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{"sheet":"NonQM Program(LS)","index":0,"n_rows":230,"n_cols":27,"rows_kept":230,"cut":false,"hidden":false,"merged":[[73,0,73,4],[74,0,86,4],[72,6,72,7],[73,6,73,7],[74,6,74,7],[70,6,70,7],[71,6,71,7],[64,6,64,7],[65,6,65,7],[66,6,66,7],[75,6,75,7],[34,6,34,7],[35,6,35,7],[36,6,36,7],[37,6,37,7],[38,6,38,7],[39,6,39,7],[40,6,40,7],[41,6,41,7],[42,6,42,7],[43,6,43,7],[44,6,44,7],[45,6,45,7],[46,6,46,7],[47,6,47,7],[48,6,48,7],[49,6,49,7],[8,18,8,19],[12,6,12,7],[13,6,13,7],[35,18,35,20],[31,6,31,7],[33,10,33,12],[32,6,32,7],[34,18,34,20],[20,18,20,19],[17,18,17,19],[18,18,18,19],[30,10,30,11],[34,10,34,11],[29,6,29,7],[28,6,28,7],[30,6,30,7],[24,10,24,12],[50,6,50,7],[51,6,51,7],[52,6,52,7],[62,6,62,7],[63,6,63,7],[37,18,37,20],[36,18,36,20],[46,14,46,15],[47,14,47,15],[48,14,48,15],[50,14,50,15],[53,6,53,7],[54,6,54,7],[55,6,55,7],[56,6,56,7],[57,6,57,7],[58,6,58,7],[59,6,59,7],[60,6,60,7],[61,6,61,7],[36,10,36,11],[62,14,62,16],[63,14,69,16],[39,10,39,12],[0,7,1,10],[0,14,1,16],[3,7,3,10],[4,14,4,16],[8,6,8,16],[9,6,9,7],[10,6,10,7],[11,6,11,7],[27,10,27,11],[2,7,2,10],[2,14,2,16],[3,13,3,16],[4,12,4,13],[17,6,17,7],[18,6,18,7],[27,14,27,15],[14,6,14,7],[25,6,25,7],[24,6,24,8],[27,6,27,7],[25,10,25,11],[26,10,26,11],[26,6,26,7],[25,14,25,15],[55,0,55,4],[56,0,70,4],[69,6,69,8],[57,14,57,15],[58,14,58,15],[16,6,16,7],[35,10,35,11],[40,10,40,11],[41,10,41,11],[44,10,44,11],[64,10,64,12],[70,11,70,12],[68,12,69,12],[51,14,51,15],[59,14,59,15],[26,14,26,15],[34,14,34,15],[28,10,28,11],[28,14,28,15],[29,14,29,15],[30,14,30,15],[19,6,19,7],[49,14,49,15],[37,10,37,11],[31,10,31,11],[33,6,33,7],[16,26,16,28],[20,26,20,28],[5,22,6,25],[8,0,8,4],[29,26,29,28],[24,14,24,16],[20,6,20,7],[16,18,16,19],[23,18,23,19],[7,18,7,19],[5,18,6,21],[5,0,6,16],[15,6,15,7],[28,18,28,19],[14,26,14,28],[19,18,19,19],[22,18,22,19],[29,10,29,11],[7,26,7,28],[8,26,8,28],[9,26,9,28],[10,26,10,28],[7,21,7,24],[8,23,8,25],[11,26,11,28],[13,26,13,27],[12,26,12,28],[9,23,9,25],[10,23,10,25],[12,18,12,19],[11,18,11,19],[15,18,15,19],[15,26,15,28],[9,18,9,19],[13,18,13,19],[14,18,14,19],[15,22,15,25],[14,22,14,25],[13,22,13,25],[12,22,12,25],[10,18,10,19],[72,14,77,16],[19,22,19,25],[31,26,45,28],[40,22,40,25],[24,18,24,19],[25,18,25,19],[26,18,26,19],[27,18,27,19],[31,18,31,19],[38,14,38,15],[44,14,44,15],[33,18,33,19],[40,14,40,15],[32,18,32,19],[42,14,42,15],[27,22,27,25],[39,18,44,21],[21,18,21,19],[31,14,31,15],[32,14,32,15],[33,14,33,15],[52,14,52,15],[54,14,54,16],[21,26,21,28],[29,18,29,19],[17,26,17,28],[22,26,22,28],[55,14,55,15],[56,14,56,16],[60,14,60,15],[43,14,43,15],[37,14,37,16],[30,18,30,19],[45,14,45,15],[38,18,38,20],[34,22,35,25],[39,14,39,15],[41,14,41,15],[45,10,45,11],[47,10,47,12],[52,10,52,11],[35,14,35,15],[73,10,86,12],[71,10,71,11],[49,10,49,11],[53,10,53,12],[42,10,42,11],[48,10,48,11],[54,10,54,11],[55,10,55,11],[56,10,56,11],[59,10,59,12],[63,10,63,12],[60,10,60,11],[43,10,43,11],[50,10,50,11],[57,10,57,11],[61,10,61,11],[51,10,51,11],[80,14,85,16],[79,14,79,16],[71,14,71,16]]}
[null,null,null,null,null,null,null,"LoanStream Mortgage",null,null,null,null,null,null,"Wholesale Ratesheet"]
[]
[null,null,null,null,null,null,null,"19000 MacArthur Blvd, Suite 200",null,null,null,null,null,null,"30 Day Lock Period"]
[null,null,null,null,null,null,null,"Irvine, CA 92612",null,null,null,null,null,"Borrower Paid Compensation*"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Effective Date:",null,"2025-07-18"]
["NonQM Program Pricing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"NonQM Price Calculator",null,null,null,"Calculator does not verify eligibility.\nPlease use in conjunction with product matrix."]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Inputs","Wholesale Ratesheet",null,null,null,{"$f":"O5","v":"2025-07-18"},"Full Doc Column Includes"]
["Base Rate / Base Price",null,null,null,null,null,"FICO/LTV Price Adjustments",null,null,null,null,null,null,null,null,null,null,null," Interest Rate →",null,"Choose a Selection",null,null,null,null,null,"Tax Returns"]
["Rate","Full Doc","Alt Doc","DSCR","DSCR 5-8 Units",null,null,null,"<=50","50.01-60","60.01-65","65.01-70","70.01-75","75.01-80","80.01-85","85.01-90","90.01-95",null,"LTV Range",null,"Choose a Selection",null,null,null,null,null,"1099 Only"]
[6.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"780+",0,0.625,0.5,0.5,0.375,0.125,-0.125,-1.5,-2.75,{"$error":"#N/A"},null,"FICO Range",null,"Choose a Selection",{"$f":"IF(OR(U10='Feed(WS)'!B4:B5),INDEX(J11:J21,MATCH(U11,G11:G21,0)),(INDEX(I11:Q21,MATCH(U11,G11:G21,0),MATCH(U10,I10:Q10))))","v":{"$error":"#N/A"}},null,null,null,null,"Asset Utilization Only"]
[6.375,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"760-779",0,0.5,0.5,0.375,0.25,0,-0.375,-1.75,-3,{"$error":"#N/A"},null,"Program",null,"Core",{"$f":"IF(U12=\"Choose a Selection\",0,(INDEX(M26:M32,MATCH(U12,K26:K32,0))))","v":0},null,null,null,null,"Asset Utilization W/ Full Doc"]
[6.4989999999999997,98.75,98.75,{"$error":"#N/A"},{"$error":"#N/A"},null,"740-759",0,0.5,0.375,0.25,0,-0.375,-0.5,-2,-3.25,{"$error":"#N/A"},null,"Reserves",null,"Choose a Selection",{"$f":"IF(U13=\"Choose a Selection\",0,(INDEX(M35:M38,MATCH(U13,K35:K38,0))))","v":0},{"$f":"'Feed(WS)'!B63","v":""},null,null,null,"VOE"]
[6.625,99.25,99.25,99,{"$error":"#N/A"},null,"720-739",0,0.375,0.25,0,-0.375,-0.5,-1,-2.5,-3.75,{"$error":"#N/A"},null,"Payment History",null,"Choose a Selection",{"$f":"IF(U14=\"Choose a Selection\",0,(INDEX(M41:M46,MATCH(U14,K41:K46,0))))","v":0},{"$f":"'Feed(WS)'!B64","v":""}]
[6.75,99.5,99.5,99.5,{"$error":"#N/A"},null,"700-719",0,0.25,0,-0.375,-0.5,-1,-1.5,-3.25,-4.5,{"$error":"#N/A"},null,"Credit Events",null,"36 Months",{"$f":"IF(U15=\"Choose a Selection\",0,(INDEX(M49:M53,MATCH(U15,K49:K53,0))))","v":-0.25},{"$f":"'Feed(WS)'!B66","v":""},null,null,null,"Alt Doc Column Includes"]
[6.875,99.75,99.75,99.75,{"$error":"#N/A"},null,"680-699",0,0,-0.375,-0.5,-1,-1.5,-2.5,-4.25,{"$error":"#N/A"},{"$error":"#N/A"},null,"Doc Type",null,"Choose a Selection",null,{"$f":"'Feed(WS)'!B67","v":0},null,null,null,"12 Bank Statements"]
[6.9989999999999997,100.25,100.25,100.25,{"$error":"#N/A"},null,"660-679",0,-0.5,-0.5,-1,-1.5,-2.25,-3.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Additional Adjs",null,"Choose a Selection",{"$f":"IF(AND(OR(U10='Feed(WS)'!B10:B11),OR(U17='Feed(WS)'!E4,U17='Feed(WS)'!E6)),NA(),IF((AND((IF(U10=\"85.01-90\",1,0))=1,(IF(U16=\"DSCR\",1,0))=1))=TRUE,NA(),(IF(OR((AND(OR(U11='Feed(WS)'!$A$7:$A$12),IF(U10=\"80.01-85\",1,0),IF(U16=\"DSCR\",1,0)))=TRUE,(AND(OR(U11='Feed(WS)'!A6:A12),IF(U10=\"80.01-85\",1,0),IF(U16=\"DSCR\",1,0),OR(U21='Feed(WS)'!J5:J9))=TRUE)),NA(),IF(U17=\"Choose a Selection\",0,(IF(U17=\"None in this Dropdown\",0,IF(U17=\"12 Month Full / Alt Doc\",0,INDEX(I$27:I$67,MATCH(U17,G$27:G$67,0))))))))))","v":0},"Select \"Inv. & 2nd Home >75% LTV\" Adjustment",null,null,null,"12 or 24 CPA P&L"]
[7.125,100.5,100.5,100.5,{"$error":"#N/A"},null,"640-659",0,-1,-1.25,-1.75,-2.25,-3.25,-4.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Citizenships",null,"Choose a Selection",{"$f":"(IF(U18=\"US Citizen\",0,(IF(U18=\"Permanent Resident\",0,(IF(U18=\"Non Perm Resident\",0,(IF(U18=\"ITIN\",VLOOKUP(U18,G27:I67,3,0),(IF(U18=\"Foreign Nat' No Fico\",INDEX(I13:Q21,MATCH(U18,G13:G21,0),MATCH(U10,I10:Q10)),IF(U18=\"Foreign Nat' With Fico\",IF(U18=\"Foreign Nat' With Fico\",INDEX(G27:I67,(MATCH(U18,G27:G67,0)),3)),NA())))))))))))","v":{"$error":"#N/A"}},null,null,null,null,"Asset Utlization W/ Bank Stmt"]
[7.25,100.75,100.75,100.75,{"$error":"#N/A"},null,"620-639",0,-1.75,-2,-2.5,-3,-4.25,-5.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"DTI",null,"Choose a Selection",{"$f":"IF(U19=\"DTI ≥50% - All Doc Types\",IF((AND(IF(U19=\"DTI ≥50% - All Doc Types\",1,0),(IF(U16=\"Full Doc\",1,0)),(IF(U21=\"Purchase\",1,0)),(IF(U22=\"Primary\",1,0)),(IF(OR(U20='Feed(WS)'!G3:G5),1,0)),(IF(OR(U10='Feed(WS)'!B3:B9),1,0)),(IF(OR(U11='Feed(WS)'!A3:A9),1,0)),(IF(U12=\"A+\",1,0)))),IF(U19=\"Choose a Selection\",0,(IF(U19=\"DTI  ≤45% - All Doc Types\",0,IF(U19=\"No DTI Program\",0,INDEX(I$27:I$67,MATCH(U19,G$27:G$67,0)))))),NA()), IF((AND(IF(U19=\"DTI ≥50% - All Doc Types\",1,0),(IF(U21<>\"Purchase\",1,0)))),NA(),IF(U19=\"Choose a Selection\",0,(IF(U19=\"DTI ≤45% - All Doc Types\",0,IF(U19=\"No DTI Program\",0,INDEX(I$27:I$67,MATCH(U19,G$27:G$67,0))))))))","v":0},null,{"$f":"W42","v":0}]
[7.375,101,101,101,{"$error":"#N/A"},null,"600-619",0,-2.5,-2.75,-3.25,-3.75,-5.25,-6.25,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Loan Balance",null,"Choose a Selection",{"$f":"IF(U20=\"Choose a Selection\",0,((IF(U20=\"$5,000,001-$7,500,000\",\"Call Lock Desk\",IF(U20=\"$7,500,001-$10,000,000\",\"Call Lock Desk\",INDEX(I$27:I$67,MATCH(U20,G$27:G$67,0)))))))","v":0},"No Ratio 0.75 - 0.99 (Review Matrix for LTV Qualification) "]
[7.4989999999999997,101.25,101.25,101.25,98,null,"Foreign Nat' No Fico",0,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},null,"Purpose",null,"Choose a Selection",{"$f":"IF(AND(OR(U21='Feed(WS)'!J5:J9),U10=\"85.01-90\"),NA(),IF(ISERROR(IF(OR(U21=\"Purchase\",U21=\"Rate/Term Refi\"),0,INDEX(I$27:I$67,MATCH(U21,G$27:G$67,0)))),0,INDEX(I$27:I$67,MATCH(U21,G$27:G$67,0))))","v":0},null,null,null,null,"DSCR/No Ratio Column Includes"]
[7.625,101.5,101.5,101.5,98.25,null,null,null,null,null,null,null,null,null,null,null,null,null,"Occupancy",null,"Choose a Selection",{"$f":"IF(OR('Feed(WS)'!A69:A75=TRUE),IF(U22=\"Choose a Selection\",0,(IF(OR(U22=\"Primary\"),0,IF(OR(U22=\"Non-Owner (Alt Doc/DSCR)\",U22=\"Full Doc - Non-Owner\"),0,INDEX(I$27:I$67,MATCH(U22,G$27:G$67,0)))))),NA())","v":{"$error":"#N/A"}},null,null,null,null,"DSCR"]
[7.75,101.75,101.75,101.75,98.5,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property Type",null,"Choose a Selection",{"$f":"IF(AND(OR(U10='Feed(WS)'!B9:B11),OR(U23='Feed(WS)'!K9)),NA(),IF(U23=\"Choose a Selection\",0,(IF(OR(U23=\"SFR\",U23=\"1-2 Units\",U23=\"PUD\",U23=\"Condo\",U23=\"FL Condo\"),0,INDEX(I$27:I$67,MATCH(U23,G$27:G$67,0))))))","v":0},null,null,null,null,"No Ratio"]
[7.875,102,102,102,98.75,null,null,null,null,null,null,null,null,null,null,null,null,null,"Loan Term",null,"30YR Fixed",{"$f":"IF(AND(U10='Feed(WS)'!B11,OR(U24='Feed(WS)'!M5:M6,U24='Feed(WS)'!M9,U24='Feed(WS)'!M12)),NA(),INDEX(Q26:Q36,MATCH(U24,O26:O36,0)))","v":0}]
[7.9989999999999997,102.5,102.5,102.5,99.25,null,"Loan Level Price Adjustments",null,null,null,"Program",null,null,null,"Loan Term",null,null,null,"Escrow",null,"Escrow Not Waived",{"$f":"IF(U25=\"Escrow Not Waived\",0,INDEX(I$27:I$67,MATCH(U25,G$27:G$67,0)))","v":0}]
[8.125,102.75,102.75,102.75,99.5,null,null,null,"LLPA",null,"SELECT",null,0.5,null,"15YR Fixed",null,0.25,null,"Prepayment Penalty",null,"No PPP *See PPP Section*",{"$f":"IF(OR(U22=\"Primary\",U22=\"Second Home\"),0,INDEX(I$27:I$67,MATCH(U26,G$27:G$67,0)))","v":{"$error":"#N/A"}}]
[8.25,103,103,103,99.75,null,"DTI >45% - All Doc Types",null,0,null,"Core",null,0,null,"30YR Fixed",null,0,null,"NJ - Title Vesting",null,null,0]
[8.375,103.25,103.25,103.25,100,null,"DTI ≥50% - All Doc Types",null,-0.5,null,"SELECT - DSCR",null,0.5,null,"30YR IO Fixed",null,-0.5,null,"State",null,"Choose a Selection",{"$f":"IF(U16='Feed(WS)'!D5,IFERROR(INDEX(I71:I76,MATCH(U28,G71:G76,0)),0),0)","v":0},"PPP REQUIRED ON >80% LTVs"]
[8.4990000000000006,103.5,103.5,103.5,100.25,null,"ITIN",null,-1.5,null,"Core DSCR (≥1.20)",null,0,null,"40YR Fixed",null,-0.5,null,"Lock Term",null,"30 Day",{"$f":"INDEX(M55:M58,MATCH(U29,K55:K58,0))","v":0}]
[8.625,103.75,103.75,103.75,100.5,null,"VOE Only",null,-0.25,null,"Core DSCR (≥1.00)",null,0,null,"40YR IO Fixed",null,-0.75,null,"Buydown",null,"No",{"$f":"IF(OR(AND(OR(U30='Feed(WS)'!R4:R5),U21<>'Feed(WS)'!J3),AND(OR(U30='Feed(WS)'!R4:R5),U24<>'Feed(WS)'!M4)),NA(),0)","v":0},null,null,null,null,"*** Extension Cost"]
[8.75,104,104,104,100.75,null,"1099 Only",null,-0.25,null,"Sub1 DSCR (0.75-0.99)",null,-2,null,"5/6 30YR ARM",null,0,null,"Subordinate Financing",null,"No",{"$f":"IF(U31=\"Yes\",INDEX(I$27:I$67,MATCH(S31,G$27:G$67,0)),0)","v":0}]
[8.875,104.25,104.25,104.25,101,null,"Asset Utilization",null,-0.25,null,"No Ratio DSCR - < 0.75  ",null,-3,null,"5/6 30YR IO ARM",null,-1,null,{"$f":"IF(U32=\"Not Applicable\",\"\",IF('Feed(WS)'!X1=\"Yes\",'Feed(WS)'!V1,'Feed(WS)'!V2))","v":""},null,{"$f":"IF(OR('Feed(WS)'!X1=\"Yes\",'Feed(WS)'!X2=\"Yes\"),\"Yes\",\"Not Applicable\")","v":"Not Applicable"},{"$f":"IF(U32=\"Not Applicable\",0,IF(U32='Feed(WS)'!V4,VLOOKUP(S32,G$27:I$67,3,FALSE),0))","v":0},null,null,null,null,{"$f":"+K74","v":"Temporary Guidance See Below\nExtension Cost\n\nAll Rates @ 2 bps / day\nExtension 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"}]
[8.9990000000000006,104.75,104.75,104.75,101.5,null,"P&L w/ Bk Stmt",null,-0.25,null,null,null,null,null,"5/6 40YR ARM",null,-0.5,null,{"$f":"IF('Feed(WS)'!Z3=0,\"\",INDEX('Feed(WS)'!$AA$1:$AA$3,MATCH('Feed(WS)'!Z3,'Feed(WS)'!$Z$1:$Z$3,0)))","v":""},null,{"$f":"IF(V33=0,'Feed(WS)'!Y4,'Feed(WS)'!Y5)","v":"Not Applicable"},{"$f":"'Feed(WS)'!Z3","v":0},0]
[9.125,105,105,105,101.75,null,"P&L Only",null,-0.75,null,"Reserves",null,null,null,"7/6 30YR ARM",null,0,null,{"$f":"IF('Feed(WS)'!Z1=0,\"\",INDEX('Feed(WS)'!$AA$1:$AA$3,MATCH('Feed(WS)'!Z1,'Feed(WS)'!$Z$1:$Z$3,0)))","v":""},null,{"$f":"IF(V34=0,'Feed(WS)'!Y4,'Feed(WS)'!Y5)","v":"Not Applicable"},{"$f":"'Feed(WS)'!Z1","v":0}]
[9.25,105.25,105.25,105.25,102,null,"DSCR STR",null,-0.5,null,"< 3 Months",null,0,null,"7/6 30YR IO ARM",null,-1,null,"  Total LLPA",null,null,{"$f":"SUM(V11:V34)+W16","v":{"$error":"#N/A"}},"Calculator does not verify eligibility.\nPlease use in conjunction with product matrix."]
[9.375,105.5,105.5,105.5,102.25,null,"Debt Consol. >70% LTV",null,-0.5,null,"≥ 3 Months",null,0,null,"7/6 40YR ARM",null,-0.5,null,"  Gross Rate Sheet Price (Prior to LLPAs)",null,null,{"$f":"IF(AND(U23='Feed(WS)'!K6,U16='Feed(WS)'!D5),INDEX(A10:E50,MATCH(U9,A10:A50,0),MATCH(U23,A10:E10,0)),INDEX(A10:D50,MATCH(U9,A10:A50,0),MATCH(U16,B10:D10,0)+1))","v":{"$error":"#N/A"}}]
[9.4990000000000006,105.75,105.75,105.75,102.5,null,"Debt Consol. ≤ 70% LTV",null,-0.25,null,"≥ 6 Months",null,0,null,null,null,null,null,"  Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)",null,null,{"$f":"IFERROR(IF(AND(U9<>'Feed(WS)'!K134,V38=Q56),NA(),V36+V35),\"Minimum Rate\")","v":"Minimum Rate"}]
[9.625,106,106,106,102.75,null,"Cash-Out >70% LTV",null,-0.5,null,"≥ 12 Months",null,0,null,"Max Price",null,null,null,"  Max YSP",null,null,{"$f":"'Feed(WS)'!E147","v":0}]
[9.75,106.25,106.25,106.25,103,null,"Cash-Out ≤ 70% LTV",null,-0.25,null,null,null,null,null,"Owner Occ/Sec Home",null,102,null,"Final Price  →",null,null,{"$f":"IF(OR(V35=\"#NA\",V36=\"#NA\"),NA(),IF(AND(U9<>'Feed(WS)'!K134,V38=Q56),NA(),IF(V37>V38,V38,V37)))","v":{"$error":"#N/A"}}]
[9.875,106.5,106.5,106.5,103.25,null,"Cash-Out/Debt Consol. FICO < 680",null,-0.5,null,"Payment History",null,null,null,"No PPP-States not allowed",null,100,null,"Borrower Paid Comp Only\n*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only\n*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit"]
[9.9990000000000006,106.75,106.75,106.75,103.5,null,"2 Units",null,0,null,"0x30x12",null,0.25,null,"No PPP-States that allow",null,100,null,null,null,null,null,{"$f":"IF(OR(U10:U28=\"Choose a Selection\"),\"\",CONCATENATE('Feed(WS)'!I134,\" \",'Feed(WS)'!K134,\"%\"&\" @ \"&'Feed(WS)'!L134))","v":""}]
[10.125,107,107,107,103.75,null,"3-4 Units",null,-0.25,null,"1x30x12",null,-1.25,null,"1YR PPP",null,102]
[10.25,107.25,107.25,107.25,104,null,"DSCR 5-8 Units",null,0,null,"1x30x12 (DSCR)",null,-0.25,null,"2YR PPP",null,102]
[10.375,107.5,107.5,107.5,104.25,null,"Second Home",null,-0.5,null,"1x60x12",null,-1.75,null,"3YR PPP",null,102]
[10.499000000000001,107.75,107.75,107.75,104.5,null,"No PPP-States not allowed",null,-1,null,"1x30x6",null,-1.75,null,"4YR PPP",null,102]
[10.625,108,108,108,104.75,null,"No PPP-States that allow",null,-2,null,"0x30x24",null,0.25,null,"5YR PPP",null,102]
[10.75,108.25,108.25,108.25,105,null,"12 Months PPP",null,-0.75,null,null,null,null,null,">$2,500,000",null,101]
[10.875,108.5,108.5,108.5,105.25,null,"24 Months PPP",null,-0.5,null,"Credit Events",null,null,null,"80.01-90.00% LTV",null,101]
[10.999000000000001,108.75,108.75,108.75,105.5,null,"36 Months PPP",null,0.25,null,"12 Months",null,-2,null,"ITIN/Foreign National",null,101]
[11.125,109,109,109,105.75,null,"48 Months PPP",null,0.5,null,"24 Months",null,-1.25,null,"Subordinate Financing",null,100]
[null,null,null,null,null,null,"60 Months PPP",null,0.75,null,"36 Months",null,-0.25,null,"NJ Title Vested In LLC",null,100]
[null,null,null,null,null,null,"Escrow Waived",null,-0.25,null,"48 Months",null,0,null,"DSCR 5-8 Units",null,100]
[null,null,null,null,null,null,"NW Condo",null,-1,null,"NONE",null,0]
[null,null,null,null,null,null,"<$150,000",null,-0.75,null,"Lock Days"]
[null,null,null,null,null,null,"$150,000-$1,000,000",null,0,null,"15 Day",null,0,null,"Floor Price"]
["Non QM Prelocks",null,null,null,null,null,">$1,000,000",null,0.25,null,"30 Day",null,0,null,"NC Floor Price",null,99.75]
["Non-QM Pre-Locks may be locked for 30 or 45 days\n30 day Non-QM Pre-Locks are eligible for up to 15 days of extensions at cost                                                                                                            All Non-QM Pre-Locks must be Submittal Completed/Submitted within 10 days or Lock will be cancelled\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\nAll Non-QM locks that expire will be subject to a 25bp Relock Fee and Worse Case Pricing \n",null,null,null,null,null,">$1,500,000",null,0,null,"45 Day",null,-0.25,null,"ARM Margins"]
[null,null,null,null,null,null,">$2,000,000",null,-0.25,null,"60 Day",null,-0.5,null,"Occupancy",null,"Margin"]
[null,null,null,null,null,null,">$2,500,000",null,-0.5,null,null,null,null,null,"Primary Home",null,4]
[null,null,null,null,null,null,">$3,000,000",null,-1,null,"Min Rate",null,null,null,"Second Home",null,4]
[null,null,null,null,null,null,">$3,500,000",null,-2,null,">$2,500,000",null,6.75,null,"Investment Home",null,4]
[null,null,null,null,null,null,">$4,000,000",null,-3,null,"ITIN/Foreign National",null,7.4989999999999997]
[null,null,null,null,null,null,"Foreign Nat' With Fico",null,-1.5,null,null,null,null,null,"JULY NON-QM SPECIAL"]
[null,null,null,null,null,null,"Purchase",null,0,null,"Allowable Fees",null,null,null,"25 BPS Price Improvement on all NonQM\n*CAN BE COMBINED WITH SELECT, EXCLUDES DSCR 5-8*"]
[null,null,null,null,null,null,"Subordinate Financing",null,-0.5,null,"Click Here"]
[null,null,null,null,null,null,"NOO & 2nd Home >75% LTV",null,-0.25]
[null,null,null,null,null,null,"Full/Alt NOO & 2nd Home ≤75% LTV",null,0]
[null,null,null,null,null,null,null,null,null,null,"Terms","Caps","Floor"]
[null,null,null,null,null,null,null,null,null,null,"5/6 ARM","2/1/5","Margin"]
[null,null,null,null,null,null,"State, DSCR Only",null,null,null,"7/6 ARM","5/1/5"]
[null,null,null,null,null,null,"Georgia",null,-0.25,null,"Index","6mo SOFR"]
[null,null,null,null,null,null,"Illinois",null,-0.25,null,"Reset Frequency",null,"6 Mo",null,"Lender Credit"]
[null,null,null,null,null,null,"Kansas",null,-0.25,null,null,null,null,null,"2% Max Lender Credit can be utilized as Lender Paid Compensation (LPC) On Business Purpose Loans Only, subject to Max Price Limits above.\nFor all Consumer Loans, Lender Credit may only be utilized to pay for borrower paid closing costs, subject to Max Price limits above."]
["Temporary Property Eligibility Restrictions",null,null,null,null,null,"New Jersey",null,-0.25,null,"Temporary Guidance See Below\nExtension Cost\n\nAll Rates @ 2 bps / day\nExtension 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"]
["Properties located in the following City/County are NOT eligible to be locked:\n•\tBaltimore City, Maryland \n(Properties located in Baltimore County are not restricted)\n•\tEssex County, New Jersey",null,null,null,null,null,"North Carolina",null,-0.25]
[null,null,null,null,null,null,"Baltimore City, MD / Essex County, NJ",null,-0.25]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PPP Requirements"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"PPP Required on NOO >80% LTV\n6 Months Interest on 80% of the Original Principal Balance"]
[]
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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":"Feed(WS)","index":1,"n_rows":152,"n_cols":41,"rows_kept":152,"cut":false,"hidden":true,"merged":[[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,{"$f":"IF(AND(OR('NonQM Program(LS)'!U10=B9:B11),OR('NonQM Program(LS)'!U22=L4:L6)),V4,V3)","v":"Not Applicable"},"All NonQM 25 except SELECT",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$12, C3:C8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$16, D3:D5, 0)),\n   OR(\n     ISNUMBER(MATCH('NonQM Program(LS)'!$U$23, K3:K5, 0)),\n     ISNUMBER(MATCH('NonQM Program(LS)'!$U$23, K7:K10, 0))\n   )\n), 0.25, 0)","v":0},"Special "]
["Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection","Choose a Selection",null,"Full/Alt NOO & 2nd Home ≤75% LTV",null,{"$f":"IF(AND(OR('NonQM Program(LS)'!U10=B3:B8),OR('NonQM Program(LS)'!U12=C3:C4),OR('NonQM Program(LS)'!U22=L4:L6)),V4,V3)","v":"Not Applicable"}]
["780+","<=50","SELECT","Full Doc","None in this Dropdown","DTI ≤45% - All Doc Types","<$150,000","No PPP-States not allowed","Escrow Not Waived","Purchase","SFR","Primary","15YR Fixed","15 Day","Borrower Paid","US Citizen","Not Applicable1","No","No","All Other States",null,"Not Applicable",null,null,"Cash-Out/Debt Consol. FICO < 680",{"$f":"IF(AND(OR('NonQM Program(LS)'!U11=A9:A12),OR('NonQM Program(LS)'!U21=J5:J8)),VLOOKUP($Y$3,'NonQM Program(LS)'!$G$26:$I$66,3,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","$150,000-$1,000,000","No PPP-States that allow","Escrow Waived","Refinances","2 Units","Second Home","30YR Fixed","30 Day",null,"Permanent Resident","Not Applicable2","2:1 Buydown","Yes","Alaska",null,"Yes",null,null,"Not Applicable",null," "]
["740-759","55.01-60","SELECT - DSCR","DSCR","1099 Only","DTI ≥50% - All Doc Types",">$1,000,000","12 Months PPP",null,"Debt Consol. ≤ 70% LTV","3-4 Units","Full Doc - Non-Owner","30YR IO Fixed","45 Day",null,"Non Perm Resident","Not Applicable3","1:0 Buydown",null,"California",null,null,null,null,"Yes",null,null,null," "]
["720-739","60.01-65","Core DSCR (≥1.20)",null,"VOE Only","No DTI Program",">$1,500,000","24 Months PPP",null,"Debt Consol. >70% LTV","DSCR 5-8 Units","Non-Owner (Alt Doc/DSCR)","40YR IO Fixed","60 Day",null,"ITIN",null,null,null,"Maryland",null,null,null,null,null,null,null,null," "]
["700-719","65.01-70","Core DSCR (≥1.00)",null,"P&L w/ Bk Stmt",null,">$2,000,000","36 Months PPP",null,"Cash-Out ≤ 70% LTV","Condo",null,"40YR Fixed","75 Day",null,"Foreign Nat' With Fico",null,null,null,"Minnesota",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,">$2,500,000","48 Months PPP",null,"Cash-Out >70% LTV","FL Condo",null,"5/6 30YR ARM",null,null,null,null,null,null,"New Mexico",null,null,null,"z1 cell has 2 specials formulas",null,null,null,null," "]
["660-679","75.01-80","No Ratio DSCR - < 0.75  ",null,"DSCR STR",null,">$3,000,000","60 Months PPP",null,null,"NW Condo",null,"5/6 30YR IO ARM",null,null,null,null,null,null,"New Hampshire",null,null,null,null,null,null,null,null," "]
["640-659","80.01-85",null,null,null,null,">$3,500,000",null,null,null,"PUD",null,"5/6 40YR ARM",null,null,null,null,null,null,"Delaware",null,null,null,null,null,null,null,null," "]
["620-639","85.01-90",null,null,null,null,">$4,000,000",null,null,null,null,null,"7/6 30YR ARM",null,null,null,null,null,null,"Georgia"]
["600-619",null,null,null,null,null,null,null,null,null,null,null,"7/6 30YR IO ARM",null,null,null,null,null,null,"Illinois",null,null,null,null,null,null,null,null," "]
[null,null,"Reserves","Payment History","Credit Events",null,null,"Title Vesting",null,null,null,null,"7/6 40YR ARM",null,null,null,null,null,null,"Kansas",null,null,null,null,null,null,null,null," "]
[null,null,"Choose a Selection","Choose a Selection","Choose a Selection",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"New Jersey"]
[null,null,"< 3 Months","0x30x12","12 Months",null,null,"NJ Title Vested In LLC",null,null,null,null,null,null,null,null,null,null,null,"Baltimore City, MD / Essex County, NJ"]
[" 'NanQ ONE Program'!",null,"≥ 3 Months","1x30x12","24 Months",null,null,"NJ Title Vested In Corp",null,null,null,null,null,null,null,null,null,null,null,"North Carolina"]
["Feed(WS)'!",null,"≥ 6 Months","1x30x12 (DSCR)","36 Months"]
[null,null,"≥ 12 Months","1x60x12","48 Months"]
[null,null,null,"1x30x6","NONE"]
[null,null,null,"0x30x24"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,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 Program(LS)'!U10='Feed(WS)'!B6:B11),'NonQM Program(LS)'!U12=\"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,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,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",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4:$G$5, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4:$G$5, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 700+ purchase capped 80%",null,null,null,null,null,"All States PPP",null,null,null,null,null,null,null," "]
["Disqualifiers",null,null,null,null,"Preferred x Housing History",{"$f":"IF(AND(OR('NonQM Program(LS)'!U14=D15:D18),'NonQM Program(LS)'!U12=C3),NA(),\"\")","v":""},"Has to be 0x30x24",null,null,null,"Prop Type",{"$f":"IF(AND(OR('NonQM Program(LS)'!U23=K4:K5),'NonQM Program(LS)'!U12=C7,OR('NonQM Program(LS)'!U10=B10:B11)),NA(),\"\")","v":""},"2-4 Units is capped at 80% LTV",null,null,"FICO X Loan Amt X LTV X STANDARD",{"$f":"IF(AND('NonQM Program(LS)'!U11=A8,OR('NonQM Program(LS)'!U20=G6:G11),OR('NonQM Program(LS)'!U10=B10:B11),OR('NonQM Program(LS)'!U21=J3),'NonQM Program(LS)'!U12=C4),NA(),\"\")","v":""},"680 Standard, LTV 80.01-85% NA over 1 mil",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4:$G$5, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4:$G$5, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$12, $C$3:$C$9, 0)),\n   'NonQM Program(LS)'!$U$28 = $T$15\n), NA(), \"\")","v":""},"N/A for Baltimore City and Essex County",null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND('NonQM Program(LS)'!U18='Feed(WS)'!P6,'NonQM Program(LS)'!U10=B11),NA(),\"\")","v":""},"ITIN N/A for 85.01-90% LTV",null,null,"Reserves X Preferred",{"$f":"IF(AND(OR('NonQM Program(LS)'!U13=C15:C16),'NonQM Program(LS)'!U12=C3),NA(),\"\")","v":""},"Min 6 Months",null,null,null,"Prop Type",{"$f":"IF(AND(OR('NonQM Program(LS)'!U23=K4:K5),'NonQM Program(LS)'!U12=C7,OR('NonQM Program(LS)'!U10=B9:B11),OR('NonQM Program(LS)'!U21=J5:J8)),NA(),\"\")","v":""},"2-4 Units is capped at 75% LTV Cahshout (5% Reduction)",null,null,"FICO X Loan Amt X LTV X A+",{"$f":"IF(AND('NonQM Program(LS)'!U11=A8,OR('NonQM Program(LS)'!U20=G6),OR('NonQM Program(LS)'!U10=B10:B11),'NonQM Program(LS)'!U12=C4),NA(),\"\")","v":""},"680 FICO caps over 1.5MM to 2 MM 80% LTV",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4:$G$5, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4:$G$5, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 600+ Purchase capped 70%",null,null,null,null,null,null,null,null,null,null,null,null,null," "]
["ITIN",{"$f":"IF(AND('NonQM Program(LS)'!U18='Feed(WS)'!P6,OR('NonQM Program(LS)'!U11='Feed(WS)'!A10:A12)),NA(),\"\")","v":""},"ITIN minimum 660 Fico rule for all LTVs",null,null,"Occupancy",{"$f":"IF(AND(OR('NonQM Program(LS)'!U16=D5),'NonQM Program(LS)'!U12=C3),NA(),\"\")","v":""},"Select N/A s DSCR",null,null,null,"DSCR",{"$f":"IF(AND(OR('NonQM Program(LS)'!U11='Feed(WS)'!A3:A12),'NonQM Program(LS)'!U16='Feed(WS)'!D5,OR('NonQM Program(LS)'!U10='Feed(WS)'!B9:B11),OR('NonQM Program(LS)'!U21='Feed(WS)'!J5:J8)),NA(),\"\")","v":""},"DSCR 75% CAP on Cash out ",null,null,"FICO X Loan Amt X LTV X A+",{"$f":"IF(AND('NonQM Program(LS)'!U11=A8,OR('NonQM Program(LS)'!U20=G7),OR('NonQM Program(LS)'!U10=B9:B11),'NonQM Program(LS)'!U12=C4),NA(),\"\")","v":""},"680 FICO caps over 2MM to 2.5MM 75% LTV",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8:$G$11, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8:$G$11, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!U18='Feed(WS)'!P6,OR('NonQM Program(LS)'!U20='Feed(WS)'!G6:G9)),NA(),\"\")","v":""},"ITIN 0-1.5 mil loan amount max",null,null,"Occupancy",{"$f":"IF(AND(OR('NonQM Program(LS)'!U22=L4),'NonQM Program(LS)'!U12=C3,OR('NonQM Program(LS)'!U10=B9:B11)),NA(),\"\")","v":""},"Select  2nd Home Max 75%",null,null,null,"DSCR Select",{"$f":"IF(AND(OR('NonQM Program(LS)'!U12='Feed(WS)'!C5),OR('NonQM Program(LS)'!U23='Feed(WS)'!K4:K5,'NonQM Program(LS)'!U23='Feed(WS)'!K9)),NA(),\"\")","v":""},"NAs 2-4 Units/NW Codno",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND('NonQM Program(LS)'!U11=A8,OR('NonQM Program(LS)'!U20=G8),OR('NonQM Program(LS)'!U10=B8:B11),'NonQM Program(LS)'!U12=C4),NA(),\"\")","v":""},"680 FICO caps over 2.5MM to 3MM 70% LTV",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8:$G$11, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8:$G$11, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!U18='Feed(WS)'!P6,OR('NonQM Program(LS)'!U10=B10:B11),OR('NonQM Program(LS)'!U22=L5:L6)),NA(),\"\")","v":""},"ITIN N/A for 80.01-90% LTV on NOO",null,null,"Occupancy",{"$f":"IF(AND(OR('NonQM Program(LS)'!U22=L5:L6),'NonQM Program(LS)'!U12=C3,OR('NonQM Program(LS)'!U10=B9:B11)),NA(),\"\")","v":""},"Preferred  NOO Max 75%",null,null,null,"DSCR",{"$f":"IF(AND(OR('NonQM Program(LS)'!U12='Feed(WS)'!C8),'NonQM Program(LS)'!U16='Feed(WS)'!D5,OR('NonQM Program(LS)'!U11='Feed(WS)'!A11:A12)),NA(),\"\")","v":""},"No Ratio Nas on FICOs below 640",null,null,"FICO X Loan Amt X LTV X STANDARD",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!U10, B6:B11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!U20, G9:G11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!U11, A7:A8, 0)),ISNUMBER(MATCH('NonQM Program(LS)'!U21, J3:J4, 0)),\n   'NonQM Program(LS)'!U12 = C4\n), NA(), \"\")","v":""},"680-719 FICO caps at 60% LTV Pur/R&T",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8:$G$11, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8:$G$11, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 600+ purchase capped 70% >$2.5"]
[" Foreign National",{"$f":"IF(AND('NonQM Program(LS)'!U18='Feed(WS)'!P7,OR('NonQM Program(LS)'!U11='Feed(WS)'!A8:A12)),NA(),\"\")","v":""},"FN minimum 700 Fico rule",null,null,"Prop Type",{"$f":"IF(AND(OR('NonQM Program(LS)'!U23=K7),'NonQM Program(LS)'!U12=C3,OR('NonQM Program(LS)'!U10=B11)),NA(),\"\")","v":""},"Preferred Condo Max 85%",null,null,null,"DSCR Select",{"$f":"IF(AND(OR('NonQM Program(LS)'!U12='Feed(WS)'!C5),OR('NonQM Program(LS)'!U17='Feed(WS)'!E9)),NA(),\"\")","v":""},"Nas for Select DSCR STR",null,null,"FICO X Loan Amt X LTV X STANDARD",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!U10, B3:B11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!U20, G10:G11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!U11, A8, 0)),\n   'NonQM Program(LS)'!U12 = C4\n), NA(), \"\")","v":""},"680 FICO NA >3.5MM",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$3:$A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4:$G$5, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$3:$A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4:$G$5, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 700+ & 680+ R&T capped 80%",null,null,null,null,null,"PPP for all other states Investment",{"$f":"IF(AND(OR('NonQM Program(LS)'!U22=L5:L6),('NonQM Program(LS)'!U26=H3),OR('NonQM Program(LS)'!U28='Feed(WS)'!T3)),NA(),\"\")","v":""},"IF All Other States and NO PPP is chosen then it will N/A"]
["All PPPs",{"$f":"IF(AND(OR('NonQM Program(LS)'!U28=T7:T10,'NonQM Program(LS)'!U28=T4),OR('NonQM Program(LS)'!U26=H4:H9),OR('NonQM Program(LS)'!U22=L5:L6)),NA(),\"\")","v":""},"NA if PPP is selected for AK, ME,MI, NM",null,null,"Prop Type",{"$f":"IF(AND(OR('NonQM Program(LS)'!U23=K9),'NonQM Program(LS)'!U12=C3),NA(),\"\")","v":""},"Preferred N/A s NW Condo",null,null,null,"DSCR State",{"$f":"IF(AND('NonQM Program(LS)'!U16='Feed(WS)'!D5,OR('NonQM Program(LS)'!U28='Feed(WS)'!T4),OR('NonQM Program(LS)'!U20='Feed(WS)'!G7:G11)),NA(),\"\")","v":""},"DSCR 2MM cap for Georgia",null,null,"FICO X Loan Amt X LTV X STANDARD",{"$f":"IF(AND('NonQM Program(LS)'!U11=A7,OR('NonQM Program(LS)'!U20=G6:G11),OR('NonQM Program(LS)'!U10=B11),'NonQM Program(LS)'!U12=C4),NA(),\"\")","v":""},"700-719 FICO caps over 1.5MM 85% LTV",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 600+ Purchase capped 75%",null,null,null,null,null,"Maryland PPP",{"$f":"IF(AND(OR('NonQM Program(LS)'!U22=L5:L6),OR('NonQM Program(LS)'!U26=H3,'NonQM Program(LS)'!U26=H8:H9),OR('NonQM Program(LS)'!U28='Feed(WS)'!T6)),NA(),\"\")","v":""}]
[1099,{"$f":"IF(AND('NonQM Program(LS)'!U17=E5,OR('NonQM Program(LS)'!U20=G9:G11)),NA(),\"\")","v":""},"NA on 1099 over $3MM",null,null,"Prop Type",{"$f":"IF(AND(OR('NonQM Program(LS)'!U23=K4),'NonQM Program(LS)'!U12=C3,OR('NonQM Program(LS)'!U10=B10:B11)),NA(),\"\")","v":""},"2 Units is capped at 80% LTV",null,null,null,"DSCR",{"$f":"IF(AND(OR('NonQM Program(LS)'!U12='Feed(WS)'!C5,'NonQM Program(LS)'!U12='Feed(WS)'!C7:C8),'NonQM Program(LS)'!U16='Feed(WS)'!D5,OR('NonQM Program(LS)'!U10='Feed(WS)'!B10:B11)),NA(),\"\")","v":""},"DSCR >80%LTV needs ratio of 1.20 ",null,null,"FICO X Loan Amt X LTV X STANDARD",{"$f":"IF(AND('NonQM Program(LS)'!U11=A7,OR('NonQM Program(LS)'!U20=G8:G11),OR('NonQM Program(LS)'!U10=B9:B11),'NonQM Program(LS)'!U12=C4),NA(),\"\")","v":""},"700-719 FICO caps over 2.5MM 75% LTV",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 600+ cashout capped 70%"]
[" Foreign National",{"$f":"IF(AND('NonQM Program(LS)'!U18='Feed(WS)'!P7,OR('NonQM Program(LS)'!U20='Feed(WS)'!G7:G9)),NA(),\"\")","v":""},"FN 0-2 mil loan amount max",null,null,"Prop Type",{"$f":"IF(AND(OR('NonQM Program(LS)'!U23=K5),'NonQM Program(LS)'!U12=C3,OR('NonQM Program(LS)'!U10=B9:B11)),NA(),\"\")","v":""},"3-4 Units is capped at 75% LTV",null,null,null,"NJ PPP",{"$f":"IF(AND(OR('NonQM Program(LS)'!U27=H15),OR('NonQM Program(LS)'!U26=H4:H9),OR('NonQM Program(LS)'!U28='Feed(WS)'!T14:T14)),NA(),\"\")","v":""},"If NJ <> Vested in LLC ",null,null,"FICO X Loan Amt X LTV X STANDARD",{"$f":"IF(AND('NonQM Program(LS)'!U11=A7,OR('NonQM Program(LS)'!U20=G10:G11),OR('NonQM Program(LS)'!U10=B4:B11),'NonQM Program(LS)'!U12=C4),NA(),\"\")","v":""},"700-719 FICO cap over 3.5MM is 50% LTV",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$11:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$5, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$11:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$5, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x30x12  5% LTV reduction FICO 600+ cashout capped 65% >$1mm"]
["NAs >$4,000,000 ",{"$f":"IF('NonQM Program(LS)'!U20=G11,NA(),\"\")","v":""},null,null,null,"Prop Type",{"$f":"IF(AND(OR('NonQM Program(LS)'!U23=K8),OR('NonQM Program(LS)'!U10=B9:B11)),NA(),\"\")","v":""},"FL Condo Max LTV 75%",null,null,null,"NJ no PPP in Corp",{"$f":"IF(AND(OR('NonQM Program(LS)'!U27=H16),('NonQM Program(LS)'!U26=H3),OR('NonQM Program(LS)'!U28='Feed(WS)'!T14:T14)),NA(),\"\")","v":""},"If NJ Corp has to have PPP",null,null,"FICO X Loan Amt X LTV X STANDARD",{"$f":"IF(AND('NonQM Program(LS)'!U11=A6,OR('NonQM Program(LS)'!U20=G8:G11),OR('NonQM Program(LS)'!U10=B10:B11),'NonQM Program(LS)'!U12=C4),NA(),\"\")","v":""},"720-739 FICO cap over 2.5MM 75% LTV",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 600+ purchase capped 70%",null,null,null,null,null,"DSCR 5-8 40 Yr I/O",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$24='Feed(WS)'!$M$6),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6),NA(),\"\")","v":""},null,null,null,null,null,null," "]
["85.01-90% LTV",{"$f":"IF(AND('NonQM Program(LS)'!U10='Feed(WS)'!B11,'NonQM Program(LS)'!U12='Feed(WS)'!C4,OR('NonQM Program(LS)'!U22='Feed(WS)'!L4:L6)),NA(),\"\")","v":""},"A+ / NOO - 2nd home / 85.01-90%",null,null,"Loan Term",{"$f":"IF(AND('NonQM Program(LS)'!U12=C3,OR('NonQM Program(LS)'!U24=M8:M13,OR('NonQM Program(LS)'!U24=M5:M6))),NA(),\"\")","v":""},"Select N/A s 15Year, ARMS, IO, and 40 Year",null,null,null,"LLC PPP",{"$f":"IF(AND(OR('NonQM Program(LS)'!U27=H15),('NonQM Program(LS)'!U26=H3),('NonQM Program(LS)'!U28='Feed(WS)'!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",{"$f":"IF(AND('NonQM Program(LS)'!U11=A6,OR('NonQM Program(LS)'!U20=G9:G11),OR('NonQM Program(LS)'!U10=B8:B11),'NonQM Program(LS)'!U12=C4),NA(),\"\")","v":""},"720-739 FICO cap over 3MM 70% LTV",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12  5% LTV reduction FICO 600-679 Cashout capped 65%",null,null,null,null,null,"DSCR 5-8 Escrow",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$25='Feed(WS)'!$I$4),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6),NA(),\"\")","v":""},"Must have impounds/escrows",null,null,null,null,null," "]
["C Grade >70%",null,"C Grade /  >70% LTV",null,null,"Preferred X Cash out",{"$f":"IF(AND('NonQM Program(LS)'!U12=C3,OR('NonQM Program(LS)'!U10=B9:B11),OR('NonQM Program(LS)'!U21=J5:J8)),NA(),\"\")","v":""},"Cash Out caps LTV at 75%",null,null,null,"Corp No state",{"$f":"IF(AND(OR('NonQM Program(LS)'!U27=H16),('NonQM Program(LS)'!U26=H3),('NonQM Program(LS)'!U28='Feed(WS)'!T3)),NA(),\"\")","v":""},"If Vesting=corp, and state is ALL, and NO PPP then NA",null,null,"FICO X Loan Amt X LTV X STANDARD",{"$f":"IF(AND('NonQM Program(LS)'!U11=A6,OR('NonQM Program(LS)'!U20=G10:G11),OR('NonQM Program(LS)'!U10=B6:B11),'NonQM Program(LS)'!U12=C4),NA(),\"\")","v":""},"720-739 FICO cap over 3.5MM 60% LTV",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$3:$A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4:$G$5, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$3:$A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4:$G$5, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 700+ CASHOUT Max 70%",null,null,null,null,null,"Sub 1 Ratio 70%",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$7:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$8), NA(), \"\")","v":""},"No Ratio Pur/R&T N/A >70%",null,null,null,null,null," "]
["PPP >80% LTV",{"$f":"IF(AND(OR('NonQM Program(LS)'!U10='Feed(WS)'!B10:B11),OR('NonQM Program(LS)'!U22='Feed(WS)'!L5:L6),OR('NonQM Program(LS)'!U26='Feed(WS)'!H2:H4)),NA(),\"\")","v":""},"80.01-90% / NOO / PPP required",null,null,"Preferred X Loan Amount",{"$f":"IF(AND('NonQM Program(LS)'!U12=C3,OR('NonQM Program(LS)'!U20=G9:G11,'NonQM Program(LS)'!U20=G3)),NA(),\"\")","v":""},"No Select over 3MM or Below <150k",null,null,null,"Vesting Blank",{"$f":"IF(AND(OR('NonQM Program(LS)'!U27=H14),OR('NonQM Program(LS)'!U26=H4:H9),('NonQM Program(LS)'!U28='Feed(WS)'!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",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!U10, B7:B11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!U20, G10:G11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!U11, A3:A6, 0)),\n   'NonQM Program(LS)'!U12 = C4\n), NA(), \"\")","v":""},"740+ FICO cap over 3.5MM 65% LTV",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$5, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$5, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 700+ CASHOUT Max 70% >1mm",null,null,null,null,null,"Max LTV Sub 1",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$3:$A$6, 0)),\n   'NonQM Program(LS)'!$U$21 = $J$3,\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!U11=A10:A12),'NonQM Program(LS)'!U12=C4),NA(),\"\")","v":""},null,"FICO X Preferred",{"$f":"IF(AND(OR('NonQM Program(LS)'!U11=A9:A12),'NonQM Program(LS)'!U12=C3),NA(),\"\")","v":""},"680 FICO minimum",null,null,null,"DSCR 5-8 Units",{"$f":"IF(AND(OR('NonQM Program(LS)'!U24='Feed(WS)'!D3:D4),OR('NonQM Program(LS)'!U31='Feed(WS)'!K6,'NonQM Program(LS)'!U31='Feed(WS)'!K6)),NA(),\"\")","v":""},"NAs Alt, Full for 5-8 Units",null,null,"FICO X Loan Amt X LTV X STANDARD",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!U11, A11:A12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!U10, B9:B11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!U21, J3:J4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!U20, G5, 0)),\n   'NonQM Program(LS)'!U12 = C4\n), NA(), \"\")","v":""},"600+ FICO cap over 1mm 75% Purchase & R&T",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$9:$A$10, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$5, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$9:$A$10, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$5, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 640-679 CASHOUT Max 65% >1mm",null,null,null,null,null,"No Ratio Cashout",{"$f":"IF(AND(OR('NonQM Program(LS)'!U12='Feed(WS)'!C8),'NonQM Program(LS)'!U16='Feed(WS)'!D5,OR('NonQM Program(LS)'!U10='Feed(WS)'!B7:B11),OR('NonQM Program(LS)'!U21='Feed(WS)'!J5:J8)),NA(),\"\")","v":""},"No Ratio Cashout N/A >65%",null,null,null,null,null," "]
["85.01-90% LTV 1.5mil cap",{"$f":"IF(AND('NonQM Program(LS)'!U10=B11,OR('NonQM Program(LS)'!U20=G6:G11)),NA(),\"\")","v":""},"90% LTV Max loan amount is 1.5MM, so >1.5 and >2 and >3 is “NA”",null,null,"FICO X Loan Amt X LTV X Preferred",{"$f":"IF(AND('NonQM Program(LS)'!U11=A8,OR('NonQM Program(LS)'!U20=G4:G11),OR('NonQM Program(LS)'!U10=B10:B11),'NonQM Program(LS)'!U12=C3),NA(),\"\")","v":""},"680-699 FICO caps 1 MM at 80% LTV",null,null,null,"DSCR 5-8 Purchase 720 1.5MM",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$11='Feed(WS)'!$A$3:$A$6),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6,OR('NonQM Program(LS)'!$U$20=$G$3:$G$5),OR('NonQM Program(LS)'!$U$10='Feed(WS)'!$B$9:$B$11),OR('NonQM Program(LS)'!$U$21='Feed(WS)'!$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >720 1.5MM 75 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!U11, A11:A12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!U10, B3:B11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!U21, J3:J8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!U20, G6:G11, 0)),\n   'NonQM Program(LS)'!U12 = C4\n), NA(), \"\")","v":""},"600-639 NA Over 1.5MM",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$11:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$5, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$11:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$5, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12  5% LTV reduction FICO 600-639 Purchase Max 65% >1mm",null,null,null,null,null,"No Ratio Property Type",{"$f":"IF(AND(OR('NonQM Program(LS)'!U12='Feed(WS)'!C8),'NonQM Program(LS)'!U16='Feed(WS)'!D5,OR('NonQM Program(LS)'!U10='Feed(WS)'!B6:B11),OR('NonQM Program(LS)'!U21='Feed(WS)'!J3:J4), OR('NonQM Program(LS)'!U23='Feed(WS)'!K4:K9)),NA(),\"\")","v":""},"No Ratio Pur/R&T N/A >60% Condo",null,null,null,null,null," "]
["80.01-85% LTV 2mil cap",{"$f":"IF(AND('NonQM Program(LS)'!U10=B10,OR('NonQM Program(LS)'!U20=G7:G11)),NA(),\"\")","v":""},"85% LTV Max Loan Amount is 2.0MM so >2 is “NA”",null,null,"FICO X Loan Amt X LTV X Preferred",{"$f":"IF(AND('NonQM Program(LS)'!U11=A8,OR('NonQM Program(LS)'!U20=G5:G11),OR('NonQM Program(LS)'!U10=B9:B11),'NonQM Program(LS)'!U12=C3),NA(),\"\")","v":""},"680-699 FICO caps over 1 MM at 75% LTV",null,null,null,"DSCR 5-8 Purchase 700 1.5MM",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$11='Feed(WS)'!$A$7),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6,OR('NonQM Program(LS)'!$U$20=$G$3:$G$5),OR('NonQM Program(LS)'!$U$10='Feed(WS)'!$B$9:$B$11),OR('NonQM Program(LS)'!$U$21='Feed(WS)'!$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >700 1.5MM 75 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!U11, A10, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!U10, B3:B11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!U21, J3:J8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!U20, G7:G11, 0)),\n   'NonQM Program(LS)'!U12 = C4\n), NA(), \"\")","v":""},"640-659 NA Over 2MM",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$3:$A$5, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$3:$A$5, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12  10% LTV reduction FICO 740+ Purchase Max 75% >1.5mm",null,null,null,null,null,"No Ratio Proper Type",{"$f":"IF(AND(OR('NonQM Program(LS)'!U12='Feed(WS)'!C8),'NonQM Program(LS)'!U16='Feed(WS)'!D5,OR('NonQM Program(LS)'!U10='Feed(WS)'!B5:B11),OR('NonQM Program(LS)'!U21='Feed(WS)'!J5:J8), OR('NonQM Program(LS)'!U23='Feed(WS)'!K4:K9)),NA(),\"\")","v":""},"No Ratio Cashout N/A >55% Condo",null,null,null,null,null," "]
["70% LTV 3-4 mil cap",{"$f":"IF(AND(OR('NonQM Program(LS)'!U10=B8:B11),OR('NonQM Program(LS)'!U20=G9:G11)),NA(),\"\")","v":""},"70% LTV Max so >3->4 is “NA”",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program(LS)'!U11=A8,OR('NonQM Program(LS)'!U20=G7:G11),OR('NonQM Program(LS)'!U10=B7:B11),'NonQM Program(LS)'!U12=C3),NA(),\"\")","v":""},"680-699 FICO caps over 2 MM at 65% LTV",null,null,null,"DSCR 5-8 Purchase 680 1.5MM",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$11='Feed(WS)'!$A$8),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6,OR('NonQM Program(LS)'!$U$20=$G$3:$G$5),OR('NonQM Program(LS)'!$U$10='Feed(WS)'!$B$8:$B$11),OR('NonQM Program(LS)'!$U$21='Feed(WS)'!$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >680 1.5MM 70 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!U11, A8:A9, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!U10, B3:B11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!U21, J3:J8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!U20, G10:G11, 0)),\n   'NonQM Program(LS)'!U12 = C4\n), NA(), \"\")","v":""},"680-699 NA Over 3.5MM",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$3:$A$5, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$3:$A$5, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!U10=B11),OR('NonQM Program(LS)'!U23=K7),OR('NonQM Program(LS)'!U12=C4:C8)),NA(),\"\")","v":""},"85% Max for Condo",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program(LS)'!U11=A8,OR('NonQM Program(LS)'!U20=G8:G11),OR('NonQM Program(LS)'!U10=B6:B11),'NonQM Program(LS)'!U12=C3),NA(),\"\")","v":""},"680-699 FICO caps over 2.5 MM at 60% LTV",null,null,null,"DSCR 5-8 Purchase 720 2.0MM",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$11='Feed(WS)'!$A$3:$A$6),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6,OR('NonQM Program(LS)'!$U$20=$G$6:$G$11),OR('NonQM Program(LS)'!$U$10='Feed(WS)'!$B$8:$B$11),OR('NonQM Program(LS)'!$U$21='Feed(WS)'!$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >720 2.0MM 70 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"600-679 FICO NA over 75% Cashout",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$6, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$6, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!U10=B11),OR('NonQM Program(LS)'!U23=K4)),NA(),\"\")","v":""},"85% Max for 2 Units",null,null,"FICO X Loan Amt X LTV X Preferred",{"$f":"IF(AND('NonQM Program(LS)'!U11=A7,OR('NonQM Program(LS)'!U20=G4:G11),OR('NonQM Program(LS)'!U10=B11),'NonQM Program(LS)'!U12=C3),NA(),\"\")","v":""},"700-719 FICO caps  1 MM at 85% LTV",null,null,null,"DSCR 5-8 Purchase 700 2.0MM",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$11='Feed(WS)'!$A$7),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6,OR('NonQM Program(LS)'!$U$20=$G$6:$G$11),OR('NonQM Program(LS)'!$U$10='Feed(WS)'!$B$8:$B$11),OR('NonQM Program(LS)'!$U$21='Feed(WS)'!$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >700 2.0MM 70 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$9:$A$10, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$5, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$6, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$6, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!U10=B9:B11),OR('NonQM Program(LS)'!U23=K9)),NA(),\"\")","v":""},"75% Max for NW Condo",null,null,"FICO X Loan Amt X LTV X Preferred",{"$f":"IF(AND('NonQM Program(LS)'!U11=A7,OR('NonQM Program(LS)'!U20=G5:G11),OR('NonQM Program(LS)'!U10=B10:B11),'NonQM Program(LS)'!U12=C3),NA(),\"\")","v":""},"700-719 FICO caps over 1 MM at 80% LTV",null,null,null,"DSCR 5-8 Purchase 680 2.0MM",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$11='Feed(WS)'!$A$8),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6,OR('NonQM Program(LS)'!$U$20=$G$6),OR('NonQM Program(LS)'!$U$10='Feed(WS)'!$B$7:$B$11),OR('NonQM Program(LS)'!$U$21='Feed(WS)'!$J$3)),NA(),\"\")","v":""},"DSCR 5-8 Purchase >680 2.0MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$11:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$5, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$3:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$3:$G$11, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4,\n   'NonQM Program(LS)'!$U$17 = $E$8\n), NA(), \"\")","v":""},"80% MAX LTV",null,null,null,null,null," "]
["3-4 Unit 80% LTV Cap",{"$f":"IF(AND(OR('NonQM Program(LS)'!U10=B10:B11),OR('NonQM Program(LS)'!U23=K5)),NA(),\"\")","v":""},"80% Max for 3-4 Units",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program(LS)'!U11=A7,OR('NonQM Program(LS)'!U20=G6:G11),OR('NonQM Program(LS)'!U10=B9:B11),'NonQM Program(LS)'!U12=C3),NA(),\"\")","v":""},"700-719 FICO caps over 1.5 MM at 75% LTV",null,null,null,"DSCR 5-8 Cashout 720 1.5MM",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$11='Feed(WS)'!$A$3:$A$6),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6,OR('NonQM Program(LS)'!$U$20=$G$3:$G$5),OR('NonQM Program(LS)'!$U$10='Feed(WS)'!$B$7:$B$11),OR('NonQM Program(LS)'!$U$21='Feed(WS)'!$J$5:$J$8)),NA(),\"\")","v":""},"DSCR 5-8 Cashout >720 1.5MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$10:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$3:$B$11, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4,\n   'NonQM Program(LS)'!$U$17 = $E$8\n), NA(), \"\")","v":""},"660 Min FICO",null,null,null,null,null," "]
["DSCR",{"$f":"IF(AND(OR('NonQM Program(LS)'!U10=B8:B11),OR('NonQM Program(LS)'!U11=A11:A12),'NonQM Program(LS)'!U16=D5),NA(),\"\")","v":""},"DSCR >70% LTV 620 FICO cap",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program(LS)'!U11=A7,OR('NonQM Program(LS)'!U20=G8:G11),OR('NonQM Program(LS)'!U10=B7:B11),'NonQM Program(LS)'!U12=C3),NA(),\"\")","v":""},"700-719 FICO caps over 2.5 MM at 65% LTV",null,null,null,"DSCR 5-8 Cashout 700 1.5MM",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$11='Feed(WS)'!$A$7),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6,OR('NonQM Program(LS)'!$U$20=$G$3:$G$5),OR('NonQM Program(LS)'!$U$10='Feed(WS)'!$B$7:$B$11),OR('NonQM Program(LS)'!$U$21='Feed(WS)'!$J$5:$J$8)),NA(),\"\")","v":""},"DSCR 5-8 Cashout >700 1.5MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$20, $G$8:$G$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$3:$B$11, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4,\n   'NonQM Program(LS)'!$U$17 = $E$8\n), NA(), \"\")","v":""},"2.5MM Max",null,null,null,null,null," "]
["DSCR",{"$f":"IF(AND(OR('NonQM Program(LS)'!U10='Feed(WS)'!B10:B11),'NonQM Program(LS)'!U16='Feed(WS)'!D5,OR('NonQM Program(LS)'!U23='Feed(WS)'!K4:K7)),NA(),\"\")","v":""},"DSCR >80% 3-4 Units/Condo",null,null,"FICO X Loan Amt X LTV X Preferred",{"$f":"IF(AND('NonQM Program(LS)'!U11=A6,OR('NonQM Program(LS)'!U20=G4:G11),OR('NonQM Program(LS)'!U10=B11),'NonQM Program(LS)'!U12=C3),NA(),\"\")","v":""},"720-739 FICO caps caps 1.5 MM at 85% LTV",null,null,null,"DSCR 5-8 Cashout 680 1.5MM",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$11='Feed(WS)'!$A$8),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6,OR('NonQM Program(LS)'!$U$20=$G$3:$G$5),OR('NonQM Program(LS)'!$U$10='Feed(WS)'!$B$6:$B$11),OR('NonQM Program(LS)'!$U$21='Feed(WS)'!$J$5:$J$8)),NA(),\"\")","v":""},"DSCR 5-8 Cashout >680 1.5MM 60 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$9:$A$10, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$15, $E$15:$E$16, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4,\n   'NonQM Program(LS)'!$U$17 = $E$8\n), NA(), \"\")","v":""},"Min 36 Months",null,null,null,null,null," "]
["DSCR",{"$f":"IF(AND(OR('NonQM Program(LS)'!U11='Feed(WS)'!A7:A12),'NonQM Program(LS)'!U16='Feed(WS)'!D5,OR('NonQM Program(LS)'!U10='Feed(WS)'!B9:B11),OR('NonQM Program(LS)'!U21='Feed(WS)'!J5:J8)),NA(),\"\")","v":""},"DSCR 75% CAP on Cash out FICO <720",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program(LS)'!U11=A6,OR('NonQM Program(LS)'!U20=G6:G11),OR('NonQM Program(LS)'!U10=B10:B11),'NonQM Program(LS)'!U12=C3),NA(),\"\")","v":""},"720-739 FICO caps over 1.5 MM and 80% LTV",null,null,null,"DSCR 5-8 Cashout 720 2.0MM",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$11='Feed(WS)'!$A$3:$A$6),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6,OR('NonQM Program(LS)'!$U$20=$G$6),OR('NonQM Program(LS)'!$U$10='Feed(WS)'!$B$7:$B$11),OR('NonQM Program(LS)'!$U$21='Feed(WS)'!$J$5:$J$8)),NA(),\"\")","v":""},"DSCR 5-8 Cashout >720 2.0MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$9:$A$10, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$9:$A$10, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$9:$A$10, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$14, $D$18:$D$19, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4,\n   'NonQM Program(LS)'!$U$17 = $E$8\n), NA(), \"\")","v":""},"Max allowed is 1x30x12",null,null,null,null,null," "]
["DTI >45%",{"$f":"IF(AND('NonQM Program(LS)'!U10=B11,'NonQM Program(LS)'!U19=F4,OR('NonQM Program(LS)'!U12=C4:C8)),NA(),\"\")","v":""},"DTIs over 45% can't pair with LTVs 85.01-90%",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND('NonQM Program(LS)'!U11=A6,OR('NonQM Program(LS)'!U20=G7:G11),OR('NonQM Program(LS)'!U10=B9:B11),'NonQM Program(LS)'!U12=C3),NA(),\"\")","v":""},"720-739 FICO caps over 2 MM and 75% LTV",null,null,null,"DSCR 5-8 Cashout 700 2.0MM",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$11='Feed(WS)'!$A$7),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6,OR('NonQM Program(LS)'!$U$20=$G$6),OR('NonQM Program(LS)'!$U$10='Feed(WS)'!$B$7:$B$11),OR('NonQM Program(LS)'!$U$21='Feed(WS)'!$J$5:$J$8)),NA(),\"\")","v":""},"DSCR 5-8 Cashout >700 2.0MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$7, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"700+ FICO NA over 80% Cashout >2mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$9:$A$10, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$9:$A$10, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$6, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!U10=B10:B11),OR('NonQM Program(LS)'!U24=M5:M6,'NonQM Program(LS)'!U24=M9,'NonQM Program(LS)'!U24=M12)),NA(),\"\")","v":""},"NA for any IO over 80% LTV",null,null,"FICO X Loan Amt X LTV X Preferred",{"$f":"IF(AND(OR('NonQM Program(LS)'!U11=A3:A5),OR('NonQM Program(LS)'!U20=G4:G11),OR('NonQM Program(LS)'!U10=B11),'NonQM Program(LS)'!U12=C3),NA(),\"\")","v":""},"740+ FICO caps  2 MM at 85% LTV",null,null,null,"DSCR 5-8 Cashout 680 2.0MM",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$11='Feed(WS)'!$A$8),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6,OR('NonQM Program(LS)'!$U$20=$G$6),OR('NonQM Program(LS)'!$U$10='Feed(WS)'!$B$6:$B$11),OR('NonQM Program(LS)'!$U$21='Feed(WS)'!$J$5:$J$8)),NA(),\"\")","v":""},"DSCR 5-8 Cashout >680 2.0MM 60 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$7, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$7, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$7, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!U9=0,\"\",IF(AND(OR('NonQM Program(LS)'!U20=G7:G11),'NonQM Program(LS)'!U9<E152),NA(),\"\"))","v":""},"NA for rates below min rate",null,null,"FICO X Loan Amt X LTV X Select",{"$f":"IF(AND(OR('NonQM Program(LS)'!U11=A3:A5),OR('NonQM Program(LS)'!U20=G8:G11),OR('NonQM Program(LS)'!U10=B9:B11),'NonQM Program(LS)'!U12=C3),NA(),\"\")","v":""},"740+ FICO caps  over 2.5 MM at 75% LTV",null,null,null,"DSCR 5-8 RateTerm 720 1.5MM",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$11='Feed(WS)'!$A$3:$A$6),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6,OR('NonQM Program(LS)'!$U$20=$G$3:$G$5),OR('NonQM Program(LS)'!$U$10='Feed(WS)'!$B$9:$B$11),OR('NonQM Program(LS)'!$U$21='Feed(WS)'!$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >720 1.5MM 75 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$9, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$7, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$7, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$3:$A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$7, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$9=0,\"\",IF(AND(OR('NonQM Program(LS)'!$U$18=$P$6:$P$7),'NonQM Program(LS)'!$U$9<$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 Program(LS)'!U11=A8),OR('NonQM Program(LS)'!U20=G5:G11),OR('NonQM Program(LS)'!U10=B8:B11),'NonQM Program(LS)'!U12=C3,OR('NonQM Program(LS)'!U21=J5:J8)),NA(),\"\")","v":""},"680-699 FICO caps over 1 MM at 70% LTV Cash Out",null,null,null,"DSCR 5-8 RateTerm 700 1.5MM",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$11='Feed(WS)'!$A$7),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6,OR('NonQM Program(LS)'!$U$20=$G$3:$G$5),OR('NonQM Program(LS)'!$U$10='Feed(WS)'!$B$7:$B$11),OR('NonQM Program(LS)'!$U$21='Feed(WS)'!$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >700 1.5MM 75 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$9, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$7, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$7, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$7, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!U28=T5),OR('NonQM Program(LS)'!U26=H3),OR('NonQM Program(LS)'!U22=L5:L6)),NA(),\"\")","v":""},null,null,null,"FICO X Loan Amt X LTV X Select X Cash",{"$f":"IF(AND(OR('NonQM Program(LS)'!U11=A8),OR('NonQM Program(LS)'!U20=G7:G11),OR('NonQM Program(LS)'!U10=B6:B11),'NonQM Program(LS)'!U12=C3,OR('NonQM Program(LS)'!U21=J5:J8)),NA(),\"\")","v":""},"680-699 FICO caps over 2 MM at 60% LTV Cash Out",null,null,null,"DSCR 5-8 RateTerm 680 1.5MM",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$11='Feed(WS)'!$A$8),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6,OR('NonQM Program(LS)'!$U$20=$G$6:$G$11),OR('NonQM Program(LS)'!$U$10='Feed(WS)'!$B$7:$B$11),OR('NonQM Program(LS)'!$U$21='Feed(WS)'!$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >680 1.5MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$3:$A$6, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$7, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$7, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12 10% LTV reduction FICO 680-699 Cashout Max 60% >2mm",null,null,null,null,null,"Min FICO for NO RATIO",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$8:$A$12, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$9\n), NA(), \"\")","v":""},"700 Min FICO"]
["Total",{"$f":"SUM(B39:B66)+SUM(G38:G76)+SUM(M38:M76)+SUM(R38:R81)+SUM(AH38:AH88)+SUM(Z37:Z124)+SUM(V37:V91)","v":0},null,null,null,"FICO X Loan Amt X LTV X Select X Cash",{"$f":"IF(AND(OR('NonQM Program(LS)'!U11=A7),OR('NonQM Program(LS)'!U20=G6:G11),OR('NonQM Program(LS)'!U10=B8:B11),'NonQM Program(LS)'!U12=C3,OR('NonQM Program(LS)'!U21=J5:J8)),NA(),\"\")","v":""},"700-719 FICO caps over 1.5 MM at 70% LTV Cash Out",null,null,null,"DSCR 5-8 RateTerm 720 2.0MM",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$11='Feed(WS)'!$A$3:$A$6),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6,OR('NonQM Program(LS)'!$U$20=$G$6:$G$11),OR('NonQM Program(LS)'!$U$10='Feed(WS)'!$B$8:$B$11),OR('NonQM Program(LS)'!$U$21='Feed(WS)'!$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >720 2.0MM 70 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$3:$A$6, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$3:$A$6, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 720+ Purchase Max 65% >2.5mm",null,null,null,null,null,"Max LTV 700-719",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   'NonQM Program(LS)'!$U$11 = $A$7,\n   'NonQM Program(LS)'!$U$21 = $J$3,\n   'NonQM Program(LS)'!$U$20 = $G$4,\n   'NonQM Program(LS)'!$U$12 = $C$9\n), NA(), \"\")","v":""},"65% Purchase 1MM max"]
["Occupancy",null,null,null,null,"FICO X Loan Amt X LTV X Select X Cash",{"$f":"IF(AND(OR('NonQM Program(LS)'!U11=A7),OR('NonQM Program(LS)'!U20=G8:G11),OR('NonQM Program(LS)'!U10=B6:B11),'NonQM Program(LS)'!U12=C3,OR('NonQM Program(LS)'!U21=J5:J8)),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",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$11='Feed(WS)'!$A$7),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6,OR('NonQM Program(LS)'!$U$20=$G$6:$G$11),OR('NonQM Program(LS)'!$U$10='Feed(WS)'!$B$7:$B$11),OR('NonQM Program(LS)'!$U$21='Feed(WS)'!$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >700 2.0MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$3:$A$6, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$3:$A$6, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 720+ Cashout Max 55% >2.5mm",null,null,null,null,null,"Max LTV 700-719",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   'NonQM Program(LS)'!$U$11 = $A$7,\n   'NonQM Program(LS)'!$U$21 = $J$4,\n   'NonQM Program(LS)'!$U$20 = $G$4,\n   'NonQM Program(LS)'!$U$12 = $C$9\n), NA(), \"\")","v":""},"65% Refi R&T 1MM"]
[{"$f":"IF(AND('NonQM Program(LS)'!U21='Feed(WS)'!J3,OR('NonQM Program(LS)'!U10='Feed(WS)'!B10:B11),'NonQM Program(LS)'!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",{"$f":"IF(AND(OR('NonQM Program(LS)'!U11=A6),OR('NonQM Program(LS)'!U20=G7:G11),OR('NonQM Program(LS)'!U10=B8:B11),'NonQM Program(LS)'!U12=C3,OR('NonQM Program(LS)'!U21=J5:J8)),NA(),\"\")","v":""},"720-739 FICO caps over 2 MM at 70% LTV Cash Out",null,null,null,"DSCR 5-8 RateTerm 680 2.0MM",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$11='Feed(WS)'!$A$8),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6,OR('NonQM Program(LS)'!$U$20=$G$6),OR('NonQM Program(LS)'!$U$10='Feed(WS)'!$B$7:$B$11),OR('NonQM Program(LS)'!$U$21='Feed(WS)'!$J$4)),NA(),\"\")","v":""},"DSCR 5-8 RateTerm >680 2.0MM 65 LTV",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 700-719 Purchase Max 60% >2.5mm",null,null,null,null,null,"Max LTV 700-719",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   'NonQM Program(LS)'!$U$11 = $A$7,\n   'NonQM Program(LS)'!$U$20 = $G$4,\n   'NonQM Program(LS)'!$U$12 = $C$9\n), NA(), \"\")","v":""},"60% Cashout 1MM"]
[{"$f":"IF(AND('NonQM Program(LS)'!U10='Feed(WS)'!B10,'NonQM Program(LS)'!U12='Feed(WS)'!C4,OR('NonQM Program(LS)'!U11='Feed(WS)'!A3:A6),'NonQM Program(LS)'!U21='Feed(WS)'!J3,'NonQM Program(LS)'!U22='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",{"$f":"IF(AND(OR('NonQM Program(LS)'!U11=A3:A5),OR('NonQM Program(LS)'!U20=G8:G11),OR('NonQM Program(LS)'!U10=B8:B11),'NonQM Program(LS)'!U12=C3,OR('NonQM Program(LS)'!U21=J5:J8)),NA(),\"\")","v":""},"740+ FICO caps over 2.5 MM at 70% LTV Cash Out",null,null,null,"DSCR 5-8 any FICO",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$11='Feed(WS)'!$A$3:$A$12),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6,OR('NonQM Program(LS)'!$U$20=$G$7:$G$11)),NA(),\"\")","v":""},"5-8 any FICO >2.0mm NA",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$5:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$5:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 700-719 Cashout Max 55% >2.5mm",null,null,null,null,null,"Max LTV 720+",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$3:$A$6, 0)),\n   'NonQM Program(LS)'!$U$21 = $J$3,\n   'NonQM Program(LS)'!$U$20 = $G$4,\n   'NonQM Program(LS)'!$U$12 = $C$9\n), NA(), \"\")","v":""},"70% Purchase 1MM"]
[{"$f":"OR('NonQM Program(LS)'!U10='Feed(WS)'!B3:B9)","v":false},"<80% LTV's",null,null,null,"Purpose X LTV",{"$f":"IF(AND(OR('NonQM Program(LS)'!U10=B10:B11),'NonQM Program(LS)'!U12=C3,OR('NonQM Program(LS)'!U21=J4)),NA(),\"\")","v":""},"Rate/Term caps at 80% LTV",null,null,null,"DSCR 5-8 below 680",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$11='Feed(WS)'!$A$9:$A$12),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6,OR('NonQM Program(LS)'!$U$20=$G$3:$G$11)),NA(),\"\")","v":""},"5-8 below 680 NA",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$3:$A$6, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$9, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"720+ FICO NA over 65% Cashout >3mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$5:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 680-699 Purchase Max 55.% >2.5mm",null,null,null,null,null,"Max LTV 720+",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$3:$A$6, 0)),\n   'NonQM Program(LS)'!$U$21 = $J$4,\n   'NonQM Program(LS)'!$U$20 = $G$4,\n   'NonQM Program(LS)'!$U$12 = $C$9\n),NA(), \"\")","v":""},"65% R&T 1MM"]
[{"$f":"IF(AND('NonQM Program(LS)'!U10='Feed(WS)'!B10,'NonQM Program(LS)'!U16='Feed(WS)'!D5,'NonQM Program(LS)'!U12='Feed(WS)'!C7,OR('NonQM Program(LS)'!U11=A3:A6),OR('NonQM Program(LS)'!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",{"$f":"IF(AND('NonQM Program(LS)'!U12=C3,OR('NonQM Program(LS)'!U17=E4:E6)),NA(),\"\")","v":""},"NA for Asset Utilization, 1099, and VOE",null,null,null,"DSCR 5-8 SELECT",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U$12='Feed(WS)'!$C$5),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6),NA(),\"\")","v":""},"5-8 SELECT is NA",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$7:$A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$5:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$9, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$5:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$4:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 680-699 Cashout Max 50% >2.5mm",null,null,null,null,null,"Max LTV 720+",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$3:$A$6, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   'NonQM Program(LS)'!$U$20 = $G$4,\n   'NonQM Program(LS)'!$U$12 = $C$9\n), NA(), \"\")","v":""},"60% Cashout 1MM"]
[{"$f":"IF(AND(OR('NonQM Program(LS)'!U21='Feed(WS)'!J3:J8),OR('NonQM Program(LS)'!U10='Feed(WS)'!B10:B11),'NonQM Program(LS)'!U12='Feed(WS)'!C3),TRUE(),FALSE)","v":false},"80.01 - 90%/ Select",null,null,null,"DTI cap",{"$f":"IF(AND(OR('NonQM Program(LS)'!U19=F4:F6),OR('NonQM Program(LS)'!U12=C3)),NA(),\"\")","v":""},"Preferred caps over 45% DTI",null,null,null,"DSCR 5-8 I/O",{"$f":"IF(AND(OR('NonQM Program(LS)'!$U24=$M6:$M7,'NonQM Program(LS)'!$U24=$M8:$M10,'NonQM Program(LS)'!$U24=$M11:$M13),'NonQM Program(LS)'!$U$23='Feed(WS)'!$K$6),NA(),\"\")","v":""},"5-8 Only Allow 30 Yr Fixed I/O for I/O Option & No 40 Yr Options",null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$4:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$9, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$9, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$4:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$9, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$3:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 660-679 Purchase Max 45% >2.5mm\n\nHave it to NA so its manually priced",null,null,null,null,null,"Mtg lates",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$3:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$3:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16:$D$19, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$9\n), NA(), \"\")","v":""},"Up to 0x30x12 allowed"]
[{"$f":"IF(AND('NonQM Program(LS)'!U21='Feed(WS)'!J4,OR('NonQM Program(LS)'!U10='Feed(WS)'!B10),'NonQM Program(LS)'!U12='Feed(WS)'!C4),TRUE(),FALSE)","v":false},"80.01 - 85%/ A+/ Rate and term",null,null,null,"Citizenship",{"$f":"IF(AND('NonQM Program(LS)'!U12=C3,OR('NonQM Program(LS)'!U18=P6:P7)),NA(),\"\")","v":""},"NA for ITIN, and Foreign National",null,null,null,null,null,null,null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$9:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$4:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$9, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$9, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$4:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $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 Program(LS)'!$U$11, $A$9, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$3:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 660-679 Cashout Max 45% >2.5mm",null,null,null,null,null,"Max LTV 700-719",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$6:$B$11, 0)),\n   'NonQM Program(LS)'!$U$11 = $A$7,\n   'NonQM Program(LS)'!$U$21 = $J$3,\n   'NonQM Program(LS)'!$U$20 = $G$5,\n   'NonQM Program(LS)'!$U$12 = $C$9\n), NA(), \"\")","v":""},"60% Purchase 1.5mm max"]
[{"$f":"IF(AND(OR('NonQM Program(LS)'!U21='Feed(WS)'!J3:J4),OR('NonQM Program(LS)'!U10='Feed(WS)'!B10),'NonQM Program(LS)'!U16='Feed(WS)'!D5),TRUE(),FALSE)","v":false},"80.01 - 85%/ DSCR",null,null,null,"P&L",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$3:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$16, $D$3:$D$4, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$3,\n   'NonQM Program(LS)'!$U$17 = $E$8\n), NA(), \"\")","v":""},"P&L Only NA on SELECT",null,null,null,null,null,null,null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$3:$A$5, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$10, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"740+ FICO NA over 60% Cashout >3.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$3:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$3:$G$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$12, $C$5:$C$8, 0)),\n   'NonQM Program(LS)'!$U$16 = $D$5\n), NA(), \"\")","v":""},"1x30x12  NA, has to be 1x30x12 DSCR",null,null,null,null,null,null,null,null,null,"Max LTV 700-719",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$6:$B$11, 0)),\n   'NonQM Program(LS)'!$U$11 = $A$7,\n   'NonQM Program(LS)'!$U$21 = $J$4,\n   'NonQM Program(LS)'!$U$20 = $G$5,\n   'NonQM Program(LS)'!$U$12 = $C$9\n), NA(), \"\")","v":""},"60% Refi R&T 1.5mm max"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"FICO X Loan Amt X LTV X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$6, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$5:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$10, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"720-739 FICO NA over 55% Cashout >3.5mm",null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$3:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18:$D$19, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$3:$G$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$12, $C$5:$C$8, 0)),\n   'NonQM Program(LS)'!$U$16 = $D$5\n), NA(), \"\")","v":""},"1x60x12 and 1x30x6 NA for DSCR",null,null,null,null,null,null,null,null,null,"Max LTV 700-719",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$5:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   'NonQM Program(LS)'!$U$11 = $A$7,\n   'NonQM Program(LS)'!$U$20 = $G$5,\n   'NonQM Program(LS)'!$U$12 = $C$9\n), NA(), \"\")","v":""},"55% Cashout 1.5MM Max"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ITIN X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$18, $P$6, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$9:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"75% LTV MAX C/O for ITIN",null,null,null,null,null,null,null,null,null,null,null,null,null,"Max LTV 720+",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$3:$A$6, 0)),\n   'NonQM Program(LS)'!$U$21 = $J$3,\n   'NonQM Program(LS)'!$U$20 = $G$5,\n   'NonQM Program(LS)'!$U$12 = $C$9\n), NA(), \"\")","v":""},"65% Purchase 1.5MM max"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ITIN X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$18, $P$6, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$10:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$5:$G$11, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"$1mm max LA for ITIN >80% LTV",null,null,null,null,null,null,null,null,null,null,null,null,null,"Max LTV 720+",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$7:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$3:$A$6, 0)),\n   'NonQM Program(LS)'!$U$21 = $J$4,\n   'NonQM Program(LS)'!$U$20 = $G$5,\n   'NonQM Program(LS)'!$U$12 = $C$9\n),NA(), \"\")","v":""},"65% R&T 1.5MM max"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ITIN X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$18, $P$6, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$16:$D$19, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"0x30x12 only for ITIN anything else NA",null,null,null,null,null,null,null,null,null,null,null,null,null,"Max LTV 720+",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$5:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$3:$A$6, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   'NonQM Program(LS)'!$U$20 = $G$5,\n   'NonQM Program(LS)'!$U$12 = $C$9\n), NA(), \"\")","v":""},"55% Cashout 1.5MM max"]
[null,"Base Rate / Base Price",null,null,null,null,null,null,"Base Rate / Base Price",null,null,null,null,null,null,null,"ITIN X CORE",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$12, $C$6:$C$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4, 0)),\n   'NonQM Program(LS)'!$U$18 = $P$6\n), NA(), \"\")","v":""}]
[null,"Coupon","Full Doc","Alt Doc","DSCR","DSCR 5-8 Units","Total LLPA",null,"Coupon","Full Doc","Alt Doc","DSCR","DSCR 5-8 Units",0,null,null,"DSCR STR",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$3:$A$12, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$8:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$4:$G$5, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$12 = $C$6:$C$7, 0)),\n   'NonQM Program(LS)'!$U$7 = $E$9\n), NA(), \"\")","v":""},"MAX LTV 70% for Cashout"]
[null,{"$f":"'NonQM Program(LS)'!#REF!","v":{"$error":"#REF!"}},{"$f":"'NonQM Program(LS)'!#REF!","v":{"$error":"#REF!"}},{"$f":"'NonQM Program(LS)'!#REF!","v":{"$error":"#REF!"}},{"$f":"'NonQM Program(LS)'!#REF!","v":{"$error":"#REF!"}},{"$f":"'NonQM Program(LS)'!#REF!","v":{"$error":"#REF!"}},{"$f":"SUM('NonQM Program(LS)'!V11:V34)+B67","v":{"$error":"#N/A"}},1,{"$f":"B82","v":{"$error":"#REF!"}},{"$f":"C82+$G$82","v":{"$error":"#REF!"}},{"$f":"D82+$G$82","v":{"$error":"#REF!"}},{"$f":"E82+$G$82","v":{"$error":"#REF!"}},{"$error":"#REF!"},{"$f":"I82:I124","v":{"$error":"#REF!"}}]
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[null,{"$f":"'NonQM Program(LS)'!#REF!","v":{"$error":"#REF!"}},{"$f":"'NonQM Program(LS)'!#REF!","v":{"$error":"#REF!"}},{"$f":"'NonQM Program(LS)'!#REF!","v":{"$error":"#REF!"}},{"$f":"'NonQM Program(LS)'!#REF!","v":{"$error":"#REF!"}},{"$f":"'NonQM Program(LS)'!#REF!","v":{"$error":"#REF!"}},"Total Price",3,{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"},{"$error":"#REF!"}]
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[null,{"$f":"'NonQM Program(LS)'!A44","v":10.375},{"$f":"'NonQM Program(LS)'!B44","v":107.5},{"$f":"'NonQM Program(LS)'!C44","v":107.5},{"$f":"'NonQM Program(LS)'!D44","v":107.5},{"$f":"'NonQM Program(LS)'!E44","v":104.25},null,37,10.375,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},10.375,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$6:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 700-719 Purchase Max 60% >2.5mm"]
[null,{"$f":"'NonQM Program(LS)'!A45","v":10.499000000000001},{"$f":"'NonQM Program(LS)'!B45","v":107.75},{"$f":"'NonQM Program(LS)'!C45","v":107.75},{"$f":"'NonQM Program(LS)'!D45","v":107.75},{"$f":"'NonQM Program(LS)'!E45","v":104.5},null,38,10.499000000000001,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},10.499000000000001,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$7, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$5:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 700-719 Cashout Max 55% >2.5mm"]
[null,{"$f":"'NonQM Program(LS)'!A46","v":10.625},{"$f":"'NonQM Program(LS)'!B46","v":108},{"$f":"'NonQM Program(LS)'!C46","v":108},{"$f":"'NonQM Program(LS)'!D46","v":108},{"$f":"'NonQM Program(LS)'!E46","v":104.75},null,39,10.625,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},10.625,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$5:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 680-699 Purchase Max 55.% >2.5mm"]
[null,{"$f":"'NonQM Program(LS)'!A47","v":10.75},{"$f":"'NonQM Program(LS)'!B47","v":108.25},{"$f":"'NonQM Program(LS)'!C47","v":108.25},{"$f":"'NonQM Program(LS)'!D47","v":108.25},{"$f":"'NonQM Program(LS)'!E47","v":105},null,40,{"$f":"B121","v":10.75},{"$f":"C121+$G$82","v":{"$error":"#N/A"}},{"$f":"D121+$G$82","v":{"$error":"#N/A"}},{"$f":"E121+$G$82","v":{"$error":"#N/A"}},{"$error":"#N/A"},10.75,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$4:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 680-699 Cashout Max 50% >2.5mm"]
[null,{"$f":"'NonQM Program(LS)'!A48","v":10.875},{"$f":"'NonQM Program(LS)'!B48","v":108.5},{"$f":"'NonQM Program(LS)'!C48","v":108.5},{"$f":"'NonQM Program(LS)'!D48","v":108.5},{"$f":"'NonQM Program(LS)'!E48","v":105.25},null,41,10.875,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},10.875,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$9, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$3:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$3:$J$4, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x60x12  15% LTV reduction FICO 660-679 Purchase Max 45% >2.5mm\n\nHave it to NA so its manually priced"]
[null,{"$f":"'NonQM Program(LS)'!A49","v":10.999000000000001},{"$f":"'NonQM Program(LS)'!B49","v":108.75},{"$f":"'NonQM Program(LS)'!C49","v":108.75},{"$f":"'NonQM Program(LS)'!D49","v":108.75},{"$f":"'NonQM Program(LS)'!E49","v":105.5},null,42,10.999000000000001,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},10.999000000000001,null,null,null,null,null,null,null,null,null,null,"Housing History X LTV",{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$11, $A$9, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$10, $B$3:$B$11, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$21, $J$5:$J$8, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$20, $G$8, 0)),\n   'NonQM Program(LS)'!$U$12 = $C$4\n), NA(), \"\")","v":""},"1x30x12  10% LTV reduction FICO 660-679 Cashout Max 45% >2.5mm"]
[null,{"$f":"'NonQM Program(LS)'!A50","v":11.125},{"$f":"'NonQM Program(LS)'!B50","v":109},{"$f":"'NonQM Program(LS)'!C50","v":109},{"$f":"'NonQM Program(LS)'!D50","v":109},{"$f":"'NonQM Program(LS)'!E50","v":105.75},null,43,11.125,{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},{"$error":"#N/A"},11.125,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$14, $D$18:$D$19, 0)),\n   ISNUMBER(MATCH('NonQM Program(LS)'!$U$12, $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(J85:J124,0,-1),MATCH(TRUE,($J$85:$J$124)>=IF(E147>100,100,E147),0)),MAX(I85:I124))<E152,INDEX(H85:H124,MATCH(E152,I85:I124,0)),IFERROR(INDEX(OFFSET(J85:J124,0,-2),MATCH(TRUE,($J$85:$J$124)>=IF(E147>100,100,E147),0)),INDEX(OFFSET($J$85:$J$124,0,-2),MATCH(MAX($J$85:$J$124),$J$85:$J$124,0))))","v":{"$error":"#N/A"}},{"$f":"IF(IFERROR(INDEX(OFFSET(K85:K124,0,-2),MATCH(TRUE,($K$85:$K$124)>=IF(E147>100,100,E147),0)),MAX(I85:I124))<E152,INDEX(H85:H124,MATCH(E152,I85:I124,0)),IFERROR(INDEX(OFFSET(K85:K124,0,-3),MATCH(TRUE,($K$85:$K$124)>=IF(E147>100,100,E147),0)),INDEX(OFFSET($K$85:$K$124,0,-3),MATCH(MAX($K$85:$K$124),$K$85:$K$124,0))))","v":{"$error":"#N/A"}},{"$f":"IF(IFERROR(INDEX(OFFSET(L85:L124,0,-3),MATCH(TRUE,($L$85:$L$124)>=IF(E147>100,100,E147),0)),MAX(I85:I124))<E152,INDEX(H85:H124,MATCH(E152,I85:I124,0)),IFERROR(INDEX(OFFSET(L85:L124,0,-4),MATCH(TRUE,($L$85:$L$124)>=IF(E147>100,100,E147),0)),INDEX(OFFSET($L$85:$L$124,0,-4),MATCH(MAX($L$85:$L$124),$L$85:$L$124,0))))","v":{"$error":"#N/A"}},{"$f":"IF(IFERROR(INDEX(OFFSET(M85:M124,0,-4),MATCH(TRUE,($M$85:$M$124)>=IF(E147>100,100,E147),0)),MAX(I85:I124))<E152,INDEX(H85:H124,MATCH(E152,I85:I124,0)),IFERROR(INDEX(OFFSET(M85:M124,0,-5),MATCH(TRUE,($M$85:$M$124)>=IF(E147>100,100,E147),0)),INDEX(OFFSET($M$85:$M$124,0,-5),MATCH(MAX($M$85:$M$124),$M$85:$M$124,0))))","v":{"$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"}},{"$f":"VLOOKUP(L126,H82:L125,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(M126,H82:M124,2,FALSE)","v":{"$error":"#N/A"}}]
[null,null,null,null,null,null,null,null,null,{"$f":"IF(G89=J81,J127,0)","v":0},{"$f":"IF(G89=K81,K127,0)","v":0},{"$f":"IF('NonQM Program(LS)'!U23='Feed(WS)'!M81,0,IF(G89=L81,L127,0))","v":0},{"$f":"IF(AND(G89=L81,'NonQM Program(LS)'!U23='Feed(WS)'!M81),M127,0)","v":0}]
[null,{"$f":"'NonQM Program(LS)'!O38","v":"Max Price"},null,null,"Rules",null,null,null,null,{"$f":"VLOOKUP(J126,H82:J125,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(K126,H82:K125,4,FALSE)","v":{"$error":"#N/A"}},{"$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 Program(LS)'!O39","v":"Owner Occ/Sec Home"},null,{"$f":"'NonQM Program(LS)'!Q39","v":102},{"$f":"IF(OR('NonQM Program(LS)'!U22=L3:L4),D130,\"\")","v":""},null,null,null,null,{"$f":"IF(G89=J81,J129,0)","v":0},{"$f":"IF(G89=K81,K129,0)","v":0},{"$f":"IF('NonQM Program(LS)'!U23='Feed(WS)'!M81,0,IF(G89=L81,L129,0))","v":0},{"$f":"IF(AND(G89=L81,'NonQM Program(LS)'!U23='Feed(WS)'!M81),M129,0)","v":0},{"$f":"SUM(J128:M128)","v":0}]
[null,{"$f":"'NonQM Program(LS)'!O40","v":"No PPP-States not allowed"},null,{"$f":"'NonQM Program(LS)'!Q40","v":100},{"$f":"IF(AND(OR('NonQM Program(LS)'!U22=L5:L6),'NonQM Program(LS)'!U26=H3),D131,\"\")","v":""}]
[null,{"$f":"'NonQM Program(LS)'!O41","v":"No PPP-States that allow"},null,{"$f":"'NonQM Program(LS)'!Q41","v":100},{"$f":"IF(AND(OR('NonQM Program(LS)'!U22=L5:L6),'NonQM Program(LS)'!U26=H4),D132,\"\")","v":""},null,null,null,null,null,null,null,null,{"$f":"SUM(J130:M130)","v":0}]
[null,{"$f":"'NonQM Program(LS)'!O42","v":"1YR PPP"},null,{"$f":"'NonQM Program(LS)'!Q42","v":102},{"$f":"IF(AND(OR('NonQM Program(LS)'!U22=L5:L6),'NonQM Program(LS)'!U26=H5),D133,\"\")","v":""}]
[null,{"$f":"'NonQM Program(LS)'!O43","v":"2YR PPP"},null,{"$f":"'NonQM Program(LS)'!Q43","v":102},{"$f":"IF(AND(OR('NonQM Program(LS)'!U22=L5:L6),'NonQM Program(LS)'!U26=H6),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,{"$f":"'NonQM Program(LS)'!O44","v":"3YR PPP"},null,{"$f":"'NonQM Program(LS)'!Q44","v":102},{"$f":"IF(AND(OR('NonQM Program(LS)'!U22=L5:L6),'NonQM Program(LS)'!U26=H7),D135,\"\")","v":""}]
[null,{"$f":"'NonQM Program(LS)'!O45","v":"4YR PPP"},null,{"$f":"'NonQM Program(LS)'!Q45","v":102},{"$f":"IF(AND(OR('NonQM Program(LS)'!U22=L5:L6),'NonQM Program(LS)'!U26=H8),D136,\"\")","v":""}]
[null,{"$f":"'NonQM Program(LS)'!O46","v":"5YR PPP"},null,{"$f":"'NonQM Program(LS)'!Q46","v":102},{"$f":"IF(AND(OR('NonQM Program(LS)'!U22=L5:L6),'NonQM Program(LS)'!U26=H9),D137,\"\")","v":""}]
[null,{"$f":"'NonQM Program(LS)'!O47","v":">$2,500,000"},null,{"$f":"'NonQM Program(LS)'!Q47","v":101},{"$f":"IF(OR('NonQM Program(LS)'!U20=G8:G11),D138,\"\")","v":""}]
[null,{"$f":"'NonQM Program(LS)'!O48","v":"80.01-90.00% LTV"},null,{"$f":"'NonQM Program(LS)'!Q48","v":101},{"$f":"IF(OR('NonQM Program(LS)'!U10=B10:B11),D139,\"\")","v":""}]
[null,{"$f":"'NonQM Program(LS)'!O49","v":"ITIN/Foreign National"},null,{"$f":"'NonQM Program(LS)'!Q49","v":101},{"$f":"IF(OR('NonQM Program(LS)'!U18=P6:P7),D140,\"\")","v":""}]
[null,{"$f":"'NonQM Program(LS)'!O50","v":"Subordinate Financing"},null,{"$f":"'NonQM Program(LS)'!Q50","v":100},{"$f":"IF(OR('NonQM Program(LS)'!U31=S4),D141,\"\")","v":""}]
[null,{"$f":"'NonQM Program(LS)'!O52","v":"DSCR 5-8 Units"},null,{"$f":"'NonQM Program(LS)'!Q52","v":100},{"$f":"IF(OR('NonQM Program(LS)'!U23=K6),D142,\"\")","v":""}]
[null,{"$f":"'NonQM Program(LS)'!O53","v":0},null,{"$f":"'NonQM Program(LS)'!Q53","v":0}]
[null,{"$f":"'NonQM Program(LS)'!O51","v":"NJ Title Vested In LLC"},null,{"$f":"'NonQM Program(LS)'!Q51","v":100},{"$f":"IF(AND(('NonQM Program(LS)'!U28=T14),OR('NonQM Program(LS)'!U22=L5:L6),OR('NonQM Program(LS)'!U27=H15),OR('NonQM Program(LS)'!U26=H3)),D144,\"\")","v":""}]
[]
[null,{"$f":"'NonQM Program(LS)'!O56","v":"NC Floor Price"},null,{"$f":"'NonQM Program(LS)'!Q56","v":99.75},{"$f":"IF(AND('NonQM Program(LS)'!U30=T16,OR('NonQM Program(LS)'!U24=L5:L6),'NonQM Program(LS)'!U28=H3),D146,\"\")","v":""}]
[null,null,null,"Final price  →",{"$f":"IF(E146<>\"\",E146,IF(E144<>\"\",E144,MIN(E130:E143)))","v":0}]
[]
[null,{"$f":"'NonQM Program(LS)'!K60","v":"Min Rate"},null,null,"Rules"]
[null,{"$f":"'NonQM Program(LS)'!K61","v":">$2,500,000"},null,{"$f":"'NonQM Program(LS)'!M61","v":6.75},{"$f":"IF(OR('NonQM Program(LS)'!U20=G7:G11),D150,\"\")","v":""}]
[null,{"$f":"'NonQM Program(LS)'!K62","v":"ITIN/Foreign National"},null,{"$f":"'NonQM Program(LS)'!M62","v":7.4989999999999997},{"$f":"IF(OR('NonQM Program(LS)'!U18=P6:P7),D151,\"\")","v":""}]
[null,null,null,"Final price  →",{"$f":"MIN(E150:E151)","v":0}]

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[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,"19000 MacArthur Boulevard, 2nd Floor"]
[null,null,null,null,null,null,null,null,null,"Irvine, CA 92612"]
[]
[]
[]
[]
[]
[null,"LoanStream Mortgage Wholesale NANQ Rate Sheet"]
[]
[null,null,"Underwriting Fee",null,null,"Relock Fee",null,null,"Mortgagee Clause",null,null,null,null,"Contact list"]
[null,null,"NANQ",1295,null,-0.25,null,null,"OCMBC, INC. ISAOA \n19000 MacArthur Blvd, Ste. 200 Irvine, CA 92612",null,null,null,null,"Corporate \nHeadquarters:",null,null,"Phone:","800-760-1833"]
[null,null,"DOC Fee - All Loans",null,null,"Extension Fee",null,null,null,null,null,null,null,null,null,null,"Email:","Inquires@LSMortgage.com"]
[null,null,79,null,null,"0.02/Day"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"NAN-Q\n Prequals",null,null,"Phone:","Email Only"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","EZQual@LSMortgage.com"]
[null,null,"Current Turn Times",null,null,null,null,null,null,null,null,null,null,"U/W Loan \nScenarios NAN-Q",null,null,"Phone:","Email Only"]
[null,null,"Stage",null,"Turn Times",null,"Department Hours",null,null,"Cutoff Time",null,null,null,null,null,null,"Email:","NANQScenario@LSMortgage.com"]
[null,null,"PreQual",null,"24-48 Hours",null,"PreQual Desk Hours: 8:00 AM-5:00 PM PST",null,null,"3:00 PM PST",null,null,null,"Submission Desk",null,null,"Phone:","Email Only"]
[null,null,"Set-up",null,"24-48 Hours",null,"Setup Desk Hours: 8:00 AM-6:00 PM PST",null,null,null,null,null,null,null,null,null,"Email:","Submissions_LS@LSMortgage.com"]
[null,null,"New Underwrite",null,"24-48 Hours",null,"Underwriting Hours: 7:00 AM-6:00 PM PST",null,null,"3:00 PM PST",null,null,null,"Lock Desk:",null,null,"Phone:","949-679-7059"]
[null,null,"Conditions Review",null,"24-48 Hours",null,"Underwriting Hours: 7:00 AM-6:00 PM PST",null,null,"3:00 PM PST",null,null,null,null,null,null,"Email:","LockDesk@LSMortgage.com"]
[null,null,"Part \"A\" QC",null,"48-72 Hours",null,"PreQual Desk Hours: 8:00 AM-5:00 PM PST",null,null,"3:30 PM PST",null,null,null,"CD Desk:",null,null,"Phone:","Email Only"]
[null,null,"Lock Desk",null,"SameDay",null,"Lock Desk Hours are: 8:30 AM - 5:00 PM PST",null,null,"5:00 PM PST",null,null,null,null,null,null,"Email:","CD@LSMortgage.com"]
[null,null,"CTC Review",null,"SameDay",null,"Underwriting Hours: 7:00 AM-6:00 PM PST",null,null,"1:00 PM PST",null,null,null,"Funding Department:",null,null,"Phone:","Email Only"]
[null,null,"CD",null,"SameDay",null,"CD Desk Hours: 7:30 AM-6:00 PM PST",null,null,"12:00 PM PST",null,null,null,null,null,null,"Email:","Funding@LSMortgage.com"]
[null,null,"DOCS",null,"SameDay",null,"DOCS Desk Hours: 7:30 AM-6:00 PM PST",null,null,"12:00 PM PST",null,null,null,"Management \nEscalations",null,null,"Name:","David Racer / Operations"]
[null,null,"Funding",null,"SameDay",null,"Funding Desk Hours: 5:30 AM-5:00 PM PST",null,null,"12:30 PM PST",null,null,null,null,null,null,"Email:","DRacer@LSMortgage.com"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Name:","Natalie Hernandez / Closing"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","NHernandez@LSMortgage.com"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Name:","Nikki Allen / Underwriting"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","NAllen@LSMortgage.com"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Name:","Adam Elway / Capital Markets"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","AElway@LSMortgage.com"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Name:","Moe Aziz / Secondary"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Email:","MAziz@LSMortgage.com"]
[]
[]
[]
[]
[null,"RATES AND LLPAs ARE SUBJECT TO CHANGE WITHOUT NOTICE.  "]
[null,"THIS INFORMATION IS INTENDED FOR PROFESSIONAL OR BUSINESS USE ONLY.  NOT FOR CONSUMER DISTRIBUTION."]

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