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{"sheet":"Loan Analysis Worksheet","index":0,"n_rows":41,"n_cols":16,"rows_kept":41,"cut":false,"hidden":false,"merged":[[7,9,7,11],[6,9,6,11],[5,10,5,11],[4,3,4,4],[40,14,40,15],[35,8,35,9],[37,8,37,9],[9,14,9,15],[14,14,14,15],[35,14,35,15],[38,3,38,5],[20,9,20,11],[23,9,23,11],[23,7,23,8],[1,1,1,6],[20,2,20,3],[23,2,23,6],[5,3,5,6],[6,3,6,6],[3,3,3,4],[7,3,7,6]]}
[]
[null,"                      LOAN ANALYSIS WORKSHEET"]
[]
[null,null,"Primary Guarantor:","Summer Reed",null,"Primary's Credit Score:",720]
[null,null,"Second Guarantor:",null,null,"Second's Credit Score:",640]
[null,null,"Broker Name:",null,null,null,null,null,null,"Does the loan amount exceed the FHA Cap?","No"]
[null,null,"Property Address:",null,null,null,null,null,"FHA Cap"]
[null,null,"Property Address:",null,null,null,null,null,"Loan Amount Override"]
[]
[null,null,null,null,"Loan Type:","Purchase & Rehab",null,"Cross Collateral"]
[null,null,null,null,"Units:",1,"Units:",1]
[null,null,null,null,"Properties on Loan:",1,"Additional Properties:",1]
[null,null,null,null,"Purchase Price:",580000,"Amount Owed:"]
[null,null,null,null,"Amount Owed:",null,"As-Is Value:",null,null,null,null,null,"Loan Amount Calculations"]
[null,null,null,null,"Rehab Bid:",60000,{"$f":"IF('Rate Sheet'!F26=\"No\",0,('Loan Analysis Worksheet'!F15*0.1))","v":0},null,null,null,null,null,"Max Qualifying Loan",{"$f":"'Formulas for Loan Amount'!I12","v":455000}]
[null,null,null,null,"10% Rehab Contingency:",{"$f":"IF(AND('Loan Analysis Worksheet'!F19>679.99,'Loan Analysis Worksheet'!F20>2.99),0,'Loan Analysis Worksheet'!G15)","v":0},null,null,null,null,null,null,"Loan Override",{"$f":"IF(J8>0,J8,N15)","v":455000}]
[null,null,null,null,"As-Is Value:",0,null,null,null,null,null,null,"FHA Cap",{"$f":"IF(AND(N16>J7,K6=\"Yes\"),J7,N16)","v":455000}]
[null,null,null,null,"After Repair Value (ARV):",700000,null,null,null,null,null,null,"Minimum Loan",{"$f":"IF(N17<30000,0,N17)","v":455000}]
[null,null,null,null,"Qualifying Credit Score:",{"$f":"IF(G5>0,((G4+G5)/2),G4)","v":680},null,null,null,null,null,null,"Max Loan",{"$f":"IF(N18>N15,N15,N18)","v":455000}]
[null,null,null,null,"Experience in the last 24 Months",16]
[null,null,null,null,"Seller Second/Earnest Deposit:",448000,null,null,{"$f":"MIN(J21,N19)","v":192000},{"$f":"IF(AND(F21>0,P24<0),(N19+P24),N19)","v":192000},null,null,{"$f":"IF(F32<0,(N19+F32),N19)","v":455000}]
[null,null,null,null,"Broker Fee:",4.4999999999999998E-2]
[null,null,null,null,{"$f":"IF(F22>3%,3%,F22)","v":0.03},{"$f":"IF('Rate Sheet'!G50=\"Yes\",('Loan Analysis Worksheet'!I28+1%)/2,E23)","v":0.03},null,null,null,null,null,null,"Total Cost",{"$f":"IF(F13>0,(F13+F15+F16+H13),(F14+F15+F16+H13))","v":640000},null,"original "]
[null,null,"Summary Estimate",null,null,null,null,"The Loan Amount Should Be",null,{"$f":"IF(F10=\"Cash-Out\",N19,I21)","v":192000},null,null,"Total Credits",{"$f":"SUM(F21+F26)","v":640000},{"$f":"SUM(N19+F21)","v":903000},{"$f":"SUM(N23-O24)","v":-263000}]
[]
[null,null,null,null,"Loan Amount:",192000]
[null,null,null,null,"Loan To Value (LTV):",{"$f":"IF(F18>0,F26/F18,F26/F17)","v":0.2742857142857143},null,null,{"$f":"IF('Rate Sheet'!C27=\"Yes\",'Loan Analysis Worksheet'!L27,J27)","v":0.10989999999999998},{"$f":"IF('Rate Sheet'!B20<8.99%,8.99%,'Rate Sheet'!B20)","v":0.10989999999999998},"Platinum Club",9.7500000000000003E-2]
[null,null,null,null,"Interest Rate:",{"$f":"IF('Rate Sheet'!G31=\"Yes\",'Loan Analysis Worksheet'!J27,'Loan Analysis Worksheet'!I27)","v":0.10989999999999998},{"$f":"IF('Rate Sheet'!G50=\"Yes\",('Loan Analysis Worksheet'!I28+1%)/2,I28)","v":2.5000000000000001E-2},null,{"$f":"IF('Rate Sheet'!C27=\"Yes\",L28,J28)","v":2.5000000000000001E-2},{"$f":"IF('Rate Sheet'!C20<1,1%,('Rate Sheet'!C20/100))","v":2.5000000000000001E-2},null,{"$f":"MAX((M28:N28)/100)","v":0.02},{"$f":"IF(F15>0,2,1)","v":2},{"$f":"IF(F10=\"Cash-Out\",2,1)","v":1}]
[null,null,null,null,"Origination Points:",{"$f":"IF('Rate Sheet'!G31=\"Yes\",'Loan Analysis Worksheet'!J28,'Loan Analysis Worksheet'!G28)","v":2.5000000000000001E-2}]
[null,null,null,null,"Term In Months:",{"$f":"'Rate Sheet'!F35","v":12}]
[null,null,null,null,"Monthly Payment:",{"$f":"SUM(F26*F28)/12","v":1758.3999999999996}]
[null,null,null,null,{"$f":"IF(F32<0,\"Gross Cash-Out to Borrower:\",\"Required Down Payment of Purchase Price or Amount Owed:\")","v":"Required Down Payment of Purchase Price or Amount Owed:"},{"$f":"SUM(N23-N24)","v":0}]
[null,null,null,null,"Origination Fee Cost:",{"$f":"F29*F26","v":4800}]
[null,null,null,null,"Broker Fee:",{"$f":"SUM(F26*F23)","v":5760}]
[null,null,null,null,"Closing Cost:","To be Determined"]
[]
[null,null,null,null,"Estimated total cost:",{"$f":"SUM(F13+F14+F15+F16+(F29*F26)+15000)","v":659800},"(includes $15K for closing costs)"]
[null,null,null,null,"*Estimated Gross Profit:",{"$f":"IF(F15>0,(F18-F37),(F17-F37))","v":40200},{"$f":"SUM(F38/F37)","v":6.0927553804183084E-2}]
[null,null,null," *Does not include holding or resale cost"]
[]
[null,null,null,null,"Loan to Cost:",{"$f":"SUM(F26/(F13+F15+F16))","v":0.3}]

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[]
[]
["Purchase Loan Amount"]
["Non-Student",null,null,null,null,"Master Loan amounts",null,null,null,null,null,null,null,null,"Cross Colateral"]
["Purchase Covered",null,null,{"$f":"SUM('Loan Analysis Worksheet'!F13*0.9)","v":522000},null,"Purchase",null,null,{"$f":"IF('Loan Analysis Worksheet'!F10=\"Purchase\",D39,0)","v":0},null,null,null,null,null,"Amount Owed:",{"$f":"'Loan Analysis Worksheet'!H13","v":0}]
["Rehab Covered",null,null,{"$f":"SUM('Loan Analysis Worksheet'!F15:F16)","v":60000},null,"Purchase and Rehab",null,null,{"$f":"IF('Loan Analysis Worksheet'!F10=\"Purchase & Rehab\",D39,0)","v":455000},null,null,null,null,null,"Value",{"$f":"'Loan Analysis Worksheet'!H14","v":0}]
["Purchase",null,null,{"$f":"IF('Loan Analysis Worksheet'!F10=\"Purchase\",D5,0)","v":0},null,"Refi",null,null,{"$f":"IF('Loan Analysis Worksheet'!F10=\"Refi\",D79,0)","v":0},null,null,null,null,null,"50% LTV",{"$f":"SUM(P6*0.5)","v":0}]
["Purchase & Rehab",null,null,{"$f":"IF('Loan Analysis Worksheet'!F10=\"Purchase & Rehab\",(D5+D6),0)","v":582000},null,"Refi and Rehab",null,null,{"$f":"IF('Loan Analysis Worksheet'!F10=\"Refi and Rehab\",D79,0)","v":0},null,null,null,null,null,{"$f":"IF('Rate Sheet'!F26=\"Yes\",\"70% LTV\",\"65% LTV\")","v":"65% LTV"},{"$f":"IF('Rate Sheet'!F26=\"Yes\",(P6*0.7),(P6*0.65))","v":0}]
["max loan",null,null,{"$f":"MAX(D7:D8)","v":582000},null,"Cash-out",null,null,{"$f":"IF('Loan Analysis Worksheet'!F10=\"Cash-Out\",D95,0)","v":0},null,null,null,null,null,"If loan is over 50% cash-out $2k",{"$f":"IF(AND(P5>P7,(P8-P5)>2000),(P7+2000),P7)","v":0}]
["Max Value",null,null,{"$f":"IF('Loan Analysis Worksheet'!F18>0,'Loan Analysis Worksheet'!F18,'Loan Analysis Worksheet'!F17)","v":700000},null,null,null,null,null,null,null,null,null,null,"Amount Owed or 50% + $2k",{"$f":"IF(P5>P9,(P5+2000),P9)","v":0}]
["65% LTV Cap",null,null,{"$f":"IF(D9>(65%*D10),(D10*65%),D9)","v":455000},null,null,null,null,{"$f":"MAX(I5:J10)","v":455000},null,null,null,null,null,"% Cap ",{"$f":"IF(P10>P8,P8,P10)","v":0}]
["50% LTV Cap",null,null,{"$f":"IF(D9>(50%*D10),(D10*50%),D9)","v":350000},null,"Max Loan",null,null,{"$f":"SUM(I11+P11)","v":455000}]
["Exception County or not",null,null,{"$f":"IF('Rate Sheet'!F38=\"Yes\",'Formulas for Loan Amount'!D12,'Formulas for Loan Amount'!D11)","v":455000}]
["Minimum LA $30k",null,null,{"$f":"IF(D13<30000,0,D13)","v":455000}]
["50% LTV",null,null,{"$f":"IF(D14<(D10*0.5),D14,(D10*0.5))","v":350000}]
["50% LTV value 60k >",null,null,{"$f":"IF(D10<60001,D15,D14)","v":455000}]
["90% LTC",null,null,{"$f":"SUM(('Loan Analysis Worksheet'!F13+'Loan Analysis Worksheet'!F15+'Loan Analysis Worksheet'!F16)*0.9)","v":576000}]
["90% LTC Cap",null,null,{"$f":"IF((D16/('Loan Analysis Worksheet'!F13+'Loan Analysis Worksheet'!F15+'Loan Analysis Worksheet'!F16))>0.9,'Formulas for Loan Amount'!D17,'Formulas for Loan Amount'!D16)","v":455000}]
["Max Pur Non Student LA",null,null,{"$f":"IF('Rate Sheet'!F26=\"No\",D18,0)","v":455000}]
["Student",null,null,null,null," "]
["70% LTV Cap",null,null,{"$f":"IF('Rate Sheet'!F26=\"Yes\",(D10*0.7),0)","v":0}]
["No Cash Out",null,null,{"$f":"MIN(D21,'Loan Analysis Worksheet'!N23)","v":0}]
["50% LTV Cap",null,null,{"$f":"IF(D22>(50%*D10),(D10*50%),D22)","v":0}]
["Exception County or not",null,null,{"$f":"IF('Rate Sheet'!F38=\"Yes\",D23,D22)","v":0}]
["Minimum LA $30k",null,null,{"$f":"IF(D24<30000,0,D24)","v":0}]
["50% LTV",null,null,{"$f":"IF(D25<(D10*0.5),D25,(D10*0.5))","v":0}]
["50% LTV value 60k >",null,null,{"$f":"IF(D10<60001,D26,D25)","v":0},null,"Things I need to Fix"]
["Max Pur Student Loan",null,null,{"$f":"IF('Rate Sheet'!F26=\"Yes\",D27,0)","v":0},null,1]
["Platinum Purchase",null,null,null,{"$f":"IF('Loan Analysis Worksheet'!F32<0,D30,'Loan Analysis Worksheet'!N23)","v":640000},2,"on LA worksheet put conditional cell that says we are going through civic or not"]
["Eval Loan",null,null,{"$f":"SUM(D10*0.7)","v":489999.99999999994},null,3,"Add multiple property to 30 year calcu"]
["Eval No Cash-Out",null,null,{"$f":"MIN(D30,'Loan Analysis Worksheet'!N23)","v":489999.99999999994},null,4,"Make rates detriminedoff the Yes or No tab for civic. "]
["Max Eval Loan",null,null,{"$f":"IF(D31>(D10*0.7),D30,D31)","v":489999.99999999994},{"$f":"IF('Loan Analysis Worksheet'!F32<0,D33,'Loan Analysis Worksheet'!N23)","v":640000},5]
["Appraisal Loan",null,null,{"$f":"IF('Rate Sheet'!B52=\"Appraisal\",(D10*0.75),0)","v":525000},null,6]
["Appraisal No Cash-Out",null,null,{"$f":"MIN(D33,'Loan Analysis Worksheet'!N23)","v":525000}]
["Max Appraisal Loan",null,null,{"$f":"IF(D34>(D10*0.7),D33,D34)","v":525000}]
["Appraisal or Eval",null,null,{"$f":"IF('Rate Sheet'!B52=\"Appraisal\",D35,D32)","v":525000}]
["Minimum LA $30k",null,null,{"$f":"IF(D36<30000,0,D36)","v":525000}]
["Max Platinum LA",null,null,{"$f":"IF('Rate Sheet'!C27=\"Yes\",D37,0)","v":0}]
["Max Pur Loan Amount",null,null,{"$f":"MAX(D38,D28,D19)","v":455000}]
["Refi Loan Amount"]
["Non-Student"]
["Amount Owed Covered",null,null,{"$f":"SUM('Loan Analysis Worksheet'!F14*0.9)","v":0}]
["Rehab Covered",null,null,{"$f":"SUM('Loan Analysis Worksheet'!F15:F16)","v":60000}]
["Refi",null,null,{"$f":"IF('Loan Analysis Worksheet'!F10=\"Refi\",D42,0)","v":0}]
["Refi & Rehab",null,null,{"$f":"IF('Loan Analysis Worksheet'!F10=\"Refi and Rehab\",(D42+D43),0)","v":0}]
[null,null,null,null,null,null,null,"Password"]
["max loan",null,null,{"$f":"MAX(D44:D45)","v":0},null,null,null,"(2021!)"]
["Invested 10% = total cost",null,null,{"$f":"IF('Rate Sheet'!G42=\"Yes\",'Loan Analysis Worksheet'!N23,D47)","v":0}]
[]
["Max Value",null,null,{"$f":"IF('Loan Analysis Worksheet'!F18>0,'Loan Analysis Worksheet'!F18,'Loan Analysis Worksheet'!F17)","v":700000}]
["65% LTV Cap",null,null,{"$f":"IF(D48>(65%*D50),(D50*65%),D48)","v":0}]
["50% LTV Cap",null,null,{"$f":"IF(D48>(50%*D50),(D50*50%),D48)","v":0},null,null,null,null,null,null,null,"Christopher Mason  |  Loan Analyst | Ext 1268"]
["Exception County or not",null,null,{"$f":"IF('Rate Sheet'!F38=\"Yes\",D52,D51)","v":0},null,null,null,null,null,null,null,"P 208.758.8129 (Call or Text) | E cmason@cogocapital.com"]
["Minimum LA $30k",null,null,{"$f":"IF(D53<30000,0,D53)","v":0},null,null,null,null,null,null,null,"701 E. Front Ave., Second Floor | Coeur D’Alene, ID 83814 | cogocapital.com"]
["50% LTV",null,null,{"$f":"IF(D54<(D50*0.5),D54,(D50*0.5))","v":0}]
["50% LTV value 60k >",null,null,{"$f":"IF(D50<60001,D55,D54)","v":0},null,null,null,null,null,null,null,"Austin Asbury  |  Loan Analyst | Ext 1262"]
[null,null,null,null,null,null,null,null,null,null,null,"P 208.216.6949 (Call or Text) | E AAsbury@cogocapital.com"]
[null,null,null,null,null,null,null,null,null,null,null,"701 E. Front Ave., Second Floor | Coeur D’Alene, ID 83814 | cogocapital.com"]
["Max Refi Non Student LA",null,null,{"$f":"IF('Rate Sheet'!F26=\"No\",D56,0)","v":0}]
["Student",null,null,null,null,null,null,null,null,null,null,"Austin Warr | Loan Analyst | Ext 1277"]
["70% LTV Cap",null,null,{"$f":"IF('Rate Sheet'!F26=\"Yes\",(D50*0.7),0)","v":0},null,null,null,null,null,null,null,"P 208.601.6201 (Call or Text) | E awarr@securedinvestmentcorp.com"]
["No Cash Out",null,null,{"$f":"MIN(D61,'Loan Analysis Worksheet'!N23)","v":0},null,null,null,null,null,null,null,"701 E. Front Ave., Second Floor | Coeur d’Alene, ID 83814 | securedinvestmentcorp.com "]
["50% LTV Cap",null,null,{"$f":"IF(D62>(50%*D50),(D50*50%),D62)","v":0}]
["Exception County or not",null,null,{"$f":"IF('Rate Sheet'!F38=\"Yes\",D63,D62)","v":0},null,null,null,null,null,null,null,"Bernadeth Barillos  |  Virtual Assistant | Ext 1305"]
["Minimum LA $30k",null,null,{"$f":"IF(D64<30000,0,D64)","v":0},null,null,null,null,null,null,null,"P 208.991.9609 (Call or Text) | E bbarillos@cogocapital.com"]
["50% LTV",null,null,{"$f":"IF(D65<(D50*0.5),D65,(D50*0.5))","v":0},null,null,null,null,null,null,null,"701 E. Front Ave., Second Floor | Coeur D’Alene, ID 83814 | cogocapital.com"]
["50% LTV value 60k >",null,null,{"$f":"IF(D50<60001,D66,D65)","v":0}]
["Max Refi Student Loan",null,null,{"$f":"IF('Rate Sheet'!F26=\"Yes\",D67,0)","v":0},null,null,null,null,null,null,null,"Sheena Mae Lagrosa  |  Virtual Assistant | Ext 1304"]
["Platinum Refi",null,null,null,null,null,null,null,null,null,null,"P 208.991.9074 (Call or Text) | E slagrosa@cogocapital.com"]
["Eval Loan",null,null,{"$f":"SUM(D50*0.7)","v":489999.99999999994},null,null,null,null,null,null,null,"701 E. Front Ave., Second Floor | Coeur D’Alene, ID 83814 | cogocapital.com"]
["Eval No Cash-Out",null,null,{"$f":"MIN(D70,'Loan Analysis Worksheet'!N23)","v":489999.99999999994}]
["Max Eval Loan",null,null,{"$f":"IF(D71>(D50*0.7),D70,D71)","v":489999.99999999994}]
["Appraisal Loan",null,null,{"$f":"IF('Rate Sheet'!B52=\"Appraisal\",('Formulas for Loan Amount'!D50*0.75),0)","v":525000}]
["Appraisal No Cash-Out",null,null,{"$f":"MIN(D73,'Loan Analysis Worksheet'!N23)","v":525000},{"$f":"IF('Loan Analysis Worksheet'!F32<0,'Formulas for Loan Amount'!D70,'Loan Analysis Worksheet'!N23)","v":640000}]
["Max Appraisal Loan",null,null,{"$f":"IF(D74>(D50*0.7),D73,D74)","v":525000}]
["Appraisal or Eval",null,null,{"$f":"IF('Rate Sheet'!B52=\"Appraisal\",'Formulas for Loan Amount'!D75,'Formulas for Loan Amount'!D72)","v":525000}]
["Minimum LA $30k",null,null,{"$f":"IF(D76<30000,0,D76)","v":525000},{"$f":"IF('Loan Analysis Worksheet'!F32<0,'Formulas for Loan Amount'!D73,'Loan Analysis Worksheet'!N23)","v":640000}]
["Max Platinum LA",null,null,{"$f":"IF('Rate Sheet'!C27=\"Yes\",D77,0)","v":0}]
["Max Refi Loan Amount",null,null,{"$f":"MAX(D78,D68,D59)","v":0}]
[]
[]
["Cash-Out Loans"]
["Max possible Loan Amount ",null,null,{"$f":"SUM('Loan Analysis Worksheet'!F17*0.5)","v":0}]
["If there's Rehab $0",null,null,{"$f":"IF('Loan Analysis Worksheet'!F15>0,0,D83)","v":0}]
["Proceeds",null,null,{"$f":"SUM(D83-'Loan Analysis Worksheet'!N23)","v":-640000}]
["$75,000 Cap",null,null,{"$f":"IF(D85>75000,(D85-(D85-75000)),0)","v":0}]
["Non-Platinum Cash-out Loan",null,null,{"$f":"IF(D85>75000,(D86+'Loan Analysis Worksheet'!N23),D83)","v":0}]
["Platinum Cash-Out"]
["Loan Amount ",null,null,{"$f":"SUM('Loan Analysis Worksheet'!F17*0.7)","v":0}]
["If there's Rehab $0",null,null,{"$f":"IF('Loan Analysis Worksheet'!F15>0,0,'Formulas for Loan Amount'!D89)","v":0}]
["Min LA 30k",null,null,{"$f":"IF(D90<30000,0,D90)","v":0}]
["Proceeds",null,null,{"$f":"SUM(D89-'Loan Analysis Worksheet'!N23)","v":-640000}]
["$100,000 Cap",null,null,{"$f":"IF(D92>100000,(D92-(D92-100000)),0)","v":0}]
["Platinum Cash-Out LA",null,null,{"$f":"IF(D92>100000,(D93+'Loan Analysis Worksheet'!N23),D91)","v":0}]
["Max Cash-Out Loan Amount",null,null,{"$f":"IF('Rate Sheet'!C27=\"Yes\",'Formulas for Loan Amount'!D94,'Formulas for Loan Amount'!D87)","v":0}]
[null,null,null,null,null,null,null,null," "]

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[]
[null,"Interest Rate","Origination Point","% Purchase Price","LTV","ARV","Rehab","Refi","Cash Out ",null,"Consulting Fee","Closing Fees"]
["Base Rates",8.9899999999999994E-2,1,1,"65-70%",0.7,1,0.65,"50-70%",null,697]
["Credit Score:"]
["720+",0,0,0.9,0.65,0.65,1,0.65,0.5]
["680-719",0.01,0.5,0.9,0.65,0.65,1,0.65,0.5]
["620-679",0.02,1,0.9,0.65,0.65,1,0.65,0.5]
["0-619",0.03,1.5,0.9,0.65,0.65,1,0.65,0.5]
["Experience:",null,null,null,null,null,null,null,null,"COGO Loans Only "]
["0",0.03,1.5,0.9,0.65,0.65,1,0.65,0.5,null,997]
["1-2",0.02,1,0.9,0.65,0.65,1,0.65,0.5,null,897]
["3-4",0.01,0.5,0.9,0.65,0.65,1,0.65,0.5,null,797]
["5+",0,0,0.9,0.7,0.7,1,0.65,0.5,null,697]
["Premium Student:",-0.01,-1,1,0.7,0.7,1,0.65,0.5]
[]
["No Appraisal:",0.01,1,0.9,"50-70%","65%-70%",1,0.65,"NA"]
[]
["Must do 1 loan per year with COGO to keep discounted fee status"]
[null,"Interest Rate","Points","Interest Rate","Points",null,{"$f":"A5","v":"720+"},null,{"$f":"A6","v":"680-719"},null,{"$f":"A7","v":"620-679"},null,{"$f":"A8","v":"0-619"}]
["Added the 1 and 1",{"$f":"SUM(B21+1%)","v":0.10989999999999998},{"$f":"SUM(C21+1)","v":2.5},{"$f":"MAX(G20,I20,K20,M20)","v":0.01},{"$f":"MAX(H20,J20,L20,N20)","v":0.5},null,{"$f":"IF('Loan Analysis Worksheet'!F19>720,'Rate Sheet'!B5,0)","v":0},{"$f":"IF('Loan Analysis Worksheet'!F19>720,'Rate Sheet'!C5,0)","v":0},{"$f":"IF(AND('Loan Analysis Worksheet'!F19>679,'Loan Analysis Worksheet'!F19<720),'Rate Sheet'!B6,0)","v":0.01},{"$f":"IF(AND('Loan Analysis Worksheet'!F19>679,'Loan Analysis Worksheet'!F19<720),'Rate Sheet'!C6,0)","v":0.5},{"$f":"IF(AND('Loan Analysis Worksheet'!F19>619,'Loan Analysis Worksheet'!F19<680),'Rate Sheet'!B7,0)","v":0},{"$f":"IF(AND('Loan Analysis Worksheet'!F19>619,'Loan Analysis Worksheet'!F19<680),'Rate Sheet'!C7,0)","v":0},{"$f":"IF(AND('Loan Analysis Worksheet'!F19>-1,'Loan Analysis Worksheet'!F19<620),'Rate Sheet'!B8,0)","v":0},{"$f":"IF(AND('Loan Analysis Worksheet'!F19>-1,'Loan Analysis Worksheet'!F19<620),'Rate Sheet'!C8,0)","v":0}]
[null,{"$f":"SUM(B3+D20+C22+C24)","v":9.9899999999999989E-2},{"$f":"SUM(C3+E20+D22+D24)","v":1.5},null,null,null,{"$f":"A10","v":"0"},null,{"$f":"A11","v":"1-2"},null,{"$f":"A12","v":"3-4"},null,"5+"]
["Experience",null,{"$f":"MAX(G22,I22,K22,M22)","v":0},{"$f":"MAX(H22,J22,L22,N22)","v":0},null,null,{"$f":"IF('Loan Analysis Worksheet'!F20=0,'Rate Sheet'!B10,0)","v":0},{"$f":"IF('Loan Analysis Worksheet'!F20=0,'Rate Sheet'!C10,0)","v":0},{"$f":"IF(AND('Loan Analysis Worksheet'!F20>0,'Loan Analysis Worksheet'!F20<3),'Rate Sheet'!B11,0)","v":0},{"$f":"IF(AND('Loan Analysis Worksheet'!F20>0,'Loan Analysis Worksheet'!F20<3),'Rate Sheet'!C11,0)","v":0},{"$f":"IF(AND('Loan Analysis Worksheet'!F20>2,'Loan Analysis Worksheet'!F20<5),'Rate Sheet'!B12,0)","v":0},{"$f":"IF(AND('Loan Analysis Worksheet'!F20>2,'Loan Analysis Worksheet'!F20<5),'Rate Sheet'!C12,0)","v":0},{"$f":"IF(AND('Loan Analysis Worksheet'!F20=5,'Loan Analysis Worksheet'!F20<5),'Rate Sheet'!B13,0)","v":0},{"$f":"IF(AND('Loan Analysis Worksheet'!F20=5,'Loan Analysis Worksheet'!F20<5),'Rate Sheet'!C13,0)","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(B26=\"Yes\",-1,0)","v":0}]
["Reno Report?","Yes",null,null,null,null,null,null,null,null,null,{"$f":"IF(B28=\"Yes\",1,0)","v":0}]
["Platinum Club",null,null,null,"Premium Student","No"]
["Have they completed at least 4+ properties with COGO Capital in the 24 months? ","No",{"$f":"IF(B44=\"Yes\",C49,\"No\")","v":"No"}]
[null,null,null,null,"For Local deals treat as a platinum going with a full appraisal."]
[]
[]
[null,null,null,null,"If local select \"Yes\" to quote the proper rates. ",null,"No"]
["Have they completed at least 8+ properties Outside of COGO Capital in the 24 months? ","No"]
[]
[]
[null,null,null,null,"Term In Months",12,null,"Exception Counties (50% LTV Cap)"]
[null,null,null,null,null,null,null,"Wayne, MI"]
[null,null,null,null,null,null,null,"Cook, IL"]
["Are they able to supply HUD statements to prove they have completed those properties?","No",null,null,"Exception County","No",null,"Baltimore, MD"]
[null,null,null,null,null,null,null,"Cuyahoga, OH"]
[]
[null,null,null,null,"For Refi's only"]
[null,null,null,null,"If the borrower has invested more than this amount then select \"Yes\", otherwise \"No\"",null,"No"]
[]
["Do they qualify? ",{"$f":"IF(AND(B38=\"Yes\")*(C44=\"Yes\"),\"Yes\",\"No\")","v":"No"},{"$f":"IF(B32=\"Yes\",B32,B27)","v":"No"}]
["There will be a lot of documentation that we will require from them for the first loan and if they do not qualify then the $997 is non-refundable.",null,null,null,null,null,{"$f":"SUM('Loan Analysis Worksheet'!F26*0.1)","v":19200}]
[]
[null,null,null,null,"For Master Brokers Only"]
[null,null,null,null,"Has the broker attended a Master Broker Class",null,"No"]
["Are the wanting to move forward with the qualifying process for the Platinum Club? ",null,"No"]
[null,null,null,null,"Are they wanting to split points?",null,"No"]
[]
["Appraisal or Eval ","Appraisal"]
["Appraisals take around 2 to 3 weeks and Evals take around 4 to 6 business days "]

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[]
[null,"Credit %",null,"Credit Points",null,"Experience %",null,"Experience Points",null,"Premium %",null,"Premium Points",null,"Term In Months",null,"No Appraisal",null,"Exception County",null,"Contigency 10%"]
[null,0,null,0,null,0.03,null,1.5,null,0,null,0,null,6,null,"No",null,"No",null,"No"]
[null,0.01,null,0.5,null,0.02,null,1,null,-0.01,null,-1,null,12,null,"Yes",null,"Yes",null,"Yes"]
[null,0.02,null,1,null,0.01,null,0.5,null,null,null,null,null,18]
[null,0.03,null,1.5,null,0,null,0,null,null,null,null,null,24]

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[]
[null,"           INITIAL ESTIMATE"]
[]
[]
[null,null,{"$f":"'Loan Analysis Worksheet'!C4","v":"Primary Guarantor:"},{"$f":"'Loan Analysis Worksheet'!D4","v":"Summer Reed"},null,{"$f":"'Loan Analysis Worksheet'!F4","v":"Primary's Credit Score:"},{"$f":"'Loan Analysis Worksheet'!G4","v":720}]
[null,null,{"$f":"'Loan Analysis Worksheet'!C5","v":"Second Guarantor:"},{"$f":"IF('Loan Analysis Worksheet'!D5=\"\",\"\",'Loan Analysis Worksheet'!D5)","v":""},null,{"$f":"'Loan Analysis Worksheet'!F5","v":"Second's Credit Score:"},{"$f":"IF('Loan Analysis Worksheet'!G5=\"\",\"\",'Loan Analysis Worksheet'!G5)","v":640}]
[null,null,{"$f":"'Loan Analysis Worksheet'!C6","v":"Broker Name:"},{"$f":"IF('Loan Analysis Worksheet'!D6=\"\",\"\",'Loan Analysis Worksheet'!D6)","v":""}]
[null,null,{"$f":"'Loan Analysis Worksheet'!C7","v":"Property Address:"},{"$f":"IF('Loan Analysis Worksheet'!D7=\"\",\"\",'Loan Analysis Worksheet'!D7)","v":""}]
[]
[null,null,null,null,"Loan Type:",{"$f":"'Loan Analysis Worksheet'!F10","v":"Purchase & Rehab"}]
[null,null,null,null,"Units:",{"$f":"'Loan Analysis Worksheet'!F11","v":1}]
[null,null,null,null,"Purchase Price:",522000]
[null,null,null,null,"Amount Owed:",{"$f":"'Loan Analysis Worksheet'!F14","v":0}]
[null,null,null,null,"Rehab Bid:",{"$f":"SUM('Loan Analysis Worksheet'!F15:F16)","v":60000}]
[null,null,null,null,"This is a reimbursement draw process. "]
[null,null,null,null,"As Is Value:",{"$f":"'Loan Analysis Worksheet'!F17","v":0}]
[null,null,null,null,"After Repair Value (ARV):",{"$f":"'Loan Analysis Worksheet'!F18","v":700000}]
[null,null,null,null,"Credit Score:",{"$f":"'Loan Analysis Worksheet'!F19","v":680}]
[null,null,null,null,"Experience:",{"$f":"'Loan Analysis Worksheet'!F20","v":16}]
[null,null,null,null,{"$f":"'Loan Analysis Worksheet'!E21","v":"Seller Second/Earnest Deposit:"},{"$f":"'Loan Analysis Worksheet'!F21","v":448000}]
[null,null,null,null,"Broker Fee:",{"$f":"'Loan Analysis Worksheet'!F23","v":0.03}]
[]
[]
[null,null,"Summary Estimate"]
[]
[null,null,null,null,"Loan Amount:",{"$f":"'Loan Analysis Worksheet'!F26","v":192000}]
[null,null,null,null,"Loan To Value (LTV):",{"$f":"'Loan Analysis Worksheet'!F27","v":0.2742857142857143}]
[null,null,null,null,"Interest Rate:",{"$f":"'Loan Analysis Worksheet'!F28","v":0.10989999999999998}]
[null,null,null,null,"Origination Points:",{"$f":"'Loan Analysis Worksheet'!F29","v":2.5000000000000001E-2}]
[null,null,null,null,"Term In Months:",{"$f":"'Loan Analysis Worksheet'!F30","v":12}]
[null,null,null,null,"Monthly Payment:",{"$f":"'Loan Analysis Worksheet'!F31","v":1758.3999999999996}]
[null,null,null,null,{"$f":"'Loan Analysis Worksheet'!E32:E32","v":"Required Down Payment of Purchase Price or Amount Owed:"},{"$f":"'Loan Analysis Worksheet'!F32","v":0}]
[null,null,null,null,{"$f":"'Loan Analysis Worksheet'!E33","v":"Origination Fee Cost:"},{"$f":"'Loan Analysis Worksheet'!F33","v":4800}]
[null,null,null,null,"Broker Fee:",{"$f":"'Loan Analysis Worksheet'!F34","v":5760}]
[null,null,null,null,"Closing Cost:",{"$f":"'Loan Analysis Worksheet'!F35","v":"To be Determined"}]
[]
[]
[null,null,null,"These numbers are not final and are subject to change due to unknown 3rd party cost or fees and final underwriting approval"]
[]
[null,null,null,null,{"$f":"TODAY()","v":"2022-12-16"}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Austin Asbury",null,"Loan Analyst","Ext 1380"]
[null,null,"P 208.216.6949 (Call or Text)",null,"E AAsbury@cogocapital.com"]
[null,null,"701 E. Front Ave., Second Floor | Coeur D’Alene, ID 83814 | cogocapital.com"]

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[null,"                      LOAN ANALYSIS WORKSHEET LONG TERM RENTAL",null,null,null,null,null,null,null,null,null,null,null,null,"Constructive Rate Adjustments by LTV"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"LTV",{"$f":"IF(C31<50,\"<=50\",)","v":"<=50"},{"$f":"IF(AND(C31>50.01%,C31<55.001%),\"50.01-55\",\"\")","v":""},{"$f":"IF(AND(C31>55.01%,C31<60.001%),\"55.01-60\",\"\")","v":""},{"$f":"IF(AND(C31>60.01%,C31<65.001%),\"60.01-65\",\"\")","v":""},{"$f":"IF(AND(C31>65.01%,C31<70.001%),\"65.01-70\",\"\")","v":""},{"$f":"IF(AND(C31>70.01%,C31<75.001%),\"70.01-75\",\"\")","v":"70.01-75"},{"$f":"IF(AND(C31>75.01%,C31<80.001%),\"75.01-80\",\"\")","v":""},"Add-On"]
["Primary Guarantor:","Summer Reed",null,"Primary's Credit Score:",null,null,720,null,null,null,null,null,null,null,{"$f":"IF(C23>759.9,\"760+\",0)","v":0},{"$f":"IF(AND(C31<50.001%,C23>759.9),-0.25%,0)","v":0},{"$f":"IF(AND(Q2=\"50.01-55\",O3=\"760+\"),-0.25%,0)","v":0},{"$f":"IF(AND(R2=\"55.01-60\",O3=\"760+\"),-0.25%,0)","v":0},{"$f":"IF(AND(S2=\"60.01-65\",O3=\"760+\"),-0.125%,0)","v":0},{"$f":"IF(AND(T2=\"65.01-70\",O3=\"760+\"),0%,0)","v":0},{"$f":"IF(AND(U2=\"70.01-75\",O3=\"760+\"),0.125%,0)","v":0},{"$f":"IF(AND(V2=\"75.01-80\",O3=\"760+\"),0%,0)","v":0},{"$f":"SUM(P3:V3)","v":0}]
["Second Guarantor:","Summer Reed",null,"Second's Credit Score:",null,null,null,null,"Does the client have 18 months of Short Term Rental history(If property is being used for short term rental)",null,null,null,"No",null,{"$f":"IF(AND(C23>739.9,C23<759.1),\"740-759\",0)","v":0},{"$f":"IF(AND(C31<50.001%,O4=\"740-759\"),-0.125%,0)","v":0},{"$f":"IF(AND(Q2=\"50.01-55\",O4=\"740-759\"),-0.125%,0)","v":0},{"$f":"IF(AND(R2=\"55.01-60\",O4=\"740-759\"),-0.125%,0)","v":0},{"$f":"IF(AND(S2=\"60.01-65\",O4=\"740-759\"),0%,0)","v":0},{"$f":"IF(AND(T2=\"65.01-70\",O4=\"740-759\"),0%,0)","v":0},{"$f":"IF(AND(U2=\"70.01-75\",O4=\"740-759\"),0.25%,0)","v":0},{"$f":"IF(AND(V2=\"75.01-80\",O4=\"740-759\"),0%,0)","v":0},{"$f":"SUM(P4:V4)","v":0}]
["Broker Name:",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(C23>719.9,C23<739.1),\"720-739\",0)","v":"720-739"},{"$f":"IF(AND(C31<50.001%,O5=\"720-739\"),0%,0)","v":0},{"$f":"IF(AND(Q2=\"50.01-55\",O5=\"720-739\"),0%,0)","v":0},{"$f":"IF(AND(R2=\"55.01-60\",O5=\"720-739\"),0%,0)","v":0},{"$f":"IF(AND(S2=\"60.01-65\",O5=\"720-739\"),0%,0)","v":0},{"$f":"IF(AND(T2=\"65.01-70\",O5=\"720-739\"),0.125%,0)","v":0},{"$f":"IF(AND(U2=\"70.01-75\",O5=\"720-739\"),0.375%,0)","v":3.7499999999999999E-3},{"$f":"IF(AND(V2=\"75.01-80\",O5=\"720-739\"),0%,0)","v":0},3.7499999999999999E-3]
["Property Address:",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(C23>699.9,C23<719.1),\"700-719\",0)","v":0},{"$f":"IF(AND(C31<50.001%,O6=\"700-719\"),0.125%,0)","v":0},{"$f":"IF(AND(Q2=\"50.01-55\",O6=\"700-719\"),0.125%,0)","v":0},{"$f":"IF(AND(R2=\"55.01-60\",O6=\"700-719\"),0.25%,0)","v":0},{"$f":"IF(AND(S2=\"60.01-65\",O6=\"700-719\"),0.25%,0)","v":0},{"$f":"IF(AND(T2=\"65.01-70\",O6=\"700-719\"),0.25%,0)","v":0},{"$f":"IF(AND(U2=\"70.01-75\",O6=\"700-719\"),0.5%,0)","v":0},"N/A",0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(C23>679.9,C23<699.1),\"680-699\",0)","v":0},{"$f":"IF(AND(C31<50.001%,O7=\"680-699\"),0.125%,0)","v":0},{"$f":"IF(AND(Q2=\"50.01-55\",O7=\"680-699\"),0.125%,0)","v":0},{"$f":"IF(AND(R2=\"55.01-60\",O7=\"680-699\"),0.25%,0)","v":0},{"$f":"IF(AND(S2=\"60.01-65\",O7=\"680-699\"),0.25%,0)","v":0},{"$f":"IF(AND(T2=\"65.01-70\",O7=\"680-699\"),0.5%,0)","v":0},{"$f":"IF(AND(U2=\"70.01-75\",O7=\"680-699\"),0.75%,0)","v":0},"N/A",0]
["If the property is in one of the following states it has to be a ARM (AL, GA, KS, ME, MO, MS, NE, SD, WI, WY) ",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(C23>659.9,C23<679.1),\"660-679\",0)","v":0},{"$f":"IF(AND(C31<50.001%,O8=\"660-679\"),1%,0)","v":0},{"$f":"IF(AND(Q2=\"50.01-55\",O8=\"660-679\"),1%,0)","v":0},{"$f":"IF(AND(R2=\"55.01-60\",O8=\"660-679\"),1%,0)","v":0},{"$f":"IF(AND(S2=\"60.01-65\",O8=\"660-679\"),1%,0)","v":0},{"$f":"IF(AND(T2=\"65.01-70\",O8=\"660-679\"),1%,0)","v":0},"N/A","N/A",0]
["For 30 year loans we can no longer lend in AK and HI",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(C23>639.9,C23<659.1),\"640-659\",0)","v":0},{"$f":"IF(AND(C31<50.001%,O9=\"640-659\"),0,0)","v":0},{"$f":"IF(AND(Q2=\"50.01-55\",O9=\"640-659\"),0%,0)","v":0},{"$f":"IF(AND(R2=\"55.01-60\",O9=\"640-659\"),0%,0)","v":0},{"$f":"IF(AND(S2=\"60.01-65\",O9=\"640-659\"),0%,0)","v":0},"N/A","N/A","N/A",0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"0-639","N/A","N/A","N/A","N/A","N/A","N/A","N/A",0]
[null,"Loan Type","Purchase"]
[null,"Units",1,null,null,null,null,null,null,null,null,null,null,null,"By Property type"]
[null,"Properties",1,null,null,null,null,null,null,"(If Refi) Is the property currently rented:","No",null,null,null,{"$f":"IF(C12>1,\"2-4 Units\",\"\")","v":""},{"$f":"IF(AND(P2=\"65.01-70\",O13=\"2-4 Units\"),0.125%,0)","v":0},{"$f":"IF(AND(Q2=\"65.01-70\",O13=\"2-4 Units\"),0.125%,0)","v":0},{"$f":"IF(AND(R2=\"65.01-70\",O13=\"2-4 Units\"),0.125%,0)","v":0},{"$f":"IF(AND(S2=\"65.01-70\",O13=\"2-4 Units\"),0.125%,0)","v":0},{"$f":"IF(AND(T2=\"65.01-70\",O13=\"2-4 Units\"),0.25%,0)","v":0},{"$f":"IF(AND(U2=\"70.01-75\",O13=\"2-4 Units\"),0.25%,0)","v":0},{"$f":"IF(AND(V2=\"75.01-80\",O13=\"2-4 Units\"),0%,0)","v":0},{"$f":"SUM(P13:V13)","v":0}]
[null,"Purchase Price",100000,null,null,null,null,null,null,"Will this or is this a Short Term Rental (like Airbnb):","No",null,null,null,"Warrantable Condo",{"$f":"IF(AND(P2=\"70.01-75\",K15=\"Yes\"),0.125%,0)","v":0},{"$f":"IF(AND(Q2=\"70.01-75\",K15=\"Yes\"),0.125%,0)","v":0},{"$f":"IF(AND(R2=\"70.01-75\",K15=\"Yes\"),0.125%,0)","v":0},{"$f":"IF(AND(S2=\"70.01-75\",K15=\"Yes\"),0.125%,0)","v":0},{"$f":"IF(AND(T2=\"70.01-75\",K15=\"Yes\"),0.125%,0)","v":0},{"$f":"IF(AND(U2=\"70.01-75\",K15=\"Yes\"),0.375%,0)","v":0},"N/A",{"$f":"SUM(P14:U14)","v":0}]
[null,"Amount Owed",null,null,null,null,null,null,null,"Warrantable Condo:","No",null,null,null,"Non-Warrantable Condo",null,null,null,null,null,null,null,{"$f":"IF(K16=\"Yes\",0.875%,0)","v":0}]
[null,"AS-IS Value",100000,null,null,{"$f":"IF(C11=\"Purchase\",G16,C16)","v":100000},{"$f":"IF(C14>C16,C16,C14)","v":100000},null,null,"Non-Warrantable Condo:","No"]
[null,"Qualifying Value",{"$f":"IF(F16<100000,0,F16)","v":100000},null,null,null,null,null,null,"Are one of the borrowers a Foreign National with no established US credit:","No",null,null,null,"DSCR"]
[null,"Yearly Property  Tax",3000,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(M32>0,M32<1.0999),\"DSCR > 1.00x < 1.09x\",\"\")","v":""},{"$f":"IF(AND(O18=\"DSCR > 1.00x < 1.10x\",C31<50%),0.75%,0)","v":0},{"$f":"IF(AND(O18=\"DSCR > 1.00x < 1.10x\",Q2=\"50.01-55\"),0.75%,0)","v":0},{"$f":"IF(AND(O18=\"DSCR > 1.00x < 1.10x\",R2=\"55.01-60\"),0.75%,0)","v":0},{"$f":"IF(AND(O18=\"DSCR > 1.00x < 1.10x\",S2=\"60.01-65\"),0.75%,0)","v":0},{"$f":"IF(AND(O18=\"DSCR > 1.00x < 1.10x\",T2=\"65.01-70\"),0.75%,0)","v":0},{"$f":"IF(AND(O18=\"DSCR > 1.00x < 1.10x\",U2=\"70.01-75\"),0.75%,0)","v":0},{"$f":"IF(AND(O18=\"DSCR > 1.00x < 1.10x\",V2=\"75.01-80\"),0.75%,0)","v":0},{"$f":"SUM(P18:V18)","v":0}]
[null,"Yearly Property Insurance",1200,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(M32>1.1,M32<1.2),\"DSCR > 1.10x < 1.2x\",\"\")","v":"DSCR > 1.10x < 1.2x"},{"$f":"IF(AND(O19=\"DSCR > 1.10x < 1.2x\",C31<50%),0.5%,0)","v":0},{"$f":"IF(AND(O19=\"DSCR > 1.10x < 1.2x\",Q2=\"50.01-55\"),0.5%,0)","v":0},{"$f":"IF(AND(O19=\"DSCR > 1.10x < 1.2x\",R2=\"55.01-60\"),0.5%,0)","v":0},{"$f":"IF(AND(O19=\"DSCR > 1.10x < 1.2x\",S2=\"60.01-65\"),0.5%,0)","v":0},{"$f":"IF(AND(O19=\"DSCR > 1.10x < 1.2x\",T2=\"65.01-70\"),0.5%,0)","v":0},{"$f":"IF(AND(O19=\"DSCR > 1.10x < 1.2x\",U2=\"70.01-75\"),0.5%,0)","v":5.0000000000000001E-3},{"$f":"IF(AND(O19=\"DSCR > 1.10x < 1.2x\",V2=\"75.01-80\"),0.5%,0)","v":0},{"$f":"SUM(P19:V19)","v":5.0000000000000001E-3}]
[null,"Yearly HOA Dues",null,null,null,null,null,null,null,null,null,null,null,null,"DSCR >1.20x",0]
[null,"Monthly Rent Income",1050,null,null,null,"Is the Property in one of the following states? (AL, GA, KS, ME, MO, MS, NE, SD, WI, WY)",null,null,null,"No"]
[null,"Broker Fee:",null,null,null,null,null,null,null,null,null," Fixed "]
[null,"Credit Score:",{"$f":"MIN(G3:G4)","v":720},null,null,null,null,null,null,null,null,"Base Rate",7.3749999999999996E-2,null,"Guarantor"]
[null,"Loan Product:","5/1 ARM",null,null,null,null,null,null,null,null,"Total LTV Add-On",{"$f":"SUM(W3:W10)","v":3.7499999999999999E-3},null,{"$f":"IF(K17=\"Yes\",\"Foreign National\",\"\")","v":""},{"$f":"IF(AND(O24=\"Foreign National\",C31<50.01%),1.25%,0)","v":0},{"$f":"IF(AND(O24=\"Foreign National\",Q2=\"50.01-55\"),1.25%,0)","v":0},{"$f":"IF(AND(O24=\"Foreign National\",R2=\"55.01-60\"),1.25%,0)","v":0},{"$f":"IF(AND(O24=\"Foreign National\",S2=\"60.01-65\"),1.25%,0)","v":0},"N/A","N/A","N/A",{"$f":"SUM(P24:S24)","v":0}]
[null,null,null,null,null,null,"Loan Amount Override ",null,null,null,null,"Other Add-Ons",{"$f":"SUM(W13:W32)","v":7.4999999999999997E-3},null,"Loan Type"]
[null,"Pre-Payment Penalty","5 Year Step Down 5%, 4%, 3%, 2%, 1%",null,null,null,null,null,null,null,null,"30 Year Fixed Rate",{"$f":"IF(C24=\"Fixed\",L27,\"\")","v":""},null,"Cash-Out",{"$f":"IF(AND(C11=\"Cash-Out Refi\",C31<50.001%),0.25%,0)","v":0},{"$f":"IF(AND(C11=\"Cash-Out Refi\",Q2=\"50.01-55\"),0.25%,0)","v":0},{"$f":"IF(AND(C11=\"Cash-Out Refi\",R2=\"55.01-60\"),0.25%,0)","v":0},{"$f":"IF(AND(C11=\"Cash-Out Refi\",S2=\"60.01-65\"),0.25%,0)","v":0},{"$f":"IF(AND(C11=\"Cash-Out Refi\",T2=\"65.01-70\"),0.25%,0)","v":0},{"$f":"IF(AND(C11=\"Cash-Out Refi\",U2=\"70.01-75\"),0.75%,0)","v":0},"N/A",{"$f":"SUM(P26:V26)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M27<7.5%,7.5%,M27)","v":8.4999999999999992E-2},{"$f":"SUM(M23:M25)","v":8.4999999999999992E-2},null,"Portfolio/Cross-Collateralization",null,null,null,null,null,null,null,{"$f":"IF(C13>1,0.75%,0)","v":0}]
[null,"Summary Estimate ",null,null,null,null,null,null,null,null,null,"Loan Amount should be:",{"$f":"IF(AND(K13=\"No\",C11<>\"Purchase\"),0,R67)","v":75000},null,"Loan Amount"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Less than $100k",0,0,0,0,{"$f":"IF(AND(C30<100000,T2=\"65.01-70\"),0.125%,0)","v":0},{"$f":"IF(AND(C30<100000,U2=\"70.01-75\"),0.25%,0)","v":2.5000000000000001E-3},{"$f":"IF(AND(C30<100000,V2=\"75.01-80\"),0.25%,0)","v":0},{"$f":"SUM(P29:V29)","v":2.5000000000000001E-3}]
[null,"Loan Amount:",75000,null,null,null,null,null,null,null,null,null,null,null,"Short Term Rental ",null,null,null,null,null,null,null,{"$f":"IF(K14=\"Yes\",0,0)","v":0},{"$f":"SUM(P31:V31)","v":0}]
[null,"Loan to Value (LTV):",{"$f":"C30/C16","v":0.75},null,null,null,null,null,null,null,null,"Origination ",0.03,null,"State Add-On",null,null,null,null,null,null,null,{"$f":"IF(K21=\"Yes\",0.125%,0)","v":0}]
[null,"Qualifying Interest Rate:",8.3750000000000005E-2,null,null,null,null,null,null,null,null,"DSCR",{"$f":"SUM(C21/((C18/12)+(C19/12)+(C20/12)+C35))","v":1.1412371395865486}]
[null,"Origination Points:",{"$f":"M31","v":0.03},null,null,null,null,null,null,null,null,null,null,null,"Constructive Loan Amount"]
[null,"Qualifying Broker Fee:",{"$f":"IF(C22>1.25%,1.25%,C22)","v":0},null,null,null,null,null,null,"Total Cost",{"$f":"SUM(C14+C15+C19+C18+C20)","v":104200},"Interest Rate Should Be:",{"$f":"IF(C24=\"Fixed\",M26,M45)","v":8.6249999999999993E-2},null,null,"Purchase or Refi","Cash-Out Refi","Short Term Rental","Max Loan",null,null,"Constructive LTV"]
[null,"Monthly Principal and Interest Payment:",{"$f":"PMT(C32/12,360,-C30,0)","v":570.05417943232874},null,null,null,null,null,null,"Total Credits",{"$f":"C30","v":75000},null,null,null,{"$f":"IF(C23>759.9,\"760+\",0)","v":0},{"$f":"IF(O35=\"760+\",W37,0)","v":0},{"$f":"IF(AND(O35=\"760+\",C11=\"Cash-Out Refi\"),W37,P35)","v":0},{"$f":"IF(AND(O35=\"760+\",B14=\"Yes\"),0,0)","v":0},{"$f":"MIN(P35:Q35)","v":0},null,null,0.65,{"$f":"SUM(C17*0.65)","v":65000}]
[null,"Monthly Principal, Interest, Taxes, and Insurance Payment:",{"$f":"(C35+((C18+C19+C20)/12))","v":920.05417943232874},null,null,{"$f":"SUM(K34-K35)","v":29200},null,null,null,null,null,null,null,null,{"$f":"IF(AND(C23>739.9,C23<759.1),\"740-759\",0)","v":0},{"$f":"IF(O36=\"740-759\",W37,0)","v":0},{"$f":"IF(AND(O36=\"740-759\",C11=\"Cash-Out Refi\"),W37,P36)","v":0},{"$f":"IF(AND(O36=\"740-759\",B14=\"Yes\"),0,0)","v":0},{"$f":"MIN(P36:Q36)","v":0},null,null,0.7,{"$f":"SUM(C17*0.7)","v":70000}]
[null,{"$f":"IF(F36<0,\"Cash-Out:\",\"Required Down payment:\")","v":"Required Down payment:"},{"$f":"IF(F36<0,(F36*-1),F36)","v":29200},null,null,null,null,null,null,null,null,"ARM",null,null,{"$f":"IF(AND(C23>719.9,C23<739.1),\"720-739\",0)","v":"720-739"},{"$f":"IF(O37=\"720-739\",W37,0)","v":75000},{"$f":"IF(AND(O37=\"720-739\",C11=\"Cash-Out Refi\"),W37,P37)","v":75000},{"$f":"IF(AND(O37=\"720-739\",B14=\"Yes\"),0,0)","v":0},{"$f":"MIN(P37:Q37)","v":75000},null,null,0.75,{"$f":"SUM(C17*0.75)","v":75000}]
[null,"Origination Fee:",{"$f":"SUM(M31*C30)","v":2250},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(C23>699.9,C23<719.1),\"700-719\",0)","v":0},null,null,{"$f":"IF(AND(O38=\"700-719\",B14=\"Yes\"),0,0)","v":0},{"$f":"IF(O38=\"700-719\",W37,0)","v":0},null,null,0.8,{"$f":"SUM(C17*0.8)","v":80000}]
[null,"Broker Fee:",{"$f":"SUM(C34*C30)","v":0},null,null,null,null,null,null,null,null,"Initial Adjustment Cap 2%/ Future adjustment Cap 2%/ Max Cap for the lifetime of the loan 5%",null,null,{"$f":"IF(AND(C23>679.9,C23<699.1),\"680-699\",0)","v":0},null,null,{"$f":"IF(AND(O39=\"680-699\",B14=\"Yes\"),0,0)","v":0},{"$f":"IF(O39=\"680-699\",W36,0)","v":0}]
[null,"Closing Cost:","To be Determined",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(C23>659.9,C23<679.1),\"660-679\",0)","v":0},null,null,null,{"$f":"IF(O40=\"660-679\",W36,0)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(C23>639.9,C23<659.1),\"640-659\",0)","v":0},null,null,null,{"$f":"IF(O41=\"640-659\",0,0)","v":0}]
[null,"Total Funds Needed to See",{"$f":"IF(F36<0,(C35*4),((C35*4)+C37+C38+C39))","v":33730.216717729316},null,null,null,null,null,null,null,null,"Base Rate 5/1",{"$f":"IF(C24=\"5/1 ARM\",7.5%,7.375%)","v":7.4999999999999997E-2},null,{"$f":"IF(C23<639.9,\"639 and below\",0)","v":0},null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,"Total LTV Add-On",{"$f":"SUM(W3:W10)","v":3.7499999999999999E-3},null,null,null,"Max Constructive",{"$f":"MAX(S35:S42)","v":75000}]
[null,"This includes your down payment and 4 months of payment reserves",null,null,null,null,null,null,null,null,null,"Other Add-Ons",{"$f":"SUM(W13:W32)","v":7.4999999999999997E-3},null,null,null,"Minimum Auto Loan $55,000",{"$f":"IF(R43<54999.999,0,R43)","v":75000}]
[null,null,null,null,null,null,null,null,null,null,null,"30 Year ARM Rate",{"$f":"IF(C24=\"Fixed\",\"\",L48)","v":8.6249999999999993E-2},null,null,null,"Loan Override or Not ",{"$f":"IF(G26>0,G26,R44)","v":75000}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Minimum Loan $55,000",{"$f":"IF(R45<54999.999,55000,R45)","v":75000}]
[null,null,null,null,null,null,null,null,null,null,null,"ARM Rate",null,null,null,null,"Max Constructive Loan",{"$f":"IF(R46>R44,R44,R46)","v":75000}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M48<7.5%,7.5%,M48)","v":8.6249999999999993E-2},{"$f":"SUM(M42:M44)","v":8.6249999999999993E-2},null,null,null,"Short Term Rental Pur. Or Rate and Term 75% Cap /  Cash out cap at 70% ",{"$f":"IF(AND(K14=\"Yes\",C11=\"Cash-Out Refi\"),W36,W37)","v":75000}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(R47<R48,R47,R48)","v":75000}]
[null,null,null,null,null,"Lending Cheat sheet",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(R49<50000,0,R49)","v":75000}]
["Lender",null,null,"Constructive",null,null,null,"Occupancy Requirements for Refis for SFR",null,null,"Must be occupied",null,null,null,null,null,"Short Term 700 CS Cap",{"$f":"IF(AND(K14=\"Yes\",C23>699.9),R50,0)","v":0}]
[null,null,null,null,null,null,null,"Occupancy Requirements for Refis for 2-4 Unit",null,null,"Only one unit can be vacant and is subject to a 5% LTV reduction",null,null,null,null,null,"Short Term Rental or Not",{"$f":"IF(K14=\"Yes\",R51,R47)","v":75000}]
["Credit score",null,null,"Mid-Score",null,null,null,null,null,null,null,null,null,null,null,null,"Short Term $100,000 Min Val",{"$f":"IF(AND(K14=\"Yes\",C16<100000),0,R52)","v":75000}]
["Minimum CS for Main borrower",null,null,680,null,null,null,"Occupancy Requirements for Purchases for SFR",null,null,"Must be occupied",null,null,null,null,null,"If loan exceeds $1.5M LTV cap 65%",{"$f":"IF(AND(R53>1500000,R53>W35),W35,R53)","v":75000}]
["Minimum CS for Co-borrower",null,null,680,null,null,null,"Occupancy Requirements for Refis for 2-3 Unit",null,null,"Only one unit can be vacant",null,null,null,null,null,"$2m Loan Cap",{"$f":"IF(R54>2000000,2000000,R54)","v":75000}]
["Population Density Requirements",null,null,"N/A",null,null,null,"Occupancy Requirements for Refis for 4 Unit",null,null,"Only 2 units can be vacant ",null,null,null,null,null,"Warrantable Condo",{"$f":"IF(AND(K15=\"Yes\",R55>W37),W37,R55)","v":75000}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Non-Warrantable Condo",{"$f":"IF(AND(K16=\"Yes\",R56>W35),W35,R56)","v":75000}]
["Minimum Loan for Single Prop",null,null,55000,null,null,null,"Lease Agreement Requirements",null,null,"Cannot be leased to a member from the entity or a family member",null,null,null,null,null,"Short-Term DSCR Cap 1.2",{"$f":"IF(AND(K14=\"Yes\",M32<1.2%),0,R57)","v":75000}]
["Maximum Loan for Single Prop",null,null,2000000,null,null,null,null,null,null,null,null,null,null,null,null,"Short Term Rental Experience",{"$f":"IF(AND(K14=\"Yes\",M4=\"No\"),0,R58)","v":75000}]
["Minimum Appraised Value",null,null,100000,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M32<1,0,R59)","v":75000}]
[null,null,null,null,null,null,null,"Credit/Background  Requirements",null,null,"No 30+ days late on their mortgage in the last 24 months",null,null,null,null,null,"Foreign Investor",{"$f":"IF(AND(K17=\"Yes\",R60>W35),W35,R60)","v":75000}]
["Properties allowed per loan",null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,"Minimum DSCR 70 ≤ 75 LTV (Cashout Refi): 1.10x**",{"$f":"IF(AND(C11=\"Cash-Out Refi\",S62=\"70%-75%\"),T62,R61)","v":75000},{"$f":"IF(AND(C31>69.99%,C31<75.1),\"70%-75%\",0)","v":"70%-75%"},{"$f":"IF(AND(C11=\"Cash-Out Refi\",M32<1.1),0,R61)","v":75000}]
[null,null,null,null,null,null,null,null,null,null,"No Bankruptcies in the last 3 years",null,null,null,null,null,null,{"$f":"IF(AND(K21=\"Yes\",R62>W36),W36,R62)","v":75000}]
["Required Liquidity",null,null,"9 Months",null,null,null,"Any Felony convictions with the last 10 years are allowed within reason and require a detailed Letter of Explanation",null,null,null,null,null,null,null,null,"No Short Term Rental",{"$f":"IF(K14=\"Yes\",0,R63)","v":75000}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Minimum 1.20 DSCR for CS Less Than 720",{"$f":"IF(AND(M32<1.2,C23<720),0,R64)","v":75000}]
["Seasoning Requirements for Refi's",null,null,"6 Months",null,null,null,null,null,null,null,null,null,null,null,null,"Minimum 1.10 DSCR for CS = or greater than 720",{"$f":"IF(AND(M32<1.1,C23>719.999),0,R65)","v":75000}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Minimum Loan $55,000",{"$f":"IF(R66<54999.999,0,R66)","v":75000}]
["Max Acreage",null,null,"Up to 10 Acres"]
[]
["Where do you order Appraisals",null,null,"FastApps"]
["When are you required to get a 2nd Appraisal",null,null,"Loan Amounts $1.5m and above"]
[]
["Who orders 2nd appraisal",null,null,"COGO "]
[]
["Minimum SQFT for Condo ",null,null,"500 SQFT"]

{"sheet":"Initial 30 Year Estimate","index":6,"n_rows":50,"n_cols":6,"rows_kept":50,"cut":false,"hidden":false,"merged":[[47,2,47,3],[48,2,48,3],[48,4,48,5],[44,2,45,6],[1,1,1,8],[24,2,24,6],[22,5,23,6],[42,2,42,6],[46,3,46,5]]}
[]
[null,"           INITIAL 30 YEAR ESTIMATE"]
[]
[]
[null,{"$f":"'LA 30 Year'!A3:A6","v":"Primary Guarantor:"},{"$f":"'LA 30 Year'!B3","v":"Summer Reed"},null,{"$f":"'LA 30 Year'!D3","v":"Primary's Credit Score:"},{"$f":"'LA 30 Year'!G3","v":720}]
[null,"Second Guarantor:",{"$f":"IF('LA 30 Year'!B4=\"\",\"\",'LA 30 Year'!B4)","v":"Summer Reed"},null,{"$f":"'LA 30 Year'!D4","v":"Second's Credit Score:"},{"$f":"'LA 30 Year'!G4","v":0}]
[null,"Broker Name:",{"$f":"IF('LA 30 Year'!B5=\"\",\"\",'LA 30 Year'!B5)","v":""}]
[null,"Property Address:",{"$f":"IF('LA 30 Year'!B6=\"\",\"\",'LA 30 Year'!B6)","v":""}]
[]
[null,null,null,null,"Loan Type:",{"$f":"'LA 30 Year'!C11","v":"Purchase"}]
[null,null,null,null,"Units:",{"$f":"'LA 30 Year'!C12","v":1}]
[null,null,null,null,"Properties:",{"$f":"'LA 30 Year'!C13","v":1}]
[null,null,null,null,"Purchase Price:",{"$f":"SUM('LA 30 Year'!C14)","v":100000}]
[null,null,null,null,"Amount Owed:",{"$f":"'LA 30 Year'!C15","v":0}]
[null,null,null,null,"Qualifying Value:",{"$f":"'LA 30 Year'!C17","v":100000}]
[null,null,null,null,"Estimated Yearly Taxes:",{"$f":"'LA 30 Year'!C18","v":3000}]
[null,null,null,null,"Estimated Yearly Insurance:",{"$f":"'LA 30 Year'!C19","v":1200}]
[null,null,null,null,"Estimated Yearly HOA Dues:",{"$f":"'LA 30 Year'!C20","v":0}]
[null,null,null,null,"Credit Score:",{"$f":"'LA 30 Year'!C23","v":720}]
[null,null,null,null,{"$f":"'LA 30 Year'!B21","v":"Monthly Rent Income"},{"$f":"'LA 30 Year'!C21","v":1050}]
[null,null,null,null,"Loan Term:",{"$f":"'LA 30 Year'!C24","v":"5/1 ARM"}]
[null,null,null,null,"Pre-Payment Penalty:",{"$f":"'LA 30 Year'!C26","v":"5 Year Step Down 5%, 4%, 3%, 2%, 1%"}]
[null,null,null,null,{"$f":"IF(OR('LA 30 Year'!C24=\"5/1 ARM\",'LA 30 Year'!C24=\"10/1 ARM\"),\"ARM Terms:\",\"\")","v":"ARM Terms:"},{"$f":"IF(OR('LA 30 Year'!C24=\"5/1 ARM\",'LA 30 Year'!C24=\"10/1 ARM\"),'LA 30 Year'!L39,\"\")","v":"Initial Adjustment Cap 2%/ Future adjustment Cap 2%/ Max Cap for the lifetime of the loan 5%"}]
[]
[null,null,"Summary Estimate"]
[]
[null,null,null,null,"Loan Amount:",{"$f":"'LA 30 Year'!C30","v":75000}]
[null,null,null,null,"Loan To Value (LTV):",{"$f":"'LA 30 Year'!C31","v":0.75}]
[null,null,null,null,"Interest Rate:",{"$f":"'LA 30 Year'!C32","v":8.3750000000000005E-2}]
[null,null,null,null,"Origination Points:",{"$f":"'LA 30 Year'!C33","v":0.03}]
[null,null,null,null,"Broker Points:",{"$f":"'LA 30 Year'!C34","v":0}]
[null,null,null,null,{"$f":"'LA 30 Year'!B35","v":"Monthly Principal and Interest Payment:"},{"$f":"'LA 30 Year'!C35","v":570.05417943232874}]
[null,null,null,null,{"$f":"'LA 30 Year'!B36","v":"Monthly Principal, Interest, Taxes, and Insurance Payment:"},{"$f":"'LA 30 Year'!C36","v":920.05417943232874}]
[null,null,null,null,{"$f":"'LA 30 Year'!B37","v":"Required Down payment:"},{"$f":"'LA 30 Year'!C37","v":29200}]
[null,null,null,null,{"$f":"'LA 30 Year'!B38","v":"Origination Fee:"},{"$f":"'LA 30 Year'!C38","v":2250}]
[null,null,null,null,{"$f":"'LA 30 Year'!B39","v":"Broker Fee:"},{"$f":"'LA 30 Year'!C39","v":0}]
[null,null,null,null,{"$f":"'LA 30 Year'!B40","v":"Closing Cost:"},{"$f":"'LA 30 Year'!C40","v":"To be Determined"}]
[]
[null,null,null,null,{"$f":"'LA 30 Year'!#REF!","v":{"$error":"#REF!"}},{"$f":"'LA 30 Year'!#REF!","v":{"$error":"#REF!"}}]
[]
[]
[null,null,null,null,{"$f":"'LA 30 Year'!B42:C42","v":"Total Funds Needed to See"},33730.216717729316]
[null,null,"This includes your down payment and 4 months of payment reserves"]
[]
[null,null,"Interest rates and LTV's are subject to change until your loan is approved from Underwriting "]
[]
[null,null,null,{"$f":"TODAY()","v":"2022-12-16"}]
[null,null,"Austin Asbury",null,"Loan Analyst","Ext 1380"]
[null,null,"P 208.216.6949 (Call or Text)",null,"E AAsbury@cogocapital.com"]
[null,null,"701 E. Front Ave., Second Floor | Coeur D’Alene, ID 83814 | cogocapital.com"]