0001539497-16-004201.txt : 20161202 0001539497-16-004201.hdr.sgml : 20161202 20161202162602 ACCESSION NUMBER: 0001539497-16-004201 CONFORMED SUBMISSION TYPE: ABS-15G PUBLIC DOCUMENT COUNT: 5 CONFORMED PERIOD OF REPORT: 20161202 0001013454 ITEM INFORMATION: 2.01 FILED AS OF DATE: 20161202 DATE AS OF CHANGE: 20161202 RULE-15GA2 025-00564 Y Commercial mortgages 0001013454 0001691314 DBWF 2016-85T Mortgage Trust 333-206705 FILER: COMPANY DATA: COMPANY CONFORMED NAME: DEUTSCHE MORTGAGE & ASSET RECEIVING CORP CENTRAL INDEX KEY: 0001013454 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 043310019 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: ABS-15G SEC ACT: SEC FILE NUMBER: 025-00564 FILM NUMBER: 162031465 BUSINESS ADDRESS: STREET 1: 60 WALL STREET CITY: NEW YORK STATE: NY ZIP: 10005 BUSINESS PHONE: (212) 250-2500 MAIL ADDRESS: STREET 1: 60 WALL STREET CITY: NEW YORK STATE: NY ZIP: 10005 ABS-15G 1 n808_abs15g-x1.htm FORM ABS-15G

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM ABS-15G
ASSET-BACKED SECURITIZER
REPORT PURSUANT TO SECTION 15G OF
THE SECURITIES EXCHANGE ACT OF 1934

Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:

____ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period

____________________ to ____________________

Date of Report (Date of earliest event reported) ____________________

Commission File Number of securitizer: ____________________

Central Index Key Number of securitizer: ____________________

 
Name and telephone number, including area code, of the person to
contact in connection with this filing.

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(1) [ ]

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) [ ]

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) [ ]

__X__ Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor:        0001013454       

DBWF 2016-85T Mortgage Trust
(Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity:         0001691314              

Helaine M. Kaplan, (212) 250-5270
Name and telephone number, including area code, of the person to
contact in connection with this filing

 
 

 

INFORMATION TO BE INCLUDED IN THE REPORT

PART II:  FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS

Item 2.01  Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer

Attached as Exhibit 99.1 hereto is an agreed-upon procedures report, dated December 2, 2016, of KPMG LLP, obtained by the depositor, which report sets forth the findings and conclusions, as applicable, of KPMG LLP with respect to certain agreed-upon procedures performed by KPMG LLP.

 

 
 

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

Deutsche Mortgage & Asset Receiving Corporation
(Depositor)

Date:  December 2, 2016

/s/ Andrew Mullin

By:  Andrew Mullin, Director
(senior officer in charge of securitization of the depositor)

 

/s/ R. Christopher Jones

By:  R. Christopher Jones, Director
(senior officer in charge of securitization of the depositor)

 

 

 
 

 

EXHIBIT INDEX

 

Exhibit Number Description
   
Exhibit 99.1 Independent Accountants’ Report on Applying Agreed-Upon Procedures, dated December 2, 2016

 

EX-99.1 2 exh99-1.htm INDEPENDENT ACCOUNTANTS' REPORT DATED DECEMBER 2, 2016

Exhibit 99.1

   
 

KPMG LLP

1676 International Drive

McLean, VA 22102

 

Independent Accountants’ Report on Applying Agreed-Upon Procedures

German American Capital Corporation
Deutsche Mortgage & Asset Receiving Corporation (together, the “Company”)
Deutsche Bank Securities Inc.
Wells Fargo Bank, National Association
Wells Fargo Securities, LLC
(together with the Company, the “Specified Parties”)

Re: DBWF 2016-85T Mortgage Trust – Loan File Procedures

We have performed the procedures described below, which were agreed to by the Specified Parties, solely to assist the Specified Parties with certain information pertaining to the mortgage loan and the related mortgaged property which we were informed are intended to be included as collateral in the offering of the DBWF 2016-85T Mortgage Trust, Commercial Mortgage Pass-Through Certificates. This agreed-upon procedures engagement was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants. The sufficiency of these procedures is solely the responsibility of the Specified Parties. Consequently, we make no representation regarding the sufficiency of the procedures described below either for the purpose for which this report has been requested or for any other purpose.

Unless otherwise noted, the following definitions have been adopted in presenting our procedures and findings:

·The term “compared” means compared to the information shown and found it to be in agreement, unless otherwise stated. Such compared information was deemed to be in agreement if differences were attributable to rounding.
·The term “recomputed” means recalculated and compared the results to the information shown and found it to be in agreement, unless otherwise stated. Such recomputed information was deemed to be in agreement if differences were attributable to rounding.
·The term “rounding” means that amounts and percentages were within $1.00 and 0.1%, respectively.
·The term “Data File” means the electronic data file provided to us by the Company on December 2, 2016 containing information with respect to one mortgage loan (“Mortgage Loan”) and the related mortgaged property (“Mortgaged Property”).
·The term “Cut-off Date” means the payment date in December, 2016, as provided by the Company.
·The term “Compared Attributes” means the list of fields in the Data File which were selected by the Company for us to perform procedures and listed in Attachment A.
·The term “Loan File” means the copies of source documents made available by the Company and listed in Attachment A.
·The term “Recomputed Attributes” means the list of fields in the Data File which were selected by the Company for us to perform recomputation procedures and listed in Attachment B.
·The term “Calculation Methodology” means the field listed in Attachment B containing the calculation methodologies for the Recomputed Attributes provided by the Company.
·The term “Instructions” means the instructions provided by the Company pertaining to a procedure, specific attribute, methodology or value and described in Attachment C.
     
  KPMG LLP is a Delaware limited liability partnership and the US member firm of KPMG network of independent member firms affiliated with KPMG International Cooperative (“KPMG International”), a Swiss entity.  

 

 

   
 

 

   
     

 

The Company is responsible for the information contained in the Data File.

We were instructed by the Company to perform the following agreed-upon procedures on the Mortgage Loan and related Mortgaged Property in the Data File.

A.We compared the Compared Attributes in the Data File to the corresponding information set forth in the Loan File (subject to the Instructions). Where more than one document is indicated, we used the highest priority document that we could locate in the Loan File. The document priority is the order provided by the Company, which is summarized in Attachment A, with the highest priority document listed first.

We found such information in the Data File to be in agreement.

B.Using (i) certain information in the Data File, and (ii) the Calculation Methodology, we recomputed the Recomputed Attributes for the Mortgage Loan and related Mortgaged Property listed in the Data File and compared the results of our recomputations to the corresponding information contained in the Data File.

We found such information in the Data File to be in agreement.

There were no conclusions that resulted from the procedures.

We were not engaged to, and did not conduct an audit, examination, or review, the objectives of which would be the expression of an opinion or conclusion on the Data File. Accordingly, we do not express such an opinion or conclusion. Had we performed additional procedures, other matters might have come to our attention that would have been reported to you.

The procedures performed were applied based on the methodologies, instructions and information provided to us by the Company, without verification or evaluation of such methodologies, instructions, documents, and information by us; therefore, we express no opinion or any other form of assurance regarding (i) the reasonableness of the methodologies, instructions, or information provided to us by the Company, (ii) the physical existence of the Mortgage Loan and Mortgaged Property, (iii) the reliability or accuracy of the documents furnished to us by the Company which were used in our procedures, (iv) the adequacy of the disclosures in the Data File, or as to whether any of the statements expressed therein omit any material facts, or (v) matters of legal interpretation.

The procedures performed were not intended to address, nor did they address: (i) the conformity of the origination of the Mortgage Loan to stated underwriting or credit extension guidelines, standards, criteria or other requirements, (ii) the value of collateral securing any such Mortgage Loan being securitized, (iii) the compliance of the originator of the Mortgage Loan with federal, state, and local laws and regulations, or (iv) any other factor or characteristic of the Mortgage Loan that would be material to the likelihood that the issuer of the asset-backed security will pay interest and principal in accordance with applicable terms and conditions. The procedures performed were not intended to satisfy any criteria for due diligence published by a nationally recognized statistical rating organization (“NRSRO”).

The terms of our engagement are such that we have no obligation to update this report because of events and transactions that may subsequently occur.

This report is intended solely for the information and use of the Specified Parties. It is not intended to be and should not be used by any other person or entity, including investors and NRSROs, who are not identified in the report as Specified Parties but who may have access to this report as required by law or regulation.

December 2, 2016

 

 2 
 

ATTACHMENT A

 

COMPARED ATTRIBUTES

 

Attribute Source Document
Loan Number Provided by the Company
Mortgage Loan Originator Provided by the Company
Mortgage Loan Seller Provided by the Company
Properties per Loan Provided by the Company
Property Name Provided by the Company
Address Appraisal/Engineering Report
City Appraisal/Engineering Report
County Appraisal/Engineering Report
State Appraisal/Engineering Report
Zip Code Appraisal/USPS
Property Type Appraisal
Property Sub-Type Appraisal
Year Built Appraisal/Engineering Report
Year Renovated Appraisal/Engineering Report/CapEx Schedule
Units/Rentable Square Ft. Borrower Rent Roll/Underwritten Rent Roll/Lease
Collateral Square Ft. Borrower Rent Roll/Underwritten Rent Roll/Lease
Primary Unit of Measure Underwritten Rent Roll/Lease Agreement/Borrower Rent Roll
Original First Mortgage Balance Loan Agreement/Promissory Note/Deed of Trust/Mortgage
Cut-off Date Provided by the Company
Cut-off First Mortgage Balance Loan Agreement/Promissory Note/Deed of Trust/Mortgage
Cut-off Trust Loan Amount Loan Agreement/Promissory Note/Deed of Trust/Mortgage
Cut-off Companion Loan Amount Loan Agreement/Promissory Note/Deed of Trust/Mortgage
Appraisal Value Appraisal
Date of Valuation Appraisal
Appraisal Value As Is/ Stabilized Appraisal
FIRREA Eligible (Yes/No) Appraisal
Note Date Loan Agreement/Promissory Note/Deed of Trust/Mortgage
First Payment Date Loan Agreement/Promissory Note/Deed of Trust/Mortgage
Interest Rate Loan Agreement/Promissory Note/Deed of Trust/Mortgage/Note Splitter Agreement

 

 A-1 
 

 

 

Attribute Source Document
Interest Calculation (30/360 / Actual/360) Loan Agreement
Grace Period (Default) Loan Agreement/Promissory Note/Deed of Trust/Mortgage
Grace Period (Late Fee) Loan Agreement/Promissory Note/Deed of Trust/Mortgage
Payment Day Loan Agreement/Promissory Note/Deed of Trust/Mortgage
Original Amort. Term (Months) Loan Agreement/Promissory Note/Deed of Trust/Mortgage
Original Interest Only Period (Months) Loan Agreement
Maturity Date Loan Agreement/Promissory Note/Deed of Trust/Mortgage
ARD (Yes/No) Loan Agreement/Promissory Note/Deed of Trust/Mortgage
LockBox Type Loan Agreement/Promissory Note/Cash Management Agreement/Lockbox Agreement
Cash Management Loan Agreement/Promissory Note/Cash Management Agreement/Lockbox Agreement
Excess Cash Trap Trigger Loan Agreement/Promissory Note/Cash Management Agreement/Lockbox Agreement
Prepayment Provision Loan Agreement/Promissory Note/Deed of Trust/Mortgage
Lockout Expiration Date Loan Agreement/Promissory Note/Deed of Trust/Mortgage
Amortization Type Loan Agreement/Promissory Note/Deed of Trust/Mortgage
Lien Position Proforma Title Policy/Title Policy/Escrow Instruction Letter
Ownership Interest Proforma Title Policy/Title Policy/Escrow Instruction Letter
Ground Lease Expiration Date Proforma Title Policy/Title Policy/Ground Lease
Ground Lease Extension Options Proforma Title Policy/Title Policy/Ground Lease
Existing Additional Debt (Yes/No) Note Splitter Agreement/Loan Agreement/Promissory Note
Existing Additional Debt Amount Note Splitter Agreement/Loan Agreement/Promissory Note
Existing Additional Debt Description Mezzanine Loan Agreement/Intercreditor Agreement/Subordinate Notes
Future Additional Debt Permitted (Yes/No) Loan Agreement/Promissory Note/Deed of Trust/Mortgage
Future Additional Debt Type Loan Agreement/Promissory Note/Deed of Trust/Mortgage
Future Additional Debt Description Loan Agreement/Promissory Note/Deed of Trust/Mortgage
Partial Prepay Allowed (Yes/No) Loan Agreement/Promissory Note/Deed of Trust/Mortgage
Partial Prepayment Description Loan Agreement/Promissory Note/Deed of Trust/Mortgage
2011 Occupancy Borrower Rent Roll/Underwritten Rent Roll/Travel Research Report/Historical Occupancy

 

 A-2 
 

 

 

Attribute Source Document
2011 Occupancy Date Borrower Rent Roll/Underwritten Rent Roll/Travel Research Report/Historical Occupancy
2012 Occupancy Borrower Rent Roll/Underwritten Rent Roll/Travel Research Report/Historical Occupancy
2012 Occupancy Date Borrower Rent Roll/Underwritten Rent Roll/Travel Research Report/Historical Occupancy
2013 Occupancy Borrower Rent Roll/Underwritten Rent Roll/Travel Research Report/Historical Occupancy
2013 Occupancy Date Borrower Rent Roll/Underwritten Rent Roll/Travel Research Report/Historical Occupancy
2014 Occupancy Borrower Rent Roll/Underwritten Rent Roll/Travel Research Report/Historical Occupancy
2014 Occupancy Date Borrower Rent Roll/Underwritten Rent Roll/Travel Research Report/Historical Occupancy
2015 Occupancy Borrower Rent Roll/Underwritten Rent Roll/Travel Research Report/Historical Occupancy
2015 Occupancy Date Borrower Rent Roll/Underwritten Rent Roll/Travel Research Report/Historical Occupancy
Most Recent Physical Occupancy Borrower Rent Roll/Underwritten Rent Roll/Travel Research Report
Most Recent Rent Roll/Census Date Borrower Rent Roll/Underwritten Rent Roll/Travel Research Report
Major Tenant Name # 1 Underwritten Rent Roll/Lease Agreement/Borrower Rent Roll
Major Tenant Sq. Ft. # 1 Underwritten Rent Roll/Lease Agreement/Borrower Rent Roll
Major Tenant Lease Expiration Date # 1 Underwritten Rent Roll/Lease Agreement/Borrower Rent Roll
Major Tenant Name # 2 Underwritten Rent Roll/Lease Agreement/Borrower Rent Roll
Major Tenant Sq. Ft. # 2 Underwritten Rent Roll/Lease Agreement/Borrower Rent Roll
Major Tenant Lease Expiration Date # 2 Underwritten Rent Roll/Lease Agreement/Borrower Rent Roll
Major Tenant Name # 3 Underwritten Rent Roll/Lease Agreement/Borrower Rent Roll
Major Tenant Sq. Ft. # 3 Underwritten Rent Roll/Lease Agreement/Borrower Rent Roll
Major Tenant Lease Expiration Date # 3 Underwritten Rent Roll/Lease Agreement/Borrower Rent Roll
Major Tenant Name # 4 Underwritten Rent Roll/Lease Agreement/Borrower Rent Roll
Major Tenant Sq. Ft. # 4 Underwritten Rent Roll/Lease Agreement/Borrower Rent Roll
Major Tenant Lease Expiration Date # 4 Underwritten Rent Roll/Lease Agreement/Borrower Rent Roll
2015 Operating Stmt Date Underwritten Financial Schedule
2015 EGI Underwritten Financial Schedule
2015 Expenses Underwritten Financial Schedule
2015 NOI Underwritten Financial Schedule

 

 A-3 
 

 

 

Attribute Source Document
2015 Total Capital Items Underwritten Financial Schedule
2015 NCF Underwritten Financial Schedule
2014 Operating Stmt Date Underwritten Financial Schedule
2014 EGI Underwritten Financial Schedule
2014 Expenses Underwritten Financial Schedule
2014 NOI Underwritten Financial Schedule
2014 Total Capital Items Underwritten Financial Schedule
2014 NCF Underwritten Financial Schedule
2013 Operating Stmt Date Underwritten Financial Schedule
2013 EGI Underwritten Financial Schedule
2013 Expenses Underwritten Financial Schedule
2013 NOI Underwritten Financial Schedule
2013 Total Capital Items Underwritten Financial Schedule
2013 NCF Underwritten Financial Schedule
2012 Operating Stmt Date Underwritten Financial Schedule
2012 EGI Underwritten Financial Schedule
2012 Expenses Underwritten Financial Schedule
2012 NOI Underwritten Financial Schedule
2012 Total Capital Items Underwritten Financial Schedule
2012 NCF Underwritten Financial Schedule
2011 Operating Stmt Date Underwritten Financial Schedule
2011 EGI Underwritten Financial Schedule
2011 Expenses Underwritten Financial Schedule
2011 NOI Underwritten Financial Schedule
2011 Total Capital Items Underwritten Financial Schedule
2011 NCF Underwritten Financial Schedule
UW EGI Underwritten Financial Schedule
UW Expenses Underwritten Financial Schedule
UW NOI Underwritten Financial Schedule
UW Replacement Reserves Underwritten Financial Schedule
UW TI/LC Underwritten Financial Schedule
UW NCF Underwritten Financial Schedule

 

 A-4 
 

 

 

Attribute Source Document
UW Vacancy Underwritten Financial Schedule
Replacement Reserve taken at Closing Closing Statement/Loan Agreement/Reserve Agreement/Mortgage
Monthly Replacement Reserve Closing Statement/Loan Agreement/Reserve Agreement/Mortgage
TI/LC taken at Closing Closing Statement/Loan Agreement/Reserve Agreement/Mortgage
Monthly TI/LC Closing Statement/Loan Agreement/Reserve Agreement/Mortgage
Tax at Closing Closing Statement/Loan Agreement/Reserve Agreement/Mortgage
Monthly Tax Constant / Escrow Closing Statement/Loan Agreement/Reserve Agreement/Mortgage/Escrow Analysis
Insurance at Closing Closing Statement/Loan Agreement/Reserve Agreement/Mortgage
Monthly Insurance Constant / Escrow Closing Statement/Loan Agreement/Reserve Agreement/Mortgage/Escrow Analysis
Engineering Reserve taken at Closing Closing Statement/Loan Agreement/Reserve Agreement/Mortgage
Other Reserve Closing Statement/Loan Agreement/Reserve Agreement/Mortgage
Description Other Reserve Closing Statement/Loan Agreement/Reserve Agreement/Mortgage
Borrower Loan Agreement/Promissory Note/Deed of Trust/Mortgage
Related Principal Provided by the Company
Sponsor Guaranty of Recourse Obligations
Earthquake Insurance (Y/N) Insurance Certificate/Insurance Review
Terrorism Insurance (Y/N) Insurance Certificate/Insurance Review
Windstorm Insurance (Y/N) Insurance Certificate/Insurance Review
Environmental Insurance (Y/N) Insurance Certificate/Insurance Review
Date of Engineering Report Engineering Report
Date of Phase I Report Environmental Report
Date of Phase II Report (if applicable) Environmental Report
Date of Seismic Report Seismic Report
PML (%) Seismic Report
SPE Loan Agreement/Promissory Note/Deed of Trust/Mortgage
Single Tenant (Yes/No) Borrower Rent Roll/Underwritten Rent Roll
Guarantor Guaranty of Recourse Obligations
Property Manager Management Agreement
TIC Loan Agreement/Promissory Note/Deed of Trust/Mortgage

 

 A-5 
 

 

 

Attribute Source Document
Loan Purpose Closing Statement/Loan Agreement
Assumption Fee Loan Agreement/Promissory Note/Deed of Trust/Mortgage
Letter of Credit Loan Agreement/Letter of Credit
Earnout/Holdback Closing Statement/Loan Agreement/Promissory Note/Reserve Agreement
Earnout/Holdback Description Closing Statement/Loan Agreement/Promissory Note/Reserve Agreement
Sub Serviced (Y/N) Provided by the Company
Sub Servicer Name Provided by the Company
Sub Servicer Fee Rate Provided by the Company
Master Provided by the Company
Primary Provided by the Company
Cert Admin Fee Rate Provided by the Company
CREFC Fee Rate Provided by the Company
Directs Investment (Borrower or Lender) Closing Statement/Loan Agreement/Promissory Note/Reserve Agreement
RE Tax Closing Statement/Loan Agreement/Promissory Note/Reserve Agreement
Insurance Closing Statement/Loan Agreement/Promissory Note/Reserve Agreement
Replacement Reserves Closing Statement/Loan Agreement/Promissory Note/Reserve Agreement
TI/LC Closing Statement/Loan Agreement/Promissory Note/Reserve Agreement
Immediate Repairs Closing Statement/Loan Agreement/Promissory Note/Reserve Agreement
Other Escrows Closing Statement/Loan Agreement/Promissory Note/Reserve Agreement

 

 A-6 
 

ATTACHMENT B

 

RECOMPUTED ATTRIBUTES

 

Attribute Calculation Methodology
Cut-off Balance per Unit Cut-off First Mortgage Balance divided by Units/Rentable Square Ft.
% of Total Cut-off Date Pool Balance Cut-off First Mortgage Balance divided by the aggregate Cut-off First Mortgage Balance of all Mortgage Loans
LTV at Cut-off Cut-off First Mortgage Balance divided by Appraisal Value.
First Mortgage Maturity Balance With respect to the full term interest-only Mortgage Loan, set the First Mortgage Maturity Balance equal to the Original First Mortgage Balance. Assume all scheduled payments of principal and/or interest on the Mortgage Loan are made and that there are no prepayments or other unscheduled collections.
LTV at Maturity First Mortgage Maturity Balance divided by Appraisal Value.
U/W NOI Debt Yield UW NOI divided by Cut-off First Mortgage Balance
U/W NCF Debt Yield UW NCF divided by Cut-off First Mortgage Balance
Average Monthly Debt Service Payment Recompute as one twelfth of the product of (i) Original Balance ($), (ii) Mortgage Loan Rate (%), and (iii) a fraction equal to 365/360 for the Mortgage Loan with an Amortization Type of “Interest Only”.
Original Balloon Term (Months) Number of payments between and including the Maturity Date and the First Payment Date
Seasoning as of Cut-off Date (Months) Number of payments between and including the First Payment Date and the Cut-off Date
Remaining Term to Amortization (Months) Original Amort. Term (Months) minus Seasoning as of the Cut-off Date (Months)
Remaining Term to Maturity (Months) Original Balloon Term (Months) minus Seasoning as of the Cut-off Date (Months)
Rem IO Period Original Interest Only Period (Months) minus Seasoning as of the Cut-off Date (Months)
Major % of Sq. Ft. # 1 Major Tenant Sq. Ft. # 1 divided by Units/Rentable Square Ft.
Major % of Sq. Ft. # 2 Major Tenant Sq. Ft. # 2 divided by Units/Rentable Square Ft.
Major % of Sq. Ft. # 3 Major Tenant Sq. Ft. # 3 divided by Units/Rentable Square Ft.
Major % of Sq. Ft. # 4 Major Tenant Sq. Ft. # 4 divided by Units/Rentable Square Ft.

 

 B-1 
 

 

 

Attribute Calculation Methodology
UW NCF DSCR (Current) UW NCF divided by “annual" Average Monthly Debt Service Payment.
UW NCF DSCR (After IO Period) UW NCF divided by "annual" Average Monthly Debt Service Payment.
UW NOI DSCR (Current) UW NOI divided by “annual" Average Monthly Debt Service Payment.
UW NOI DSCR (After IO Period) UW NOI divided by "annual" Average Monthly Debt Service Payment.
Admin Fee Rate The sum of Sub Servicer Fee Rate, Master, Primary, Cert Admin Fee Rate, CREFC Fee Rate.

 

 

 B-2 
 

 

ATTACHMENT C

 

INSTRUCTIONS

 

 

1.For those Compared Attributes with the Source Document indicated as “Provided by the Company”, we were instructed by the Company to assume the attribute is accurate and not perform any procedure.

 

 

 C-1 
 

GRAPHIC 3 image_001.jpg GRAPHIC begin 644 image_001.jpg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image_002.jpg GRAPHIC begin 644 image_002.jpg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end GRAPHIC 5 image_003.jpg GRAPHIC begin 644 image_003.jpg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end