\")","v":""},"No Ratio Nas on FICOs below 640",null,null,"FICO X Loan Amt X LTV X STANDARD",null,"680-719 FICO caps at 60% LTV Pur/R&T",null,"Housing History X LTV",null,"1x30x12  10% LTV reduction FICO 600+ purchase capped 70% >$2.5",null,"Housing History X LTV",null,"1x30x12  10% LTV reduction FICO 600+ purchase capped 70% >$2.5",null,null,null,null,null,"PPP for all other states Full/Alt",null,"IF All Other States and NO PPP is chosen then it will N/A"]
[" Foreign National",null,"FN minimum 700 Fico rule",null,null,"Prop Type",null,"Preferred Condo Max 85%",null,null,null,"DSCR Select",{"$f":"IF(AND(OR(DSCR!S13='Feed(DSCR)'!C5),OR(DSCR!S18='Feed(DSCR)'!E9)),NA(),\"\")","v":""},"Nas for Select DSCR STR",null,null,"FICO X Loan Amt X LTV X STANDARD",null,"680 FICO NA >3.5MM",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 700+ & 680+ R&T capped 80%",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 700+ & 680+ R&T capped 80%",null,null,null,null,null,"PPP for all other states DSCR",{"$f":"IF(AND(OR(DSCR!S23=L5:L6),(DSCR!S27=H3),OR(DSCR!S29='Feed(DSCR)'!T3)),NA(),\"\")","v":""},"IF All Other States and NO PPP is chosen then it will N/A"]
["All PPPs",{"$f":"IF(AND(ISNUMBER(MATCH(DSCR!S23,L3:L4,0)),\n        ISNUMBER(MATCH(DSCR!S27,H5:H14,0))),NA(),\"\")","v":""},"NA if PPP is selected for AK, ME,MI, NM",null,null,"Prop Type",null,"Preferred N/A s NW Condo",null,null,null,"DSCR State",{"$f":"IF(AND(DSCR!S17='Feed(DSCR)'!D3,OR(DSCR!S29='Feed(DSCR)'!T4),OR(DSCR!S20='Feed(DSCR)'!G8:G12)),NA(),\"\")","v":""},"DSCR 2MM cap for Georgia",null,null,"FICO X Loan Amt X LTV X STANDARD",null,"700-719 FICO caps over 1.5MM 85% LTV",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 600+ Purchase capped 75%",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 600+ Purchase capped 75%",null,null,null,null,null,"Maryland PPP Full/Alt",null,"If MD and PPP >36months NA"]
[1099,null,"NA on 1099 over $3MM",null,null,"Prop Type",null,"2 Units is capped at 80% LTV",null,null,null,"DSCR",{"$f":"IF(AND(OR(DSCR!S13='Feed(DSCR)'!C5,DSCR!S13='Feed(DSCR)'!C7:C8),DSCR!S17='Feed(DSCR)'!D3,OR(DSCR!S11='Feed(DSCR)'!B10:B11)),NA(),\"\")","v":""},"DSCR >80%LTV needs ratio of 1.20 ",null,null,"FICO X Loan Amt X LTV X STANDARD",null,"700-719 FICO caps over 2.5MM 75% LTV",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 600+ cashout capped 70%",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 600+ cashout capped 70%",null,null,null,null,null,"Maryland PPP DSCR",{"$f":"IF(AND(OR(DSCR!S23=L5:L6),OR(DSCR!S27=H3,DSCR!S27=H8:H9),OR(DSCR!S29='Feed(DSCR)'!T6)),NA(),\"\")","v":""},"If MD and PPP >36months NA"]
[" Foreign National",null,"FN 0-2 mil loan amount max",null,null,"Prop Type",null,"3-4 Units is capped at 75% LTV",null,null,null,"NJ PPP",{"$f":"IF(AND(OR(DSCR!S28=J15),OR(DSCR!S27=H4:H9),OR(DSCR!S29='Feed(DSCR)'!T14:T14)),NA(),\"\")","v":""},"If NJ <> Vested in LLC ",null,null,"FICO X Loan Amt X LTV X STANDARD",null,"700-719 FICO cap over 3.5MM is 50% LTV",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 600+ cashout capped 65% >$1mm",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 600+ cashout capped 65% >$1mm"]
["NAs >$4,000,000 ",null,null,null,null,"Prop Type",null,"FL Condo Max LTV 75%",null,null,null,"NJ no PPP in Corp",{"$f":"IF(AND(OR(DSCR!S28=J16),(DSCR!S27=H3),OR(DSCR!S29='Feed(DSCR)'!T14:T14)),NA(),\"\")","v":""},"If NJ Corp has to have PPP",null,null,"FICO X Loan Amt X LTV X STANDARD",null,"720-739 FICO cap over 2.5MM 75% LTV",null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 600+ purchase capped 70%",null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 600+ purchase capped 70%",null,null,null,null,null,"DSCR 5-8 40 Yr I/O",{"$f":"IF(AND(OR(DSCR!$S$25='Feed(DSCR)'!$M$6),DSCR!$S$24='Feed(DSCR)'!$K$10),NA(),\"\")","v":""},null,null,null,null,null,null," "]
["85.01-90% LTV",null,"A+ / NOO - 2nd home / 85.01-90%",null,null,"Loan Term",null,"Select N/A s 15Year, ARMS, IO, and 40 Year",null,null,null,"LLC PPP",{"$f":"IF(AND(OR(DSCR!S28=J15),(DSCR!S27=H3),(DSCR!S29='Feed(DSCR)'!T3)),NA(),\"\")","v":""},"Need to choose NJ and in LLC to allow no PPP for max of 100",null,null,"FICO X Loan Amt X LTV X STANDARD",null,"720-739 FICO cap over 3MM 70% LTV",null,"Housing History X LTV",null,"1x60x12  5% LTV reduction FICO 600-679 Cashout capped 65%",null,"Housing History X LTV",null,"1x60x12  5% LTV reduction FICO 600-679 Cashout capped 65%",null,null,null,null,null,"DSCR 5-8 Escrow",{"$f":"IF(AND(OR(DSCR!$S$26='Feed(DSCR)'!$I$4),DSCR!$S$24='Feed(DSCR)'!$K$10),NA(),\"\")","v":""},"Must have impounds/escrows",null,null,null,null,null," "]
["C Grade >70%",null,"C Grade /  >70% LTV",null,null,"Preferred X Cash out",null,"Cash Out caps LTV at 75%",null,null,null,"Corp No state",{"$f":"IF(AND(OR(DSCR!S28=J16),(DSCR!S27=H3),(DSCR!S29='Feed(DSCR)'!T3)),NA(),\"\")","v":""},"If Vesting=corp, and state is ALL, and NO PPP then NA",null,null,"FICO X Loan Amt X LTV X STANDARD",null,"720-739 FICO cap over 3.5MM 60% LTV",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 700+ CASHOUT Max 75%",null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 700+ CASHOUT Max 70%",null,null,null,null,null,"Sub 1 Ratio 70%",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(DSCR!$S$12, $A$7:$A$12, 0)),\n   ISNUMBER(MATCH(DSCR!$S$21, $J$3:$J$4, 0)),\n   DSCR!$S$13 = $C$8), NA(), \"\")","v":""},"No Ratio Pur/R&T N/A >70%",null,null,null,null,null," "]
["PPP >80% LTV",{"$f":"IF(AND(OR(DSCR!S11='Feed(DSCR)'!B10:B11),OR(DSCR!S23='Feed(DSCR)'!L5:L6),OR(DSCR!S27='Feed(DSCR)'!H2:H4)),NA(),\"\")","v":""},"80.01-90% / NOO / PPP required",null,null,"Preferred X Loan Amount",null,"No Select over 3MM or Below <150k",null,null,null,"Vesting Blank",{"$f":"IF(AND(OR(DSCR!S28=J14),OR(DSCR!S27=H4:H9),(DSCR!S29='Feed(DSCR)'!T14)),NA(),\"\")","v":""},"If Vesting is left blank, State NJ, and PPP is chosen then NA",null,null,"FICO X Loan Amt X LTV X STANDARD",null,"740+ FICO cap over 3.5MM 65% LTV",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 720+ CASHOUT Max 75% >1mm",null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 700+ CASHOUT Max 70% >1mm",null,null,null,null,null,"Max LTV Sub 1",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(DSCR!$S$12, $A$3:$A$6, 0)),\n   DSCR!$S$21 = $J$3,\n   DSCR!$S$13 = $C$8\n), NA(), \"\")","v":""},"Max 75% 720+ FICO Sub 1 Ratio",null,null,null,null,null," "]
["Grade A+ Min FICO is 660",null,"Grade A+ Minimum FICO is 660, so under 660 is “NA”",{"$f":"IF(AND(OR(NonQM!U12=A10:A12),NonQM!U13=C4),NA(),\"\")","v":""},null,"FICO X Preferred",null,"680 FICO minimum",null,null,null,"DSCR 5-8 Units",null,"NAs Alt, Full for 5-8 Units",null,null,"FICO X Loan Amt X LTV X STANDARD",null,"600+ FICO cap over 1mm 75% Purchase & R&T",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 640-679 CASHOUT Max 70% >1mm",null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 640-679 CASHOUT Max 65% >1mm",null,null,null,null,null,"No Ratio Cashout",{"$f":"IF(AND(OR(DSCR!S13='Feed(DSCR)'!C8),DSCR!S17='Feed(DSCR)'!D3,OR(DSCR!S11='Feed(DSCR)'!B7:B11),OR(DSCR!S21='Feed(DSCR)'!J6:J7)),NA(),\"\")","v":""},"No Ratio Cashout N/A >65%",null,null,null,null,null," "]
["85.01-90% LTV 1.5mil cap",null,"90% LTV Max loan amount is 1.5MM, so >1.5 and >2 and >3 is “NA”",null,null,"FICO X Loan Amt X LTV X Preferred",null,"680-699 FICO caps 1 MM at 80% LTV",null,null,null,"DSCR 5-8 Purchase 720 1.5MM",{"$f":"IF(AND(OR(DSCR!$S$12=$A$3:$A$6),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$3:$G$6),OR(DSCR!$S$11='Feed(DSCR)'!$B$9:$B$11),OR(DSCR!$S$21='Feed(DSCR)'!$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >720 1.5MM 75 LTV",null,null,"FICO X Loan Amt X LTV X CORE",null,"600-639 NA Over 1.5MM",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 600-639 CASHOUT Max 65% >1mm",null,"Housing History X LTV",null,"1x60x12  5% LTV reduction FICO 600-639 Purchase Max 65% >1mm",null,null,null,null,null,"No Ratio Property Type",{"$f":"IF(AND(OR(DSCR!S13='Feed(DSCR)'!C8),DSCR!S17='Feed(DSCR)'!D3,OR(DSCR!S11='Feed(DSCR)'!B6:B11),OR(DSCR!S21='Feed(DSCR)'!J3:J4), OR(DSCR!S24=K4:K5)),NA(),\"\")","v":""},"No Ratio Pur/R&T N/A >60% Condo",null,null,null,null,null," "]
["80.01-85% LTV 2mil cap",null,"85% LTV Max Loan Amount is 2.0MM so >2 is “NA”",null,null,"FICO X Loan Amt X LTV X Preferred",null,"680-699 FICO caps over 1 MM at 75% LTV",null,null,null,"DSCR 5-8 Purchase 700 1.5MM",{"$f":"IF(AND(OR(DSCR!$S$12='Feed(DSCR)'!$A$7),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$3:$G$6),OR(DSCR!$S$11='Feed(DSCR)'!$B$9:$B$11),OR(DSCR!$S$21='Feed(DSCR)'!$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >700 1.5MM 75 LTV",null,null,"FICO X Loan Amt X LTV X CORE",null,"640-659 NA Over 2MM",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 740+ Purchase Max 80% >1.5mm",null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 740+ Purchase Max 75% >1.5mm",null,null,null,null,null,"No Ratio Property Type",{"$f":"IF(AND(OR(DSCR!S13='Feed(DSCR)'!C8),DSCR!S17='Feed(DSCR)'!D3,OR(DSCR!S11=B6:B11),OR(DSCR!S21='Feed(DSCR)'!J6:J7), OR(DSCR!S24=K4:K5)),NA(),\"\")","v":""},"No Ratio Cashout N/A >60% Condo",null,null,null,null,null," "]
["70% LTV 3-4 mil cap",null,"70% LTV Max so >3->4 is “NA”",null,null,"FICO X Loan Amt X LTV X Select",null,"680-699 FICO caps over 2 MM at 65% LTV",null,null,null,"DSCR 5-8 Purchase 680 1.5MM",{"$f":"IF(AND(OR(DSCR!$S$12='Feed(DSCR)'!$A$8),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$3:$G$6),OR(DSCR!$S$11='Feed(DSCR)'!$B$8:$B$11),OR(DSCR!$S$21='Feed(DSCR)'!$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >680 1.5MM 70 LTV",null,null,"FICO X Loan Amt X LTV X CORE",null,"680-699 NA Over 3.5MM",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 740+ Cashout Max 75% >1.5mm",null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 740+ Cashout Max 70% >1.5mm",null,null,null,null,null,"No Ratio Property Type",{"$f":"IF(AND(OR(DSCR!S13=C8:C10),DSCR!S17='Feed(DSCR)'!D3,OR(DSCR!S11=B8:B11),OR(DSCR!S21='Feed(DSCR)'!J3:J4), OR(DSCR!S24=K6:K8)),NA(),\"\")","v":""},"No Ratio Pur/R&T N/A >70% Condo",null,null,null,null,null," "]
["Condo 80% LTV Cap",null,"85% Max for Condo",null,null,"FICO X Loan Amt X LTV X Select",null,"680-699 FICO caps over 2.5 MM at 60% LTV",null,null,null,"DSCR 5-8 Purchase 720 2.0MM",{"$f":"IF(AND(OR(DSCR!$S$12='Feed(DSCR)'!$A$3:$A$6),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$7:$G$12),OR(DSCR!$S$11='Feed(DSCR)'!$B$8:$B$11),OR(DSCR!$S$21='Feed(DSCR)'!$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >720 2.0MM 70 LTV",null,null,"FICO X Loan Amt X LTV X CORE",null,"600-679 FICO NA over 75% Cashout",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 720-739 Purchase Max 80% >1.5mm",null,"Housing History X LTV",null,"1x60x12 10% LTV reduction FICO 720-739 Purchase Max 75% >1.5mm",null,null,null,null,null,"No Ratio Property Type",{"$f":"IF(AND(OR(DSCR!S13=C8:C10),DSCR!S17='Feed(DSCR)'!D3,OR(DSCR!S11=B6:B11),OR(DSCR!S21=J5:J7), OR(DSCR!S24=K6:K8)),NA(),\"\")","v":""},"No Ratio Cashout N/A >60% Condo",null,null,null,null,null," "]
["2 Unit 85% LTV Cap",null,"85% Max for 2 Units",null,null,"FICO X Loan Amt X LTV X Preferred",null,"700-719 FICO caps  1 MM at 85% LTV",null,null,null,"DSCR 5-8 Purchase 700 2.0MM",{"$f":"IF(AND(OR(DSCR!$S$12='Feed(DSCR)'!$A$7),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$7:$G$12),OR(DSCR!$S$11='Feed(DSCR)'!$B$8:$B$11),OR(DSCR!$S$21='Feed(DSCR)'!$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >700 2.0MM 70 LTV",null,null,"FICO X Loan Amt X LTV X CORE",null,"640-679 FICO NA over 75% Cashout >1mm",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 720-739 Purchase Max 75% >1.5mm",null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 720-739 Cashout Max 70% >1.5mm",null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["NW Condo 75% LTV Cap",null,"75% Max for NW Condo",null,null,"FICO X Loan Amt X LTV X Preferred",null,"700-719 FICO caps over 1 MM at 80% LTV",null,null,null,"DSCR 5-8 Purchase 680 2.0MM",{"$f":"IF(AND(OR(DSCR!$S$12='Feed(DSCR)'!$A$8),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$7),OR(DSCR!$S$11='Feed(DSCR)'!$B$7:$B$11),OR(DSCR!$S$21='Feed(DSCR)'!$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >680 2.0MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",null,"600-639 FICO NA over 70% Cashout >1mm",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 700-719 Purchase Max 80% >1.5mm",null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 700-719 Purchase Max 75% >1.5mm",null,null,null,null,null,"P&L Only",null,null,null,null,null,null,null," "]
["3-4 Unit 80% LTV Cap",null,"80% Max for 3-4 Units",null,null,"FICO X Loan Amt X LTV X Select",null,"700-719 FICO caps over 1.5 MM at 75% LTV",null,null,null,"DSCR 5-8 Cashout 720 1.5MM",{"$f":"IF(AND(OR(DSCR!$S$12='Feed(DSCR)'!$A$3:$A$6),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$3:$G$6),OR(DSCR!$S$11='Feed(DSCR)'!$B$7:$B$11),OR(DSCR!$S$21='Feed(DSCR)'!$J$6:$J$7)),NA(),\"\")","v":""},"DSCR 5-8 Cashout >720 1.5MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",null,"600-639 FICO NA over 70% Cashout >1.5mm",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 700-719 Cashout Max 75% >1.5mm",null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 700-719 Cashout Max 70% >1.5mm",null,null,null,null,null,"LTV MAX",null,"80% MAX LTV",null,null,null,null,null," "]
["DSCR",{"$f":"IF(AND(OR(DSCR!S11=B8:B11),OR(DSCR!S12=A11:A12),DSCR!S17=D3),NA(),\"\")","v":""},"DSCR >70% LTV 620 FICO cap",null,null,"FICO X Loan Amt X LTV X Select",null,"700-719 FICO caps over 2.5 MM at 65% LTV",null,null,null,"DSCR 5-8 Cashout 700 1.5MM",{"$f":"IF(AND(OR(DSCR!$S$12='Feed(DSCR)'!$A$7),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$3:$G$6),OR(DSCR!$S$11='Feed(DSCR)'!$B$7:$B$11),OR(DSCR!$S$21='Feed(DSCR)'!$J$6:$J$7)),NA(),\"\")","v":""},"DSCR 5-8 Cashout >700 1.5MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",null,"680-699 FICO NA over 75% Cashout >1.5mm",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 680-699 Purchase Max 75% >1.5mm",null,"Housing History X LTV",null,"1x600x12  10% LTV reduction FICO 680-699 Purchase Max 70% >1.5mm",null,null,null,null,null,"MIN FICO",null,"660 Min FICO",null,null,null,null,null," "]
["DSCR",{"$f":"IF(AND(OR(DSCR!S11='Feed(DSCR)'!B10:B11),DSCR!S17='Feed(DSCR)'!D3,OR(DSCR!S24='Feed(DSCR)'!K4:K6)),NA(),\"\")","v":""},"DSCR >80% 2-4 Units/Condo",null,null,"FICO X Loan Amt X LTV X Preferred",null,"720-739 FICO caps caps 1.5 MM at 85% LTV",null,null,null,"DSCR 5-8 Cashout 680 1.5MM",{"$f":"IF(AND(OR(DSCR!$S$12='Feed(DSCR)'!$A$8),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$3:$G$6),OR(DSCR!$S$11='Feed(DSCR)'!$B$6:$B$11),OR(DSCR!$S$21='Feed(DSCR)'!$J$6:$J$7)),NA(),\"\")","v":""},"DSCR 5-8 Cashout >680 1.5MM 60 LTV",null,null,"FICO X Loan Amt X LTV X CORE",null,"640-679 FICO NA over 75% Purchase >1.5mm",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 680-699 Cashout Max 70% >1.5mm",null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 680-699 Cashout Max 65% >1.5mm",null,null,null,null,null,"Max LA",null,"2.5MM Max",null,null,null,null,null," "]
["DSCR",{"$f":"IF(AND(OR(DSCR!S12='Feed(DSCR)'!A7:A12),DSCR!S17='Feed(DSCR)'!D3,OR(DSCR!S11='Feed(DSCR)'!B9:B11),OR(DSCR!U21='Feed(DSCR)'!J6:J7)),NA(),\"\")","v":""},"DSCR 75% CAP on Cash out FICO <720",null,null,"FICO X Loan Amt X LTV X Select",null,"720-739 FICO caps over 1.5 MM and 80% LTV",null,null,null,"DSCR 5-8 Cashout 720 2.0MM",{"$f":"IF(AND(OR(DSCR!$S$12='Feed(DSCR)'!$A$3:$A$6),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$7),OR(DSCR!$S$11='Feed(DSCR)'!$B$7:$B$11),OR(DSCR!$S$21='Feed(DSCR)'!$J$6:$J$7)),NA(),\"\")","v":""},"DSCR 5-8 Cashout >720 2.0MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",null,"640-679 FICO NA over 70% Cashout >1.5mm",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 640-679 Purchase Max 70% >1.5mm",null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 640-679 Purchase Max 65% >1.5mm",null,null,null,null,null,"Credit Events",null,"Min 36 Months",null,null,null,null,null," "]
["DTI >45%",null,"DTIs over 45% can't pair with LTVs 85.01-90%",null,null,"FICO X Loan Amt X LTV X Select",null,"720-739 FICO caps over 2 MM and 75% LTV",null,null,null,"DSCR 5-8 Cashout 700 2.0MM",{"$f":"IF(AND(OR(DSCR!$S$12='Feed(DSCR)'!$A$7),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$7),OR(DSCR!$S$11='Feed(DSCR)'!$B$7:$B$11),OR(DSCR!$S$21='Feed(DSCR)'!$J$6:$J$7)),NA(),\"\")","v":""},"DSCR 5-8 Cashout >700 2.0MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",null,"700+ FICO NA over 80% Cashout >2mm",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 640-679 Cashout Max 65% >1.5mm",null,"Housing History X LTV",null,"1x60x12 10% LTV reduction FICO 640-679 Cashout Max 60% >1.5mm",null,null,null,null,null,"Min Lates",null,"Max allowed is 1x30x12",null,null,null,null,null," "]
["I/O over 80% LTV",null,"NA for any IO over 80% LTV",null,null,"FICO X Loan Amt X LTV X Preferred",null,"740+ FICO caps  2 MM at 85% LTV",null,null,null,"DSCR 5-8 Cashout 680 2.0MM",{"$f":"IF(AND(OR(DSCR!$S$12='Feed(DSCR)'!$A$8),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$7),OR(DSCR!$S$11='Feed(DSCR)'!$B$6:$B$11),OR(DSCR!$S$21='Feed(DSCR)'!$J$6:$J$7)),NA(),\"\")","v":""},"DSCR 5-8 Cashout >680 2.0MM 60 LTV",null,null,"FICO X Loan Amt X LTV X CORE",null,"680-699 FICO NA over 70% Cashout >2mm",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 700+ Purchase Max 75% >2mm",null,"Housing History X LTV",null,"1x60x12 10% LTV reduction FICO 700+ Purchase Max 70% >2mm",null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Min Rate >$2MM",null,"NA for rates below min rate",null,null,"FICO X Loan Amt X LTV X Select",null,"740+ FICO caps  over 2.5 MM at 75% LTV",null,null,null,"DSCR 5-8 RateTerm 720 1.5MM",{"$f":"IF(AND(OR(DSCR!$S$12='Feed(DSCR)'!$A$3:$A$6),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$3:$G$6),OR(DSCR!$S$11='Feed(DSCR)'!$B$9:$B$11),OR(DSCR!$S$21='Feed(DSCR)'!$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >720 1.5MM 75 LTV",null,null,"FICO X Loan Amt X LTV X CORE",null,"660-679 FICO NA over 70% Purchase >2mm",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 700+ Cashout Max 70% >2mm",null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 700+ Cashout Max 65% >2mm",null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["Min Rate ITIN",null,"7.499 min rate for ITIN",null,null,"FICO X Loan Amt X LTV X Select X Cash",null,"680-699 FICO caps over 1 MM at 70% LTV Cash Out",null,null,null,"DSCR 5-8 RateTerm 700 1.5MM",{"$f":"IF(AND(OR(DSCR!$S$12='Feed(DSCR)'!$A$7),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$3:$G$6),OR(DSCR!$S$11=$B$9:$B$11),OR(DSCR!$S$21='Feed(DSCR)'!$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >700 1.5MM 75 LTV",null,null,"FICO X Loan Amt X LTV X CORE",null,"660-679 FICO NA over 65% Cashout >2mm",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 680-699 Purchase Max 70% >2mm",null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 680-699 Purchase Max 65% >2mm",null,null,null,null,null,"No Ratio < 0.750"]
["CA NAs on No PPP NOO",{"$f":"IF(AND(OR(DSCR!S29=T5),OR(DSCR!S27=H3),OR(DSCR!S23=L5:L6)),NA(),\"\")","v":""},null,null,null,"FICO X Loan Amt X LTV X Select X Cash",null,"680-699 FICO caps over 2 MM at 60% LTV Cash Out",null,null,null,"DSCR 5-8 RateTerm 680 1.5MM",{"$f":"IF(AND(OR(DSCR!$S$12='Feed(DSCR)'!$A$8),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$7:$G$12),OR(DSCR!$S$11='Feed(DSCR)'!$B$7:$B$11),OR(DSCR!$S$21='Feed(DSCR)'!$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >680 1.5MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",null,"720+ FICO NA over 75% Cashout >2.5mm",null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 680-699 Cashout Max 65% >2mm",null,"Housing History X LTV",null,"1x60x12 10% LTV reduction FICO 680-699 Cashout Max 60% >2mm",null,null,null,null,null,"Min FICO for NO RATIO",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$12, $A$8:$A$12, 0)),\n   DSCR!$S$13 = $C$9\n), NA(), \"\")","v":""},"700 Min FICO"]
["Total",{"$f":"SUM(B39:B66)+SUM(G38:G76)+SUM(M38:M77)+SUM(R38:R82)+SUM(AH38:AH112)+SUM(Z37:Z125)+SUM(V37:V92)+SUM(AL38:AL45)","v":0},null,null,null,"FICO X Loan Amt X LTV X Select X Cash",null,"700-719 FICO caps over 1.5 MM at 70% LTV Cash Out",null,null,null,"DSCR 5-8 RateTerm 720 2.0MM",{"$f":"IF(AND(OR(DSCR!$S$12='Feed(DSCR)'!$A$3:$A$6),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$7:$G$12),OR(DSCR!$S$11='Feed(DSCR)'!$B$8:$B$11),OR(DSCR!$S$21='Feed(DSCR)'!$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >720 2.0MM 70 LTV",null,null,"FICO X Loan Amt X LTV X CORE",null,"700-719 FICO NA over 70% Cashout >2.5mm",null,"Housing History X LTV",null,"1x30x12  10% LTV reduction FICO 720+ Purchase Max 70% >2.5mm",null,"Housing History X LTV",null,"1x60x12  15% LTV reduction FICO 720+ Purchase Max 65% >2.5mm",null,null,null,null,null,"Max LTV 700-719",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$11, $B$7:$B$11, 0)),\n   DSCR!$S$12 = $A$7,\n   DSCR!$S$21 = $J$3,\n   DSCR!$S$20 = $G$5,\n   DSCR!$S$13 = $C$9\n), NA(), \"\")","v":""},"65% Purchase 1MM max"]
["Occupancy",null,null,null,null,"FICO X Loan Amt X LTV X Select X Cash",null,"700-719 FICO caps over 2.5 MM at 60% LTV Cash Out",null,null,null,"DSCR 5-8 RateTerm 700 2.0MM",{"$f":"IF(AND(OR(DSCR!$S$12='Feed(DSCR)'!$A$7),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$7:$G$12),OR(DSCR!$S$11='Feed(DSCR)'!$B$7:$B$11),OR(DSCR!$S$21='Feed(DSCR)'!$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >700 2.0MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",null,"680-699 FICO NA over 65% Cashout >2.5mm",null,"Housing History X LTV",null,"1x30x12  10% LTV reduction FICO 720+ Cashout Max 60% >2.5mm",null,"Housing History X LTV",null,"1x60x12  15% LTV reduction FICO 720+ Cashout Max 55% >2.5mm",null,null,null,null,null,"Max LTV 700-719",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$11, $B$7:$B$11, 0)),\n   DSCR!$S$12 = $A$7,\n   DSCR!$S$21 = $J$4,\n   DSCR!$S$20 = $G$5,\n   DSCR!$S$13 = $C$9\n), NA(), \"\")","v":""},"65% Refi R&T 1MM"]
[{"$f":"IF(AND(NonQM!U21='Feed(DSCR)'!J3,OR(NonQM!U11='Feed(DSCR)'!B10:B11),NonQM!U12='Feed(DSCR)'!C4),TRUE(),FALSE)","v":false},"80.01 - 90%/ A+/ Purch",null,null,null,"FICO X Loan Amt X LTV X Select X Cash",null,"720-739 FICO caps over 2 MM at 70% LTV Cash Out",null,null,null,"DSCR 5-8 RateTerm 680 2.0MM",{"$f":"IF(AND(OR(DSCR!$S$12='Feed(DSCR)'!$A$8),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$7),OR(DSCR!$S$11='Feed(DSCR)'!$B$7:$B$11),OR(DSCR!$S$21='Feed(DSCR)'!$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >680 2.0MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",null,"660-679 FICO NA over 60% Purchase >2.5mm",null,"Housing History X LTV",null,"1x30x12  10% LTV reduction FICO 700-719 Purchase Max 65% >2.5mm",null,"Housing History X LTV",null,"1x60x12  15% LTV reduction FICO 700-719 Purchase Max 60% >2.5mm",null,null,null,null,null,"Max LTV 700-719",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$11, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH(DSCR!$S$22, $J$6:$J$7, 0)),\n   DSCR!$S$12 = $A$7,\n   DSCR!$S$20 = $G$5,\n   DSCR!$S$13 = $C$9\n), NA(), \"\")","v":""},"60% Cashout 1MM"]
[{"$f":"IF(AND(NonQM!U11='Feed(DSCR)'!B10,NonQM!U12='Feed(DSCR)'!C4,OR(NonQM!U11='Feed(DSCR)'!A3:A6),NonQM!U21='Feed(DSCR)'!J3,NonQM!U23='Feed(DSCR)'!L3),TRUE,FALSE)","v":false},"80.01-85% / \"A\" Grade / 720 FICO / Purch / Primary",null,null,null,"FICO X Loan Amt X LTV X Select X Cash",null,"740+ FICO caps over 2.5 MM at 70% LTV Cash Out",null,null,null,"DSCR 5-8 any FICO",{"$f":"IF(AND(OR(DSCR!$S$12='Feed(DSCR)'!$A$3:$A$12),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$10:$G$12)),NA(),\"\")","v":""},"5-8 any FICO >3.0mm NA",null,null,"FICO X Loan Amt X LTV X CORE",null,"660-679 FICO NA over 55% Cashout >2.5mm",null,"Housing History X LTV",null,"1x30x12  10% LTV reduction FICO 700-719 Cashout Max 60% >2.5mm",null,"Housing History X LTV",null,"1x60x12  15% LTV reduction FICO 700-719 Cashout Max 55% >2.5mm",null,null,null,null,null,"Max LTV 720+",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(DSCR!$S$12, $A$3:$A$6, 0)),\n   DSCR!$S$21 = $J$3,\n   DSCR!$S$20 = $G$5,\n   DSCR!$S$13 = $C$9\n), NA(), \"\")","v":""},"70% Purchase 1MM"]
[{"$f":"OR(NonQM!U11='Feed(DSCR)'!B3:B9)","v":false},"<80% LTV's",null,null,null,"Purpose X LTV",null,"Rate/Term caps at 80% LTV",null,null,null,"DSCR 5-8 below 680",{"$f":"IF(AND(OR(DSCR!$S$12='Feed(DSCR)'!$A$9:$A$12),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$3:$G$12)),NA(),\"\")","v":""},"5-8 below 680 NA",null,null,"FICO X Loan Amt X LTV X CORE",null,"720+ FICO NA over 65% Cashout >3mm",null,"Housing History X LTV",null,"1x30x12  10% LTV reduction FICO 680-699 Purchase Max 60% >2.5mm",null,"Housing History X LTV",null,"1x60x12  15% LTV reduction FICO 680-699 Purchase Max 55.% >2.5mm",null,null,null,null,null,"Max LTV 720+",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(DSCR!$S$12, $A$3:$A$6, 0)),\n   DSCR!$S$21 = $J$4,\n   DSCR!$S$20 = $G$5,\n   DSCR!$S$13 = $C$9\n),NA(), \"\")","v":""},"65% R&T 1MM"]
[{"$f":"IF(AND(DSCR!S11='Feed(DSCR)'!B10,DSCR!S16='Feed(DSCR)'!D3,DSCR!S12='Feed(DSCR)'!C7,OR(DSCR!S12=A3:A6),OR(DSCR!S21='Feed(DSCR)'!J3:J4)),TRUE,FALSE)","v":false},"80.01-85% / 720+/ DSCR / >=1.00 Grade / Purch & Rate/term",null,null,null,"Additional Adjustments",null,"NA for Asset Utilization, 1099, and VOE",null,null,null,"DSCR 5-8 SELECT",{"$f":"IF(AND(OR(DSCR!$S$13='Feed(DSCR)'!$C$5),DSCR!$S$24='Feed(DSCR)'!$K$10),NA(),\"\")","v":""},"5-8 SELECT is NA",null,null,"FICO X Loan Amt X LTV X CORE",null,"680-719 FICO NA over 55% Cashout >3mm",null,"Housing History X LTV",null,"1x30x12  10% LTV reduction FICO 680-699 Cashout Max 55% >2.5mm",null,"Housing History X LTV",null,"1x60x12  15% LTV reduction FICO 680-699 Cashout Max 50% >2.5mm",null,null,null,null,null,"Max LTV 720+",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$11, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH(DSCR!$S$12, $A$3:$A$6, 0)),\n   ISNUMBER(MATCH(DSCR!$S$22, $J$6:$J$7, 0)),\n   DSCR!$S$20 = $G$5,\n   DSCR!$S$13 = $C$9\n), NA(), \"\")","v":""},"60% Cashout 1MM"]
[{"$f":"IF(AND(OR(NonQM!U21='Feed(DSCR)'!J3:J8),OR(NonQM!U11='Feed(DSCR)'!B10:B11),NonQM!U12='Feed(DSCR)'!C3),TRUE(),FALSE)","v":false},"80.01 - 90%/ Select",null,null,null,"DTI cap",null,"Preferred caps over 45% DTI",null,null,null,"DSCR 5-8 I/O",{"$f":"IF(AND(OR(DSCR!$S25=$M6:$M7,DSCR!$S25=$M8:$M10,DSCR!$S25=$M11:$M13),DSCR!$S$24='Feed(DSCR)'!$K$10),NA(),\"\")","v":""},"5-8 Only Allow 30 Yr Fixed I/O for I/O Option & No 40 Yr Options",null,null,"FICO X Loan Amt X LTV X CORE",null,"660-679 FICO NA over 50% Purchase >3mm",null,"Housing History X LTV",null,"1x30x12  10% LTV reduction FICO 660-679 Purchase Max 50% >2.5mm",null,"Housing History X LTV",null,"1x60x12  15% LTV reduction FICO 660-679 Purchase Max 45% >2.5mm\n\nHave it to NA so its manually priced",null,null,null,null,null,"Mtg lates",null,"Up to 0x30x12 allowed"]
[{"$f":"IF(AND(NonQM!U21='Feed(DSCR)'!J4,OR(NonQM!U11='Feed(DSCR)'!B10),NonQM!U12='Feed(DSCR)'!C4),TRUE(),FALSE)","v":false},"80.01 - 85%/ A+/ Rate and term",null,null,null,"Citizenship",null,"NA for ITIN, and Foreign National",null,null,null,"DSCR ITIN",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$11, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH(DSCR!$S$17, $D$3, 0)),\n   ISNUMBER(MATCH(DSCR!$S$19, $P$6, 0))\n), NA(), \"\")","v":""},"75% Max",null,null,"FICO X Loan Amt X LTV X CORE",null,"660-679 FICO NA over 50% Cashout >3mm",null,"Housing History X LTV",null,"1x30x12  10% LTV reduction FICO 660-679 Cashout Max 45% >2.5mm",null,"Housing History X LTV",null,"1x30x12  10% LTV reduction FICO 660-679 Cashout Max 45% >2.5mm",null,null,null,null,null,"Max LTV 700-719",null,"60% Purchase 1.5mm max"]
[{"$f":"IF(AND(OR(DSCR!S21='Feed(DSCR)'!J3:J4),OR(DSCR!S11='Feed(DSCR)'!B10),DSCR!S16='Feed(DSCR)'!D3),TRUE(),FALSE)","v":false},"80.01 - 85%/ DSCR",null,null,null,"P&L",null,"P&L Only NA on SELECT",null,null,null,"Sub 1 / No Ratio ITIN",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$11, $B$3:$B$11, 0)),\n   ISNUMBER(MATCH(DSCR!$S$13, $C$8:$C$9, 0)),\n   ISNUMBER(MATCH(DSCR!$S$19, $P$6, 0))\n), NA(), \"\")","v":""},"Not allowed",null,null,"FICO X Loan Amt X LTV X CORE",null,"740+ FICO NA over 60% Cashout >3.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$11, $B$3:$B$11, 0)),\n   ISNUMBER(MATCH(DSCR!$S$15, $D$16, 0)),\n   ISNUMBER(MATCH(DSCR!$S$20, $G$3:$G$12, 0)),\n   ISNUMBER(MATCH(DSCR!$S$13, $C$5:$C$8, 0)),\n   DSCR!$S$17 = $D$3\n), NA(), \"\")","v":""},"1x30x12  NA, has to be 1x30x12 DSCR",null,null,null,null,null,null,null,null,null,"Max LTV 700-719",null,"60% Refi R&T 1.5mm max"]
[null,null,null,null,null,null,null,null,null,null,null,"SELECT DSCR ITIN",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$11, $B$3:$B$11, 0)),\n   ISNUMBER(MATCH(DSCR!$S$13, $C$5, 0)),\n   ISNUMBER(MATCH(DSCR!$S$19, $P$6, 0))\n), NA(), \"\")","v":""},"Not allowed",null,null,"FICO X Loan Amt X LTV X CORE",null,"720-739 FICO NA over 55% Cashout >3.5mm",null,"Housing History X LTV",{"$f":"IF(AND(ISNUMBER(MATCH(DSCR!$S$11,$B$3:$B$11,0)),ISNUMBER(MATCH(DSCR!$S$15,$D$18,0)),ISNUMBER(MATCH(DSCR!$S$20,$G$3:$G$12,0)),\n   ISNUMBER(MATCH(DSCR!$S$13,$C$5:$C$8,0)),DSCR!$S$17=$D$3),NA(),\"\")","v":""},"1x60x12 NA for DSCR",null,null,null,null,null,null,null,null,null,"Max LTV 700-719",null,"55% Cashout 1.5MM Max"]
[null,null,null,null,null,null,null,null,null,null,null,"DSCR Cashout",null,"NA if Cashout and chosen NO",null,null,"ITIN X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$19, $P$6, 0)),\n   ISNUMBER(MATCH(DSCR!$S$11, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH(DSCR!$S$21, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(DSCR!$S$20, $G$5, 0)),\n), NA(), \"\")","v":""},"65% LTV MAX C/O for ITIN",null,null,null,null,null,null,null,null,null,null,null,null,null,"Max LTV 720+",null,"65% Purchase 1.5MM max"]
[null,null,null,null,null,null,null,null,null,null,null,"DSCR STR",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$12, $A$3:$A$12, 0)),\n   ISNUMBER(MATCH(DSCR!$S$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(DSCR!$S$21, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(DSCR!$S$20, $G$5:$G$6, 0)),\n   ISNUMBER(MATCH(DSCR!$S$13 = $C$6:$C$7, 0)),\n   DSCR!$S$18 = $E$9\n), NA(), \"\")","v":""},"MAX LTV 70% for Cashout",null,null,"ITIN X CORE",null,"$1mm max LA for ITIN >80% LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,"Max LTV 720+",null,"65% R&T 1.5MM max"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ITIN X CORE",null,"0x30x12 only for ITIN anything else NA",null,null,null,null,null,null,null,null,null,null,null,null,null,"Max LTV 720+",null,"55% Cashout 1.5MM max"]
[null,"Base Rate / Base Price",null,null,null,null,null,null,"Base Rate / Base Price",null,null,null,null,null,null,null,"ITIN X CORE"]
[null,"Coupon","Full Doc","Alt Doc","DSCR","DSCR 5-8 Units","Total LLPA",null,"Coupon","Full Doc","Alt Doc","DSCR","DSCR 5-8",0,null,null,"ITIN X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$13, $C$6:$C$7, 0)),\n   ISNUMBER(MATCH(DSCR!$S$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(DSCR!$S$21, $J$6:$J$7, 0)),\n   ISNUMBER(MATCH(DSCR!$S$20, $G$5, 0)),\n   DSCR!$S$19 = $P$6\n), NA(), \"\")","v":""}]
[null,{"$f":"DSCR!B11","v":5.875},null,null,{"$f":"DSCR!C11","v":97.138000000000062},{"$f":"DSCR!D11","v":{"$error":"#N/A"}},{"$f":"SUM(DSCR!T12:T35)+B67","v":{"$error":"#N/A"}},1,{"$f":"B82","v":5.875},null,null,{"$f":"E82+$G$82","v":{"$error":"#N/A"}},{"$error":"#N/A"},{"$f":"I82:I124","v":5.875},null,null,"DSCR STR",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$12, $A$3:$A$12, 0)),\n   ISNUMBER(MATCH(DSCR!$S$11, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH(DSCR!$S$21, $J$5, 0)),\n   ISNUMBER(MATCH(DSCR!$S$21, $J$7, 0)),\n   ISNUMBER(MATCH(DSCR!$S$20, $G$5:$G$6, 0)),\n   ISNUMBER(MATCH(DSCR!$S$13 = $C$6:$C$7, 0)),\n   DSCR!$S$18 = $E$9\n), NA(), \"\")","v":""},"MAX LTV 70% for Cashout"]
[null,{"$f":"DSCR!B12","v":5.9989999999999997},null,null,{"$f":"DSCR!C12","v":97.888000000000062},{"$f":"DSCR!D12","v":{"$error":"#N/A"}},".",2,5.9989999999999997,null,null,{"$error":"#N/A"},{"$error":"#N/A"},5.9989999999999997]
[null,{"$f":"DSCR!B13","v":6.125},null,null,{"$f":"DSCR!C13","v":98.51250000000006},{"$f":"DSCR!D13","v":{"$error":"#N/A"}},"Total Price",3,6.125,null,null,{"$error":"#N/A"},{"$error":"#N/A"},6.125,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Misc Disqual"]
[null,{"$f":"DSCR!B14","v":6.25},null,null,{"$f":"DSCR!C14","v":98.95000000000006},{"$f":"DSCR!D14","v":{"$error":"#N/A"}},{"$f":"DSCR!T40","v":{"$error":"#N/A"}},4,6.25,null,null,{"$f":"E85+$G$82","v":{"$error":"#N/A"}},{"$f":"F85+$G$82","v":{"$error":"#N/A"}},6.25,null,null,null,null,null,null,null,null,null,null,"CORE 1x30x6",null,null,null,null,null,null,null,"FICO <680 Cashout",{"$f":"IF(AND(ISNUMBER(MATCH(DSCR!$S$12, $A$9:$A$12, 0)),DSCR!$S$21 = $J$5), NA(), \"\")","v":""},"Will N/A if Cashout <680 is not chosen"]
[null,{"$f":"DSCR!B15","v":6.375},null,null,{"$f":"DSCR!C15","v":99.325500000000062},{"$f":"DSCR!D15","v":{"$error":"#N/A"}},null,5,6.375,null,null,{"$f":"E86+$G$82","v":{"$error":"#N/A"}},{"$f":"F86+$G$82","v":{"$error":"#N/A"}},6.375,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 700+ purchase capped 80%",null,"Housing History X LTV",null,"1x30x6  15% LTV reduction FICO 700+ purchase capped 75%",null,null,null,null,null,"FICO <680 R/T",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$12, $A$9:$A$12, 0)),\n   DSCR!$S$21 = $J$4), NA(), \"\")","v":""},"Will N/A if R/T <680 is not chosen"]
[null,{"$f":"DSCR!B16","v":6.4989999999999997},null,null,{"$f":"DSCR!C16","v":99.825500000000062},{"$f":"DSCR!D16","v":{"$error":"#N/A"}},null,6,6.4989999999999997,null,null,{"$error":"#N/A"},{"$error":"#N/A"},6.4989999999999997,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 680+ purchase capped 75%",null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 680+ Purchase capped 75%",null,null,null,null,null,"FICO >680 R/T",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$12, $A$3:$A$8, 0)),\n   DSCR!$S$21 = $J$6), NA(), \"\")","v":""},"Will N/A if R/T <680 is chosen"]
[null,{"$f":"DSCR!B17","v":6.625},null,null,{"$f":"DSCR!C17","v":100.29350000000007},{"$f":"DSCR!D17","v":{"$error":"#N/A"}},null,7,6.625,null,null,{"$error":"#N/A"},{"$error":"#N/A"},6.625,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 600+ Purchase capped 70%",null,null,null,null,null,"FICO >680 Cashout",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$12, $A$3:$A$8, 0)),\n   DSCR!$S$21 = $J$7), NA(), \"\")","v":""},"Will N/A if Cashout <680 is chosen"]
[null,{"$f":"DSCR!B18","v":6.75},null,null,{"$f":"DSCR!C18","v":100.73150000000005},{"$f":"DSCR!D18","v":{"$error":"#N/A"}},{"$f":"DSCR!S17","v":"Choose a Selection"},8,6.75,null,null,{"$error":"#N/A"},{"$error":"#N/A"},6.75,null,null,null,null,null,null,"Housing History X LTV",null,"1x30x6  15% LTV reduction FICO 700+ purchase capped 75%",null,"Housing History X LTV",null,"1x30x12  10% LTV reduction FICO 700+ purchase capped 80% >$2.5",null,null,null,null,null,"Reserves Min for FUSION",{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$14, $C$15:$C$16, 0)),\n   DSCR!$S$13 = $C$10), NA(), \"\")","v":""},"Min 6 Months Reserves"]
[null,{"$f":"DSCR!B19","v":6.875},null,null,{"$f":"DSCR!C19","v":101.15350000000007},{"$f":"DSCR!D19","v":{"$error":"#N/A"}},{"$f":"IF(DSCR!S24=\"DSCR 5-8\", \"DSCR 5-8\", \"\")","v":""},9,6.875,null,null,{"$error":"#N/A"},{"$error":"#N/A"},6.875,null,null,null,null,null,null,"Housing History X LTV",null,"1x30x6  15% LTV reduction FICO 680+ purchase capped 70%",null,"Housing History X LTV",null,"1x30x12  10% LTV reduction FICO 680+ purchase capped 75% >$2.5"]
[null,{"$f":"DSCR!B20","v":6.9989999999999997},null,null,{"$f":"DSCR!C20","v":101.55950000000006},{"$f":"DSCR!D20","v":96.875},{"$f":"IF(DSCR!S24=\"DSCR 5-8\", \"DSCR 5-8\", \"\")","v":""},10,6.9989999999999997,null,null,{"$error":"#N/A"},{"$error":"#N/A"},6.9989999999999997,null,null,null,null,null,null,"Housing History X LTV",null,"1x30x6  15% LTV reduction FICO 680+ purchase capped 65%",null,"Housing History X LTV",null,"1x30x12  10% LTV reduction FICO 600+ purchase capped 70% >$2.5"]
[null,{"$f":"DSCR!B21","v":7.125},null,null,{"$f":"DSCR!C21","v":101.93450000000006},{"$f":"DSCR!D21","v":97.25},null,11,7.125,null,null,{"$error":"#N/A"},{"$error":"#N/A"},7.125,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 700+ & 680+ R&T capped 80%"]
[null,{"$f":"DSCR!B22","v":7.25},null,null,{"$f":"DSCR!C22","v":102.30950000000006},{"$f":"DSCR!D22","v":97.75},null,12,7.25,null,null,{"$error":"#N/A"},{"$error":"#N/A"},7.25,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 600+ Purchase capped 75%"]
[null,{"$f":"DSCR!B23","v":7.375},null,null,{"$f":"DSCR!C23","v":102.68450000000006},{"$f":"DSCR!D23","v":98.125},{"$f":"SUM(DSCR!T12:T35)+B67","v":{"$error":"#N/A"}},13,7.375,null,null,{"$error":"#N/A"},{"$error":"#N/A"},7.375,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 600+ cashout capped 70%",null,null,null,null,null,"5-8 Unit Cont"]
[null,{"$f":"DSCR!B24","v":7.4989999999999997},null,null,{"$f":"DSCR!C24","v":103.02850000000007},{"$f":"DSCR!D24","v":98.75},null,14,7.4989999999999997,null,null,{"$error":"#N/A"},{"$error":"#N/A"},7.4989999999999997,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x30x12  5% LTV reduction FICO 600+ cashout capped 65% >$1mm",null,null,null,null,null,"DSCR 5-8 Purchase 720 2.5MM",{"$f":"IF(AND(OR(DSCR!$S$12=$A$3:$A$6),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$8:$G$12),OR(DSCR!$S$11=$B$7:$B$11),OR(DSCR!$S$21='Feed(DSCR)'!$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >720 2.5MM 65 LTV"]
[null,{"$f":"DSCR!B25","v":7.625},null,null,{"$f":"DSCR!C25","v":103.34050000000006},{"$f":"DSCR!D25","v":99.25},null,15,7.625,null,null,{"$error":"#N/A"},{"$error":"#N/A"},7.625,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 600+ purchase capped 70%",null,null,null,null,null,"DSCR 5-8 Purchase 700 2.5MM",{"$f":"IF(AND(OR(DSCR!$S$12=$A$7),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$8:$G$12),OR(DSCR!$S$11='Feed(DSCR)'!$B$7:$B$11),OR(DSCR!$S$21=$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >700 2.5MM 65 LTV"]
[null,{"$f":"DSCR!B26","v":7.75},null,null,{"$f":"DSCR!C26","v":103.62150000000005},{"$f":"DSCR!D26","v":99.5},null,16,7.75,null,null,{"$error":"#N/A"},{"$error":"#N/A"},7.75,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  5% LTV reduction FICO 600-679 Cashout capped 65%",null,null,null,null,null,"DSCR 5-8 Purchase 680 2.5MM",{"$f":"IF(AND(OR(DSCR!$S$12=$A$8),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$8:$G$12),OR(DSCR!$S$11=$B$3:$B$11),OR(DSCR!$S$21=$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >680 2.5MM N/A"]
[null,{"$f":"DSCR!B27","v":7.875},null,null,{"$f":"DSCR!C27","v":103.90350000000007},{"$f":"DSCR!D27","v":99.75},null,17,7.875,null,null,{"$error":"#N/A"},{"$error":"#N/A"},7.875,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x30x6 15% LTV reduction FICO 700+ CASHOUT Max 65%",null,null,null,null,null,"DSCR 5-8 RateTerm 720 2.5MM",{"$f":"IF(AND(OR(DSCR!$S$12=$A$3:$A$6),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$8:$G$12),OR(DSCR!$S$11=$B$6:$B$11),OR(DSCR!$S$21='Feed(DSCR)'!$J$3)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >720 2.5MM 60 LTV"]
[null,{"$f":"DSCR!B28","v":7.9989999999999997},null,null,{"$f":"DSCR!C28","v":104.18450000000006},{"$f":"DSCR!D28","v":100.25},null,18,7.9989999999999997,null,null,{"$error":"#N/A"},{"$error":"#N/A"},7.9989999999999997,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 700+ CASHOUT Max 70% >1mm",null,null,null,null,null,"DSCR 5-8 RateTerm 700 2.5MM",{"$f":"IF(AND(OR(DSCR!$S$12=$A$7),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$8:$G$12),OR(DSCR!$S$11=$B$6:$B$11),OR(DSCR!$S$21=$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >700 2.5MM 60 LTV"]
[null,{"$f":"DSCR!B29","v":8.125},null,null,{"$f":"DSCR!C29","v":104.46550000000006},{"$f":"DSCR!D29","v":100.5},null,19,8.125,null,null,{"$error":"#N/A"},{"$error":"#N/A"},8.125,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 640-679 CASHOUT Max 65% >1mm",null,null,null,null,null,"DSCR 5-8 RateTerm 680 2.5MM",{"$f":"IF(AND(OR(DSCR!$S$12=$A$8),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$8:$G$12),OR(DSCR!$S$11=$B$3:$B$11),OR(DSCR!$S$21=$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >680 2.5MM N/A"]
[null,{"$f":"DSCR!B30","v":8.25},null,null,{"$f":"DSCR!C30","v":104.74650000000005},{"$f":"DSCR!D30","v":100.75},null,20,8.25,null,null,{"$error":"#N/A"},{"$error":"#N/A"},8.25,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  5% LTV reduction FICO 600-639 Purchase Max 65% >1mm",null,null,null,null,null,"DSCR 5-8 CashOut 720 2.5MM",{"$f":"IF(AND(OR(DSCR!$S$12=$A$3:$A$6),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$8:$G$12),OR(DSCR!$S$11=$B$6:$B$11),OR(DSCR!$S$21=$J$5)),NA(),\"\")","v":""},"DSCR 5-8 CashOut >720 2.5MM 60 LTV"]
[null,{"$f":"DSCR!B31","v":8.375},null,null,{"$f":"DSCR!C31","v":105.02850000000007},{"$f":"DSCR!D31","v":101},null,21,8.375,null,null,{"$error":"#N/A"},{"$error":"#N/A"},8.375,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 740+ Purchase Max 75% >1.5mm",null,null,null,null,null,"DSCR 5-8 CashOut 700 2.5MM",{"$f":"IF(AND(OR(DSCR!$S$12=$A$7),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$8:$G$12),OR(DSCR!$S$11=$B$6:$B$11),OR(DSCR!$S$21=$J$5)),NA(),\"\")","v":""},"DSCR 5-8 CashOut >700 2.5MM 60 LTV"]
[null,{"$f":"DSCR!B32","v":8.4990000000000006},null,null,{"$f":"DSCR!C32","v":105.30950000000006},{"$f":"DSCR!D32","v":101.375},null,22,8.4990000000000006,null,null,{"$error":"#N/A"},{"$error":"#N/A"},8.4990000000000006,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 740+ Cashout Max 70% >1.5mm",null,null,null,null,null,"DSCR 5-8 CashOut 680 2.5MM",{"$f":"IF(AND(OR(DSCR!$S$12=$A$8),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$8:$G$12),OR(DSCR!$S$11=$B$3:$B$11),OR(DSCR!$S$21=$J$5)),NA(),\"\")","v":""},"DSCR 5-8 CashOut >680 2.5MM N/A"]
[null,{"$f":"DSCR!B33","v":8.625},null,null,{"$f":"DSCR!C33","v":105.55950000000006},{"$f":"DSCR!D33","v":101.75},null,23,8.625,null,null,{"$error":"#N/A"},{"$error":"#N/A"},8.625,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12 10% LTV reduction FICO 720-739 Purchase Max 75% >1.5mm",null,null,null,null,null,"DSCR 5-8 Purchase 720 3.0MM",{"$f":"IF(AND(OR(DSCR!$S$12=$A$3:$A$6),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$9:$G$12),OR(DSCR!$S$11=$B$6:$B$11),OR(DSCR!$S$21=$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >720 3.0MM 60 LTV"]
[null,{"$f":"DSCR!B34","v":8.75},null,null,{"$f":"DSCR!C34","v":105.80950000000006},{"$f":"DSCR!D34","v":102},null,24,8.75,null,null,{"$error":"#N/A"},{"$error":"#N/A"},8.75,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 720-739 Cashout Max 70% >1.5mm",null,null,null,null,null,"DSCR 5-8 Purchase 700 3.0MM",{"$f":"IF(AND(OR(DSCR!$S$12=$A$7),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$9:$G$12),OR(DSCR!$S$11=$B$6:$B$11),OR(DSCR!$S$21=$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >700 3.0MM 60 LTV"]
[null,{"$f":"DSCR!B35","v":8.875},null,null,{"$f":"DSCR!C35","v":106.05950000000006},{"$f":"DSCR!D35","v":102.375},null,25,8.875,null,null,{"$error":"#N/A"},{"$error":"#N/A"},8.875,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 700-719 Purchase Max 75% >1.5mm",null,null,null,null,null,"DSCR 5-8 Purchase 680 3.0MM",{"$f":"IF(AND(OR(DSCR!$S$12=$A$8),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$7:$G$12),OR(DSCR!$S$11=$B$3:$B$11),OR(DSCR!$S$21=$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >680 3.0MM N/A"]
[null,{"$f":"DSCR!B36","v":8.9990000000000006},null,null,{"$f":"DSCR!C36","v":106.30950000000006},{"$f":"DSCR!D36","v":102.5},null,26,8.9990000000000006,null,null,{"$error":"#N/A"},{"$error":"#N/A"},8.9990000000000006,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 700-719 Cashout Max 70% >1.5mm",null,null,null,null,null,"DSCR 5-8 RateTerm 720 3.0MM",{"$f":"IF(AND(OR(DSCR!$S$12='Feed(DSCR)'!$A$3:$A$6),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$9:$G$12),OR(DSCR!$S$11=$B$5:$B$11),OR(DSCR!$S$21=$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >720 3.0MM 55 LTV"]
[null,{"$f":"DSCR!B37","v":9.125},null,null,{"$f":"DSCR!C37","v":106.55950000000006},{"$f":"DSCR!D37","v":102.875},null,27,9.125,null,null,{"$error":"#N/A"},{"$error":"#N/A"},9.125,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x600x12  10% LTV reduction FICO 680-699 Purchase Max 70% >1.5mm",null,null,null,null,null,"DSCR 5-8 RateTerm 700 3.0MM",{"$f":"IF(AND(OR(DSCR!$S$12=$A$7),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$8:$G$12),OR(DSCR!$S$11=$B$5:$B$11),OR(DSCR!$S$21=$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >700 3.0MM 55 LTV"]
[null,{"$f":"DSCR!B38","v":9.25},null,null,{"$f":"DSCR!C38","v":106.68450000000006},{"$f":"DSCR!D38","v":103.125},null,28,9.25,null,null,{"$error":"#N/A"},{"$error":"#N/A"},9.25,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 680-699 Cashout Max 65% >1.5mm",null,null,null,null,null,"DSCR 5-8 RateTerm 680 3.0MM",{"$f":"IF(AND(OR(DSCR!$S$12=$A$8),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$9:$G$12),OR(DSCR!$S$11=$B$3:$B$11),OR(DSCR!$S$21=$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >680 3.0MM N/A"]
[null,{"$f":"DSCR!B39","v":9.375},null,null,{"$f":"DSCR!C39","v":106.80950000000006},{"$f":"DSCR!D39","v":103.5},null,29,9.375,null,null,{"$error":"#N/A"},{"$error":"#N/A"},9.375,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 640-679 Purchase Max 65% >1.5mm",null,null,null,null,null,"DSCR 5-8 CashOut 720 3.0MM",{"$f":"IF(AND(OR(DSCR!$S$12='Feed(DSCR)'!$A$3:$A$6),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$9:$G$12),OR(DSCR!$S$11=$B$3:$B$11),OR(DSCR!$S$21=$J$5)),NA(),\"\")","v":""},"DSCR 5-8 CashOut >720 3.0MM N/A"]
[null,{"$f":"DSCR!B40","v":9.4990000000000006},null,null,{"$f":"DSCR!C40","v":106.93450000000006},{"$f":"DSCR!D40","v":103.875},null,30,9.4990000000000006,null,null,{"$error":"#N/A"},{"$error":"#N/A"},9.4990000000000006,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12 10% LTV reduction FICO 640-679 Cashout Max 60% >1.5mm",null,null,null,null,null,"DSCR 5-8 CashOut 700 3.0MM",{"$f":"IF(AND(OR(DSCR!$S$12=$A$7),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$9:$G$12),OR(DSCR!$S$11=$B$3:$B$11),OR(DSCR!$S$21=$J$5)),NA(),\"\")","v":""},"DSCR 5-8 CashOut >700 3.0MM N/A"]
[null,{"$f":"DSCR!B41","v":9.625},null,null,{"$f":"DSCR!C41","v":107.05950000000006},{"$f":"DSCR!D41","v":104.125},null,31,9.625,null,null,{"$error":"#N/A"},{"$error":"#N/A"},9.625,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12 10% LTV reduction FICO 700+ Purchase Max 70% >2mm",null,null,null,null,null,"DSCR 5-8 CashOut 680 3.0MM",{"$f":"IF(AND(OR(DSCR!$S$12=$A$8),DSCR!$S$24='Feed(DSCR)'!$K$10,OR(DSCR!$S$20=$G$9:$G$12),OR(DSCR!$S$11=$B$3:$B$11),OR(DSCR!$S$21=$J$5)),NA(),\"\")","v":""},"DSCR 5-8 CashOut >680 3.0MM 65 N/A"]
[null,{"$f":"DSCR!B42","v":9.75},null,null,{"$f":"DSCR!C42","v":107.18450000000006},{"$f":"DSCR!D42","v":104.375},null,32,9.75,null,null,{"$error":"#N/A"},{"$error":"#N/A"},9.75,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 700+ Cashout Max 65% >2mm"]
[null,{"$f":"DSCR!B43","v":9.875},null,null,{"$f":"DSCR!C43","v":107.30950000000006},{"$f":"DSCR!D43","v":104.625},null,33,9.875,null,null,{"$error":"#N/A"},{"$error":"#N/A"},9.875,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  10% LTV reduction FICO 680-699 Purchase Max 65% >2mm"]
[null,{"$f":"DSCR!B44","v":9.9990000000000006},null,null,{"$f":"DSCR!C44","v":107.43450000000006},{"$f":"DSCR!D44","v":104.875},null,34,9.9990000000000006,null,null,{"$error":"#N/A"},{"$error":"#N/A"},9.9990000000000006,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12 10% LTV reduction FICO 680-699 Cashout Max 60% >2mm"]
[null,{"$f":"DSCR!B45","v":10.125},null,null,{"$f":"DSCR!C45","v":107.55950000000006},{"$f":"DSCR!D45","v":105.125},null,35,10.125,null,null,{"$error":"#N/A"},{"$error":"#N/A"},10.125,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  15% LTV reduction FICO 720+ Purchase Max 65% >2.5mm"]
[null,{"$f":"DSCR!B46","v":10.25},null,null,{"$f":"DSCR!C46","v":107.68450000000006},{"$f":"DSCR!D46","v":105.375},null,36,10.25,null,null,{"$error":"#N/A"},{"$error":"#N/A"},10.25,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  15% LTV reduction FICO 720+ Cashout Max 55% >2.5mm"]
[null,{"$f":"DSCR!B47","v":10.375},null,null,{"$f":"DSCR!C47","v":107.80950000000006},{"$f":"DSCR!D47","v":105.625},null,37,10.375,null,null,{"$error":"#N/A"},{"$error":"#N/A"},10.375,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  15% LTV reduction FICO 700-719 Purchase Max 60% >2.5mm"]
[null,{"$f":"DSCR!B48","v":10.499000000000001},null,null,{"$f":"DSCR!C48","v":107.93450000000006},{"$f":"DSCR!D48","v":105.875},null,38,10.499000000000001,null,null,{"$error":"#N/A"},{"$error":"#N/A"},10.499000000000001,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  15% LTV reduction FICO 700-719 Cashout Max 55% >2.5mm"]
[null,{"$f":"DSCR!B49","v":10.625},null,null,{"$f":"DSCR!C49","v":108.05950000000006},{"$f":"DSCR!D49","v":106.125},null,39,10.625,null,null,{"$error":"#N/A"},{"$error":"#N/A"},10.625,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  15% LTV reduction FICO 680-699 Purchase Max 55.% >2.5mm"]
[null,{"$f":"DSCR!B50","v":10.75},null,null,{"$f":"DSCR!C50","v":108.18450000000006},{"$f":"DSCR!D50","v":106.375},null,40,10.75,null,null,{"$error":"#N/A"},{"$error":"#N/A"},10.75,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  15% LTV reduction FICO 680-699 Cashout Max 50% >2.5mm"]
[null,null,null,null,null,null,null,41,0,null,null,{"$error":"#N/A"},{"$error":"#N/A"},0,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x60x12  15% LTV reduction FICO 660-679 Purchase Max 45% >2.5mm\n\nHave it to NA so its manually priced"]
[null,null,null,null,null,null,null,42,0,null,null,{"$error":"#N/A"},{"$error":"#N/A"},0,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",null,"1x30x12  10% LTV reduction FICO 660-679 Cashout Max 45% >2.5mm"]
[null,null,null,null,null,null,null,43,0,null,null,{"$error":"#N/A"},{"$error":"#N/A"},0,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(\n   ISNUMBER(MATCH(DSCR!$S$15, $D$18:$D$19, 0)),\n   ISNUMBER(MATCH(DSCR!$S$13, $C$5:$C$8))), NA(), \"\")","v":""}]
[null,null,null,null,null,null,null,44]
[null,null,null,null,null,null,"Adjust these ranges for when adjusting base rates ------>",null,null,null,null,{"$f":"IF(IFERROR(INDEX(OFFSET(L82:L121,0,-3),MATCH(TRUE,($L$82:$L$121)>=IF(E147>100,100,E147),0)),MAX(I82:I121))<E152,INDEX(H82:H121,MATCH(E152,I82:I121,0)),IFERROR(INDEX(OFFSET(L82:L121,0,-4),MATCH(TRUE,($L$82:$L$121)>=IF(E147>100,100,E147),0)),INDEX(OFFSET($L$82:$L$121,0,-4),MATCH(MAX($L$82:$L$121),$L$82:$L$121,0))))","v":{"$error":"#N/A"}},{"$f":"IF(IFERROR(INDEX(OFFSET(M82:M121,0,-4),MATCH(TRUE,($M$82:$M$121)>=IF(E147>100,100,E147),0)),MAX(I82:I121))<E152,INDEX(H82:H121,MATCH(E152,I82:I121,0)),IFERROR(INDEX(OFFSET(M82:M121,0,-5),MATCH(TRUE,($M$82:$M$121)>=IF(E147>100,100,E147),0)),INDEX(OFFSET($M$82:$M$121,0,-5),MATCH(MAX($M$82:$M$121),$M$82:$M$121,0))))","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,null,"Par Rates",null,null,{"$f":"VLOOKUP(L126,H82:L125,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(M126,H82:M124,2,FALSE)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(DSCR!S24='Feed(DSCR)'!M81,0,IF(G89=L81,L127,0))","v":0},{"$f":"IF(AND(G89=L81,DSCR!S24='Feed(DSCR)'!M81),M127,0)","v":0}]
[null,{"$f":"DSCR!Q55","v":"Max Price"},null,null,"Rules",null,null,null,null,null,null,{"$f":"VLOOKUP(L126,H82:L125,5,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(M126,H82:M125,6,FALSE)","v":{"$error":"#N/A"}}]
[null,{"$f":"NonQM!S56","v":"Owner/2nd Home"},null,null,null,null,null,null,null,null,null,{"$f":"IF(DSCR!S24='Feed(DSCR)'!M81,0,IF(G89=L81,L129,0))","v":0},{"$f":"IF(AND(G89=L81,DSCR!S24='Feed(DSCR)'!M81),M129,0)","v":0},{"$f":"SUM(J128:M128)","v":0}]
[null,{"$f":"NonQM!S57","v":">$2,500,000"},null,{"$f":"DSCR!R57","v":101}]
[null,{"$f":"NonQM!S58","v":"80.01-90.00% LTV"},null,{"$f":"DSCR!R58","v":101},{"$f":"IF(OR(DSCR!S11=B10:B11),D132,\"\")","v":""},null,null,null,null,null,null,null,null,{"$f":"SUM(J130:M130)","v":0}]
["DSCR",{"$f":"DSCR!Q59","v":"ITIN/Foreign National"},null,{"$f":"DSCR!R59","v":101},{"$f":"IF(OR(DSCR!S19=P6:P7),D133,\"\")","v":""}]
[null,{"$f":"NonQM!S60","v":"Subord Financing"},null,{"$f":"DSCR!R60","v":100},{"$f":"IF(OR(DSCR!S32=S4),D134,\"\")","v":""},null,null,null,"Near Par Rate (Borrower Paid)",null,{"$f":"IF(L134=\"\",\"\",N130)","v":0},{"$f":"IF(N132>E147,E147,N132)","v":0}]
[null,{"$f":"DSCR!Q61","v":"No PPP"},null,{"$f":"DSCR!R61","v":100},{"$f":"IF(AND(ISNUMBER(MATCH(DSCR!S23, L5:L6, 0)),OR(ISNUMBER(MATCH(DSCR!S27, H3:H4, 0)),)), D135, \"\")","v":""}]
["DSCR",{"$f":"DSCR!Q62","v":"12 Months PPP"},null,{"$f":"DSCR!R62","v":101.5},{"$f":"IF(AND(ISNUMBER(MATCH(DSCR!S23, L5:L6, 0)),OR(ISNUMBER(MATCH(DSCR!S27, H5, 0)),ISNUMBER(MATCH(DSCR!S27, H10, 0)))), D136, \"\")","v":""}]
["Full/Alt",{"$f":"DSCR!Q63","v":"24 Months PPP"},null,{"$f":"DSCR!R63","v":102},{"$f":"IF(AND(ISNUMBER(MATCH(DSCR!S23,L5:L6,0)),OR(ISNUMBER(MATCH(DSCR!S27,H6,0)),ISNUMBER(MATCH(DSCR!S27,H11,0)))),D137,\"\")","v":""}]
["DSCR",{"$f":"DSCR!Q56","v":"36-60 Months PPP"},null,{"$f":"DSCR!R56","v":102.5},{"$f":"IF(AND(ISNUMBER(MATCH(DSCR!S23, L5:L6, 0)),OR(ISNUMBER(MATCH(DSCR!S27, H7:H9, 0)),ISNUMBER(MATCH(DSCR!S27, H12:H14, 0)))), D138, \"\")","v":""}]
["Full/Alt"]
["DSCR",{"$f":"DSCR!Q57","v":">$2,500,000"},null,{"$f":"DSCR!R57","v":101},{"$f":"IF(OR(DSCR!S20=G9:G12),D140,\"\")","v":""}]
[null,{"$f":"DSCR!Q65","v":"DSCR 5-8 Units"},null,{"$f":"DSCR!R65","v":100},{"$f":"IF(OR(DSCR!S24=K10),D141,\"\")","v":""}]
["DSCR",{"$f":"DSCR!Q64","v":"NJ Title Vested in LLC"},null,{"$f":"DSCR!R64","v":100},{"$f":"IF(OR(DSCR!S28=J15),D142,\"\")","v":""}]
[null,{"$f":"DSCR!Q67","v":0},null,{"$f":"DSCR!R67","v":0},{"$f":"IF(AND(DSCR!S29=T16,OR(DSCR!S23=L6),DSCR!S27=H3),D143,\"\")","v":""}]
[]
[]
[]
[null,null,null,"Final price  →",{"$f":"IF(E146<>\"\",E146,IF(E144<>\"\",E144,MIN(E130:E143)))","v":0}]
[]
[null,"Min Rate",null,null,"Rules"]
[null,{"$f":"DSCR!Q69","v":">$2,500,000"},null,{"$f":"DSCR!R69","v":6.625},{"$f":"IF(OR(DSCR!S20=G9:G12),D150,\"\")","v":""}]
[null,{"$f":"DSCR!Q70","v":"ITIN/Foreign National"},null,{"$f":"DSCR!R70","v":7.125},{"$f":"IF(OR(DSCR!S19=P6:P7),D151,\"\")","v":""}]
[null,null,null,"Final price  →",{"$f":"MIN(E150:E151)","v":0}]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"State Tier Adjustment"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Choose a Selection","State Tier Adjustment"]
[null,"FICO/LTV",null,"<=50","50.01-55","55.01-60","60.01-65","65.01-70","70.01-75","75.01-80","80.01-85","85.01-90",null,null,"Full Alt",null,null,null,null,"Tier 1 States","Tier 1 States","AZ, CA, CO, CT, GA, HI, MA, MD, NJ, NV, OR, SC, UT, VA, WA",0]
[null,"Occupancy/Property/Units",null,null,null,null,null,null,null,null,null,null,null,"Choose a Selection",null,null,null,null,null,"Tier 2 States","Tier 2 States","DC, FL, ID, IL, IN, LA, MI, MN, MO, NC, OH, OK, PA, RI, TN, TX",0.15]
[null,"Primary",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"},null,"15YR Fixed",null,null,null,null,null,"Tier 3 States","Tier 3 States","AK, AL, AR, DE, IA, KS, KY, ME, MS, MT, ND, NE, NH, NM, SD, VT WI, WV, WY",0.25]
[null,"Non-Owner (Alt Doc/DSCR)",null,-0.25,-0.375,-0.375,-0.625,-0.625,-0.625,-0.625,-0.875,{"$error":"#N/A"},null,"30YR Fixed"]
[null,"2nd Home",null,-0.25,-0.25,-0.25,-0.5,-0.5,-0.5,-0.5,-0.5,{"$error":"#N/A"},null,"30YR IO Fixed"]
[null,"Condo",null,0,0,0,0,0,0,0,{"$error":"#N/A"},{"$error":"#N/A"},null,"40YR IO Fixed"]
[null,"NW Condo",null,-1,-1,-1,-1,-1.25,-1.5,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"40YR Fixed"]
[null,"2 Units",null,0,0,0,0,0,0,0,{"$error":"#N/A"},{"$error":"#N/A"},null,"5/6 30YR ARM"]
[null,"3-4 Units",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,{"$error":"#N/A"},{"$error":"#N/A"},null,"5/6 30YR IO ARM"]
[null,"PUD",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"},null,"5/6 40YR ARM"]
[null,"SFR",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"},null,"7/6 30YR ARM"]
[null,"DSCR 5-8",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"},null,"7/6 30YR IO ARM"]
[null,"Other",null,null,null,null,null,null,null,null,null,null,null,"7/6 40YR ARM","DSCR"]
[null,"30YR IO Fixed",null,-0.375,-0.375,-0.375,-0.375,-0.5,-0.5,-0.5,{"$error":"#N/A"},{"$error":"#N/A"},null,"DTI ≤45% - All Doc Types","Loan Term","Property Type","DTI ","Citizenship Type"]
[null,"40YR IO Fixed",null,{"$f":"DSCR!H65+D180","v":-1},{"$f":"DSCR!I65+E180","v":-1},{"$f":"DSCR!J65+F180","v":-1},{"$f":"DSCR!K65+G180","v":-1},{"$f":"DSCR!L65+H180","v":-1.25},{"$f":"DSCR!M65+I180","v":-1.25},{"$f":"DSCR!N65+J180","v":-1.25},{"$f":"DSCR!O65+K180","v":{"$error":"#N/A"}},{"$error":"#N/A"},null,"DTI >45% - All Doc Types",{"$f":"IF(OR($O$176=\"\", $O$177=\"\", $O$177=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$217,\n         MATCH($O$177,$B$163:$B$217,0),\n         MATCH($O$176,$D$161:$L$161,0)))","v":0},{"$f":"IF(OR($P$176=\"\", $P$177=\"\", $P$177=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$217,\n         MATCH($P$177,$B$163:$B$217,0),\n         MATCH($P$176,$D$161:$L$161,0)))","v":0},{"$f":"IF(OR($Q$176=\"\", $Q$177=\"\",$Q$177=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$217,\n         MATCH($Q$177,$B$163:$B$217,0),\n         MATCH($Q$176,$D$161:$L$161,0)))","v":{"$error":"#N/A"}},{"$f":"IF(OR($R$176=\"\", $R$177=\"\",$R$177=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$217,\n         MATCH($R$177,$B$163:$B$217,0),\n         MATCH($R$176,$D$161:$L$161,0)))","v":0}]
[null,"5/6 30YR IO ARM",null,{"$f":"DSCR!H65","v":-0.5},{"$f":"DSCR!I65","v":-0.5},{"$f":"DSCR!J65","v":-0.5},{"$f":"DSCR!K65","v":-0.5},{"$f":"DSCR!L65","v":-0.75},{"$f":"DSCR!M65","v":-0.75},{"$f":"DSCR!N65","v":-0.75},{"$f":"DSCR!O65","v":{"$error":"#N/A"}},{"$f":"DSCR!P65","v":0},null,"DTI ≥50% - All Doc Types",{"$f":"DSCR!$S$11","v":"Choose a Selection"},{"$f":"DSCR!$S$11","v":"Choose a Selection"},{"$f":"DSCR!$S$11","v":"Choose a Selection"},{"$f":"DSCR!$S$11","v":"Choose a Selection"}]
[null,"7/6 30YR IO ARM",null,{"$f":"DSCR!H65","v":-0.5},{"$f":"DSCR!I65","v":-0.5},{"$f":"DSCR!J65","v":-0.5},{"$f":"DSCR!K65","v":-0.5},{"$f":"DSCR!L65","v":-0.75},{"$f":"DSCR!M65","v":-0.75},{"$f":"DSCR!N65","v":-0.75},{"$f":"DSCR!O65","v":{"$error":"#N/A"}},{"$f":"DSCR!P65","v":0},null,"Escrow Not Waived",{"$f":"DSCR!$S$25","v":"Choose a Selection"},{"$f":"DSCR!$S$24","v":"Choose a Selection"},{"$f":"DSCR!S32","v":"No"},{"$f":"DSCR!$S$19","v":"Choose a Selection"}]
[null,"15YR Fixed",null,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,{"$error":"#N/A"},null,"Escrow Waived"]
[null,"30YR Fixed",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"},null,"ITIN","Reserves","Occupancy","Escrow","Lock Period"]
[null,"40YR Fixed",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,{"$error":"#N/A"},null,"Foreign Nat' With Fico",{"$f":"IF(OR($O$181=\"\", $O$182=\"\", $O$182=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$217,\n         MATCH($O$182,$B$163:$B$217,0),\n         MATCH($O$181,$D$161:$L$161,0)))","v":0},{"$f":"IF(OR($P$181=\"\", $P$182=\"\", $P$182=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$217,\n         MATCH($P$182,$B$163:$B$217,0),\n         MATCH($P$181,$D$161:$L$161,0)))","v":0},{"$f":"IF(OR($Q$181=\"\", $Q$182=\"\", $Q$182=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$217,\n         MATCH($Q$182,$B$163:$B$217,0),\n         MATCH($Q$181,$D$161:$L$161,0)))","v":0},{"$f":"IF(OR($R$181=\"\", $R$182=\"\", $R$182=\"Choose a Selection\"),0,\n   INDEX($D$163:$L$217,\n         MATCH($R$182,$B$163:$B$217,0),\n         MATCH($R$181,$D$161:$L$161,0)))","v":0}]
[null,"5/6 30YR ARM",null,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,{"$error":"#N/A"},null,"Permanent Resident",{"$f":"DSCR!$S$11","v":"Choose a Selection"},{"$f":"DSCR!$S$11","v":"Choose a Selection"},{"$f":"DSCR!$S$11","v":"Choose a Selection"},{"$f":"DSCR!$S$11","v":"Choose a Selection"}]
[null,"5/6 40YR ARM",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,{"$error":"#N/A"},null,"Non Perm Resident",{"$f":"DSCR!S14","v":"Choose a Selection"},{"$f":"DSCR!$S$23","v":"Choose a Selection"},{"$f":"DSCR!$S$26","v":"Choose a Selection"},{"$f":"DSCR!$S$30","v":"Choose a Selection"}]
[null,"7/6 30YR ARM",null,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,{"$error":"#N/A"},null,"SFR"]
[null,"7/6 40YR ARM",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,{"$error":"#N/A"},null,"2 Units","State DSCR"]
[null,"Escrow Waived",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.5,{"$error":"#N/A"},null,"3-4 Units",{"$f":"IF(OR($O$186=\"\", $O$187=\"\", $O$187=\"Choose a Selection\"),0,INDEX($D$163:$L$217,MATCH($O$187,$B$163:$B$217,0),MATCH($O$186,$D$161:$L$161,0)))","v":0}]
[null,"Escrow Not Waived",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"},null,"Condo",{"$f":"DSCR!$S$11","v":"Choose a Selection"}]
[null,"DTI ≤45% - All Doc Types",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"},null,"FL Condo",{"$f":"DSCR!S29","v":"Choose a Selection"}]
[null,"DTI >45% - All Doc Types",null,0,0,-0.125,-0.25,-0.25,-0.25,-0.25,-0.5,{"$error":"#N/A"},null,"NW Condo"]
[null,"DTI ≥50% - All Doc Types",null,-0.25,-0.25,-0.25,-0.375,-0.5,-0.625,-1,{"$error":"#N/A"},{"$error":"#N/A"},null,"PUD"]
[null,"US Citizen",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"},null,"DSCR 5-8 Units"]
[null,"ITIN",null,-1.5,-1.5,-1.5,-1.5,-1.5,-2,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"}]
[null,"Foreign Nat' With Fico",null,-1.5,-1.5,-1.5,-1.5,-1.5,-1.75,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"}]
[null,"Permanent Resident",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"}]
[null,"Non Perm Resident",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"}]
[null,"Subordinate Financing",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,{"$error":"#N/A"}]
[null,"< 3 Months",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"}]
[null,"≥ 3 Months",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"}]
[null,"≥ 6 Months",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"}]
[null,"≥ 12 Months",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"}]
[null,"All Other States",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"}]
[null,"Alaska",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"}]
[null,"California",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"}]
[null,"Maryland",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"}]
[null,"Minnesota",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"}]
[null,"New Mexico",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"}]
[null,"New Hampshire",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"}]
[null,"Delaware",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"}]
[null,"Georgia",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,{"$error":"#N/A"}]
[null,"Illinois",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,{"$error":"#N/A"}]
[null,"Kansas",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,{"$error":"#N/A"}]
[null,"New Jersey",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,{"$error":"#N/A"}]
[null,"Baltimore City, MD",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"}]
[null,"North Carolina",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,{"$error":"#N/A"}]
[null,"Ohio",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,{"$error":"#N/A"}]
[null,"30 Day",null,0,0,0,0,0,0,0,0,{"$error":"#N/A"}]
[null,"45 Day",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,{"$error":"#N/A"}]
[null,"60 Day",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,{"$error":"#N/A"}]

{"sheet":"Prepay Matrix (OLD)","index":5,"n_rows":35,"n_cols":8,"rows_kept":35,"cut":false,"hidden":true,"merged":[[14,5,14,6],[25,5,27,6],[28,5,28,6],[1,5,3,6],[8,5,9,6],[4,5,5,6],[6,5,7,6],[10,5,12,6],[15,5,19,6],[20,5,24,6],[1,11,1,12],[5,11,7,12],[8,11,8,12],[9,11,9,12],[5,7,7,8],[8,7,8,8],[9,7,9,8],[2,11,3,12],[4,11,4,12],[1,7,1,8],[2,7,3,8],[4,7,4,8],[25,0,25,3],[34,0,34,3],[21,0,21,3],[22,0,22,1],[22,2,22,3],[23,0,23,1],[23,2,23,3],[19,0,19,1],[19,2,19,3],[20,0,20,1],[20,2,20,3],[24,0,24,1],[24,2,24,3],[16,0,16,1],[16,2,16,3],[17,0,17,1],[17,2,17,3],[18,0,18,1],[18,2,18,3],[13,0,13,1],[13,2,13,3],[14,0,14,1],[14,2,14,3],[15,0,15,1],[15,2,15,3],[10,0,10,1],[10,2,10,3],[11,0,11,1],[11,2,11,3],[12,0,12,1],[12,2,12,3],[7,0,7,1],[7,2,7,3],[8,0,8,1],[8,2,8,3],[9,0,9,1],[9,2,9,3],[4,0,4,1],[4,2,4,3],[5,0,5,1],[5,2,5,3],[6,0,6,1],[6,2,6,3],[1,0,1,3],[2,0,2,1],[2,2,2,3],[3,0,3,1],[3,2,3,3]]}
[]
["Standard Prepayment Penalties Allowed",null,null,null,null,"NonQM LPC Scenarios\nBase Price - LLPAs - Adjustments for Max Price = Net Price \nNet Price - LPC = Final Price with LPC",null,"YSP (Yield Spread Premium)"]
["Arizona",null,"Missouri",null,null,null,null,"Extra money that a Lender CAN pay to the Mortgage Broker / Originator or Borrower"]
["Alabama",null,"Montana"]
["Arkansas",null,"Nebraska",null,null,"1. Scenario with Max Price of 102, LPC Comp of 2.750\nAfter LPC Max Price would be 99.250 (102.000 - 2.750)",null,"LPC (Lender Paid Compensation)"]
["California",null,"Nevada",null,null,null,null,"Broker Compensation Comp Plan that was selected when signing Broker Package IE: 2.750 No Min No Max, that’s paid by the Lender"]
["Colorado",null,"North Carolina",null,null,"2. Scenario with Max Price of 102, LPC Comp of 2.000\nAfter LPC Max Price would be 100.000 (102.000 - 2.000)"]
["Connecticut",null,"North Dakota"]
["District of Columbia",null,"Oklahoma",null,null,"3. Scenario with Max Price of 100.000, LPC Comp of 1.000 \nAfter LPC Max Price would be 99.000 (100.000 - 1.000)",null,"BPC (Borrower Paid Compensation)"]
["Florida",null,"Oregon",null,null,null,null,"Broker Compensation Paid directly by the Borrower"]
["Georgia",null,"South Carolina",null,null,"4. Scenario with Max Price of 102, LPC Comp of 1.000 \nAfter LPC Max Price would be 101.000 (102.000 - 1.000) \nLender Credit of 1.000 would be paid to the Borrower"]
["Hawaii",null,"South Dakota"]
["Idaho",null,"Tennessee"]
["Indiana",null,"Texas"]
["Iowa",null,"Utah",null,null,"Business Purpose LPC + YSP Scenarios"]
["Kansas",null,"Vermont",null,null,"1. Business Purpose Sceario with Max Price of 102.000, LPC Comp of 1.500 \nBroker Requested YSP to Broker of 1.000 (Max YSP Available 2.000 due to Max Price of 102.000) \nAfter Broker YSP Max Price of 101.000 (102.000 - 1.000) \nAfter LPC Max Price of 99.500 (101.000 - 1.500)"]
["Kentucky",null,"Virginia"]
["Louisiana",null,"Washington"]
["Maine",null,"West Virginia"]
["Massachusetts",null,"Wisconsin"]
["Mississippi",null,"Wyoming",null,null,"2. Business Purpose Scenario with Max Price of 102.000, LPC Comp of 2.500\nBroker Requested YSP to Broker of 2.000 (Max YSP Available 2.000 due to Max Price of 102.000)\nAfter Broker YSP Max Price 100.000 (102.000 - 2.000)\nAfter LPC Max Price of 97.500 (100.000 - 2.500)"]
["No Prepayment Penalties Allowed"]
["Alaska  -\nExpress prohibition on PP provisions for business purpose loans or maximum PP charge is so low there’s no market for them",null,"New Hampshire"]
["Delaware",null,"New Mexico"]
["Minnesota"]
["States with “Restricted” Prepayment Penalties",null,null,null,null,"3. Business Purpose Scenario with Max Price of 100.000, LPC Comp of 1.000 \nIn this Scenario NO YSP available (Max YSP Available 0.000 due to Max Price of 100.000)\nAfter Broker YSP Max Price 100.000 (100.000 - 0.000)\nAfter LPC Max Price of 99.000 (100.000 - 1.000)"]
["States","PPP Allowed When:","PPP Structures","No PPP Allowed When:"]
["*Illinois / Cook County","All of IL: If closed in the name of an individual and rate  < 8% APR, or is a Business Purpose Loan & closed in a  Corporation, or LLC.  **if in Cook County must also be\n>$250k","Normal Rates","If closed in the name of an individual and Rate is = > 8% APR, **if in Cook County < $250K"]
["Maryland","Maximum of 3 years","2 months advance interest on the aggregate amount of all prepayments made in a 12-month period which exceed 1/3 of the amount of the loan","Never",null,"4. Business Purpose Scenario with Max Price of 102.000, LPC Comp of 1.500\nBroker Requested YSP to Broker of 0.000 (Max YSP Available 2.000 due to Max Price of 102.000)\nAfter Broker YSP Max Price 102.000 (102.000 - 0.000)\nAfter LPC Max Price of 100.500 (102.000 - 1.500)\nLeftover YSP or Lender Credit of 0.500 will now be paid to the borrower"]
["Michigan","Maximum of 3 years","1% of balance prepaid","Never"]
["New Jersey","Closed in name of Corp (Inc.) *does NOT include LLC","Normal Rates","Closed in name of individual or LLC"]
["Ohio","> = $112,957; 5 year max","1% of original principal amount","< $112,957"]
["Pennsylvania",">$312,159 and 1-2 Unit, or any 3-4 Unit, including 5-\n8 Units","Normal Rates","<=$312,159 and 1-2 Unit"]
["Rhode Island","Maximum of 1 year","2% of balance prepaid","Never"]
["ComplAppr 7/2025"]

{"sheet":"NonQM (BC)","index":6,"n_rows":233,"n_cols":22,"rows_kept":233,"cut":false,"hidden":true,"merged":[[4,12,4,13],[4,14,4,15],[5,1,6,2],[5,5,6,15],[5,18,6,21],[8,1,8,2],[8,5,8,15],[0,13,0,15],[0,17,0,18],[1,13,1,15],[1,17,1,18],[2,13,2,15],[2,17,2,18],[12,5,12,6],[12,18,12,19],[13,5,13,6],[13,18,13,19],[14,5,14,6],[14,18,14,19],[9,5,9,6],[9,18,9,19],[10,5,10,6],[10,18,10,19],[11,5,11,6],[11,18,11,19],[18,5,18,6],[18,18,18,19],[19,5,19,6],[19,18,19,19],[20,5,20,15],[20,18,20,19],[15,5,15,6],[15,18,15,19],[16,5,16,6],[16,18,16,19],[17,5,17,6],[17,18,17,19],[24,5,24,15],[24,18,24,19],[25,5,25,6],[25,18,25,19],[26,5,26,6],[26,18,26,19],[21,5,21,15],[21,18,21,19],[22,5,22,6],[22,18,22,19],[23,5,23,6],[23,18,23,19],[30,5,30,15],[30,18,30,19],[31,5,31,6],[31,18,31,19],[32,5,32,6],[32,18,32,19],[27,5,27,6],[27,18,27,19],[28,5,28,6],[28,18,28,19],[29,5,29,6],[29,18,29,19],[36,5,36,15],[36,18,36,20],[37,5,37,6],[37,18,37,20],[38,5,38,6],[38,18,38,20],[33,5,33,6],[33,18,33,19],[34,5,34,6],[34,18,34,19],[35,5,35,6],[35,18,35,20],[46,5,46,6],[46,18,49,21],[47,5,47,15],[48,5,48,6],[49,5,49,6],[50,5,50,6],[50,18,50,21],[39,5,39,6],[39,18,39,20],[40,5,40,6],[41,5,41,6],[42,5,42,6],[43,5,43,6],[44,5,44,6],[45,5,45,6],[40,18,40,21],[41,18,45,21],[54,5,54,6],[54,18,54,19],[55,5,55,6],[56,5,56,6],[57,1,57,2],[57,5,57,6],[51,5,51,6],[51,18,51,21],[52,5,52,6],[52,18,52,21],[53,5,53,15],[53,18,53,21],[65,5,65,6],[65,18,65,19],[66,5,66,15],[66,18,66,19],[67,5,67,6],[67,18,67,19],[58,1,69,2],[58,5,58,6],[59,5,59,6],[60,5,60,6],[60,18,60,19],[61,5,61,6],[62,5,62,6],[62,18,62,19],[63,5,63,6],[64,5,64,6],[71,1,71,2],[71,5,71,6],[71,18,71,19],[72,1,72,2],[72,5,72,6],[72,18,72,19],[68,5,68,6],[68,18,68,19],[69,5,69,6],[69,18,69,19],[70,1,70,2],[70,5,70,6],[70,18,70,19],[79,5,79,6],[80,5,80,15],[81,5,81,6],[82,5,82,6],[83,5,83,6],[84,5,84,6],[73,1,78,2],[73,5,73,6],[73,18,73,19],[74,5,74,15],[74,18,74,19],[75,5,75,6],[76,5,76,6],[77,5,77,6],[78,5,78,6]]}
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Brokers Choice Mortgage"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"19000 MacArthur Blvd, Suite 200"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Irvine, CA 92612"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Effective Date:",null,"2025-07-31"]
[null,"Base Price",null,null,null,"NonQM Brokers Choice",null,null,null,null,null,null,null,null,null,null,null,null,"NonQM Price Calculator"]
[]
[]
[null,"30 Day Lock",null,null,null,"Loan Level Pricing Adjustments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inputs"]
[null,"Rate","Price",null,null,"FICO/LTV",null,"<=50","50.01-55","55.01-60","60.01-65","65.01-70","70.01-75","75.01-80","80.01-85","85.01-90",null,null," Interest Rate →",null,"Choose a Selection"]
[null,6.25,98.688000000000002,null,null,"780+",0,0.625,0.5,0.5,0.5,0.375,0.125,-0.125,-1.75,-3.25,null,null,"LTV Range",null,"Choose a Selection"]
[null,6.375,99.188000000000002,null,null,"760-779",0,0.5,0.5,0.5,0.375,0.25,0,-0.375,-2,-3.5,null,null,"FICO Range",null,"Choose a Selection",{"$f":"IF(ISNUMBER(MATCH($U$11,'Feed(WS)'!$B$3:$B$11,0)),\n   INDEX($H$11:$P$20,MATCH($U$12,$F$11:$F$20,0),MATCH($U$11,$H$10:$P$10,0)))","v":false}]
[null,6.4989999999999997,99.625,null,null,"740-759",0,0.5,0.375,0.375,0.25,0,-0.375,-0.5,-2.25,-3.75,null,null,"Program",null,"Core",{"$f":"IF(OR($U$11=\"\", $U$13=\"\"), \"\",\n   INDEX($H$23:$P$24,\n         MATCH($U$13,$F$23:$F$24,0),\n         MATCH($U$11,$H$10:$P$10,0)))","v":{"$error":"#N/A"}}]
[null,6.625,100.023,null,null,"720-739",0,0.375,0.25,0.25,0,-0.375,-0.5,-1,-2.75,-4.25,null,null,"Reserves",null,"Choose a Selection",{"$f":"'Feed(WS)'!$O$168","v":0}]
[null,6.75,100.414,null,null,"700-719",0,0.25,0,0,-0.375,-0.5,-1,-1.5,-3.5,-5,null,null,"Payment History",null,"0x30x12",{"$f":"IF(OR($U$11=\"\", $U$15=\"\"), \"\",\n   INDEX($H$76:$P$80,\n         MATCH($U$15,$F$76:$F$80,0),\n         MATCH($U$11,$H$10:$P$10,0)))","v":{"$error":"#N/A"}}]
[null,6.875,100.797,null,null,"680-699",0,0,-0.375,-0.375,-0.5,-1,-1.5,-2.5,-4.5,"NA",null,null,"Credit Events",null,"NONE",{"$f":"IF(OR($U$11=\"\", $U$16=\"\", $U$16=\"NONE\"),0,\n   INDEX($H$82:$P$85,\n         MATCH($U$16,$F$82:$F$85,0),\n         MATCH($U$11,$H$10:$P$10,0)))","v":0}]
[null,6.9989999999999997,101.172,null,null,"660-679",0,-0.5,-0.5,-0.5,-1,-1.5,-2.25,-3.25,"NA","NA",null,null,"Doc Type",null,"Choose a Selection",0]
[null,7.125,101.539,null,null,"640-659",0,-1,-1.25,-1.25,-1.75,-2.25,-3.25,-4.25,"NA","NA",null,null,"Additional Adjs",null,"Choose a Selection",{"$f":"IF(OR($U$11=\"\", $U$18=\"\", $U$18=\"None in this Dropdown\"),0,\n   INDEX($H$26:$P$30,\n         MATCH($U$18,$F$26:$F$30,0),\n         MATCH($U$11,$H$10:$P$10,0)))","v":{"$error":"#N/A"}}]
[null,7.25,101.898,null,null,"620-639",0,-1.75,-2,-2,-2.5,-3,-4.25,-5.25,"NA","NA",null,null,"Citizenships",null,"Choose a Selection",{"$f":"'Feed(WS)'!$R$163","v":0}]
[null,7.375,102.25,null,null,"600-619",0,-2.5,-2.75,-2.75,-3.25,-3.75,-5.25,-6.25,"NA","NA",null,null,"DTI",null,"Choose a Selection",{"$f":"'Feed(WS)'!$Q$163","v":0}]
[null,7.4989999999999997,102.593,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Loan Balance",null,"Choose a Selection",{"$f":"IF(OR($U$11=\"\", $U$21=\"\"), \"\",\n   INDEX($H$38:$P$47,\n         MATCH($U$21,$F$38:$F$47,0),\n         MATCH($U$11,$H$10:$P$10,0)))","v":{"$error":"#N/A"}}]
[null,7.625,102.93,null,null,"Program",null,null,null,null,null,null,null,null,null,null,null,null,"Purpose",null,"Choose a Selection",{"$f":"IF(OR($U$11=\"\", $U$22=\"\"), \"\",\n   INDEX($H$32:$P$36,\n         MATCH($U$22,$F$32:$F$36,0),\n         MATCH($U$11,$H$10:$P$10,0)))","v":{"$error":"#N/A"}}]
[null,7.75,103.258,null,null,"SELECT",null,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,"NA",null,null,"Occupancy",null,"Choose a Selection",{"$f":"'Feed(WS)'!$P$168","v":0}]
[null,7.875,103.578125,null,null,"Core",null,0,0,0,0,0,0,0,0,0,null,null,"Property Type",null,"Choose a Selection",{"$f":"'Feed(WS)'!$P$163","v":0}]
[null,7.9989999999999997,103.859375,null,null,"Income Doc Types",null,null,null,null,null,null,null,null,null,null,null,null,"Loan Term",null,"30YR Fixed",{"$f":"'Feed(WS)'!$O$163","v":0}]
[null,8.125,104.109375,null,null,"VOE w/ Bank Statement",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,null,null,"Escrow",null,"Escrow Not Waived",{"$f":"'Feed(WS)'!$Q$168","v":0}]
[null,8.25,104.359375,null,null,"1099 w/ Bank Statement",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.5,null,null,"Prepayment Penalty",null,"Choose a Selection",{"$f":"IF($U$11=\"\", \"\",\n   IF($U$27=\"Choose a Selection\",0,\n      INDEX($H$55:$P$66,\n           MATCH($U$27,$F$55:$F$66,0),\n           MATCH($U$11,$H$10:$P$10,0))))","v":0}]
[null,8.375,104.609375,null,null,"Asset Utilization",null,-0.125,-0.25,-0.25,-0.25,-0.375,-0.5,-1,"NA","NA",null,null,"NJ - Title Vesting",null,null,0]
[null,8.4990000000000006,104.859375,null,null,"P&L w/ Bank Statement",null,-0.125,-0.25,-0.25,-0.25,-0.25,-0.25,-0.375,-0.375,-0.375,null,null,"State",null,"Choose a Selection",0]
[null,8.625,105.109375,null,null,"P&L Only",null,-0.75,-0.75,-0.75,-0.75,-0.75,-0.75,-0.75,"NA","NA",null,null,"Lock Term",null,"30 Day",{"$f":"'Feed(WS)'!$R$168","v":0}]
[null,8.75,105.296875,null,null,"Purpose",null,null,null,null,null,null,null,null,null,null,null,null,"Buydown",null,"No",{"$f":"IF(OR(\n      AND(OR($U$31='Feed(WS)'!$R$4:$R$5), $U$22<>'Feed(WS)'!$J$3),\n      AND(OR($U$31='Feed(WS)'!$R$4:$R$5), $U$25<>'Feed(WS)'!$M$4),\n      AND(OR($U$31='Feed(WS)'!$R$4:$R$5), $U$23<>'Feed(WS)'!$L$3:$L$4),\n   ),\n   NA(),\n   0)","v":0}]
[null,8.875,105.484375,null,null,"Purchase",null,0,0,0,0,0,0,0,0,0,null,null,"Subordinate Financing",null,"No",{"$f":"IF($U$11=\"\",\"\",\n   IF($U$32=\"\",\"\",\n      IF(OR($U$32=\"No\",$U$32=\"Choose a Selection\"),0,\n         INDEX($H$68:$P$74,\n              MATCH(IF($U$32=\"Yes\",$S$32,$U$32),$F$68:$F$74,0),\n              MATCH($U$11,$H$10:$P$10,0)))))","v":0}]
[null,8.9990000000000006,105.671875,null,null,"Rate Term Refi",null,0,0,0,0,-0.25,-0.25,-0.25,-0.25,"NA",null,null,"",null,{"$f":"IF(ISNA(V33),\"Yes\",IF(V33=0,\"No\",\"\"))","v":"No"},{"$f":"'Feed(WS)'!$B$67","v":0}]
[null,9.125,105.859375,null,null,"Cash Out Refi",null,0,-0.125,-0.125,-0.125,-0.25,-0.5,-0.75,"NA","NA",null,null,"",null,"Not Applicable",0]
[null,9.25,106.046875,null,null,"Rate Term Refi FICO < 680",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.5,-0.5,"NA","NA",null,null,"Special ",null,{"$f":"IF(V36=0,'Feed(WS)'!Y4,'Feed(WS)'!Y5)","v":{"$error":"#N/A"}},{"$f":"'Feed(WS)'!$Z$1","v":false}]
[null,9.375,106.234375,null,null,"Cash Out Refi FICO < 680",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.75,"NA","NA","NA",null,null,"  Total LLPA",null,null,{"$f":"SUM($V$12:$V$35)","v":{"$error":"#N/A"}}]
[null,9.4990000000000006,106.421875,null,null,"Loan Amount",null,null,null,null,null,null,null,null,null,null,null,null,"  Gross Rate Sheet Price (Prior to LLPAs)",null,null,{"$f":"_xlfn.XLOOKUP($U$10, $B$10:$B$50, $C$10:$C$50, \"#N/A\")","v":"#N/A"}]
[null,9.625,106.609375,null,null,"<$150,000",null,-0.5,-0.625,-0.625,-0.75,-0.75,-0.875,-1,-1.5,-1.5,null,null,"  Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)",null,null,{"$f":"IFERROR(IF(AND($U$10<>'Feed(WS)'!$K$134,$V$39=$T$64),NA(),$V$37+$V$36),\"#N/A\")","v":"#N/A"}]
[null,9.75,106.796875,null,null,"$150,001-$250,000",null,0,0,0,0,0,0,0,-0.25,-0.5,null,null,"  Max YSP",null,null,{"$f":"IF(OR('Feed(WS)'!$E$147=0, ISERROR('Feed(WS)'!$E$147)), NA(), 'Feed(WS)'!$E$147)","v":{"$error":"#N/A"}}]
[null,9.875,106.921875,null,null,"$250,001-$1,000,000",null,0,0,0,0,0,0,0,0,0,null,null,"Final Price  →",null,null,{"$f":"IF(OR($V$36=\"#NA\",$V$37=\"#NA\"),NA(),IF(AND($U$9<>'Feed(WS)'!$K$134,$V$39=$T$64),NA(),IF($V$38>$V$39,$V$39,$V$38)))","v":{"$error":"#N/A"}}]
[null,9.9990000000000006,107.046875,null,null,">$1,000,000",null,0.375,0.375,0.25,0.25,0.25,0.25,0.25,0,0,null,null,{"$f":"IF(OR($U$11:$U$25=\"Choose a Selection\"),\"\",CONCATENATE('Feed(WS)'!$I$134,\" \",'Feed(WS)'!$K$134,\"%\"&\" @ \"&'Feed(WS)'!$L$134))","v":""}]
[null,10.125,107.171875,null,null,">$1,500,000",null,0,0,0,0,0,0,0,0,0,null,null,"Borrower Paid Comp Only\n*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only\n*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit"]
[null,10.25,107.296875,null,null,">$2,000,000",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,"NA"]
[null,10.375,107.421875,null,null,">$2,500,000",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,"NA","NA"]
[null,10.499000000000001,107.546875,null,null,">$3,000,000",null,-1,-1,-1,-1,-1,-1,-1,"NA","NA"]
[null,10.625,107.671875,null,null,">$3,500,000",null,-2,-2,-2,-2,-2,"NA","NA","NA","NA"]
[null,10.75,107.796875,null,null,">$4,000,000",null,-3,-3,-3,-3,"NA","NA","NA","NA","NA",null,null,"Calculator does not verify eligibility.\nPlease use in conjunction with product matrix."]
[null,10.875,107.921875,null,null,"Occupancy/Property/Units"]
[null,10.999000000000001,108.046875,null,null,"NOO",null,-0.375,-0.5,-0.5,-0.75,-0.75,-0.75,-0.75,-1,"NA"]
[null,11.125,108.171875,null,null,"2nd Home",null,-0.25,-0.25,-0.25,-0.5,-0.5,-0.5,-0.5,-0.5,"NA"]
[null,null,null,null,null,"NW Condo",null,-1,-1,-1,-1,-1.25,-1.5,"NA","NA","NA"]
[null,null,null,null,null,"2 Units",null,0,0,0,0,0,0,0,0,"NA"]
[null,null,null,null,null,"3-4 Units",null,-0.125,-0.125,-0.125,-0.25,-0.25,-0.25,-0.25,"NA","NA"]
[null,null,null,null,null,"Prepayment Penalty"]
[null,"Lock Term","LLPA",null,null,"No PPP-States not allowed",null,-1,-1,-1,-1,-1,-1,-1,-1,"NA",null,null,"Max Price",null,"Terms","Caps"]
[null,"45 Day",-0.25,null,null,"No PPP-States that allow",null,-2,-2,-2,-2,-2,-2,-2,-2,"NA",null,null,"Owner/2nd Home",102,"5/6 ARM","2/1/5"]
[null,"60 Day",-0.5,null,null,"12 Months PPP*",null,-1,-1,-1,-1,-1,-1,-1,-1,"NA",null,null,">$2,500,000",101,"7/6 ARM","5/1/5"]
[null,"Extension Cost",null,null,null,"24 Months PPP*",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,"NA",null,null,"80.01-90.00% LTV",101,"Floor","Margin"]
[null," See Below Extension Cost\n\nAll Rates @ 2 bps / day Extension Cost\n\nCurrent lock extension costs/policies apply to all active locks, regardless of lock date\n\nAll 45 day locks are at a 25bp cost and are eligible for up to 15 days of extensions at cost \nAll 60 day locks are at a 50bp cost and are not eligible for Lock Extensions",null,null,null,"36 Months PPP*",null,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,"NA",null,null,"ITIN/Foreign National",101,"Index","6 Month SOFR"]
[null,null,null,null,null,"48 Months PPP*",null,0.375,0.375,0.375,0.375,0.375,0.375,0.375,0.375,"NA",null,null,"Subord Financing",100,"Reset","6 Month"]
[null,null,null,null,null,"60 Months PPP*",null,0.625,0.625,0.625,0.625,0.625,0.625,0.625,0.625,"NA",null,null,"Floor Price",null,"Margin",4]
[null,null,null,null,null,"12 Months PPP (5% Fixed)**",null,-1,-1,-1,-1,-1,-1,-1,-1,"NA",null,null,"NC Floor Price",99.75,"Terms","LLPA"]
[null,null,null,null,null,"24 Months PPP  (5% Fixed)**",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,"NA",null,null,"Min Rate",null,"15YR Fixed",0.25]
[null,null,null,null,null,"36 Months PPP  (5% Fixed)**",null,0.375,0.375,0.375,0.375,0.375,0.375,0.375,0.375,"NA",null,null,">$2,500,000",6.75,"30YR Fixed",0]
[null,null,null,null,null,"48 Months PPP  (5% Fixed)**",null,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,"NA",null,null,"ITIN/Foreign National",7.4989999999999997,"40YR Fixed",-0.5]
[null,null,null,null,null,"60 Months PPP  (5% Fixed)**",null,0.875,0.875,0.875,0.875,0.875,0.875,0.875,0.875,"NA",null,null,"Full Doc Includes",null,"5/6 30YR ARM",0]
[null,null,null,null,null,"Other",null,null,null,null,null,null,null,null,null,null,null,null,"Tax Returns",null,"5/6 40YR ARM",-0.5]
[null,null,null,null,null,"Interest Only 30Yr FIX",null,-0.25,-0.25,-0.25,-0.375,-0.5,-0.5,-0.5,"NA","NA",null,null,"1099 Only",null,"7/6 30YR ARM",0]
[null,null,null,null,null,"Interest Only 40Yr or ARM (30&40Yr)",null,-0.25,-0.25,-0.5,-0.5,-0.75,-0.75,-0.75,-1.25,"NA",null,null,"Asset Utilization Only",null,"7/6 40YR ARM",-0.5]
[null,null,null,null,null,"Escrow Waived",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.5,-0.5,-0.5,null,null,"Asset Utilization W/ Full Doc"]
[null,"Allowable Fees",null,null,null,"DTI > 45%",null,0,0,-0.25,-0.25,-0.25,-0.25,-0.25,-0.5,"NA",null,null,"VOE"]
[null,"Click Here",null,null,null,"ITIN",null,-1.5,-1.5,-1.5,-1.5,-1.5,-2,-2.25,-2.25,"NA",null,null,"Alt Doc Column Includes"]
[null,"PPP Requirements",null,null,null,"Foreign Nat' With Fico",null,-1.5,-1.5,-1.5,-1.5,-1.5,-1.75,"NA","NA","NA",null,null,"12 Bank Statements"]
[null,"PPP Required on NOO>80% LTV   \n* 6 Months interest on 80% of the Principal Balance *\n** 5% Fixed PPP option is 5% penalty on Original Balance for the duration of the Pre-Pay Term **",null,null,null,"Subordinate Financing",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,null,null,"12 or 24 CPA P&L"]
[null,null,null,null,null,"Payment History",null,null,null,null,null,null,null,null,null,null,null,null,"Asset Utlization W/ Bank Stmt"]
[null,null,null,null,null,"0x30x12",null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,"1x30x12",null,-1.25,-1.25,-1.25,-1.25,-1.25,-1.25,-1.5,-2,"NA"]
[null,null,null,null,null,"1x60x12",null,-1.75,-1.75,-1.75,-1.75,-1.75,-2,-2,"NA","NA"]
[null,null,null,null,null,"1x30x6",null,-1.5,-1.75,-1.75,-1.75,-1.75,-2,-2,"NA","NA"]
[null,null,null,null,null,"0x30x24",null,0,0,0,0,0,0,0,0,0]
[null,null,null,null,null,"Credit Events"]
[null,null,null,null,null,"12 Months",null,-1.5,-1.5,-2,-2,-2,-2,"NA","NA","NA"]
[null,null,null,null,null,"24 Months",null,-1,-1,-1,-1.25,-1.25,-1.25,-1.5,"NA","NA"]
[null,null,null,null,null,"36 Months",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.5,-0.5,-0.5,-0.5]
[null,null,null,null,null,"48 Months",null,0,0,0,0,0,0,0,0,0]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]

{"sheet":"DSCR (BC)","index":7,"n_rows":81,"n_cols":20,"rows_kept":81,"cut":false,"hidden":true,"merged":[[17,5,17,6],[17,16,17,17],[18,5,18,6],[18,16,18,17],[25,5,25,6],[25,16,25,17],[31,5,31,6],[31,16,31,17],[37,5,37,6],[37,16,37,18],[0,11,0,14],[1,11,1,14],[2,11,2,14],[3,13,3,14],[4,11,4,12],[4,13,4,14],[10,5,10,6],[10,16,10,17],[11,5,11,6],[11,16,11,17],[5,1,6,3],[5,5,6,14],[5,16,6,19],[8,1,8,3],[8,5,8,14],[9,5,9,6],[9,16,9,17],[16,5,16,6],[16,16,16,17],[13,5,13,6],[13,16,13,17],[14,5,14,6],[14,16,14,17],[15,5,15,6],[15,16,15,17],[12,5,12,6],[12,16,12,17],[21,20,22,20],[22,5,22,6],[22,16,22,17],[23,5,23,6],[23,16,23,17],[23,20,24,20],[24,5,24,6],[24,16,24,17],[19,5,19,6],[19,16,19,17],[20,5,20,14],[20,16,20,17],[21,5,21,14],[21,16,21,17],[25,20,26,20],[26,5,26,6],[26,16,26,17],[27,5,27,6],[27,16,27,17],[27,20,28,20],[28,5,28,14],[28,16,28,17],[29,5,29,6],[29,16,29,17],[29,20,30,20],[30,5,30,6],[30,16,30,17],[31,20,32,20],[32,5,32,6],[33,5,33,6],[33,20,34,20],[34,5,34,14],[34,16,34,17],[35,5,35,6],[35,16,35,18],[35,20,36,20],[36,5,36,6],[36,16,36,18],[37,20,38,20],[38,5,38,6],[38,16,38,18],[39,5,39,6],[39,16,39,18],[39,20,40,20],[40,5,40,6],[45,5,45,6],[45,20,46,20],[46,5,46,6],[46,16,49,19],[47,5,47,6],[48,5,48,6],[49,5,49,6],[41,5,41,6],[41,20,42,20],[42,5,42,6],[43,5,43,6],[43,20,44,20],[44,5,44,14],[40,16,40,19],[41,16,45,19],[54,16,54,17],[55,1,55,2],[55,5,55,6],[56,1,56,2],[56,5,56,6],[57,1,57,3],[57,5,57,6],[50,5,50,14],[51,5,51,6],[52,5,52,6],[53,5,53,6],[54,1,54,2],[54,5,54,6],[64,16,64,17],[65,5,65,6],[66,5,66,6],[66,16,66,17],[67,5,67,6],[68,1,68,3],[68,5,68,6],[58,1,67,3],[58,5,58,6],[59,5,59,6],[60,5,60,6],[61,5,61,6],[62,5,62,6],[63,5,63,14],[64,5,64,6],[69,1,69,3],[69,5,69,6],[70,1,70,3],[70,5,70,14],[71,1,74,3],[71,5,71,6],[72,5,72,6],[73,5,73,6],[74,5,74,6],[80,5,80,6],[86,1,86,2],[87,1,87,2],[75,1,75,3],[75,5,75,6],[76,5,76,14],[77,5,77,6],[78,5,78,6],[79,1,79,3],[79,5,79,6]]}
[null,null,null,null,null,null,null,null,null,null,null,"LoanStream Mortgage"]
[null,null,null,null,null,null,null,null,null,null,null,"19000 MacArthur Blvd, Suite 200"]
[null,null,null,null,null,null,null,null,null,null,null,"Irvine, CA 92612"]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Effective Date:",null,"2025-07-31"]
[null,"Base Price",null,null,null,"DSCR LoanStream",null,null,null,null,null,null,null,null,null,null,"NonQM Price Calculator"]
[]
[]
[null,"30 Day Lock",null,null,null,"Loan Level Pricing Adjustments",null,null,null,null,null,null,null,null,null,null,null,null,"Inputs"]
[null,"Rate","DSCR","DSCR 5-8",null,"FICO/LTV",null,"<=50","50.01-55","55.01-60","60.01-65","65.01-70","70.01-75","75.01-80","80.01-85",null," Interest Rate →",null,6.25]
[null,6.25,null,null,null,"780+",0,0.625,0.5,0.5,0.5,0.375,0.125,-0.125,-1.75,null,"LTV Range",null,"Choose a Selection"]
[null,6.375,null,null,null,"760-779",0,0.5,0.5,0.5,0.375,0.25,0,-0.375,-2,null,"FICO Range",null,"680-699",{"$f":"IF(ISNUMBER(MATCH($S$11,'Feed(WS)'!$B$3:$B$11,0)),\n   INDEX($H$11:$O$19,MATCH($S$12,$F$11:$F$19,0),MATCH($S$11,$H$10:$O$10,0)))","v":false}]
[null,6.4989999999999997,99.0625,null,null,"740-759",0,0.5,0.375,0.375,0.25,0,-0.375,-0.5,-2.25,null,"Program",null,"Core DSCR (≥1.00)",{"$f":"IF(OR($S$11=\"\", $S$13=\"\"), \"\",\n   INDEX($H$23:$O$28,\n         MATCH($S$13,$F$23:$F$28,0),\n         MATCH($S$11,$H$10:$O$10,0)))","v":{"$error":"#N/A"}}]
[null,6.625,99.53125,null,null,"720-739",0,0.375,0.25,0.25,0,-0.375,-0.5,-1,-2.75,null,"Reserves",null,"Choose a Selection",{"$f":"'Feed(WS)'!$O$180","v":0}]
[null,6.75,99.96875,null,null,"700-719",0,0.25,0,0,-0.375,-0.5,-1,-1.5,"NA",null,"Payment History",null,"0x30x12",{"$f":"IF(OR($S$11=\"\", $S$15=\"\"), \"\",\n   INDEX($H$71:$O$75,\n         MATCH($S$15,$F$71:$F$75,0),\n         MATCH($S$11,$H$10:$O$10,0)))","v":{"$error":"#N/A"}}]
[null,6.875,100.390625,null,null,"680-699",0,0,-0.375,-0.375,-0.5,-1,-1.5,-2.5,"NA",null,"Credit Events",null,"NONE",{"$f":"IF(OR($S$11=\"\", $S$16=\"\", $S$16=\"NONE\"),0,\n   INDEX($H$77:$O$80,\n         MATCH($S$16,$F$77:$F$80,0),\n         MATCH($S$11,$H$10:$O$10,0)))","v":0}]
[null,6.9989999999999997,100.796875,null,null,"660-679",0,-0.5,-0.5,-0.5,-1,-1.5,-2.25,"NA","NA",null,"Doc Type",null,"DSCR",0]
[null,7.125,101.171875,null,null,"640-659",0,-1,-1.25,-1.25,-1.75,-2.25,-3.25,"NA","NA",null,"Additional Adjs",null,"None in this Dropdown",{"$f":"IF(OR($S$11=\"\", $S$18=\"\", $S$18=\"None in this Dropdown\"),0,\n   INDEX($H$46:$O$49,\n         MATCH($S$18,$F$46:$F$49,0),\n         MATCH($S$11,$H$10:$O$10,0)))","v":0}]
[null,7.25,101.546875,null,null,"620-639",0,-1.75,-2,-2,-2.5,-3,"NA","NA","NA",null,"Citizenships",null,"US Citizen",{"$f":"'Feed(WS)'!$R$175","v":0}]
[null,7.375,101.921875,null,null,null,null,null,null,null,null,null,null,null,null,null,"DTI",null,"Choose a Selection",{"$f":"IF(OR($S$11=\"\", $S$20=\"\"), \"\",\n   INDEX($H$36:$O$44,\n         MATCH($S$20,$F$36:$F$44,0),\n         MATCH($S$11,$H$10:$O$10,0)))","v":{"$error":"#N/A"}}]
[null,7.4989999999999997,102.265625,98.5,null,null,null,null,null,null,null,null,null,null,null,null,"Loan Balance",null,"Purchase",{"$f":"IF(OR($S$11=\"\", $S$21=\"\"), \"\",\n   INDEX($H$30:$O$34,\n         MATCH($S$21,$F$30:$F$34,0),\n         MATCH($S$11,$H$10:$O$10,0)))","v":{"$error":"#N/A"}}]
[null,7.625,102.578125,99,null,"Program",null,null,null,null,null,null,null,null,null,null,"Purpose",null,"No",0]
[null,7.75,102.859375,99.25,null,"SELECT - DSCR",null,0.5,0.5,0.5,0.5,0.5,0.5,"NA","NA",null,"Occupancy",null,"Non-Owner (Alt Doc/DSCR)",0]
[null,7.875,103.140625,99.5,null,"Core DSCR (≥1.20)",null,0,0,0,0,0,0,0,0,null,"Property Type",null,"Choose a Selection",{"$f":"'Feed(WS)'!$P$175","v":0}]
[null,7.9989999999999997,103.421875,100,null,"Core DSCR (≥1.00)",null,0,0,0,0,0,0,0,0,null,"Loan Term",null,"30YR Fixed",{"$f":"'Feed(WS)'!$O$175","v":0}]
[null,8.125,103.703125,100.25,null,"Sub1 DSCR (0.75-0.99)",null,-2,-2,-2,-2,-2,-2,"NA","NA",null,"Escrow",null,"Escrow Not Waived",{"$f":"'Feed(WS)'!$Q$180","v":0}]
[null,8.25,103.984375,100.5,null,"No Ratio DSCR - < 0.75  ",null,-3,-3,-3,-3,-3,"NA","NA","NA",null,"Prepayment Penalty",null,"Choose a Selection",{"$f":"IF($S$11=\"\", \"\",\n   IF($S$27=\"Choose a Selection\",0,\n      INDEX($H$51:$O$62,\n           MATCH($S$27,$F$51:$F$62,0),\n           MATCH($S$11,$H$10:$O$10,0))))","v":0}]
[null,8.375,104.265625,100.75,null,"DSCR Fusion (DSCR + Asset Util)",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,"NA",null,"NJ - Title Vesting",null,null,0]
[null,8.4990000000000006,104.546875,101,null,"Purpose",null,null,null,null,null,null,null,null,null,null,"State",null,"Choose a Selection",{"$f":"'Feed(WS)'!$O$185","v":0}]
[null,8.625,104.796875,101.25,null,"Purchase",null,0,0,0,0,0,0,0,0,null,"Lock Term",null,"30 Day",{"$f":"'Feed(WS)'!$R$180","v":0}]
[null,8.75,105.046875,101.5,null,"Rate Term Refi",null,0,0,0,0,-0.25,-0.375,-0.5,-0.5,null,"Buydown",null,"No",{"$f":"IF(OR(\n      AND(OR($S$31='Feed(WS)'!$R$4:$R$5), $S$21<>'Feed(WS)'!$J$3),\n      AND(OR($S$31='Feed(WS)'!$R$4:$R$5), $S$25<>'Feed(WS)'!$M$4),\n      AND(OR($S$31='Feed(WS)'!$R$4:$R$5), $S$21<>'Feed(WS)'!$L$3:$L$4),\n   ),\n   NA(),\n   0)","v":0}]
[null,8.875,105.296875,101.75,null,"Cash Out Refi",null,-0.125,-0.125,-0.375,-0.5,-0.75,-1,"NA","NA",null,"Subordinate Financing",null,"No",0]
[null,8.9990000000000006,105.546875,102.25,null,"Rate Term Refi FICO < 680",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.5,-0.625,"NA",null,"",null,{"$f":"IF(ISNA(V33),\"Yes\",IF(V33=0,\"No\",\"\"))","v":"No"},{"$f":"'Feed(WS)'!$B$67","v":0}]
[null,9.125,105.796875,102.5,null,"Cash Out Refi FICO < 680",null,-0.5,-0.5,-0.625,-0.75,-1,-1.25,"NA","NA",null,"",null,"Not Applicable",0]
[null,9.25,105.921875,102.75,null,"Loan Amount",null,null,null,null,null,null,null,null,null,null,"Special ",null,{"$f":"IF(V36=0,'Feed(WS)'!Y4,'Feed(WS)'!Y5)","v":"Not Applicable"},{"$f":"'Feed(WS)'!$Z$1","v":false}]
[null,9.375,106.046875,103,null,"<$150,000",null,-0.25,-0.5,-0.5,-0.5,-0.75,-1,-1.25,-1.5,null,"  Total LLPA",null,null,{"$f":"SUM($T$12:$T$35)","v":{"$error":"#N/A"}}]
[null,9.4990000000000006,106.171875,103.25,null,"$150,001-$250,000",null,0,0,0,0,0,0,-0.25,-0.5,null,"  Gross Rate Sheet Price (Prior to LLPAs)",null,null,{"$f":"IF(AND($S$24='Feed(WS)'!$K$6,$S$17='Feed(WS)'!$D$5),INDEX($B$10:$D$50,MATCH($S$10,$B$10:$B$50,0),MATCH($S$24,$B$10:$D$10,0)),INDEX($B$10:$D$50,MATCH($S$10,$B$10:$B$50,0),MATCH($S$17,$B$10:$D$10,0)+1))","v":0}]
[null,9.625,106.296875,103.5,null,"$250,001-$1,000,000",null,0,0,0,0,0,0,0,0,null,"  Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)",null,null,{"$f":"IFERROR(IF(AND($U$10<>'Feed(WS)'!$K$134,$T$39=$T$64),NA(),$T$37+$T$36),\"#N/A\")","v":"#N/A"}]
[null,9.75,106.421875,103.75,null,">$1,000,000",null,0.375,0.25,0.25,0.25,0.25,0,0,0,null,"  Max YSP",null,null,{"$f":"IF(OR('Feed(WS)'!$E$147=0, ISERROR('Feed(WS)'!$E$147)), NA(), 'Feed(WS)'!$E$147)","v":{"$error":"#N/A"}}]
[null,9.875,106.546875,104,null,">$1,500,000",null,0,0,0,0,0,0,0,0,null,"Final Price  →",null,null,{"$f":"IF(OR($T$36=\"#NA\",$T$37=\"#NA\"),NA(),IF(AND($U$9<>'Feed(WS)'!$K$134,$T$39=$T$64),NA(),IF($T$38>$T$39,$T$39,$T$38)))","v":{"$error":"#N/A"}}]
[null,9.9990000000000006,106.671875,104.25,null,">$2,000,000",null,-0.125,-0.125,-0.125,-0.25,-0.25,-0.25,-0.5,"NA",null,{"$f":"IF(OR($S$11:$S$25=\"Choose a Selection\"),\"\",CONCATENATE('Feed(WS)'!$I$134,\" \",'Feed(WS)'!$K$134,\"%\"&\" @ \"&'Feed(WS)'!$L$134))","v":""}]
[null,10.125,106.796875,104.5,null,">$2,500,000",null,-0.375,-0.375,-0.5,-0.5,-0.5,-0.5,-0.75,"NA",null,"Borrower Paid Comp Only\n*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only\n*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit"]
[null,10.25,106.921875,104.75,null,">$3,000,000",null,-1,-1,-1,-1,-1.25,-1.5,"NA","NA"]
[null,10.375,107.046875,105,null,">$3,500,000",null,-2,-2.25,-2.5,-3,"NA","NA","NA","NA"]
[null,10.499000000000001,107.171875,105.25,null,"Property/Units"]
[null,10.625,107.296875,105.5,null,"NW Condo",null,-1,-1,-1,-1,-1,-1.5,"NA","NA"]
[null,10.75,107.421875,105.75,null,"Short Term Rental",null,-0.5,-0.5,-0.5,-0.5,-0.625,-0.75,-1,"NA",null,"Calculator does not verify eligibility.\nPlease use in conjunction with product matrix."]
[null,10.875,107.546875,106,null,"2 Units",null,0,0,0,0,0,0,0,"NA"]
[null,10.999000000000001,107.671875,106.25,null,"3-4 Units",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,-0.25,"NA"]
[null,11.125,107.796875,106.5,null,"DSCR 5-8 Units",null,0,0,0,0,0,0,0,"NA"]
[null,null,null,null,null,"Prepayment Penalty"]
[null,null,null,null,null,"No PPP-States not allowed",null,-1,-1,-1,-1,-1,-1,-1,-1]
[null,null,null,null,null,"No PPP-States that allow",null,-2,-2,-2,-2,-2,-2,-2,-2]
[null,null,null,null,null,"12 Months PPP*",null,-1,-1,-1,-1,-1,-1,-1,-1]
[null,"Lock Term",null,"LLPA",null,"24 Months PPP*",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,null,"Max Price",null,"State","LLPA"]
[null,"45 Day",null,-0.25,null,"36 Months PPP*",null,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,null,"Owner/2nd Home",102,"Georgia",-0.25]
[null,"60 Day",null,-0.5,null,"48 Months PPP*",null,0.375,0.375,0.375,0.375,0.375,0.375,0.375,0.375,null,">$2,500,000",101,"Illinois",-0.25]
[null,"Extension Cost",null,null,null,"60 Months PPP*",null,0.625,0.625,0.625,0.625,0.625,0.625,0.625,0.625,null,"80.01-90.00% LTV",101,"Kansas",-0.25]
[null,"Temporary Guidance See Below Extension Cost\n\nAll Rates @ 2 bps / day Extension Cost\n\nCurrent lock extension costs/policies apply to all active locks, regardless of lock date\n\nAll 45 day locks are at a 25bp cost and are eligible for up to 15 days of extensions at cost \nAll 60 day locks are at a 50bp cost and are not eligible for Lock Extensions",null,null,null,"12 Months PPP (5% Fixed)**",null,-1,-1,-1,-1,-1,-1,-1,-1,null,"ITIN/Foreign National",101,"New Jersey",-0.25]
[null,null,null,null,null,"24 Months PPP  (5% Fixed)**",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,null,"Subord Financing",100,"North Carolina",-0.25]
[null,null,null,null,null,"36 Months PPP  (5% Fixed)**",null,0.375,0.375,0.375,0.375,0.375,0.375,0.375,0.375,null,"No PPP",100,"Ohio",-0.25]
[null,null,null,null,null,"48 Months PPP  (5% Fixed)**",null,0.5,0.5,0.5,0.5,0.5,0.5,0.5,0.5,null,"12 Months PPP",101,"Terms","LLPA"]
[null,null,null,null,null,"60 Months PPP  (5% Fixed)**",null,0.875,0.875,0.875,0.875,0.875,0.875,0.875,0.875,null,"NJ Title Vested in LLC",100,"15YR Fixed",0.25]
[null,null,null,null,null,"Other",null,null,null,null,null,null,null,null,null,null,"DSCR 5-8 Units",100,"30YR Fixed",0]
[null,null,null,null,null,"Interest Only 30Yr FIX",null,-0.25,-0.25,-0.25,-0.375,-0.5,-0.5,-0.5,"NA",null,"Floor Price",null,"40YR Fixed",-0.5]
[null,null,null,null,null,"Intt Only: 40Yr or ARM (30&40Yr)",null,-0.25,-0.25,-0.5,-0.5,-0.75,-0.75,-0.75,"NA",null,"NC Floor Price",99.75,"5/6 30YR ARM",0]
[null,null,null,null,null,"Escrow Waived",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.5,-0.5,-0.5,null,"Min Rate",null,"5/6 40YR ARM",-0.5]
[null,null,null,null,null,"ITIN",null,-1.5,-1.5,-1.5,-1.5,-1.5,-2,"NA","NA",null,">$2,500,000",6.75,"7/6 30YR ARM",0]
[null,"Allowable Fees",null,null,null,"Foreign Nat' With Fico",null,-1.5,-1.5,-1.5,-1.5,-1.5,-1.75,"NA","NA",null,"ITIN/Foreign National",7.4989999999999997,"7/6 40YR ARM",-0.5]
[null,"Click Here",null,null,null,"Subordinate Financing",null,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,-0.5,null,null,null,"Terms","Caps"]
[null,"PPP Requirements",null,null,null,"Payment History",null,null,null,null,null,null,null,null,null,null,null,null,"5/6 ARM","2/1/5"]
[null,"PPP Required on NOO>80% LTV   \n* 6 Months interest on 80% of the Principal Balance *\n** 5% Fixed PPP option is 5% penalty on Original Balance for the duration of the Pre-Pay Term **",null,null,null,"0x30x12",null,0.25,0.25,0.25,0.25,0.25,0.25,0.25,0.25,null,null,null,"7/6 ARM","5/1/5"]
[null,null,null,null,null,"1x30x12",null,-1.25,-1.25,-1.25,-1.25,-1.25,-1.25,-1.5,-2,null,null,null,"Floor","Margin"]
[null,null,null,null,null,"1x60x12",null,-1.75,-1.75,-1.75,-1.75,-1.75,-2,-2,"NA",null,null,null,"Index","6 Month SOFR"]
[null,null,null,null,null,"1x30x6",null,-1.5,-1.75,-1.75,-1.75,-1.75,-2,-2,"NA",null,null,null,"Reset","6 Month"]
[null,null,null,null,null,"0x30x24",null,0,0,0,0,0,0,0,0,null,null,null,"Margin",4]
[null,null,null,null,null,"Credit Events"]
[null,null,null,null,null,"12 Months",null,-2,-2,-2,-2,-2,"NA","NA","NA"]
[null,null,null,null,null,"24 Months",null,-1,-1,-1,-1.25,-1.25,-1.25,"NA","NA"]
[null,null,null,null,null,"36 Months",null,-0.25,-0.25,-0.25,-0.25,-0.25,-0.5,-0.5,-0.5]
[null,null,null,null,null,"48 Months",null,0,0,0,0,0,0,0,0]

{"sheet":"Prepay Matrix","index":8,"n_rows":29,"n_cols":8,"rows_kept":29,"cut":false,"hidden":false,"merged":[[0,0,0,3],[17,0,17,3],[14,0,15,1],[13,0,13,3],[1,0,1,3],[1,5,3,6],[1,7,1,8],[1,11,1,12],[2,7,3,8],[2,11,3,12],[6,5,7,6],[8,5,9,6],[4,5,5,6],[4,7,4,8],[4,11,4,12],[5,7,7,8],[5,11,7,12],[10,5,12,6],[8,7,8,8],[8,11,8,12],[9,7,9,8],[9,11,9,12],[25,5,27,6],[28,5,28,6],[20,5,24,6],[14,5,14,6],[15,5,19,6]]}
["For 1st Lien Business Purpose Loans Only\nPrepay Penalty (PPP) Requirements\nPPP Required on NOO with > 80% LTV\nPPP Options\n6 months interest on 80% of the Principal Balance;\n5% Fixed PPP Option = 5% Penalty on Current Balance\nfor the duration of the PPP term                                                                                                                                                          "]
["STANDARD PREPAYMENT PENALTIES ALLOWED",null,null,null,null,"NonQM LPC Scenarios\nBase Price - LLPAs - Adjustments for Max Price = Net Price \nNet Price - LPC = Final Price with LPC",null,"YSP (Yield Spread Premium)"]
["Arizona (AZ)","Idaho (ID)","Montana (MT)","Texas (TX)",null,null,null,"Extra money that a Lender CAN pay to the Mortgage Broker / Originator or Borrower"]
["Alabama (AL)","Indiana (IN)","Nebraska (NE)","Utah (UT)"]
["Arkansas (AR)","Iowa (IA)","Nevada (NV)","Vermont (VT)",null,"1. Scenario with Max Price of 102, LPC Comp of 2.750\nAfter LPC Max Price would be 99.250 (102.000 - 2.750)",null,"LPC (Lender Paid Compensation)"]
["California (CA)","Kansas (KS)","North Carolina (NC)","Virginia (VA)",null,null,null,"Broker Compensation Comp Plan that was selected when signing Broker Package IE: 2.750 No Min No Max, that’s paid by the Lender"]
["Colorado (CO)","Kentucky (KY)","North Dakota (ND)","Washington (WA)",null,"2. Scenario with Max Price of 102, LPC Comp of 2.000\nAfter LPC Max Price would be 100.000 (102.000 - 2.000)"]
["Connecticut (CT)","Louisiana (LA)","Oklahoma (OK)","West Virginia (WV)"]
["District of Columbia (DC)","Maine (ME)","Oregon (OR)","Wisconsin (WI)",null,"3. Scenario with Max Price of 100.000, LPC Comp of 1.000 \nAfter LPC Max Price would be 99.000 (100.000 - 1.000)",null,"BPC (Borrower Paid Compensation)"]
["Florida (FL)","Massachusetts (MA)","South Carolina (SC)","Wyoming (WY)",null,null,null,"Broker Compensation Paid directly by the Borrower"]
["Georgia (GA)","Mississippi (MS)","South Dakota (SD)",null,null,"4. Scenario with Max Price of 102, LPC Comp of 1.000 \nAfter LPC Max Price would be 101.000 (102.000 - 1.000) \nLender Credit of 1.000 would be paid to the Borrower"]
["Hawaii (HI)","Missouri (MO)","Tennessee (TN)"]
[]
["NO PREPAYMENT PENALTIES ALLOWED"]
["Alaska (AK) - Express prohibition on PP provisions for business purpose  loans  or  maximum  PP  charge  is  so  low  there’s  no\nmarket for them",null,"Delaware (DE)","New Hampshire (NH)",null,"Business Purpose LPC + YSP Scenarios"]
[null,null,"Minnesota (MN)","New Mexico (NM)",null,"1. Business Purpose Sceario with Max Price of 102.000, LPC Comp of 1.500 \nBroker Requested YSP to Broker of 1.000 (Max YSP Available 2.000 due to Max Price of 102.000) \nAfter Broker YSP Max Price of 101.000 (102.000 - 1.000) \nAfter LPC Max Price of 99.500 (101.000 - 1.500)"]
[]
["STATES WITH ‘RESTRICTED’ PREPAYMENT PENALTIES"]
["State","PPP allowed when:","PPP Structure","No PPP allowed when:"]
["*Illinois / Cook County","All of IL: If closed in the name of an individual and rate  < 8% APR, or is a Business Purpose Loan & closed in a Corporation, or LLC.  **if in Cook County must also be >$250k","Normal Rates","If closed in the name of an individual and \nRate is = > 8% APR, **if in Cook County < $250K "]
["Maryland (MD)","Maximum of 3 years","2 months advance interest on the aggregate amount of all prepayments made in a 12-month period which exceed 1/3 of the amount of the loan","Never",null,"2. Business Purpose Scenario with Max Price of 102.000, LPC Comp of 2.500\nBroker Requested YSP to Broker of 2.000 (Max YSP Available 2.000 due to Max Price of 102.000)\nAfter Broker YSP Max Price 100.000 (102.000 - 2.000)\nAfter LPC Max Price of 97.500 (100.000 - 2.500)"]
["Michigan (MI)","Maximum of 3 years PPP","1% of balance prepaid","Never"]
["New Jersey (NJ)","Closed in name of Corp (Inc.) *does NOT include LLC","Normal Rates","Closed in name of individual or LLC"]
["Ohio (OH)","> = $116,356 - effective 1-1-2026 (this adjusts annually); 5 year max","1% of original principal amount","Loan is < $116,356"]
["Pennsylvania (PA)",">$329,411 - effective 1-1-2026 (this ajusts annually) and 1-2 Unit, or any 3-4 Unit, including 5-8 Units","Normal Rates","<=$329,411 and 1-2 Unit"]
["Rhode Island (RI)","Maximum of 1 year PPP","2% of balance prepaid","Never",null,"3. Business Purpose Scenario with Max Price of 100.000, LPC Comp of 1.000 \nIn this Scenario NO YSP available (Max YSP Available 0.000 due to Max Price of 100.000)\nAfter Broker YSP Max Price 100.000 (100.000 - 0.000)\nAfter LPC Max Price of 99.000 (100.000 - 1.000)"]
[]
[]
[null,null,null,null,null,"4. Business Purpose Scenario with Max Price of 102.000, LPC Comp of 1.500\nBroker Requested YSP to Broker of 0.000 (Max YSP Available 2.000 due to Max Price of 102.000)\nAfter Broker YSP Max Price 102.000 (102.000 - 0.000)\nAfter LPC Max Price of 100.500 (102.000 - 1.500)\nLeftover YSP or Lender Credit of 0.500 will now be paid to the borrower"]