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Olivia Ochoa
LN-4471PurchaseMotor City Logistics LLC · Single-family, Michigan · $485,000 · loan $388,000
LTV80%
DTI31%
FICO744
Rate6.875%
Lead
Application
Docs
Underwriting
Conditions
Clear to close
Funded
Income
reconciled to source Base employment $9,833 / mo paystub · p.1 · 99%
YTD gross $68,831 W-2 2025 · box 1 · 98%
Bonus (2-yr avg) $412 / mo W-2 ×2 · 94%
Dividend income $96 / mo 1099-DIV · 90%
Qualifying income$10,437 / mo
Assets
4 counted · 1 excluded Comerica checking ••9032 Reconciled · 3 mo
$22,140 ✓
Ally savings ••1180 Seasoned 60+ days
$58,900 ✓
Fidelity brokerage ••8102 340 AAPL · 120 MSFT · 45 VTI
$65,168 detected
Gift funds Donor: parent · letter attached
$18,000 ✓
Motor City Logistics ••4471 Excluded from reserves
$41,320 business · excluded
Eligible for reserves
$164,208
AMY detection
The Fidelity statement was a brokerage account — AMY itemized the holdings and valued them at statement close. The Motor City Logistics account looked personal at a glance, but the transaction pattern (payroll runs, vendor ACH) flagged it as a business operating account, so it's excluded from personal reserves.
Conditions
3 / 5 cleared ✓ Most recent paystub within 30 days AMY
✓ Source $18,000 deposit (06/12) AMY
✓ 2 months bank statements, all pages AMY
○ Verbal verification of employment Processor
○ Appraisal review Underwriter
Activity
Mapped 214 fields to MISMO 3.4 · provenance attached
Sourced $18,000 gift deposit → gift letter + donor statement
Split Motor City Logistics ••4471 (business) from personal reserves
Detected Fidelity brokerage — itemized 3 holdings = $65,168
Reconciled 3 bank statements — variance $0.00
Uploaded 9 documents via borrower wizard
Export-ready
Every field carries provenance back to its source. Push to your LOS or export MISMO 3.4.