Private lender credit standards

LoanStream Wholesale

60 sections · 3 documents · newest document 2026-08-17

dscrforeign-nationalbank-statementasset-depletion

DSCR values stated in these documents: 1.00 · 1.20

Private standard, not a regulation. These are private, per-lender commercial standards, not regulation. They differ by lender by design and are revised without notice, often at the same web address. A program shown here is what the cited document said on the date given; it is not confirmation the lender still offers it.

Source documents

DocumentDocument dateVerified unchanged
loanstreamwholesale.com-LS-NonQM-DSCR-Ratesheet-08.17.2026.pdf 2026-08-17 inferred —
loanstreamwholesale.com-LSM-5-8-Unit-Residential-Matrix-dtd-260608-1.pdf — —
loanstreamwholesale.com-LSM-NQM-Matrix-08.05.26.pdf 2026-08-05 —

“Inferred” means the document printed a date but did not label it as an effective or revision date. It is the latest plausible date on the page, not a stated one.

Criteria tables

DSCR

loanstreamwholesale.com-LS-NonQM-DSCR-Ratesheet-08.17.2026.pdf · 2026-08-17

Base PriceDSCR LoanStream
30 Day Lock Rate DSCR DSCR 5-8 5.990 97.838 #N/A 6.125 98.463 #N/A 6.250 98.900 #N/A 6.375 99.276 #N/A 6.499 99.776 #N/A 6.625 100.244 #N/A 6.750 100.682 #N/A 6.875 101.104 #N/A 6.999 101.510 #N/A 7.125 101.885 #N/A 7.250 102.260 97.350 7.375 102.635 97.725Loan Level Pricing Adjustments FICO/LTV <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 780+ 1.375 1.150 1.025 1.000 0.750 0.550 (0.625) (2.500) 760-779 1.150 1.000 1.000 0.850 0.500 0.425 (0.875) (2.750) 740-759 1.000 0.875 0.875 0.713 0.400 0.213 (1.000) (3.000) 720-739 0.875 0.750 0.750 0.650 0.025 (0.100) (1.875) (3.500) 700-719 0.650 0.375 0.125 0.025 (0.250) (1.000) (2.625) #N/A 680-699 0.250 (0.125) (0.125) (0.250) (0.850) (1.500) (3.375) #N/A 660-679 (0.250) (0.250) (0.750) (1.250) (1.975) (2.600) #N/A #N/A 640-659 (0.900) (1.250) (1.650) (1.875) (2.875) (3.625) #N/A #N/A 620-639 (2.000) (2.250) (2.400) (2.875) (3.625) #N/A #N/A #N/A Program
7.499 7.625 7.750 7.875 7.999 8.125 8.250 8.375 8.499 8.625 8.750 8.875 8.999 9.125102.979 103.291 103.572 103.854 104.135 104.416 104.697 104.979 105.260 105.510 105.760 106.010 106.260 106.51098.350 98.850 99.100 99.350 99.850 100.100 100.350 100.600 100.975 101.350 101.600 101.975 102.100 102.475SELECT - DSCR 0.500 0.500 0.500 0.500 0.500 0.500 #N/A #N/A Core DSCR (≥1.20) 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 Core DSCR (≥1.00) 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Sub1 DSCR (0.75-0.99) (2.000) (2.000) (2.000) (2.000) (2.000) (2.000) #N/A #N/A No Ratio DSCR - < 0.75 (3.000) (3.000) (3.000) (3.000) (3.000) #N/A #N/A #N/A DSCR Fusion (DSCR + Asset Util) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) #N/A Purpose Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Rate Term Refi 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.250 Cash Out Refi (0.125) (0.250) (0.375) (0.500) (0.500) (0.500) (1.750) #N/A Rate Term Refi FICO < 680 (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.375) #N/A Cash Out Refi FICO < 680 (0.500) (0.500) (0.625) (0.750) (0.750) #N/A #N/A #N/A Loan Amount <$150,000 (0.250) (0.500) (0.500) (0.500) (0.500) (0.750) (0.750) (1.500)
9.250106.635102.725$150,001-$250,0000.0000.0000.0000.0000.0000.0000.000(0.250)
9.375106.760103.100$250,001-$1,000,0000.2500.2500.2500.2500.2500.2500.2500.250
9.499106.885103.475>$1,000,0000.3750.2500.2500.2500.2500.0000.0000.000
9.625107.010103.725>$1,500,0000.0000.0000.0000.0000.0000.0000.0000.000
9.750107.135103.975>$2,000,000(0.125)(0.125)(0.125)(0.250)(0.250)(0.250)(0.500)#N/A
9.875107.260104.225>$2,500,000(0.375)(0.375)(0.500)(0.500)(0.500)(0.500)(0.750)#N/A
9.999107.385104.475>$3,000,000(1.000)(1.000)(1.000)(1.000)(1.250)(1.500)#N/A#N/A
10.125107.510104.725>$3,500,000(2.000)(2.250)(2.500)(3.000)#N/A#N/A#N/A#N/A
10.250107.635104.975Property/Units
10.375107.760105.225NW Condo(1.000)(1.000)(1.000)(1.000)(1.000)(1.500)#N/A#N/A
10.499107.885105.475Short Term Rental(0.500)(0.500)(0.500)(0.500)(0.500)(0.625)(0.750)#N/A
10.625108.010105.7252 Units0.0000.0000.0000.0000.0000.0000.000#N/A
NonQM Price Calculator Reset Inputs Interest Rate → Choose a Selection LTV Range Choose a Selection FICO Range Choose a Selection FALSE Program Core DSCR (≥1.20) #N/A Reserves Choose a Selection 0.000 Payment History Choose a Selection #N/A Credit Events Choose a Selection #N/A Doc Type DSCR 0.000 Additional Adjs Choose a Selection #N/A Citizenship Choose a Selection 0.000 Loan Balance Choose a Selection #N/A Purpose Choose a Selection #N/A DSCR Cashout Choose a Selection 0.000
Occupancy Non-Owner (Alt Doc/DSCR) Property Type Choose a Selection Loan Term 30YR Fixed Escrow Choose a Selection Prepayment Penalty Choose a Selection NJ - Title Vesting State Choose a Selection Lock Term 30 Day Buydown No Subordinate Financing No Possible Eligibility Issue No State Tier Adjusment Choose a Selection Special Not Applicable Total LLPA0.000 0.000 #N/A 0.000 0.000 0.000 0.000 #N/A 0.000 0.000 0.000 0.000 FALSE #N/A
Gross Rate Sheet Price (Prior to LLPAs)#N/A
Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)Minimum Rate
Max YSP#N/A
Final Price →#N/A
MANUAL LPC CALCULATOR
Loan amount$500,000.00
LPC %2.250$11,250.00
LPC Flat Fee0.000
Total LPC LLPA2.250
Final Price AFTER LPC →#N/A
*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only
*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit

FALSE

loanstreamwholesale.com-LS-NonQM-DSCR-Ratesheet-08.17.2026.pdf · 2026-08-17

Base PriceDSCR LoanStream
30 Day Lock Rate DSCR DSCR 5-8 5.990 97.838 #N/A 6.125 98.463 #N/A 6.250 98.900 #N/A 6.375 99.276 #N/A 6.499 99.776 #N/A 6.625 100.244 #N/A 6.750 100.682 #N/A 6.875 101.104 #N/A 6.999 101.510 #N/A 7.125 101.885 #N/A 7.250 102.260 97.350 7.375 102.635 97.725Loan Level Pricing Adjustments FICO/LTV <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 780+ 1.375 1.150 1.025 1.000 0.750 0.550 (0.625) (2.500) 760-779 1.150 1.000 1.000 0.850 0.500 0.425 (0.875) (2.750) 740-759 1.000 0.875 0.875 0.713 0.400 0.213 (1.000) (3.000) 720-739 0.875 0.750 0.750 0.650 0.025 (0.100) (1.875) (3.500) 700-719 0.650 0.375 0.125 0.025 (0.250) (1.000) (2.625) #N/A 680-699 0.250 (0.125) (0.125) (0.250) (0.850) (1.500) (3.375) #N/A 660-679 (0.250) (0.250) (0.750) (1.250) (1.975) (2.600) #N/A #N/A 640-659 (0.900) (1.250) (1.650) (1.875) (2.875) (3.625) #N/A #N/A 620-639 (2.000) (2.250) (2.400) (2.875) (3.625) #N/A #N/A #N/A Program
7.499 7.625 7.750 7.875 7.999 8.125 8.250 8.375 8.499 8.625 8.750 8.875 8.999 9.125102.979 103.291 103.572 103.854 104.135 104.416 104.697 104.979 105.260 105.510 105.760 106.010 106.260 106.51098.350 98.850 99.100 99.350 99.850 100.100 100.350 100.600 100.975 101.350 101.600 101.975 102.100 102.475SELECT - DSCR 0.500 0.500 0.500 0.500 0.500 0.500 #N/A #N/A Core DSCR (≥1.20) 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 Core DSCR (≥1.00) 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Sub1 DSCR (0.75-0.99) (2.000) (2.000) (2.000) (2.000) (2.000) (2.000) #N/A #N/A No Ratio DSCR - < 0.75 (3.000) (3.000) (3.000) (3.000) (3.000) #N/A #N/A #N/A DSCR Fusion (DSCR + Asset Util) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) #N/A Purpose Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Rate Term Refi 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.250 Cash Out Refi (0.125) (0.250) (0.375) (0.500) (0.500) (0.500) (1.750) #N/A Rate Term Refi FICO < 680 (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.375) #N/A Cash Out Refi FICO < 680 (0.500) (0.500) (0.625) (0.750) (0.750) #N/A #N/A #N/A Loan Amount <$150,000 (0.250) (0.500) (0.500) (0.500) (0.500) (0.750) (0.750) (1.500)
9.250106.635102.725$150,001-$250,0000.0000.0000.0000.0000.0000.0000.000(0.250)
9.375106.760103.100$250,001-$1,000,0000.2500.2500.2500.2500.2500.2500.2500.250
9.499106.885103.475>$1,000,0000.3750.2500.2500.2500.2500.0000.0000.000
9.625107.010103.725>$1,500,0000.0000.0000.0000.0000.0000.0000.0000.000
9.750107.135103.975>$2,000,000(0.125)(0.125)(0.125)(0.250)(0.250)(0.250)(0.500)#N/A
9.875107.260104.225>$2,500,000(0.375)(0.375)(0.500)(0.500)(0.500)(0.500)(0.750)#N/A
9.999107.385104.475>$3,000,000(1.000)(1.000)(1.000)(1.000)(1.250)(1.500)#N/A#N/A
10.125107.510104.725>$3,500,000(2.000)(2.250)(2.500)(3.000)#N/A#N/A#N/A#N/A
10.250107.635104.975Property/Units
10.375107.760105.225NW Condo(1.000)(1.000)(1.000)(1.000)(1.000)(1.500)#N/A#N/A
10.499107.885105.475Short Term Rental(0.500)(0.500)(0.500)(0.500)(0.500)(0.625)(0.750)#N/A
10.625108.010105.7252 Units0.0000.0000.0000.0000.0000.0000.000#N/A
NonQM Price Calculator Reset Inputs Interest Rate → Choose a Selection LTV Range Choose a Selection FICO Range Choose a Selection FALSE Program Core DSCR (≥1.20) #N/A Reserves Choose a Selection 0.000 Payment History Choose a Selection #N/A Credit Events Choose a Selection #N/A Doc Type DSCR 0.000 Additional Adjs Choose a Selection #N/A Citizenship Choose a Selection 0.000 Loan Balance Choose a Selection #N/A Purpose Choose a Selection #N/A DSCR Cashout Choose a Selection 0.000
Occupancy Non-Owner (Alt Doc/DSCR) Property Type Choose a Selection Loan Term 30YR Fixed Escrow Choose a Selection Prepayment Penalty Choose a Selection NJ - Title Vesting State Choose a Selection Lock Term 30 Day Buydown No Subordinate Financing No Possible Eligibility Issue No State Tier Adjusment Choose a Selection Special Not Applicable Total LLPA0.000 0.000 #N/A 0.000 0.000 0.000 0.000 #N/A 0.000 0.000 0.000 0.000 FALSE #N/A
Gross Rate Sheet Price (Prior to LLPAs)#N/A
Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)Minimum Rate
Max YSP#N/A
Final Price →#N/A
MANUAL LPC CALCULATOR
Loan amount$500,000.00
LPC %2.250$11,250.00
LPC Flat Fee0.000
Total LPC LLPA2.250
Final Price AFTER LPC →#N/A
*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only
*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit

DSCR

loanstreamwholesale.com-LS-NonQM-DSCR-Ratesheet-08.17.2026.pdf · 2026-08-17

Base PriceDSCR LoanStream
30 Day Lock Rate DSCR DSCR 5-8 5.990 97.838 #N/A 6.125 98.463 #N/A 6.250 98.900 #N/A 6.375 99.276 #N/A 6.499 99.776 #N/A 6.625 100.244 #N/A 6.750 100.682 #N/A 6.875 101.104 #N/A 6.999 101.510 #N/A 7.125 101.885 #N/A 7.250 102.260 97.350 7.375 102.635 97.725Loan Level Pricing Adjustments FICO/LTV <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 780+ 1.375 1.150 1.025 1.000 0.750 0.550 (0.625) (2.500) 760-779 1.150 1.000 1.000 0.850 0.500 0.425 (0.875) (2.750) 740-759 1.000 0.875 0.875 0.713 0.400 0.213 (1.000) (3.000) 720-739 0.875 0.750 0.750 0.650 0.025 (0.100) (1.875) (3.500) 700-719 0.650 0.375 0.125 0.025 (0.250) (1.000) (2.625) #N/A 680-699 0.250 (0.125) (0.125) (0.250) (0.850) (1.500) (3.375) #N/A 660-679 (0.250) (0.250) (0.750) (1.250) (1.975) (2.600) #N/A #N/A 640-659 (0.900) (1.250) (1.650) (1.875) (2.875) (3.625) #N/A #N/A 620-639 (2.000) (2.250) (2.400) (2.875) (3.625) #N/A #N/A #N/A Program
7.499 7.625 7.750 7.875 7.999 8.125 8.250 8.375 8.499 8.625 8.750 8.875 8.999 9.125102.979 103.291 103.572 103.854 104.135 104.416 104.697 104.979 105.260 105.510 105.760 106.010 106.260 106.51098.350 98.850 99.100 99.350 99.850 100.100 100.350 100.600 100.975 101.350 101.600 101.975 102.100 102.475SELECT - DSCR 0.500 0.500 0.500 0.500 0.500 0.500 #N/A #N/A Core DSCR (≥1.20) 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 Core DSCR (≥1.00) 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Sub1 DSCR (0.75-0.99) (2.000) (2.000) (2.000) (2.000) (2.000) (2.000) #N/A #N/A No Ratio DSCR - < 0.75 (3.000) (3.000) (3.000) (3.000) (3.000) #N/A #N/A #N/A DSCR Fusion (DSCR + Asset Util) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) #N/A Purpose Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Rate Term Refi 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.250 Cash Out Refi (0.125) (0.250) (0.375) (0.500) (0.500) (0.500) (1.750) #N/A Rate Term Refi FICO < 680 (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.375) #N/A Cash Out Refi FICO < 680 (0.500) (0.500) (0.625) (0.750) (0.750) #N/A #N/A #N/A Loan Amount <$150,000 (0.250) (0.500) (0.500) (0.500) (0.500) (0.750) (0.750) (1.500)
9.250106.635102.725$150,001-$250,0000.0000.0000.0000.0000.0000.0000.000(0.250)
9.375106.760103.100$250,001-$1,000,0000.2500.2500.2500.2500.2500.2500.2500.250
9.499106.885103.475>$1,000,0000.3750.2500.2500.2500.2500.0000.0000.000
9.625107.010103.725>$1,500,0000.0000.0000.0000.0000.0000.0000.0000.000
9.750107.135103.975>$2,000,000(0.125)(0.125)(0.125)(0.250)(0.250)(0.250)(0.500)#N/A
9.875107.260104.225>$2,500,000(0.375)(0.375)(0.500)(0.500)(0.500)(0.500)(0.750)#N/A
9.999107.385104.475>$3,000,000(1.000)(1.000)(1.000)(1.000)(1.250)(1.500)#N/A#N/A
10.125107.510104.725>$3,500,000(2.000)(2.250)(2.500)(3.000)#N/A#N/A#N/A#N/A
10.250107.635104.975Property/Units
10.375107.760105.225NW Condo(1.000)(1.000)(1.000)(1.000)(1.000)(1.500)#N/A#N/A
10.499107.885105.475Short Term Rental(0.500)(0.500)(0.500)(0.500)(0.500)(0.625)(0.750)#N/A
10.625108.010105.7252 Units0.0000.0000.0000.0000.0000.0000.000#N/A
NonQM Price Calculator Reset Inputs Interest Rate → Choose a Selection LTV Range Choose a Selection FICO Range Choose a Selection FALSE Program Core DSCR (≥1.20) #N/A Reserves Choose a Selection 0.000 Payment History Choose a Selection #N/A Credit Events Choose a Selection #N/A Doc Type DSCR 0.000 Additional Adjs Choose a Selection #N/A Citizenship Choose a Selection 0.000 Loan Balance Choose a Selection #N/A Purpose Choose a Selection #N/A DSCR Cashout Choose a Selection 0.000
Occupancy Non-Owner (Alt Doc/DSCR) Property Type Choose a Selection Loan Term 30YR Fixed Escrow Choose a Selection Prepayment Penalty Choose a Selection NJ - Title Vesting State Choose a Selection Lock Term 30 Day Buydown No Subordinate Financing No Possible Eligibility Issue No State Tier Adjusment Choose a Selection Special Not Applicable Total LLPA0.000 0.000 #N/A 0.000 0.000 0.000 0.000 #N/A 0.000 0.000 0.000 0.000 FALSE #N/A
Gross Rate Sheet Price (Prior to LLPAs)#N/A
Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)Minimum Rate
Max YSP#N/A
Final Price →#N/A
MANUAL LPC CALCULATOR
Loan amount$500,000.00
LPC %2.250$11,250.00
LPC Flat Fee0.000
Total LPC LLPA2.250
Final Price AFTER LPC →#N/A
*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only
*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit

FALSE

loanstreamwholesale.com-LS-NonQM-DSCR-Ratesheet-08.17.2026.pdf · 2026-08-17

Base PriceDSCR LoanStream
30 Day Lock Rate DSCR DSCR 5-8 5.990 97.838 #N/A 6.125 98.463 #N/A 6.250 98.900 #N/A 6.375 99.276 #N/A 6.499 99.776 #N/A 6.625 100.244 #N/A 6.750 100.682 #N/A 6.875 101.104 #N/A 6.999 101.510 #N/A 7.125 101.885 #N/A 7.250 102.260 97.350 7.375 102.635 97.725Loan Level Pricing Adjustments FICO/LTV <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 780+ 1.375 1.150 1.025 1.000 0.750 0.550 (0.625) (2.500) 760-779 1.150 1.000 1.000 0.850 0.500 0.425 (0.875) (2.750) 740-759 1.000 0.875 0.875 0.713 0.400 0.213 (1.000) (3.000) 720-739 0.875 0.750 0.750 0.650 0.025 (0.100) (1.875) (3.500) 700-719 0.650 0.375 0.125 0.025 (0.250) (1.000) (2.625) #N/A 680-699 0.250 (0.125) (0.125) (0.250) (0.850) (1.500) (3.375) #N/A 660-679 (0.250) (0.250) (0.750) (1.250) (1.975) (2.600) #N/A #N/A 640-659 (0.900) (1.250) (1.650) (1.875) (2.875) (3.625) #N/A #N/A 620-639 (2.000) (2.250) (2.400) (2.875) (3.625) #N/A #N/A #N/A Program
7.499 7.625 7.750 7.875 7.999 8.125 8.250 8.375 8.499 8.625 8.750 8.875 8.999 9.125102.979 103.291 103.572 103.854 104.135 104.416 104.697 104.979 105.260 105.510 105.760 106.010 106.260 106.51098.350 98.850 99.100 99.350 99.850 100.100 100.350 100.600 100.975 101.350 101.600 101.975 102.100 102.475SELECT - DSCR 0.500 0.500 0.500 0.500 0.500 0.500 #N/A #N/A Core DSCR (≥1.20) 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 Core DSCR (≥1.00) 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Sub1 DSCR (0.75-0.99) (2.000) (2.000) (2.000) (2.000) (2.000) (2.000) #N/A #N/A No Ratio DSCR - < 0.75 (3.000) (3.000) (3.000) (3.000) (3.000) #N/A #N/A #N/A DSCR Fusion (DSCR + Asset Util) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) #N/A Purpose Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Rate Term Refi 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.250 Cash Out Refi (0.125) (0.250) (0.375) (0.500) (0.500) (0.500) (1.750) #N/A Rate Term Refi FICO < 680 (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.375) #N/A Cash Out Refi FICO < 680 (0.500) (0.500) (0.625) (0.750) (0.750) #N/A #N/A #N/A Loan Amount <$150,000 (0.250) (0.500) (0.500) (0.500) (0.500) (0.750) (0.750) (1.500)
9.250106.635102.725$150,001-$250,0000.0000.0000.0000.0000.0000.0000.000(0.250)
9.375106.760103.100$250,001-$1,000,0000.2500.2500.2500.2500.2500.2500.2500.250
9.499106.885103.475>$1,000,0000.3750.2500.2500.2500.2500.0000.0000.000
9.625107.010103.725>$1,500,0000.0000.0000.0000.0000.0000.0000.0000.000
9.750107.135103.975>$2,000,000(0.125)(0.125)(0.125)(0.250)(0.250)(0.250)(0.500)#N/A
9.875107.260104.225>$2,500,000(0.375)(0.375)(0.500)(0.500)(0.500)(0.500)(0.750)#N/A
9.999107.385104.475>$3,000,000(1.000)(1.000)(1.000)(1.000)(1.250)(1.500)#N/A#N/A
10.125107.510104.725>$3,500,000(2.000)(2.250)(2.500)(3.000)#N/A#N/A#N/A#N/A
10.250107.635104.975Property/Units
10.375107.760105.225NW Condo(1.000)(1.000)(1.000)(1.000)(1.000)(1.500)#N/A#N/A
10.499107.885105.475Short Term Rental(0.500)(0.500)(0.500)(0.500)(0.500)(0.625)(0.750)#N/A
10.625108.010105.7252 Units0.0000.0000.0000.0000.0000.0000.000#N/A
NonQM Price Calculator Reset Inputs Interest Rate → Choose a Selection LTV Range Choose a Selection FICO Range Choose a Selection FALSE Program Core DSCR (≥1.20) #N/A Reserves Choose a Selection 0.000 Payment History Choose a Selection #N/A Credit Events Choose a Selection #N/A Doc Type DSCR 0.000 Additional Adjs Choose a Selection #N/A Citizenship Choose a Selection 0.000 Loan Balance Choose a Selection #N/A Purpose Choose a Selection #N/A DSCR Cashout Choose a Selection 0.000
Occupancy Non-Owner (Alt Doc/DSCR) Property Type Choose a Selection Loan Term 30YR Fixed Escrow Choose a Selection Prepayment Penalty Choose a Selection NJ - Title Vesting State Choose a Selection Lock Term 30 Day Buydown No Subordinate Financing No Possible Eligibility Issue No State Tier Adjusment Choose a Selection Special Not Applicable Total LLPA0.000 0.000 #N/A 0.000 0.000 0.000 0.000 #N/A 0.000 0.000 0.000 0.000 FALSE #N/A
Gross Rate Sheet Price (Prior to LLPAs)#N/A
Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)Minimum Rate
Max YSP#N/A
Final Price →#N/A
MANUAL LPC CALCULATOR
Loan amount$500,000.00
LPC %2.250$11,250.00
LPC Flat Fee0.000
Total LPC LLPA2.250
Final Price AFTER LPC →#N/A
*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only
*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit

Minimum Rate

loanstreamwholesale.com-LS-NonQM-DSCR-Ratesheet-08.17.2026.pdf · 2026-08-17

Base PriceDSCR LoanStream
30 Day Lock Rate DSCR DSCR 5-8 5.990 97.838 #N/A 6.125 98.463 #N/A 6.250 98.900 #N/A 6.375 99.276 #N/A 6.499 99.776 #N/A 6.625 100.244 #N/A 6.750 100.682 #N/A 6.875 101.104 #N/A 6.999 101.510 #N/A 7.125 101.885 #N/A 7.250 102.260 97.350 7.375 102.635 97.725Loan Level Pricing Adjustments FICO/LTV <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 780+ 1.375 1.150 1.025 1.000 0.750 0.550 (0.625) (2.500) 760-779 1.150 1.000 1.000 0.850 0.500 0.425 (0.875) (2.750) 740-759 1.000 0.875 0.875 0.713 0.400 0.213 (1.000) (3.000) 720-739 0.875 0.750 0.750 0.650 0.025 (0.100) (1.875) (3.500) 700-719 0.650 0.375 0.125 0.025 (0.250) (1.000) (2.625) #N/A 680-699 0.250 (0.125) (0.125) (0.250) (0.850) (1.500) (3.375) #N/A 660-679 (0.250) (0.250) (0.750) (1.250) (1.975) (2.600) #N/A #N/A 640-659 (0.900) (1.250) (1.650) (1.875) (2.875) (3.625) #N/A #N/A 620-639 (2.000) (2.250) (2.400) (2.875) (3.625) #N/A #N/A #N/A Program
7.499 7.625 7.750 7.875 7.999 8.125 8.250 8.375 8.499 8.625 8.750 8.875 8.999 9.125102.979 103.291 103.572 103.854 104.135 104.416 104.697 104.979 105.260 105.510 105.760 106.010 106.260 106.51098.350 98.850 99.100 99.350 99.850 100.100 100.350 100.600 100.975 101.350 101.600 101.975 102.100 102.475SELECT - DSCR 0.500 0.500 0.500 0.500 0.500 0.500 #N/A #N/A Core DSCR (≥1.20) 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 Core DSCR (≥1.00) 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Sub1 DSCR (0.75-0.99) (2.000) (2.000) (2.000) (2.000) (2.000) (2.000) #N/A #N/A No Ratio DSCR - < 0.75 (3.000) (3.000) (3.000) (3.000) (3.000) #N/A #N/A #N/A DSCR Fusion (DSCR + Asset Util) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) #N/A Purpose Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Rate Term Refi 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.250 Cash Out Refi (0.125) (0.250) (0.375) (0.500) (0.500) (0.500) (1.750) #N/A Rate Term Refi FICO < 680 (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.375) #N/A Cash Out Refi FICO < 680 (0.500) (0.500) (0.625) (0.750) (0.750) #N/A #N/A #N/A Loan Amount <$150,000 (0.250) (0.500) (0.500) (0.500) (0.500) (0.750) (0.750) (1.500)
9.250106.635102.725$150,001-$250,0000.0000.0000.0000.0000.0000.0000.000(0.250)
9.375106.760103.100$250,001-$1,000,0000.2500.2500.2500.2500.2500.2500.2500.250
9.499106.885103.475>$1,000,0000.3750.2500.2500.2500.2500.0000.0000.000
9.625107.010103.725>$1,500,0000.0000.0000.0000.0000.0000.0000.0000.000
9.750107.135103.975>$2,000,000(0.125)(0.125)(0.125)(0.250)(0.250)(0.250)(0.500)#N/A
9.875107.260104.225>$2,500,000(0.375)(0.375)(0.500)(0.500)(0.500)(0.500)(0.750)#N/A
9.999107.385104.475>$3,000,000(1.000)(1.000)(1.000)(1.000)(1.250)(1.500)#N/A#N/A
10.125107.510104.725>$3,500,000(2.000)(2.250)(2.500)(3.000)#N/A#N/A#N/A#N/A
10.250107.635104.975Property/Units
10.375107.760105.225NW Condo(1.000)(1.000)(1.000)(1.000)(1.000)(1.500)#N/A#N/A
10.499107.885105.475Short Term Rental(0.500)(0.500)(0.500)(0.500)(0.500)(0.625)(0.750)#N/A
10.625108.010105.7252 Units0.0000.0000.0000.0000.0000.0000.000#N/A
NonQM Price Calculator Reset Inputs Interest Rate → Choose a Selection LTV Range Choose a Selection FICO Range Choose a Selection FALSE Program Core DSCR (≥1.20) #N/A Reserves Choose a Selection 0.000 Payment History Choose a Selection #N/A Credit Events Choose a Selection #N/A Doc Type DSCR 0.000 Additional Adjs Choose a Selection #N/A Citizenship Choose a Selection 0.000 Loan Balance Choose a Selection #N/A Purpose Choose a Selection #N/A DSCR Cashout Choose a Selection 0.000
Occupancy Non-Owner (Alt Doc/DSCR) Property Type Choose a Selection Loan Term 30YR Fixed Escrow Choose a Selection Prepayment Penalty Choose a Selection NJ - Title Vesting State Choose a Selection Lock Term 30 Day Buydown No Subordinate Financing No Possible Eligibility Issue No State Tier Adjusment Choose a Selection Special Not Applicable Total LLPA0.000 0.000 #N/A 0.000 0.000 0.000 0.000 #N/A 0.000 0.000 0.000 0.000 FALSE #N/A
Gross Rate Sheet Price (Prior to LLPAs)#N/A
Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)Minimum Rate
Max YSP#N/A
Final Price →#N/A
MANUAL LPC CALCULATOR
Loan amount$500,000.00
LPC %2.250$11,250.00
LPC Flat Fee0.000
Total LPC LLPA2.250
Final Price AFTER LPC →#N/A
*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only
*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit

LLPA

loanstreamwholesale.com-LS-NonQM-DSCR-Ratesheet-08.17.2026.pdf · 2026-08-17

Base PriceDSCR LoanStream
30 Day Lock Rate DSCR DSCR 5-8 5.990 97.838 #N/A 6.125 98.463 #N/A 6.250 98.900 #N/A 6.375 99.276 #N/A 6.499 99.776 #N/A 6.625 100.244 #N/A 6.750 100.682 #N/A 6.875 101.104 #N/A 6.999 101.510 #N/A 7.125 101.885 #N/A 7.250 102.260 97.350 7.375 102.635 97.725Loan Level Pricing Adjustments FICO/LTV <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 780+ 1.375 1.150 1.025 1.000 0.750 0.550 (0.625) (2.500) 760-779 1.150 1.000 1.000 0.850 0.500 0.425 (0.875) (2.750) 740-759 1.000 0.875 0.875 0.713 0.400 0.213 (1.000) (3.000) 720-739 0.875 0.750 0.750 0.650 0.025 (0.100) (1.875) (3.500) 700-719 0.650 0.375 0.125 0.025 (0.250) (1.000) (2.625) #N/A 680-699 0.250 (0.125) (0.125) (0.250) (0.850) (1.500) (3.375) #N/A 660-679 (0.250) (0.250) (0.750) (1.250) (1.975) (2.600) #N/A #N/A 640-659 (0.900) (1.250) (1.650) (1.875) (2.875) (3.625) #N/A #N/A 620-639 (2.000) (2.250) (2.400) (2.875) (3.625) #N/A #N/A #N/A Program
7.499 7.625 7.750 7.875 7.999 8.125 8.250 8.375 8.499 8.625 8.750 8.875 8.999 9.125102.979 103.291 103.572 103.854 104.135 104.416 104.697 104.979 105.260 105.510 105.760 106.010 106.260 106.51098.350 98.850 99.100 99.350 99.850 100.100 100.350 100.600 100.975 101.350 101.600 101.975 102.100 102.475SELECT - DSCR 0.500 0.500 0.500 0.500 0.500 0.500 #N/A #N/A Core DSCR (≥1.20) 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 Core DSCR (≥1.00) 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Sub1 DSCR (0.75-0.99) (2.000) (2.000) (2.000) (2.000) (2.000) (2.000) #N/A #N/A No Ratio DSCR - < 0.75 (3.000) (3.000) (3.000) (3.000) (3.000) #N/A #N/A #N/A DSCR Fusion (DSCR + Asset Util) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) #N/A Purpose Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Rate Term Refi 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.250 Cash Out Refi (0.125) (0.250) (0.375) (0.500) (0.500) (0.500) (1.750) #N/A Rate Term Refi FICO < 680 (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.375) #N/A Cash Out Refi FICO < 680 (0.500) (0.500) (0.625) (0.750) (0.750) #N/A #N/A #N/A Loan Amount <$150,000 (0.250) (0.500) (0.500) (0.500) (0.500) (0.750) (0.750) (1.500)
9.250106.635102.725$150,001-$250,0000.0000.0000.0000.0000.0000.0000.000(0.250)
9.375106.760103.100$250,001-$1,000,0000.2500.2500.2500.2500.2500.2500.2500.250
9.499106.885103.475>$1,000,0000.3750.2500.2500.2500.2500.0000.0000.000
9.625107.010103.725>$1,500,0000.0000.0000.0000.0000.0000.0000.0000.000
9.750107.135103.975>$2,000,000(0.125)(0.125)(0.125)(0.250)(0.250)(0.250)(0.500)#N/A
9.875107.260104.225>$2,500,000(0.375)(0.375)(0.500)(0.500)(0.500)(0.500)(0.750)#N/A
9.999107.385104.475>$3,000,000(1.000)(1.000)(1.000)(1.000)(1.250)(1.500)#N/A#N/A
10.125107.510104.725>$3,500,000(2.000)(2.250)(2.500)(3.000)#N/A#N/A#N/A#N/A
10.250107.635104.975Property/Units
10.375107.760105.225NW Condo(1.000)(1.000)(1.000)(1.000)(1.000)(1.500)#N/A#N/A
10.499107.885105.475Short Term Rental(0.500)(0.500)(0.500)(0.500)(0.500)(0.625)(0.750)#N/A
10.625108.010105.7252 Units0.0000.0000.0000.0000.0000.0000.000#N/A
NonQM Price Calculator Reset Inputs Interest Rate → Choose a Selection LTV Range Choose a Selection FICO Range Choose a Selection FALSE Program Core DSCR (≥1.20) #N/A Reserves Choose a Selection 0.000 Payment History Choose a Selection #N/A Credit Events Choose a Selection #N/A Doc Type DSCR 0.000 Additional Adjs Choose a Selection #N/A Citizenship Choose a Selection 0.000 Loan Balance Choose a Selection #N/A Purpose Choose a Selection #N/A DSCR Cashout Choose a Selection 0.000
Occupancy Non-Owner (Alt Doc/DSCR) Property Type Choose a Selection Loan Term 30YR Fixed Escrow Choose a Selection Prepayment Penalty Choose a Selection NJ - Title Vesting State Choose a Selection Lock Term 30 Day Buydown No Subordinate Financing No Possible Eligibility Issue No State Tier Adjusment Choose a Selection Special Not Applicable Total LLPA0.000 0.000 #N/A 0.000 0.000 0.000 0.000 #N/A 0.000 0.000 0.000 0.000 FALSE #N/A
Gross Rate Sheet Price (Prior to LLPAs)#N/A
Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)Minimum Rate
Max YSP#N/A
Final Price →#N/A
MANUAL LPC CALCULATOR
Loan amount$500,000.00
LPC %2.250$11,250.00
LPC Flat Fee0.000
Total LPC LLPA2.250
Final Price AFTER LPC →#N/A
*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only
*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit

Caps

loanstreamwholesale.com-LS-NonQM-DSCR-Ratesheet-08.17.2026.pdf · 2026-08-17

Base PriceDSCR LoanStream
30 Day Lock Rate DSCR DSCR 5-8 5.990 97.838 #N/A 6.125 98.463 #N/A 6.250 98.900 #N/A 6.375 99.276 #N/A 6.499 99.776 #N/A 6.625 100.244 #N/A 6.750 100.682 #N/A 6.875 101.104 #N/A 6.999 101.510 #N/A 7.125 101.885 #N/A 7.250 102.260 97.350 7.375 102.635 97.725Loan Level Pricing Adjustments FICO/LTV <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 780+ 1.375 1.150 1.025 1.000 0.750 0.550 (0.625) (2.500) 760-779 1.150 1.000 1.000 0.850 0.500 0.425 (0.875) (2.750) 740-759 1.000 0.875 0.875 0.713 0.400 0.213 (1.000) (3.000) 720-739 0.875 0.750 0.750 0.650 0.025 (0.100) (1.875) (3.500) 700-719 0.650 0.375 0.125 0.025 (0.250) (1.000) (2.625) #N/A 680-699 0.250 (0.125) (0.125) (0.250) (0.850) (1.500) (3.375) #N/A 660-679 (0.250) (0.250) (0.750) (1.250) (1.975) (2.600) #N/A #N/A 640-659 (0.900) (1.250) (1.650) (1.875) (2.875) (3.625) #N/A #N/A 620-639 (2.000) (2.250) (2.400) (2.875) (3.625) #N/A #N/A #N/A Program
7.499 7.625 7.750 7.875 7.999 8.125 8.250 8.375 8.499 8.625 8.750 8.875 8.999 9.125102.979 103.291 103.572 103.854 104.135 104.416 104.697 104.979 105.260 105.510 105.760 106.010 106.260 106.51098.350 98.850 99.100 99.350 99.850 100.100 100.350 100.600 100.975 101.350 101.600 101.975 102.100 102.475SELECT - DSCR 0.500 0.500 0.500 0.500 0.500 0.500 #N/A #N/A Core DSCR (≥1.20) 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 Core DSCR (≥1.00) 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Sub1 DSCR (0.75-0.99) (2.000) (2.000) (2.000) (2.000) (2.000) (2.000) #N/A #N/A No Ratio DSCR - < 0.75 (3.000) (3.000) (3.000) (3.000) (3.000) #N/A #N/A #N/A DSCR Fusion (DSCR + Asset Util) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) #N/A Purpose Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Rate Term Refi 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.250 Cash Out Refi (0.125) (0.250) (0.375) (0.500) (0.500) (0.500) (1.750) #N/A Rate Term Refi FICO < 680 (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.375) #N/A Cash Out Refi FICO < 680 (0.500) (0.500) (0.625) (0.750) (0.750) #N/A #N/A #N/A Loan Amount <$150,000 (0.250) (0.500) (0.500) (0.500) (0.500) (0.750) (0.750) (1.500)
9.250106.635102.725$150,001-$250,0000.0000.0000.0000.0000.0000.0000.000(0.250)
9.375106.760103.100$250,001-$1,000,0000.2500.2500.2500.2500.2500.2500.2500.250
9.499106.885103.475>$1,000,0000.3750.2500.2500.2500.2500.0000.0000.000
9.625107.010103.725>$1,500,0000.0000.0000.0000.0000.0000.0000.0000.000
9.750107.135103.975>$2,000,000(0.125)(0.125)(0.125)(0.250)(0.250)(0.250)(0.500)#N/A
9.875107.260104.225>$2,500,000(0.375)(0.375)(0.500)(0.500)(0.500)(0.500)(0.750)#N/A
9.999107.385104.475>$3,000,000(1.000)(1.000)(1.000)(1.000)(1.250)(1.500)#N/A#N/A
10.125107.510104.725>$3,500,000(2.000)(2.250)(2.500)(3.000)#N/A#N/A#N/A#N/A
10.250107.635104.975Property/Units
10.375107.760105.225NW Condo(1.000)(1.000)(1.000)(1.000)(1.000)(1.500)#N/A#N/A
10.499107.885105.475Short Term Rental(0.500)(0.500)(0.500)(0.500)(0.500)(0.625)(0.750)#N/A
10.625108.010105.7252 Units0.0000.0000.0000.0000.0000.0000.000#N/A
NonQM Price Calculator Reset Inputs Interest Rate → Choose a Selection LTV Range Choose a Selection FICO Range Choose a Selection FALSE Program Core DSCR (≥1.20) #N/A Reserves Choose a Selection 0.000 Payment History Choose a Selection #N/A Credit Events Choose a Selection #N/A Doc Type DSCR 0.000 Additional Adjs Choose a Selection #N/A Citizenship Choose a Selection 0.000 Loan Balance Choose a Selection #N/A Purpose Choose a Selection #N/A DSCR Cashout Choose a Selection 0.000
Occupancy Non-Owner (Alt Doc/DSCR) Property Type Choose a Selection Loan Term 30YR Fixed Escrow Choose a Selection Prepayment Penalty Choose a Selection NJ - Title Vesting State Choose a Selection Lock Term 30 Day Buydown No Subordinate Financing No Possible Eligibility Issue No State Tier Adjusment Choose a Selection Special Not Applicable Total LLPA0.000 0.000 #N/A 0.000 0.000 0.000 0.000 #N/A 0.000 0.000 0.000 0.000 FALSE #N/A
Gross Rate Sheet Price (Prior to LLPAs)#N/A
Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)Minimum Rate
Max YSP#N/A
Final Price →#N/A
MANUAL LPC CALCULATOR
Loan amount$500,000.00
LPC %2.250$11,250.00
LPC Flat Fee0.000
Total LPC LLPA2.250
Final Price AFTER LPC →#N/A
*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only
*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit

Margin

loanstreamwholesale.com-LS-NonQM-DSCR-Ratesheet-08.17.2026.pdf · 2026-08-17

Base PriceDSCR LoanStream
30 Day Lock Rate DSCR DSCR 5-8 5.990 97.838 #N/A 6.125 98.463 #N/A 6.250 98.900 #N/A 6.375 99.276 #N/A 6.499 99.776 #N/A 6.625 100.244 #N/A 6.750 100.682 #N/A 6.875 101.104 #N/A 6.999 101.510 #N/A 7.125 101.885 #N/A 7.250 102.260 97.350 7.375 102.635 97.725Loan Level Pricing Adjustments FICO/LTV <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 780+ 1.375 1.150 1.025 1.000 0.750 0.550 (0.625) (2.500) 760-779 1.150 1.000 1.000 0.850 0.500 0.425 (0.875) (2.750) 740-759 1.000 0.875 0.875 0.713 0.400 0.213 (1.000) (3.000) 720-739 0.875 0.750 0.750 0.650 0.025 (0.100) (1.875) (3.500) 700-719 0.650 0.375 0.125 0.025 (0.250) (1.000) (2.625) #N/A 680-699 0.250 (0.125) (0.125) (0.250) (0.850) (1.500) (3.375) #N/A 660-679 (0.250) (0.250) (0.750) (1.250) (1.975) (2.600) #N/A #N/A 640-659 (0.900) (1.250) (1.650) (1.875) (2.875) (3.625) #N/A #N/A 620-639 (2.000) (2.250) (2.400) (2.875) (3.625) #N/A #N/A #N/A Program
7.499 7.625 7.750 7.875 7.999 8.125 8.250 8.375 8.499 8.625 8.750 8.875 8.999 9.125102.979 103.291 103.572 103.854 104.135 104.416 104.697 104.979 105.260 105.510 105.760 106.010 106.260 106.51098.350 98.850 99.100 99.350 99.850 100.100 100.350 100.600 100.975 101.350 101.600 101.975 102.100 102.475SELECT - DSCR 0.500 0.500 0.500 0.500 0.500 0.500 #N/A #N/A Core DSCR (≥1.20) 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 Core DSCR (≥1.00) 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Sub1 DSCR (0.75-0.99) (2.000) (2.000) (2.000) (2.000) (2.000) (2.000) #N/A #N/A No Ratio DSCR - < 0.75 (3.000) (3.000) (3.000) (3.000) (3.000) #N/A #N/A #N/A DSCR Fusion (DSCR + Asset Util) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) #N/A Purpose Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Rate Term Refi 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.250 Cash Out Refi (0.125) (0.250) (0.375) (0.500) (0.500) (0.500) (1.750) #N/A Rate Term Refi FICO < 680 (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.375) #N/A Cash Out Refi FICO < 680 (0.500) (0.500) (0.625) (0.750) (0.750) #N/A #N/A #N/A Loan Amount <$150,000 (0.250) (0.500) (0.500) (0.500) (0.500) (0.750) (0.750) (1.500)
9.250106.635102.725$150,001-$250,0000.0000.0000.0000.0000.0000.0000.000(0.250)
9.375106.760103.100$250,001-$1,000,0000.2500.2500.2500.2500.2500.2500.2500.250
9.499106.885103.475>$1,000,0000.3750.2500.2500.2500.2500.0000.0000.000
9.625107.010103.725>$1,500,0000.0000.0000.0000.0000.0000.0000.0000.000
9.750107.135103.975>$2,000,000(0.125)(0.125)(0.125)(0.250)(0.250)(0.250)(0.500)#N/A
9.875107.260104.225>$2,500,000(0.375)(0.375)(0.500)(0.500)(0.500)(0.500)(0.750)#N/A
9.999107.385104.475>$3,000,000(1.000)(1.000)(1.000)(1.000)(1.250)(1.500)#N/A#N/A
10.125107.510104.725>$3,500,000(2.000)(2.250)(2.500)(3.000)#N/A#N/A#N/A#N/A
10.250107.635104.975Property/Units
10.375107.760105.225NW Condo(1.000)(1.000)(1.000)(1.000)(1.000)(1.500)#N/A#N/A
10.499107.885105.475Short Term Rental(0.500)(0.500)(0.500)(0.500)(0.500)(0.625)(0.750)#N/A
10.625108.010105.7252 Units0.0000.0000.0000.0000.0000.0000.000#N/A
NonQM Price Calculator Reset Inputs Interest Rate → Choose a Selection LTV Range Choose a Selection FICO Range Choose a Selection FALSE Program Core DSCR (≥1.20) #N/A Reserves Choose a Selection 0.000 Payment History Choose a Selection #N/A Credit Events Choose a Selection #N/A Doc Type DSCR 0.000 Additional Adjs Choose a Selection #N/A Citizenship Choose a Selection 0.000 Loan Balance Choose a Selection #N/A Purpose Choose a Selection #N/A DSCR Cashout Choose a Selection 0.000
Occupancy Non-Owner (Alt Doc/DSCR) Property Type Choose a Selection Loan Term 30YR Fixed Escrow Choose a Selection Prepayment Penalty Choose a Selection NJ - Title Vesting State Choose a Selection Lock Term 30 Day Buydown No Subordinate Financing No Possible Eligibility Issue No State Tier Adjusment Choose a Selection Special Not Applicable Total LLPA0.000 0.000 #N/A 0.000 0.000 0.000 0.000 #N/A 0.000 0.000 0.000 0.000 FALSE #N/A
Gross Rate Sheet Price (Prior to LLPAs)#N/A
Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)Minimum Rate
Max YSP#N/A
Final Price →#N/A
MANUAL LPC CALCULATOR
Loan amount$500,000.00
LPC %2.250$11,250.00
LPC Flat Fee0.000
Total LPC LLPA2.250
Final Price AFTER LPC →#N/A
*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only
*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit

Temporary Guidance See Below Extension Cost

loanstreamwholesale.com-LS-NonQM-DSCR-Ratesheet-08.17.2026.pdf · 2026-08-17

Base PriceDSCR LoanStream
30 Day Lock Rate DSCR DSCR 5-8 5.990 97.838 #N/A 6.125 98.463 #N/A 6.250 98.900 #N/A 6.375 99.276 #N/A 6.499 99.776 #N/A 6.625 100.244 #N/A 6.750 100.682 #N/A 6.875 101.104 #N/A 6.999 101.510 #N/A 7.125 101.885 #N/A 7.250 102.260 97.350 7.375 102.635 97.725Loan Level Pricing Adjustments FICO/LTV <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 780+ 1.375 1.150 1.025 1.000 0.750 0.550 (0.625) (2.500) 760-779 1.150 1.000 1.000 0.850 0.500 0.425 (0.875) (2.750) 740-759 1.000 0.875 0.875 0.713 0.400 0.213 (1.000) (3.000) 720-739 0.875 0.750 0.750 0.650 0.025 (0.100) (1.875) (3.500) 700-719 0.650 0.375 0.125 0.025 (0.250) (1.000) (2.625) #N/A 680-699 0.250 (0.125) (0.125) (0.250) (0.850) (1.500) (3.375) #N/A 660-679 (0.250) (0.250) (0.750) (1.250) (1.975) (2.600) #N/A #N/A 640-659 (0.900) (1.250) (1.650) (1.875) (2.875) (3.625) #N/A #N/A 620-639 (2.000) (2.250) (2.400) (2.875) (3.625) #N/A #N/A #N/A Program
7.499 7.625 7.750 7.875 7.999 8.125 8.250 8.375 8.499 8.625 8.750 8.875 8.999 9.125102.979 103.291 103.572 103.854 104.135 104.416 104.697 104.979 105.260 105.510 105.760 106.010 106.260 106.51098.350 98.850 99.100 99.350 99.850 100.100 100.350 100.600 100.975 101.350 101.600 101.975 102.100 102.475SELECT - DSCR 0.500 0.500 0.500 0.500 0.500 0.500 #N/A #N/A Core DSCR (≥1.20) 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 Core DSCR (≥1.00) 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Sub1 DSCR (0.75-0.99) (2.000) (2.000) (2.000) (2.000) (2.000) (2.000) #N/A #N/A No Ratio DSCR - < 0.75 (3.000) (3.000) (3.000) (3.000) (3.000) #N/A #N/A #N/A DSCR Fusion (DSCR + Asset Util) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) #N/A Purpose Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Rate Term Refi 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.250 Cash Out Refi (0.125) (0.250) (0.375) (0.500) (0.500) (0.500) (1.750) #N/A Rate Term Refi FICO < 680 (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.375) #N/A Cash Out Refi FICO < 680 (0.500) (0.500) (0.625) (0.750) (0.750) #N/A #N/A #N/A Loan Amount <$150,000 (0.250) (0.500) (0.500) (0.500) (0.500) (0.750) (0.750) (1.500)
9.250106.635102.725$150,001-$250,0000.0000.0000.0000.0000.0000.0000.000(0.250)
9.375106.760103.100$250,001-$1,000,0000.2500.2500.2500.2500.2500.2500.2500.250
9.499106.885103.475>$1,000,0000.3750.2500.2500.2500.2500.0000.0000.000
9.625107.010103.725>$1,500,0000.0000.0000.0000.0000.0000.0000.0000.000
9.750107.135103.975>$2,000,000(0.125)(0.125)(0.125)(0.250)(0.250)(0.250)(0.500)#N/A
9.875107.260104.225>$2,500,000(0.375)(0.375)(0.500)(0.500)(0.500)(0.500)(0.750)#N/A
9.999107.385104.475>$3,000,000(1.000)(1.000)(1.000)(1.000)(1.250)(1.500)#N/A#N/A
10.125107.510104.725>$3,500,000(2.000)(2.250)(2.500)(3.000)#N/A#N/A#N/A#N/A
10.250107.635104.975Property/Units
10.375107.760105.225NW Condo(1.000)(1.000)(1.000)(1.000)(1.000)(1.500)#N/A#N/A
10.499107.885105.475Short Term Rental(0.500)(0.500)(0.500)(0.500)(0.500)(0.625)(0.750)#N/A
10.625108.010105.7252 Units0.0000.0000.0000.0000.0000.0000.000#N/A
NonQM Price Calculator Reset Inputs Interest Rate → Choose a Selection LTV Range Choose a Selection FICO Range Choose a Selection FALSE Program Core DSCR (≥1.20) #N/A Reserves Choose a Selection 0.000 Payment History Choose a Selection #N/A Credit Events Choose a Selection #N/A Doc Type DSCR 0.000 Additional Adjs Choose a Selection #N/A Citizenship Choose a Selection 0.000 Loan Balance Choose a Selection #N/A Purpose Choose a Selection #N/A DSCR Cashout Choose a Selection 0.000
Occupancy Non-Owner (Alt Doc/DSCR) Property Type Choose a Selection Loan Term 30YR Fixed Escrow Choose a Selection Prepayment Penalty Choose a Selection NJ - Title Vesting State Choose a Selection Lock Term 30 Day Buydown No Subordinate Financing No Possible Eligibility Issue No State Tier Adjusment Choose a Selection Special Not Applicable Total LLPA0.000 0.000 #N/A 0.000 0.000 0.000 0.000 #N/A 0.000 0.000 0.000 0.000 FALSE #N/A
Gross Rate Sheet Price (Prior to LLPAs)#N/A
Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)Minimum Rate
Max YSP#N/A
Final Price →#N/A
MANUAL LPC CALCULATOR
Loan amount$500,000.00
LPC %2.250$11,250.00
LPC Flat Fee0.000
Total LPC LLPA2.250
Final Price AFTER LPC →#N/A
*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only
*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit

Property/Units

loanstreamwholesale.com-LS-NonQM-DSCR-Ratesheet-08.17.2026.pdf · 2026-08-17

Base PriceDSCR LoanStream
30 Day Lock Rate DSCR DSCR 5-8 5.990 97.838 #N/A 6.125 98.463 #N/A 6.250 98.900 #N/A 6.375 99.276 #N/A 6.499 99.776 #N/A 6.625 100.244 #N/A 6.750 100.682 #N/A 6.875 101.104 #N/A 6.999 101.510 #N/A 7.125 101.885 #N/A 7.250 102.260 97.350 7.375 102.635 97.725Loan Level Pricing Adjustments FICO/LTV <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 780+ 1.375 1.150 1.025 1.000 0.750 0.550 (0.625) (2.500) 760-779 1.150 1.000 1.000 0.850 0.500 0.425 (0.875) (2.750) 740-759 1.000 0.875 0.875 0.713 0.400 0.213 (1.000) (3.000) 720-739 0.875 0.750 0.750 0.650 0.025 (0.100) (1.875) (3.500) 700-719 0.650 0.375 0.125 0.025 (0.250) (1.000) (2.625) #N/A 680-699 0.250 (0.125) (0.125) (0.250) (0.850) (1.500) (3.375) #N/A 660-679 (0.250) (0.250) (0.750) (1.250) (1.975) (2.600) #N/A #N/A 640-659 (0.900) (1.250) (1.650) (1.875) (2.875) (3.625) #N/A #N/A 620-639 (2.000) (2.250) (2.400) (2.875) (3.625) #N/A #N/A #N/A Program
7.499 7.625 7.750 7.875 7.999 8.125 8.250 8.375 8.499 8.625 8.750 8.875 8.999 9.125102.979 103.291 103.572 103.854 104.135 104.416 104.697 104.979 105.260 105.510 105.760 106.010 106.260 106.51098.350 98.850 99.100 99.350 99.850 100.100 100.350 100.600 100.975 101.350 101.600 101.975 102.100 102.475SELECT - DSCR 0.500 0.500 0.500 0.500 0.500 0.500 #N/A #N/A Core DSCR (≥1.20) 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 Core DSCR (≥1.00) 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Sub1 DSCR (0.75-0.99) (2.000) (2.000) (2.000) (2.000) (2.000) (2.000) #N/A #N/A No Ratio DSCR - < 0.75 (3.000) (3.000) (3.000) (3.000) (3.000) #N/A #N/A #N/A DSCR Fusion (DSCR + Asset Util) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) #N/A Purpose Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Rate Term Refi 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.250 Cash Out Refi (0.125) (0.250) (0.375) (0.500) (0.500) (0.500) (1.750) #N/A Rate Term Refi FICO < 680 (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.375) #N/A Cash Out Refi FICO < 680 (0.500) (0.500) (0.625) (0.750) (0.750) #N/A #N/A #N/A Loan Amount <$150,000 (0.250) (0.500) (0.500) (0.500) (0.500) (0.750) (0.750) (1.500)
9.250106.635102.725$150,001-$250,0000.0000.0000.0000.0000.0000.0000.000(0.250)
9.375106.760103.100$250,001-$1,000,0000.2500.2500.2500.2500.2500.2500.2500.250
9.499106.885103.475>$1,000,0000.3750.2500.2500.2500.2500.0000.0000.000
9.625107.010103.725>$1,500,0000.0000.0000.0000.0000.0000.0000.0000.000
9.750107.135103.975>$2,000,000(0.125)(0.125)(0.125)(0.250)(0.250)(0.250)(0.500)#N/A
9.875107.260104.225>$2,500,000(0.375)(0.375)(0.500)(0.500)(0.500)(0.500)(0.750)#N/A
9.999107.385104.475>$3,000,000(1.000)(1.000)(1.000)(1.000)(1.250)(1.500)#N/A#N/A
10.125107.510104.725>$3,500,000(2.000)(2.250)(2.500)(3.000)#N/A#N/A#N/A#N/A
10.250107.635104.975Property/Units
10.375107.760105.225NW Condo(1.000)(1.000)(1.000)(1.000)(1.000)(1.500)#N/A#N/A
10.499107.885105.475Short Term Rental(0.500)(0.500)(0.500)(0.500)(0.500)(0.625)(0.750)#N/A
10.625108.010105.7252 Units0.0000.0000.0000.0000.0000.0000.000#N/A
NonQM Price Calculator Reset Inputs Interest Rate → Choose a Selection LTV Range Choose a Selection FICO Range Choose a Selection FALSE Program Core DSCR (≥1.20) #N/A Reserves Choose a Selection 0.000 Payment History Choose a Selection #N/A Credit Events Choose a Selection #N/A Doc Type DSCR 0.000 Additional Adjs Choose a Selection #N/A Citizenship Choose a Selection 0.000 Loan Balance Choose a Selection #N/A Purpose Choose a Selection #N/A DSCR Cashout Choose a Selection 0.000
Occupancy Non-Owner (Alt Doc/DSCR) Property Type Choose a Selection Loan Term 30YR Fixed Escrow Choose a Selection Prepayment Penalty Choose a Selection NJ - Title Vesting State Choose a Selection Lock Term 30 Day Buydown No Subordinate Financing No Possible Eligibility Issue No State Tier Adjusment Choose a Selection Special Not Applicable Total LLPA0.000 0.000 #N/A 0.000 0.000 0.000 0.000 #N/A 0.000 0.000 0.000 0.000 FALSE #N/A
Gross Rate Sheet Price (Prior to LLPAs)#N/A
Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)Minimum Rate
Max YSP#N/A
Final Price →#N/A
MANUAL LPC CALCULATOR
Loan amount$500,000.00
LPC %2.250$11,250.00
LPC Flat Fee0.000
Total LPC LLPA2.250
Final Price AFTER LPC →#N/A
*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only
*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit

August Special

loanstreamwholesale.com-LS-NonQM-DSCR-Ratesheet-08.17.2026.pdf · 2026-08-17

Base PriceDSCR LoanStream
30 Day Lock Rate DSCR DSCR 5-8 5.990 97.838 #N/A 6.125 98.463 #N/A 6.250 98.900 #N/A 6.375 99.276 #N/A 6.499 99.776 #N/A 6.625 100.244 #N/A 6.750 100.682 #N/A 6.875 101.104 #N/A 6.999 101.510 #N/A 7.125 101.885 #N/A 7.250 102.260 97.350 7.375 102.635 97.725Loan Level Pricing Adjustments FICO/LTV <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 780+ 1.375 1.150 1.025 1.000 0.750 0.550 (0.625) (2.500) 760-779 1.150 1.000 1.000 0.850 0.500 0.425 (0.875) (2.750) 740-759 1.000 0.875 0.875 0.713 0.400 0.213 (1.000) (3.000) 720-739 0.875 0.750 0.750 0.650 0.025 (0.100) (1.875) (3.500) 700-719 0.650 0.375 0.125 0.025 (0.250) (1.000) (2.625) #N/A 680-699 0.250 (0.125) (0.125) (0.250) (0.850) (1.500) (3.375) #N/A 660-679 (0.250) (0.250) (0.750) (1.250) (1.975) (2.600) #N/A #N/A 640-659 (0.900) (1.250) (1.650) (1.875) (2.875) (3.625) #N/A #N/A 620-639 (2.000) (2.250) (2.400) (2.875) (3.625) #N/A #N/A #N/A Program
7.499 7.625 7.750 7.875 7.999 8.125 8.250 8.375 8.499 8.625 8.750 8.875 8.999 9.125102.979 103.291 103.572 103.854 104.135 104.416 104.697 104.979 105.260 105.510 105.760 106.010 106.260 106.51098.350 98.850 99.100 99.350 99.850 100.100 100.350 100.600 100.975 101.350 101.600 101.975 102.100 102.475SELECT - DSCR 0.500 0.500 0.500 0.500 0.500 0.500 #N/A #N/A Core DSCR (≥1.20) 0.375 0.375 0.375 0.375 0.375 0.375 0.375 0.375 Core DSCR (≥1.00) 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Sub1 DSCR (0.75-0.99) (2.000) (2.000) (2.000) (2.000) (2.000) (2.000) #N/A #N/A No Ratio DSCR - < 0.75 (3.000) (3.000) (3.000) (3.000) (3.000) #N/A #N/A #N/A DSCR Fusion (DSCR + Asset Util) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) (1.750) #N/A Purpose Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Rate Term Refi 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.250 Cash Out Refi (0.125) (0.250) (0.375) (0.500) (0.500) (0.500) (1.750) #N/A Rate Term Refi FICO < 680 (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.375) #N/A Cash Out Refi FICO < 680 (0.500) (0.500) (0.625) (0.750) (0.750) #N/A #N/A #N/A Loan Amount <$150,000 (0.250) (0.500) (0.500) (0.500) (0.500) (0.750) (0.750) (1.500)
9.250106.635102.725$150,001-$250,0000.0000.0000.0000.0000.0000.0000.000(0.250)
9.375106.760103.100$250,001-$1,000,0000.2500.2500.2500.2500.2500.2500.2500.250
9.499106.885103.475>$1,000,0000.3750.2500.2500.2500.2500.0000.0000.000
9.625107.010103.725>$1,500,0000.0000.0000.0000.0000.0000.0000.0000.000
9.750107.135103.975>$2,000,000(0.125)(0.125)(0.125)(0.250)(0.250)(0.250)(0.500)#N/A
9.875107.260104.225>$2,500,000(0.375)(0.375)(0.500)(0.500)(0.500)(0.500)(0.750)#N/A
9.999107.385104.475>$3,000,000(1.000)(1.000)(1.000)(1.000)(1.250)(1.500)#N/A#N/A
10.125107.510104.725>$3,500,000(2.000)(2.250)(2.500)(3.000)#N/A#N/A#N/A#N/A
10.250107.635104.975Property/Units
10.375107.760105.225NW Condo(1.000)(1.000)(1.000)(1.000)(1.000)(1.500)#N/A#N/A
10.499107.885105.475Short Term Rental(0.500)(0.500)(0.500)(0.500)(0.500)(0.625)(0.750)#N/A
10.625108.010105.7252 Units0.0000.0000.0000.0000.0000.0000.000#N/A
NonQM Price Calculator Reset Inputs Interest Rate → Choose a Selection LTV Range Choose a Selection FICO Range Choose a Selection FALSE Program Core DSCR (≥1.20) #N/A Reserves Choose a Selection 0.000 Payment History Choose a Selection #N/A Credit Events Choose a Selection #N/A Doc Type DSCR 0.000 Additional Adjs Choose a Selection #N/A Citizenship Choose a Selection 0.000 Loan Balance Choose a Selection #N/A Purpose Choose a Selection #N/A DSCR Cashout Choose a Selection 0.000
Occupancy Non-Owner (Alt Doc/DSCR) Property Type Choose a Selection Loan Term 30YR Fixed Escrow Choose a Selection Prepayment Penalty Choose a Selection NJ - Title Vesting State Choose a Selection Lock Term 30 Day Buydown No Subordinate Financing No Possible Eligibility Issue No State Tier Adjusment Choose a Selection Special Not Applicable Total LLPA0.000 0.000 #N/A 0.000 0.000 0.000 0.000 #N/A 0.000 0.000 0.000 0.000 FALSE #N/A
Gross Rate Sheet Price (Prior to LLPAs)#N/A
Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)Minimum Rate
Max YSP#N/A
Final Price →#N/A
MANUAL LPC CALCULATOR
Loan amount$500,000.00
LPC %2.250$11,250.00
LPC Flat Fee0.000
Total LPC LLPA2.250
Final Price AFTER LPC →#N/A
*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only
*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit

Alt Doc

loanstreamwholesale.com-LS-NonQM-DSCR-Ratesheet-08.17.2026.pdf · 2026-08-17

NonQM LoanStream
Loan Level Pricing Adjustments FICO/LTV <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 780+ 0.875 0.625 0.625 0.625 0.500 0.225 (0.500) (1.625) (3.525) 760-779 0.650 0.588 0.588 0.500 0.375 0.125 (0.625) (2.125) (3.775) 740-759 0.588 0.500 0.500 0.375 0.125 (0.375) (0.875) (2.375) (4.025) 720-739 0.500 0.375 0.375 0.125 (0.250) (0.600) (1.150) (3.125) (4.525) 700-719 0.125 (0.125) (0.125) (0.500) (0.625) (1.125) (2.025) (3.875) (5.275) 680-699 (0.125) (0.250) (0.350) (0.625) (1.125) (1.750) (3.050) (4.875) #N/A 660-679 (0.625) (0.625) (0.500) (0.875) (1.375) (2.725) (4.000) #N/A #N/A 640-659 (1.375) (1.500) (1.750) (2.000) (2.250) (3.875) (4.900) #N/A #N/A 620-639 (2.500) (2.500) (2.625) (2.775) (3.275) (4.775) (5.875) #N/A #N/A 600-619 (3.000) (3.250) (3.500) (3.750) (4.250) (5.625) (6.625) #N/A #N/A Program
SELECT 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 #N/A Core 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Income Doc Types VOE w/ Bank Statement (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) 1099 w/ Bank Statement (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) Asset Utilization (0.375) (0.500) (0.500) (0.500) (0.750) (1.000) (1.500) #N/A #N/A P&L w/ Bank Statement (0.125) (0.250) (0.250) (0.250) (0.250) (0.250) (0.375) (0.375) (0.500) P&L Only (0.750) (0.750) (0.750) (0.750) (1.000) (1.500) (2.000) #N/A #N/A Professional 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 Purpose Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Rate Term Refi 0.000 0.000 0.000 0.000 0.000 0.000 (0.125) (0.125) #N/A Cash Out Refi 0.000 (0.125) (0.125) (0.250) (0.250) (0.250) (0.500) #N/A #N/A Rate Term Refi FICO < 680 (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) (0.500) #N/A #N/A
Cash Out Refi FICO < 680(0.500)(0.500)(0.625)(0.625)(0.750)(1.000)#N/A#N/A#N/A
Loan Amount
<$150,000(0.500)(0.750)(0.750)(0.750)(0.750)(0.875)(1.000)(1.250)(1.250)
$150,001-$250,0000.0000.000(0.125)(0.125)(0.125)(0.125)(0.250)(0.250)(0.250)
$250,001-$500,0000.1250.1250.1250.1250.1250.1250.1250.0000.000
$500,001-$1,000,0000.3750.3750.3750.3750.3750.2500.2500.2500.250
>$1,000,0000.6250.3750.3750.2500.2500.2500.2500.0000.000
>$1,500,0000.2500.2500.1250.1250.1250.1250.1250.0000.000
>$2,000,000(0.250)(0.250)(0.250)(0.250)(0.250)(0.250)(0.375)(0.500)#N/A
>$2,500,000(0.500)(0.500)(0.500)(0.500)(0.500)(0.500)(0.500)#N/A#N/A
>$3,000,000(1.000)(1.000)(1.000)(1.000)(1.000)(1.000)(1.000)#N/A#N/A
>$3,500,000(2.000)(2.000)(2.000)(2.000)(2.000)#N/A#N/A#N/A#N/A
NonQM Price Calculator Inputs Interest Rate → Choose a Selection Reset LTV Range Choose a Selection FICO Range Choose a Selection FALSE Program Choose a Selection #N/A Reserves Choose a Selection 0.000 Payment History Choose a Selection #N/A Credit Events NONE 0.000 Doc Type Choose a Selection 0.000 Additional Adjs Choose a Selection #N/A Citizenship Choose a Selection 0.000 DTI Choose a Selection 0.000 Loan Balance Choose a Selection #N/A Purpose Choose a Selection #N/A
Occupancy Choose a Selection 0.000 Property Type Choose a Selection 0.000 Loan Term Choose a Selection 0.000 Escrow Choose a Selection 0.000 Prepayment Penalty Choose a Selection 0.000 NJ - Title Vesting 0.000 State Choose a Selection 0.000 Lock Term 30 Day #N/A Buydown Choose a Selection 0.000 Subordinate Financing Choose a Selection 0.000 Possible Eligibility Issue Choose a Selection 0.000 State Tier Adjusment Choose a Selection 0.000 Special Not Applicable FALSE Total LLPA #N/A
Gross Rate Sheet Price (Prior to LLPAs)#N/A
Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)Minimum Rate
Max YSP#N/A
Final Price →#N/A
MANUAL LPC CALCULATOR
Loan amount$500,000.00
LPC %2.250$11,250.00
LPC Flat Fee0.000
Total LPC LLPA2.250
Final Price AFTER LPC →#N/A
*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only
*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit

FALSE

loanstreamwholesale.com-LS-NonQM-DSCR-Ratesheet-08.17.2026.pdf · 2026-08-17

NonQM LoanStream
Loan Level Pricing Adjustments FICO/LTV <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 780+ 0.875 0.625 0.625 0.625 0.500 0.225 (0.500) (1.625) (3.525) 760-779 0.650 0.588 0.588 0.500 0.375 0.125 (0.625) (2.125) (3.775) 740-759 0.588 0.500 0.500 0.375 0.125 (0.375) (0.875) (2.375) (4.025) 720-739 0.500 0.375 0.375 0.125 (0.250) (0.600) (1.150) (3.125) (4.525) 700-719 0.125 (0.125) (0.125) (0.500) (0.625) (1.125) (2.025) (3.875) (5.275) 680-699 (0.125) (0.250) (0.350) (0.625) (1.125) (1.750) (3.050) (4.875) #N/A 660-679 (0.625) (0.625) (0.500) (0.875) (1.375) (2.725) (4.000) #N/A #N/A 640-659 (1.375) (1.500) (1.750) (2.000) (2.250) (3.875) (4.900) #N/A #N/A 620-639 (2.500) (2.500) (2.625) (2.775) (3.275) (4.775) (5.875) #N/A #N/A 600-619 (3.000) (3.250) (3.500) (3.750) (4.250) (5.625) (6.625) #N/A #N/A Program
SELECT 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 #N/A Core 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Income Doc Types VOE w/ Bank Statement (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) 1099 w/ Bank Statement (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) Asset Utilization (0.375) (0.500) (0.500) (0.500) (0.750) (1.000) (1.500) #N/A #N/A P&L w/ Bank Statement (0.125) (0.250) (0.250) (0.250) (0.250) (0.250) (0.375) (0.375) (0.500) P&L Only (0.750) (0.750) (0.750) (0.750) (1.000) (1.500) (2.000) #N/A #N/A Professional 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 Purpose Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Rate Term Refi 0.000 0.000 0.000 0.000 0.000 0.000 (0.125) (0.125) #N/A Cash Out Refi 0.000 (0.125) (0.125) (0.250) (0.250) (0.250) (0.500) #N/A #N/A Rate Term Refi FICO < 680 (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) (0.500) #N/A #N/A
Cash Out Refi FICO < 680(0.500)(0.500)(0.625)(0.625)(0.750)(1.000)#N/A#N/A#N/A
Loan Amount
<$150,000(0.500)(0.750)(0.750)(0.750)(0.750)(0.875)(1.000)(1.250)(1.250)
$150,001-$250,0000.0000.000(0.125)(0.125)(0.125)(0.125)(0.250)(0.250)(0.250)
$250,001-$500,0000.1250.1250.1250.1250.1250.1250.1250.0000.000
$500,001-$1,000,0000.3750.3750.3750.3750.3750.2500.2500.2500.250
>$1,000,0000.6250.3750.3750.2500.2500.2500.2500.0000.000
>$1,500,0000.2500.2500.1250.1250.1250.1250.1250.0000.000
>$2,000,000(0.250)(0.250)(0.250)(0.250)(0.250)(0.250)(0.375)(0.500)#N/A
>$2,500,000(0.500)(0.500)(0.500)(0.500)(0.500)(0.500)(0.500)#N/A#N/A
>$3,000,000(1.000)(1.000)(1.000)(1.000)(1.000)(1.000)(1.000)#N/A#N/A
>$3,500,000(2.000)(2.000)(2.000)(2.000)(2.000)#N/A#N/A#N/A#N/A
NonQM Price Calculator Inputs Interest Rate → Choose a Selection Reset LTV Range Choose a Selection FICO Range Choose a Selection FALSE Program Choose a Selection #N/A Reserves Choose a Selection 0.000 Payment History Choose a Selection #N/A Credit Events NONE 0.000 Doc Type Choose a Selection 0.000 Additional Adjs Choose a Selection #N/A Citizenship Choose a Selection 0.000 DTI Choose a Selection 0.000 Loan Balance Choose a Selection #N/A Purpose Choose a Selection #N/A
Occupancy Choose a Selection 0.000 Property Type Choose a Selection 0.000 Loan Term Choose a Selection 0.000 Escrow Choose a Selection 0.000 Prepayment Penalty Choose a Selection 0.000 NJ - Title Vesting 0.000 State Choose a Selection 0.000 Lock Term 30 Day #N/A Buydown Choose a Selection 0.000 Subordinate Financing Choose a Selection 0.000 Possible Eligibility Issue Choose a Selection 0.000 State Tier Adjusment Choose a Selection 0.000 Special Not Applicable FALSE Total LLPA #N/A
Gross Rate Sheet Price (Prior to LLPAs)#N/A
Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)Minimum Rate
Max YSP#N/A
Final Price →#N/A
MANUAL LPC CALCULATOR
Loan amount$500,000.00
LPC %2.250$11,250.00
LPC Flat Fee0.000
Total LPC LLPA2.250
Final Price AFTER LPC →#N/A
*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only
*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit

NONE

loanstreamwholesale.com-LS-NonQM-DSCR-Ratesheet-08.17.2026.pdf · 2026-08-17

NonQM LoanStream
Loan Level Pricing Adjustments FICO/LTV <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 780+ 0.875 0.625 0.625 0.625 0.500 0.225 (0.500) (1.625) (3.525) 760-779 0.650 0.588 0.588 0.500 0.375 0.125 (0.625) (2.125) (3.775) 740-759 0.588 0.500 0.500 0.375 0.125 (0.375) (0.875) (2.375) (4.025) 720-739 0.500 0.375 0.375 0.125 (0.250) (0.600) (1.150) (3.125) (4.525) 700-719 0.125 (0.125) (0.125) (0.500) (0.625) (1.125) (2.025) (3.875) (5.275) 680-699 (0.125) (0.250) (0.350) (0.625) (1.125) (1.750) (3.050) (4.875) #N/A 660-679 (0.625) (0.625) (0.500) (0.875) (1.375) (2.725) (4.000) #N/A #N/A 640-659 (1.375) (1.500) (1.750) (2.000) (2.250) (3.875) (4.900) #N/A #N/A 620-639 (2.500) (2.500) (2.625) (2.775) (3.275) (4.775) (5.875) #N/A #N/A 600-619 (3.000) (3.250) (3.500) (3.750) (4.250) (5.625) (6.625) #N/A #N/A Program
SELECT 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 #N/A Core 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Income Doc Types VOE w/ Bank Statement (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) 1099 w/ Bank Statement (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) Asset Utilization (0.375) (0.500) (0.500) (0.500) (0.750) (1.000) (1.500) #N/A #N/A P&L w/ Bank Statement (0.125) (0.250) (0.250) (0.250) (0.250) (0.250) (0.375) (0.375) (0.500) P&L Only (0.750) (0.750) (0.750) (0.750) (1.000) (1.500) (2.000) #N/A #N/A Professional 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 Purpose Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Rate Term Refi 0.000 0.000 0.000 0.000 0.000 0.000 (0.125) (0.125) #N/A Cash Out Refi 0.000 (0.125) (0.125) (0.250) (0.250) (0.250) (0.500) #N/A #N/A Rate Term Refi FICO < 680 (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) (0.500) #N/A #N/A
Cash Out Refi FICO < 680(0.500)(0.500)(0.625)(0.625)(0.750)(1.000)#N/A#N/A#N/A
Loan Amount
<$150,000(0.500)(0.750)(0.750)(0.750)(0.750)(0.875)(1.000)(1.250)(1.250)
$150,001-$250,0000.0000.000(0.125)(0.125)(0.125)(0.125)(0.250)(0.250)(0.250)
$250,001-$500,0000.1250.1250.1250.1250.1250.1250.1250.0000.000
$500,001-$1,000,0000.3750.3750.3750.3750.3750.2500.2500.2500.250
>$1,000,0000.6250.3750.3750.2500.2500.2500.2500.0000.000
>$1,500,0000.2500.2500.1250.1250.1250.1250.1250.0000.000
>$2,000,000(0.250)(0.250)(0.250)(0.250)(0.250)(0.250)(0.375)(0.500)#N/A
>$2,500,000(0.500)(0.500)(0.500)(0.500)(0.500)(0.500)(0.500)#N/A#N/A
>$3,000,000(1.000)(1.000)(1.000)(1.000)(1.000)(1.000)(1.000)#N/A#N/A
>$3,500,000(2.000)(2.000)(2.000)(2.000)(2.000)#N/A#N/A#N/A#N/A
NonQM Price Calculator Inputs Interest Rate → Choose a Selection Reset LTV Range Choose a Selection FICO Range Choose a Selection FALSE Program Choose a Selection #N/A Reserves Choose a Selection 0.000 Payment History Choose a Selection #N/A Credit Events NONE 0.000 Doc Type Choose a Selection 0.000 Additional Adjs Choose a Selection #N/A Citizenship Choose a Selection 0.000 DTI Choose a Selection 0.000 Loan Balance Choose a Selection #N/A Purpose Choose a Selection #N/A
Occupancy Choose a Selection 0.000 Property Type Choose a Selection 0.000 Loan Term Choose a Selection 0.000 Escrow Choose a Selection 0.000 Prepayment Penalty Choose a Selection 0.000 NJ - Title Vesting 0.000 State Choose a Selection 0.000 Lock Term 30 Day #N/A Buydown Choose a Selection 0.000 Subordinate Financing Choose a Selection 0.000 Possible Eligibility Issue Choose a Selection 0.000 State Tier Adjusment Choose a Selection 0.000 Special Not Applicable FALSE Total LLPA #N/A
Gross Rate Sheet Price (Prior to LLPAs)#N/A
Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)Minimum Rate
Max YSP#N/A
Final Price →#N/A
MANUAL LPC CALCULATOR
Loan amount$500,000.00
LPC %2.250$11,250.00
LPC Flat Fee0.000
Total LPC LLPA2.250
Final Price AFTER LPC →#N/A
*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only
*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit

FALSE

loanstreamwholesale.com-LS-NonQM-DSCR-Ratesheet-08.17.2026.pdf · 2026-08-17

NonQM LoanStream
Loan Level Pricing Adjustments FICO/LTV <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 780+ 0.875 0.625 0.625 0.625 0.500 0.225 (0.500) (1.625) (3.525) 760-779 0.650 0.588 0.588 0.500 0.375 0.125 (0.625) (2.125) (3.775) 740-759 0.588 0.500 0.500 0.375 0.125 (0.375) (0.875) (2.375) (4.025) 720-739 0.500 0.375 0.375 0.125 (0.250) (0.600) (1.150) (3.125) (4.525) 700-719 0.125 (0.125) (0.125) (0.500) (0.625) (1.125) (2.025) (3.875) (5.275) 680-699 (0.125) (0.250) (0.350) (0.625) (1.125) (1.750) (3.050) (4.875) #N/A 660-679 (0.625) (0.625) (0.500) (0.875) (1.375) (2.725) (4.000) #N/A #N/A 640-659 (1.375) (1.500) (1.750) (2.000) (2.250) (3.875) (4.900) #N/A #N/A 620-639 (2.500) (2.500) (2.625) (2.775) (3.275) (4.775) (5.875) #N/A #N/A 600-619 (3.000) (3.250) (3.500) (3.750) (4.250) (5.625) (6.625) #N/A #N/A Program
SELECT 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 #N/A Core 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Income Doc Types VOE w/ Bank Statement (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) 1099 w/ Bank Statement (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) Asset Utilization (0.375) (0.500) (0.500) (0.500) (0.750) (1.000) (1.500) #N/A #N/A P&L w/ Bank Statement (0.125) (0.250) (0.250) (0.250) (0.250) (0.250) (0.375) (0.375) (0.500) P&L Only (0.750) (0.750) (0.750) (0.750) (1.000) (1.500) (2.000) #N/A #N/A Professional 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 Purpose Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Rate Term Refi 0.000 0.000 0.000 0.000 0.000 0.000 (0.125) (0.125) #N/A Cash Out Refi 0.000 (0.125) (0.125) (0.250) (0.250) (0.250) (0.500) #N/A #N/A Rate Term Refi FICO < 680 (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) (0.500) #N/A #N/A
Cash Out Refi FICO < 680(0.500)(0.500)(0.625)(0.625)(0.750)(1.000)#N/A#N/A#N/A
Loan Amount
<$150,000(0.500)(0.750)(0.750)(0.750)(0.750)(0.875)(1.000)(1.250)(1.250)
$150,001-$250,0000.0000.000(0.125)(0.125)(0.125)(0.125)(0.250)(0.250)(0.250)
$250,001-$500,0000.1250.1250.1250.1250.1250.1250.1250.0000.000
$500,001-$1,000,0000.3750.3750.3750.3750.3750.2500.2500.2500.250
>$1,000,0000.6250.3750.3750.2500.2500.2500.2500.0000.000
>$1,500,0000.2500.2500.1250.1250.1250.1250.1250.0000.000
>$2,000,000(0.250)(0.250)(0.250)(0.250)(0.250)(0.250)(0.375)(0.500)#N/A
>$2,500,000(0.500)(0.500)(0.500)(0.500)(0.500)(0.500)(0.500)#N/A#N/A
>$3,000,000(1.000)(1.000)(1.000)(1.000)(1.000)(1.000)(1.000)#N/A#N/A
>$3,500,000(2.000)(2.000)(2.000)(2.000)(2.000)#N/A#N/A#N/A#N/A
NonQM Price Calculator Inputs Interest Rate → Choose a Selection Reset LTV Range Choose a Selection FICO Range Choose a Selection FALSE Program Choose a Selection #N/A Reserves Choose a Selection 0.000 Payment History Choose a Selection #N/A Credit Events NONE 0.000 Doc Type Choose a Selection 0.000 Additional Adjs Choose a Selection #N/A Citizenship Choose a Selection 0.000 DTI Choose a Selection 0.000 Loan Balance Choose a Selection #N/A Purpose Choose a Selection #N/A
Occupancy Choose a Selection 0.000 Property Type Choose a Selection 0.000 Loan Term Choose a Selection 0.000 Escrow Choose a Selection 0.000 Prepayment Penalty Choose a Selection 0.000 NJ - Title Vesting 0.000 State Choose a Selection 0.000 Lock Term 30 Day #N/A Buydown Choose a Selection 0.000 Subordinate Financing Choose a Selection 0.000 Possible Eligibility Issue Choose a Selection 0.000 State Tier Adjusment Choose a Selection 0.000 Special Not Applicable FALSE Total LLPA #N/A
Gross Rate Sheet Price (Prior to LLPAs)#N/A
Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)Minimum Rate
Max YSP#N/A
Final Price →#N/A
MANUAL LPC CALCULATOR
Loan amount$500,000.00
LPC %2.250$11,250.00
LPC Flat Fee0.000
Total LPC LLPA2.250
Final Price AFTER LPC →#N/A
*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only
*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit

Minimum Rate

loanstreamwholesale.com-LS-NonQM-DSCR-Ratesheet-08.17.2026.pdf · 2026-08-17

NonQM LoanStream
Loan Level Pricing Adjustments FICO/LTV <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 780+ 0.875 0.625 0.625 0.625 0.500 0.225 (0.500) (1.625) (3.525) 760-779 0.650 0.588 0.588 0.500 0.375 0.125 (0.625) (2.125) (3.775) 740-759 0.588 0.500 0.500 0.375 0.125 (0.375) (0.875) (2.375) (4.025) 720-739 0.500 0.375 0.375 0.125 (0.250) (0.600) (1.150) (3.125) (4.525) 700-719 0.125 (0.125) (0.125) (0.500) (0.625) (1.125) (2.025) (3.875) (5.275) 680-699 (0.125) (0.250) (0.350) (0.625) (1.125) (1.750) (3.050) (4.875) #N/A 660-679 (0.625) (0.625) (0.500) (0.875) (1.375) (2.725) (4.000) #N/A #N/A 640-659 (1.375) (1.500) (1.750) (2.000) (2.250) (3.875) (4.900) #N/A #N/A 620-639 (2.500) (2.500) (2.625) (2.775) (3.275) (4.775) (5.875) #N/A #N/A 600-619 (3.000) (3.250) (3.500) (3.750) (4.250) (5.625) (6.625) #N/A #N/A Program
SELECT 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 #N/A Core 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Income Doc Types VOE w/ Bank Statement (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) 1099 w/ Bank Statement (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) Asset Utilization (0.375) (0.500) (0.500) (0.500) (0.750) (1.000) (1.500) #N/A #N/A P&L w/ Bank Statement (0.125) (0.250) (0.250) (0.250) (0.250) (0.250) (0.375) (0.375) (0.500) P&L Only (0.750) (0.750) (0.750) (0.750) (1.000) (1.500) (2.000) #N/A #N/A Professional 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 Purpose Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Rate Term Refi 0.000 0.000 0.000 0.000 0.000 0.000 (0.125) (0.125) #N/A Cash Out Refi 0.000 (0.125) (0.125) (0.250) (0.250) (0.250) (0.500) #N/A #N/A Rate Term Refi FICO < 680 (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) (0.500) #N/A #N/A
Cash Out Refi FICO < 680(0.500)(0.500)(0.625)(0.625)(0.750)(1.000)#N/A#N/A#N/A
Loan Amount
<$150,000(0.500)(0.750)(0.750)(0.750)(0.750)(0.875)(1.000)(1.250)(1.250)
$150,001-$250,0000.0000.000(0.125)(0.125)(0.125)(0.125)(0.250)(0.250)(0.250)
$250,001-$500,0000.1250.1250.1250.1250.1250.1250.1250.0000.000
$500,001-$1,000,0000.3750.3750.3750.3750.3750.2500.2500.2500.250
>$1,000,0000.6250.3750.3750.2500.2500.2500.2500.0000.000
>$1,500,0000.2500.2500.1250.1250.1250.1250.1250.0000.000
>$2,000,000(0.250)(0.250)(0.250)(0.250)(0.250)(0.250)(0.375)(0.500)#N/A
>$2,500,000(0.500)(0.500)(0.500)(0.500)(0.500)(0.500)(0.500)#N/A#N/A
>$3,000,000(1.000)(1.000)(1.000)(1.000)(1.000)(1.000)(1.000)#N/A#N/A
>$3,500,000(2.000)(2.000)(2.000)(2.000)(2.000)#N/A#N/A#N/A#N/A
NonQM Price Calculator Inputs Interest Rate → Choose a Selection Reset LTV Range Choose a Selection FICO Range Choose a Selection FALSE Program Choose a Selection #N/A Reserves Choose a Selection 0.000 Payment History Choose a Selection #N/A Credit Events NONE 0.000 Doc Type Choose a Selection 0.000 Additional Adjs Choose a Selection #N/A Citizenship Choose a Selection 0.000 DTI Choose a Selection 0.000 Loan Balance Choose a Selection #N/A Purpose Choose a Selection #N/A
Occupancy Choose a Selection 0.000 Property Type Choose a Selection 0.000 Loan Term Choose a Selection 0.000 Escrow Choose a Selection 0.000 Prepayment Penalty Choose a Selection 0.000 NJ - Title Vesting 0.000 State Choose a Selection 0.000 Lock Term 30 Day #N/A Buydown Choose a Selection 0.000 Subordinate Financing Choose a Selection 0.000 Possible Eligibility Issue Choose a Selection 0.000 State Tier Adjusment Choose a Selection 0.000 Special Not Applicable FALSE Total LLPA #N/A
Gross Rate Sheet Price (Prior to LLPAs)#N/A
Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)Minimum Rate
Max YSP#N/A
Final Price →#N/A
MANUAL LPC CALCULATOR
Loan amount$500,000.00
LPC %2.250$11,250.00
LPC Flat Fee0.000
Total LPC LLPA2.250
Final Price AFTER LPC →#N/A
*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only
*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit

Caps

loanstreamwholesale.com-LS-NonQM-DSCR-Ratesheet-08.17.2026.pdf · 2026-08-17

NonQM LoanStream
Loan Level Pricing Adjustments FICO/LTV <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 780+ 0.875 0.625 0.625 0.625 0.500 0.225 (0.500) (1.625) (3.525) 760-779 0.650 0.588 0.588 0.500 0.375 0.125 (0.625) (2.125) (3.775) 740-759 0.588 0.500 0.500 0.375 0.125 (0.375) (0.875) (2.375) (4.025) 720-739 0.500 0.375 0.375 0.125 (0.250) (0.600) (1.150) (3.125) (4.525) 700-719 0.125 (0.125) (0.125) (0.500) (0.625) (1.125) (2.025) (3.875) (5.275) 680-699 (0.125) (0.250) (0.350) (0.625) (1.125) (1.750) (3.050) (4.875) #N/A 660-679 (0.625) (0.625) (0.500) (0.875) (1.375) (2.725) (4.000) #N/A #N/A 640-659 (1.375) (1.500) (1.750) (2.000) (2.250) (3.875) (4.900) #N/A #N/A 620-639 (2.500) (2.500) (2.625) (2.775) (3.275) (4.775) (5.875) #N/A #N/A 600-619 (3.000) (3.250) (3.500) (3.750) (4.250) (5.625) (6.625) #N/A #N/A Program
SELECT 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 #N/A Core 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Income Doc Types VOE w/ Bank Statement (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) 1099 w/ Bank Statement (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) Asset Utilization (0.375) (0.500) (0.500) (0.500) (0.750) (1.000) (1.500) #N/A #N/A P&L w/ Bank Statement (0.125) (0.250) (0.250) (0.250) (0.250) (0.250) (0.375) (0.375) (0.500) P&L Only (0.750) (0.750) (0.750) (0.750) (1.000) (1.500) (2.000) #N/A #N/A Professional 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 Purpose Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Rate Term Refi 0.000 0.000 0.000 0.000 0.000 0.000 (0.125) (0.125) #N/A Cash Out Refi 0.000 (0.125) (0.125) (0.250) (0.250) (0.250) (0.500) #N/A #N/A Rate Term Refi FICO < 680 (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) (0.500) #N/A #N/A
Cash Out Refi FICO < 680(0.500)(0.500)(0.625)(0.625)(0.750)(1.000)#N/A#N/A#N/A
Loan Amount
<$150,000(0.500)(0.750)(0.750)(0.750)(0.750)(0.875)(1.000)(1.250)(1.250)
$150,001-$250,0000.0000.000(0.125)(0.125)(0.125)(0.125)(0.250)(0.250)(0.250)
$250,001-$500,0000.1250.1250.1250.1250.1250.1250.1250.0000.000
$500,001-$1,000,0000.3750.3750.3750.3750.3750.2500.2500.2500.250
>$1,000,0000.6250.3750.3750.2500.2500.2500.2500.0000.000
>$1,500,0000.2500.2500.1250.1250.1250.1250.1250.0000.000
>$2,000,000(0.250)(0.250)(0.250)(0.250)(0.250)(0.250)(0.375)(0.500)#N/A
>$2,500,000(0.500)(0.500)(0.500)(0.500)(0.500)(0.500)(0.500)#N/A#N/A
>$3,000,000(1.000)(1.000)(1.000)(1.000)(1.000)(1.000)(1.000)#N/A#N/A
>$3,500,000(2.000)(2.000)(2.000)(2.000)(2.000)#N/A#N/A#N/A#N/A
NonQM Price Calculator Inputs Interest Rate → Choose a Selection Reset LTV Range Choose a Selection FICO Range Choose a Selection FALSE Program Choose a Selection #N/A Reserves Choose a Selection 0.000 Payment History Choose a Selection #N/A Credit Events NONE 0.000 Doc Type Choose a Selection 0.000 Additional Adjs Choose a Selection #N/A Citizenship Choose a Selection 0.000 DTI Choose a Selection 0.000 Loan Balance Choose a Selection #N/A Purpose Choose a Selection #N/A
Occupancy Choose a Selection 0.000 Property Type Choose a Selection 0.000 Loan Term Choose a Selection 0.000 Escrow Choose a Selection 0.000 Prepayment Penalty Choose a Selection 0.000 NJ - Title Vesting 0.000 State Choose a Selection 0.000 Lock Term 30 Day #N/A Buydown Choose a Selection 0.000 Subordinate Financing Choose a Selection 0.000 Possible Eligibility Issue Choose a Selection 0.000 State Tier Adjusment Choose a Selection 0.000 Special Not Applicable FALSE Total LLPA #N/A
Gross Rate Sheet Price (Prior to LLPAs)#N/A
Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)Minimum Rate
Max YSP#N/A
Final Price →#N/A
MANUAL LPC CALCULATOR
Loan amount$500,000.00
LPC %2.250$11,250.00
LPC Flat Fee0.000
Total LPC LLPA2.250
Final Price AFTER LPC →#N/A
*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only
*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit

LLPA

loanstreamwholesale.com-LS-NonQM-DSCR-Ratesheet-08.17.2026.pdf · 2026-08-17

NonQM LoanStream
Loan Level Pricing Adjustments FICO/LTV <=50 50.01-55 55.01-60 60.01-65 65.01-70 70.01-75 75.01-80 80.01-85 85.01-90 780+ 0.875 0.625 0.625 0.625 0.500 0.225 (0.500) (1.625) (3.525) 760-779 0.650 0.588 0.588 0.500 0.375 0.125 (0.625) (2.125) (3.775) 740-759 0.588 0.500 0.500 0.375 0.125 (0.375) (0.875) (2.375) (4.025) 720-739 0.500 0.375 0.375 0.125 (0.250) (0.600) (1.150) (3.125) (4.525) 700-719 0.125 (0.125) (0.125) (0.500) (0.625) (1.125) (2.025) (3.875) (5.275) 680-699 (0.125) (0.250) (0.350) (0.625) (1.125) (1.750) (3.050) (4.875) #N/A 660-679 (0.625) (0.625) (0.500) (0.875) (1.375) (2.725) (4.000) #N/A #N/A 640-659 (1.375) (1.500) (1.750) (2.000) (2.250) (3.875) (4.900) #N/A #N/A 620-639 (2.500) (2.500) (2.625) (2.775) (3.275) (4.775) (5.875) #N/A #N/A 600-619 (3.000) (3.250) (3.500) (3.750) (4.250) (5.625) (6.625) #N/A #N/A Program
SELECT 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 #N/A Core 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Income Doc Types VOE w/ Bank Statement (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) 1099 w/ Bank Statement (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) Asset Utilization (0.375) (0.500) (0.500) (0.500) (0.750) (1.000) (1.500) #N/A #N/A P&L w/ Bank Statement (0.125) (0.250) (0.250) (0.250) (0.250) (0.250) (0.375) (0.375) (0.500) P&L Only (0.750) (0.750) (0.750) (0.750) (1.000) (1.500) (2.000) #N/A #N/A Professional 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 0.250 Purpose Purchase 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 Rate Term Refi 0.000 0.000 0.000 0.000 0.000 0.000 (0.125) (0.125) #N/A Cash Out Refi 0.000 (0.125) (0.125) (0.250) (0.250) (0.250) (0.500) #N/A #N/A Rate Term Refi FICO < 680 (0.250) (0.250) (0.250) (0.250) (0.250) (0.500) (0.500) #N/A #N/A
Cash Out Refi FICO < 680(0.500)(0.500)(0.625)(0.625)(0.750)(1.000)#N/A#N/A#N/A
Loan Amount
<$150,000(0.500)(0.750)(0.750)(0.750)(0.750)(0.875)(1.000)(1.250)(1.250)
$150,001-$250,0000.0000.000(0.125)(0.125)(0.125)(0.125)(0.250)(0.250)(0.250)
$250,001-$500,0000.1250.1250.1250.1250.1250.1250.1250.0000.000
$500,001-$1,000,0000.3750.3750.3750.3750.3750.2500.2500.2500.250
>$1,000,0000.6250.3750.3750.2500.2500.2500.2500.0000.000
>$1,500,0000.2500.2500.1250.1250.1250.1250.1250.0000.000
>$2,000,000(0.250)(0.250)(0.250)(0.250)(0.250)(0.250)(0.375)(0.500)#N/A
>$2,500,000(0.500)(0.500)(0.500)(0.500)(0.500)(0.500)(0.500)#N/A#N/A
>$3,000,000(1.000)(1.000)(1.000)(1.000)(1.000)(1.000)(1.000)#N/A#N/A
>$3,500,000(2.000)(2.000)(2.000)(2.000)(2.000)#N/A#N/A#N/A#N/A
NonQM Price Calculator Inputs Interest Rate → Choose a Selection Reset LTV Range Choose a Selection FICO Range Choose a Selection FALSE Program Choose a Selection #N/A Reserves Choose a Selection 0.000 Payment History Choose a Selection #N/A Credit Events NONE 0.000 Doc Type Choose a Selection 0.000 Additional Adjs Choose a Selection #N/A Citizenship Choose a Selection 0.000 DTI Choose a Selection 0.000 Loan Balance Choose a Selection #N/A Purpose Choose a Selection #N/A
Occupancy Choose a Selection 0.000 Property Type Choose a Selection 0.000 Loan Term Choose a Selection 0.000 Escrow Choose a Selection 0.000 Prepayment Penalty Choose a Selection 0.000 NJ - Title Vesting 0.000 State Choose a Selection 0.000 Lock Term 30 Day #N/A Buydown Choose a Selection 0.000 Subordinate Financing Choose a Selection 0.000 Possible Eligibility Issue Choose a Selection 0.000 State Tier Adjusment Choose a Selection 0.000 Special Not Applicable FALSE Total LLPA #N/A
Gross Rate Sheet Price (Prior to LLPAs)#N/A
Net Price: Rate Sheet - LLPA (Prior to Min/Max YSP)Minimum Rate
Max YSP#N/A
Final Price →#N/A
MANUAL LPC CALCULATOR
Loan amount$500,000.00
LPC %2.250$11,250.00
LPC Flat Fee0.000
Total LPC LLPA2.250
Final Price AFTER LPC →#N/A
*YSP allowed up to 102.000, may be paid to borrower on all Loans, or to Broker on Business Purpose Loans only
*YSP & Lender Credit are not Applicable to DSCR 5-8 Unit
Disclosure. CF Synergies provides AEO consulting to companies in the mortgage industry. Placement in anything published here is not for sale, and no lender receives preference in what is collected or shown.