In general, paid scrubs are after “free” scrubs.  An example of a free scrub is identifying a lead that exists with specific recency.  If a lead fails, it stops the waterfall.  Hypothetically, if a Borrower’s state fails, it does not mean they pass the remaning rules.

Borrower’s State=OK
Borrower’s Pay Frequency=OK
Military=Review
Direct Deposit=OK
Checking Account=OK
Monthly Income=OK
Max Loan Amount=OK
Loan Income Ratio=OK
Age=OK
RoutingNo=OK
BorrowerExists=No
LeadExists=No
CellLookup=OK
FraudScore=Passed
Credit Bureaus=Passed
Scorecard=Passed