<TABLE>
<CAPTION>
<S> <C>
OAKWOOD MORTGAGE INVESTORS, INC. 1999-C REPORT DATE: September 8, 2000
OAKWOOD ACCEPTANCE CORP. - SERVICER POOL REPORT #15
REMITTANCE REPORT Page 1 of 6
REPORTING MONTH: Aug-00
Scheduled Principal Balance of Contracts
--------------------------------------------------------------------------------------------
Beginning Ending
Principal Scheduled Prepaid Liquidated Loans Principal
Balance Principal Principal Principal Repurchased Balance
---------------------------------------------------------------------------------------------
283,681,177.27 (334,704.98) (510,853.08) (1,239,058.65) 0.00 281,596,560.56
=============================================================================================
Scheduled Scheduled Amount
Gross Servicing Pass Thru Pass-Through Available for Limited Total
Interest Fee Interest Proceeds Distribution Guarantee Distribution
-------------------------------------------------------------------------------------------------------------
2,474,256.87 236,400.98 2,237,855.89 787,310.02 4,107,124.95 0.00 4,107,124.95
=============================================================================================================
Certificate Account
-------------------------------------------------------------------------------------------------------------------------------
Beginning Deposits Investment Ending
Balance Principal Interest Distributions Interest Balance
-------------------------------------------------------------------------------------------------------------------------------
1,028,980.90 2,081,430.41 2,459,779.53 (5,201,688.16) 3,635.39 372,138.07
===============================================================================================================================
P&I Advances at Distribution Date
-------------------------------------------------------------------------------
Beginning Recovered Current Ending
Balance Advances Advances Balance
-------------------------------------------------------------------------------
3,481,039.91 -3,481,039.91 3,010,099.13 3,010,099.13
===============================================================================
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C>
OAKWOOD MORTGAGE INVESTORS, INC. 1999-C REPORT DATE: September 8, 2000
OAKWOOD ACCEPTANCE CORP. - SERVICER POOL REPORT #15
REMITTANCE REPORT
REPORTING MONTH: Page 2 of 6
Class B Crossover Test Test Met?
--------------------------------------------------------------- ---------------
(a) Remittance date on or after December 2003 N
(b) Average 60 day Delinquency rate <= 5.5% N
(d) Cumulative losses do not exceed the following
percent of the intitial principal balance of all Certificates
Jan. 2004 - June 2005 7% N
July 2005 - June 2006 8% N
July 2006 - Dec. 2007 9.5% N
Dec 2007 and After 10.5% N
(e) Current realized loss ratio <= 3.00% Y
(f) Does Subordinated Certificate percentage equal or
exceed 40.251%
of Pool Scheduled Principal Balance
Beginning M balance 36,812,000.00
Beginning B-1 balance 16,004,000.00
Beginning B-2 balance 20,807,916.00
-------------------
73,623,916.00
-------------------
Divided by beginning pool
balance 283,681,177.27
25.953% N
Average 60 day delinquency ratio:
Over 60s Pool Balance %
--------------------------------------------------------
Current Mo 17,822,887.49 281,596,560.56 6.33%
1st Preceding Mo 17,148,845.35 283,681,177.27 6.05%
2nd Preceding Mo 15,431,200.66 286,379,574.61 5.39%
Divided by 3
-------------
5.92%
=============
Cumulative loss ratio:
Cumulative losses 2,993,640.14
----------------
Divided by Initial Certificate Principal 320,093,916.00 0.935%
=============
Current realized loss ratio:
Liquidation Pool
Losses Balance
-------------------------------------------
Current Mo 451,748.63 283,681,177.27
1st Preceding Mo 479,576.07 286,379,574.61
2nd Preceding Mo 379,277.71 289,250,614.51
-------------------------------------------
1,310,602.41 286,437,122.13 1.830%
=============
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C>
OAKWOOD MORTGAGE INVESTORS, INC. 1999-C REPORT DATE: September 8, 2000
OAKWOOD ACCEPTANCE CORP. - SERVICER POOL REPORT #15
REMITTANCE REPORT Page 3 of 6
REPORTING MONTH: Aug-00
Delinquency Analysis
31 to 59 days 60 to 89 days 90 days and Over Total Delinq.
No. of Principal Principal Principal Principal Principal
Loans Balance # Balance # Balance # Balance # Balance
----------------------------------------------------------------------------------------------------------------------
Excluding Repos 6,392 271,862,785.84 192 7,298,202.07 62 2,464,896.48 133 5,753,078.35 387 15,516,176.90
Repos 262 9,733,774.72 3 128,862.06 17 689,673.78 242 8,915,238.88 262 9,733,774.72
--------------------------------------------------------------------------------------------------------------------
Total 6,654 281,596,560.56 195 7,427,064.13 79 3,154,570.26 375 14,668,317.23 649 25,249,951.62
====================================================================================================================
9.8% 8.97%
=======================
Repossession Analysis
Active Repos Reversal Current Month
Outstanding (Redemption) Repos Cumulative Repos
Principal Principal Principal Principal
# Balance # Balance # Balance # Balance
-------------------------------------------------------------------------------
262 9,733,774.72 0 0.00 58 2,152,068.77 586 20,283,222.30
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C>
OAKWOOD MORTGAGE INVESTORS, INC. 1999-C REPORT DATE: September 8, 2000
OAKWOOD ACCEPTANCE CORP. - SERVICER POOL REPORT # 15
REMITTANCE REPORT
REPORTING MONTH: Aug-00 Page 4 of 6
REPOSSESSION LIQUIDATION REPORT
Liquidated Net
Account Customer Principal Sales Insur. Total Repossession Liquidation
Number Name Balance Proceeds Refunds Proceeds Expenses Proceeds
------------------------------------------------------------------------------------------------------------------------------------
1872290 BRIAN C HOWELL 55,055.23 48,900.00 695.18 49,595.18 11,492.00 38,103.18
1911536 RENEE K SHELTON 57,332.78 51,650.00 750.46 52,400.46 11,574.50 40,825.96
1913557 LINDA S DUNCAN 50,834.32 51,150.00 470.58 51,620.58 11,559.50 40,061.08
1913771 BONITA K SCHROEDER 51,715.96 47,050.00 3,500.77 50,550.77 11,436.50 39,114.27
1922061 CHAD M THURMAN 74,421.15 63,250.00 454.72 63,704.72 11,922.50 51,782.22
1115997 JAMES W SANDLIN 65,079.39 50,000.00 0.00 50,000.00 7,215.00 42,785.00
1562487 RUBEN ALVAREZ 28,549.05 28,400.00 0.00 28,400.00 6,567.00 21,833.00
1835545 ALTON C MEDLIN 26,793.77 23,500.00 488.20 23,988.20 6,420.00 17,568.20
1836816 NATHAN S CARROLL 35,901.14 32,400.00 1,170.18 33,570.18 6,687.00 26,883.18
1841139 CHRISTINA L CALDWELL 23,427.54 6,000.00 0.00 6,000.00 1,100.00 4,900.00
1845890 BETH A CRAIG 27,931.65 27,900.00 0.00 27,900.00 6,552.00 21,348.00
1865039 STEVEN G BENNETT 26,319.61 26,000.00 1,810.36 27,810.36 6,495.00 21,315.36
1870849 JAMES R PERSON 44,174.67 46,750.00 0.00 46,750.00 11,427.50 35,322.50
1872977 ANIBAL CHAPA 35,127.47 36,650.00 0.00 36,650.00 11,124.50 25,525.50
1907534 MICHEAL T GREEN 21,271.36 23,900.00 0.00 23,900.00 6,432.00 17,468.00
1908128 JOHN M CRUM 31,325.95 32,900.00 362.96 33,262.96 6,702.00 26,560.96
1912120 ANGEL RAMIREZ 12,352.00 1,000.00 1,830.42 2,830.42 1,100.00 1,730.42
1914464 TAWANNA L REDDICK 31,808.96 28,985.00 579.18 29,564.18 6,584.55 22,979.63
1915057 MICHAEL D EDGE 27,018.30 25,500.00 365.28 25,865.28 6,480.00 19,385.28
1915784 KISHEA R DAVIS 16,656.58 17,300.00 0.00 17,300.00 6,234.00 11,066.00
1917533 ANTONIO D VAIL 33,208.52 33,400.00 0.00 33,400.00 6,717.00 26,683.00
1919695 JIMMY A KENNINGTON 60,261.02 61,250.00 3,535.91 64,785.91 11,862.50 52,923.41
1923705 DANIEL H PARKERSON JR 15,194.05 7,000.00 0.00 7,000.00 1,100.00 5,900.00
1936335 ERIC J MCCULLERS 39,002.55 36,400.00 444.22 36,844.22 6,807.00 30,037.22
1937044 ARTHUR W HOPKINS 39,507.39 32,400.00 2,040.86 34,440.86 6,687.00 27,753.86
1937101 TYRONE W FORTUNE 17,212.71 16,900.00 0.00 16,900.00 6,222.00 10,678.00
1938273 MICHELE A BRUNETTE 18,171.40 13,900.00 1,628.18 15,528.18 6,132.00 9,396.18
1939651 BOBBY FARMER 21,106.24 24,900.00 45.27 24,945.27 6,462.00 18,483.27
1940659 MICHAEL B COLLEY 28,818.71 27,800.00 471.72 28,271.72 6,549.00 21,722.72
1941079 FROYLAN D CHAVEZ 54,728.57 52,150.00 0.00 52,150.00 11,589.50 40,560.50
1943364 TINA M SHERINGTON 27,738.92 25,500.00 1,878.25 27,378.25 6,480.00 20,898.25
1943372 BILL A WARSINSKE 35,938.39 35,400.00 1,292.08 36,692.08 6,777.00 29,915.08
1960327 MELISSA L LOVING 21,519.52 20,000.00 1,208.24 21,208.24 1,100.00 20,108.24
1964550 LINDA ROCHA 39,885.64 44,150.00 0.00 44,150.00 11,349.50 32,800.50
1966076 SHARNIQUE WHITAKER 18,676.57 19,226.07 0.00 19,226.07 1,100.00 18,126.07
1967140 NIKOLE L WHITE 24,991.57 28,350.00 407.70 28,757.70 6,565.50 22,192.20
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
---------------------------------------------------------------------------------------------------
1,239,058.65 1,147,911.07 25,430.72 1,173,341.79 258,605.55 914,736.24
===================================================================================================
Net Current
Account Customer Unrecov. FHA Insurance Pass Thru Period Net Cumulative
Number Name Advances Coverage Proceeds Gain/(Loss) Gain/(Loss)
------------------------------------------------------------------------------------------------------------
1872290 BRIAN C HOWELL 4,726.83 0.00 33,376.35 (21,678.88)
1911536 RENEE K SHELTON 2,503.62 0.00 38,322.34 (19,010.44)
1913557 LINDA S DUNCAN 2,596.47 0.00 37,464.61 (13,369.71)
1913771 BONITA K SCHROEDER 3,359.82 0.00 35,754.45 (15,961.51)
1922061 CHAD M THURMAN 4,903.42 0.00 46,878.80 (27,542.35)
1115997 JAMES W SANDLIN 9,623.70 0.00 33,161.30 (31,918.09)
1562487 RUBEN ALVAREZ 2,632.00 0.00 19,201.00 (9,348.05)
1835545 ALTON C MEDLIN 1,990.96 0.00 15,577.24 (11,216.53)
1836816 NATHAN S CARROLL 2,331.90 0.00 24,551.28 (11,349.86)
1841139 CHRISTINA L CALDWELL 929.65 0.00 3,970.35 (19,457.19)
1845890 BETH A CRAIG 4,010.61 0.00 17,337.39 (10,594.26)
1865039 STEVEN G BENNETT 2,230.60 0.00 19,084.76 (7,234.85)
1870849 JAMES R PERSON 3,713.51 0.00 31,608.99 (12,565.68)
1872977 ANIBAL CHAPA 2,811.51 0.00 22,713.99 (12,413.48)
1907534 MICHEAL T GREEN 1,660.03 0.00 15,807.97 (5,463.39)
1908128 JOHN M CRUM 2,569.08 0.00 23,991.88 (7,334.07)
1912120 ANGEL RAMIREZ 3,078.40 0.00 (1,347.98) (13,699.98)
1914464 TAWANNA L REDDICK 6,291.71 0.00 16,687.92 (15,121.04)
1915057 MICHAEL D EDGE 2,519.34 0.00 16,865.94 (10,152.36)
1915784 KISHEA R DAVIS 4,499.97 0.00 6,566.03 (10,090.55)
1917533 ANTONIO D VAIL 2,686.72 0.00 23,996.28 (9,212.24)
1919695 JIMMY A KENNINGTON 4,555.94 0.00 48,367.47 (11,893.55)
1923705 DANIEL H PARKERSON JR 1,800.87 0.00 4,099.13 (11,094.92)
1936335 ERIC J MCCULLERS 4,680.32 0.00 25,356.90 (13,645.65)
1937044 ARTHUR W HOPKINS 2,577.22 0.00 25,176.64 (14,330.75)
1937101 TYRONE W FORTUNE 2,003.06 0.00 8,674.94 (8,537.77)
1938273 MICHELE A BRUNETTE 1,862.99 0.00 7,533.19 (10,638.21)
1939651 BOBBY FARMER 3,456.07 0.00 15,027.20 (6,079.04)
1940659 MICHAEL B COLLEY 5,235.07 0.00 16,487.65 (12,331.06)
1941079 FROYLAN D CHAVEZ 5,981.43 0.00 34,579.07 (20,149.50)
1943364 TINA M SHERINGTON 4,842.63 0.00 16,055.62 (11,683.30)
1943372 BILL A WARSINSKE 3,567.82 0.00 26,347.26 (9,591.13)
1960327 MELISSA L LOVING 2,617.36 0.00 17,490.88 (4,028.64)
1964550 LINDA ROCHA 6,325.29 0.00 26,475.21 (13,410.43)
1966076 SHARNIQUE WHITAKER 1,985.72 0.00 16,140.35 (2,536.22)
1967140 NIKOLE L WHITE 4,264.58 0.00 17,927.62 (7,063.95)
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
-------------------------------------------------------------------------------
127,426.22 0.00 787,310.02 (451,748.63) (2,993,640.14)
===============================================================================
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C>
OAKWOOD MORTGAGE INVESTORS, INC. 1999-C REPORT DATE: September 8, 2000
OAKWOOD ACCEPTANCE CORP. - SERVICER POOL REPORT #15
REMITTANCE REPORT
REPORTING MONTH: Aug-00 Page 5 of 6
CERTIFICATE PRINCIPAL ANALYSIS
PRINCIPAL
Original Beginning Beginning Principal Current Current
Cert. Certificate Certificate Shortfall Carry- Principal Principal
Class Balances Balances Over Due Paid
----------------------------------------------------------------------------------------------------------------------------------
Senior Certificates
A-1 72,200,000.00 35,787,261.27 0.00 2,084,616.71 2,084,616.71
A-2 174,270,000.00 174,270,000.00 0.00 0.00 0.00
-----------------------------------------------------------------------------------------
Total Certificate Principal Bal. 246,470,000.00 210,057,261.27 0.00 2,084,616.71 2,084,616.71
=========================================================================================
Ending Principal Ending Principal Paid
Cert. Shortfall Carry- Certificate Pool Per $1,000
Class Over Balances Factor Denomination
---------------------------------------------------------------------------------------------------------
Senior Certificates
A-1 0.00 33,702,644.56 46.67956% 28.872808
A-2 0.00 174,270,000.00 100.00000% 0.000000
--------------------------------
Total Certificate Principal Bal. 0.00 207,972,644.56
=================================================================
Original Beginning Beginning Principal Current Current
Subordinate Certificates Certificate Certificate Shortfall Carry- Principal Principal
Balances Balances Over Due Paid
------------------------------------------------------------------------------------------
M-1 20,808,000.00 20,808,000.00 0.00 0.00 0.00
M-1 Outstanding Writedown 0.00 0.00
M-2 16,004,000.00 16,004,000.00 0.00 0.00 0.00
M-1 Outstanding Writedown 0.00 0.00
B-1 16,004,000.00 16,004,000.00 0.00 0.00 0.00
B-1 Outstanding Writedown 0.00 0.00
B-2 20,807,916.00 20,807,916.00 0.00 0.00 0.00
B-2 Outstanding Writedown 0.00 0.00
------------------------------------------------------------------------------------------
Total Excluding Writedown Bal. 73,623,916.00 73,623,916.00 0.00 0.00 0.00
==========================================================================================
All Certificates Excluding Writedown Bal. 320,093,916.00 283,681,177.27 0.00 2,084,616.71 2,084,616.71
==========================================================================================
Ending Principal Current Ending Principal Paid
Subordinate Certificates Shortfall Carry- Writedown/ Certificate Pool Per $1,000
Over (Writeup) Balances Factor Denomination
---------------------------------------------------------------------------------
M-1 0.00 0.00 20,808,000.00 100.00000% 0.000000
M-1 Outstanding Writedown 0.00
M-2 0.00 0.00 16,004,000.00 100.00000% 0.000000
M-1 Outstanding Writedown 0.00
B-1 0.00 0.00 16,004,000.00 100.00000% 0.000000
B-1 Outstanding Writedown 0.00
B-2 0.00 0.00 20,807,916.00 100.00000% 0.000000
B-2 Outstanding Writedown 0.00
--------------------------------------------------
Total Excluding Writedown Bal. 0.00 0.00 73,623,916.00
==================================================
All Certificates Excluding Writedown Bal. 0.00 0.00 281,596,560.56
==================================================
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C>
OAKWOOD MORTGAGE INVESTORS, INC. 1999-C REPORT DATE: September 8, 2000
OAKWOOD ACCEPTANCE CORP. - SERVICER POOL REPORT # 15
REMITTANCE REPORT
REPORTING MONTH: Aug-00 Page 6 of 6
CERTIFICATE INTEREST ANALYSIS
Beginning Carry- Current Carry-
Senior Pass-Through Over Priority Current Priority Over Priority Ending Carry-
Certificates Rate Interest Balance Interest Accrual Interest Accrual Paid Over Balance
-----------------------------------------------------------------------------------------------------------
A-1 6.79875% 0.00 209,515.78 0.00 209,515.78 0.00
A-2 7.47500% 0.00 1,085,556.88 0.00 1,085,556.88 0.00
---------------------------------------------------------------------------------------------
Total 0.00 1,295,072.66 0.00 1,295,072.66 0.00
=============================================================================================
Interest Paid
Senior Pass-Through Per $1,000 Total Class
Certificates Rate Denomination Distribution
----------------------------------------------
A-1 6.79875% 2.90188 2,294,132.49
A-2 7.47500% 6.22917 1,085,556.88
--------------
Total 3,379,689.37
==============
Beginning Carry- Current Carry- Priority Ending Carry-
Subordinate Pass-Through Over Priority Current Priority Over Priority Interest Over Priority
Certificates Rate Interest Balance Interest Accrual Interest Accrual Paid Interest Balance
-----------------------------------------------------------------------------------------------------------------
M-1 8.07000% 0.00 139,933.80 0.00 139,933.80 0.00
M-2 8.75000% 0.00 116,695.83 0.00 116,695.83 0.00
B-1 6.90000% 0.00 92,023.00 0.00 92,023.00 0.00
B-2 6.90000% 0.00 119,645.52 0.00 119,645.52 0.00
Limited Guarantee 0.00
Service Fee 0.00 236,400.98 0.00 236,400.98 0.00
X 2,541,891.51 474,485.08 0.00 22,736.45 2,993,640.14
R 0.00 0.00 0.00 0.00 0.00
------------------------------------------------------------------------------------------------
Total 2,541,891.51 1,179,184.21 0.00 727,435.58 2,993,640.14
================================================================================================
All Certificates 2,541,891.51 2,474,256.87 0.00 2,022,508.24 2,993,640.14
================================================================================================
Beginning Carry Current Writedown Current Carry- Ending Carry-
Subordinate Pass-Through Over Writedown Interest Over Writedown Writedown Over Writedown
Certificates Rate Interest Balance Accrued Interest Accrued Interest Paid Interest Balance
-----------------------------------------------------------------------------------------------------------------
M-1 8.07000% 0.00 0.00 0.00 0.00 0.00
M-2 8.75000% 0.00 0.00 0.00 0.00 0.00
B-1 6.90000% 0.00 0.00 0.00 0.00 0.00
B-2 6.90000% 0.00 0.00 0.00 0.00 0.00
Limited Guarantee
Service Fee
X
R
--------------------------------------------------------------------------------------------
Total 0.00 0.00 0.00 0.00 0.00
============================================================================================
All Certificates 0.00 0.00 0.00 0.00 0.00
============================================================================================
Interest Paid
Subordinate Pass-Through Per $1,000 Total Class
Certificates Rate Denomination Distribution
-----------------------------------------------
M-1 8.07000% 6.72500 139,933.80
M-2 8.75000% 7.29167 116,695.83
B-1 6.90000% 5.75000 92,023.00
B-2 6.90000% 5.75000 119,645.52
Limited Guarantee 0.00
Service Fee 236,400.98
X 22,736.45
R 0.00
--------------
Total 727,435.58
==============
All Certificates 4,107,124.95
==============
</TABLE>