Exhibit 99.12 Schedule 1
| Loan ID | Dummy ID | Seller Loan ID | Investor Loan ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? |
| xx | 900000006 | 09-xx-2021 | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | 1595 | 6.035 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | Yes | Employed | No | |||||||||
| xx | 900000097 | 09-xx-2022 | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Fail | No | Yes | No | No | No | No | No | No | Yes | 7315.63 | 9.417 | Yes | Yes | N/A | Yes | Yes | No | N/A | Yes | Yes | Yes | 2821.94 | Yes | Employed | No | No | ||||||
| xx | 900000122 | 05-xx-2023 | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation | No | No | No | No | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | No | Yes | Present | ||||||||||||
| xx | 900000047 | 06-xx-2023 | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation | No | No | Yes | Yes | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | Yes | Present | |||||||||||||
| xx | 900000137 | 08-xx-2023 | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | 13645 | 9.217 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28332.87 | Yes | Employed | No | No | |||||||
| xx | 900000043 | 06-xx-2023 | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | No | Yes | Present | ||||||||||||
| xx | 900000110 | 07-xx-2023 | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation | No | No | No | No | No | No | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | No | Yes | Present |