<TABLE>
<CAPTION>
OAKWOOD MORTGAGE INVESTORS, INC. 1999-D
OAKWOOD ACCEPTANCE CORP. - SERVICER
REMITTANCE REPORT
REPORTING MONTH: July-00
Scheduled Principal Balance of Contracts
------------------------------------------------------------------------------------------------------------------------------------
Beginning Ending
Principal Scheduled Prepaid Liquidated Contracts Principal
Balance Principal Principal Principal Repurchased Balance
------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C>
272,662,427.67 (298,889.85) (343,643.35) (531,868.93) 0.00 271,488,025.54
====================================================================================================================================
<CAPTION>
Scheduled Scheduled Amount
Gross Servicing Pass Thru Liquidation Available for
Interest Fee Interest Proceeds Distribution
------------------------------------------------------------------------------------------------------------
<C> <C> <C> <C> <C>
2,240,868.53 227,218.69 2,013,649.84 367,895.84 3,251,297.57
============================================================================================================
</TABLE>
<TABLE>
<CAPTION>
Certificate Account
------------------------------------------------------------------------------------------------------------------------------------
Beginning Deposits Investment Ending
Balance Principal Interest Distributions Interest Balance
------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C>
828,472.11 1,170,653.92 2,179,876.21 (4,085,698.34) 2,932.59 96,236.49
====================================================================================================================================
<CAPTION>
P&I Advances at Distribution Date
--------------------------------------------------------------------------------------
Beginning Recovered Current Ending
Balance Advances Advances Balance
--------------------------------------------------------------------------------------
<S> <C> <C> <C>
2,256,838.50 (2,038,961.49) 1,424,131.61 1,642,008.62
======================================================================================
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
OAKWOOD MORTGAGE INVESTORS, INC. 1999-D
OAKWOOD ACCEPTANCE CORP. - SERVICER
REMITTANCE REPORT
REPORTING MONTH: July-00
Class B Crossover Test Test Met?
----------------------------------------------------------------------------------------- ---------------
<S> <C>
(a) Remittance date on or after March 2004 N
(b) Average 60 day Delinquency rate <= 5.5% Y
(d) Cumulative losses do not exceed the following
percent of the intitial principal balance of all Certificates
MAR 2004 - AUG 2005 7% N
SEP 2005 - AUG 2006 8% N
SEP 2006 - FEB 2008 9.5% N
10.5 THEREAFTER 10.5% N
(e) Current realized loss ratio <= 3.00% Y
(f) Does subordinated cert. percentage equal or
exceed 46.375%
of stated scheduled pool balance
Beginning M balances 36,270,000.00
Beginning B balances 33,248,000.00
Overcollateralization 13,601,000.00
---------------------
83,119,000.00
Divided by beginning pool
balance 272,662,427.67
---------------------
30.484% N
=====================
<CAPTION>
Average 60 day delinquency ratio:
Over 60s Pool Balance %
------------------------------------------------------------
Current Mo 13,575,479.75 271,488,025.54 5.00%
1st Preceding Mo 11,727,710.27 272,662,427.67 4.30%
2nd Preceding Mo 10,544,085.38 274,547,731.43 3.84%
Divided by 3
---------------
4.38%
===============
Cumulative loss ratio:
Cumulative losses 1,145,890.97
------------------------
Divided by Initial Certificate Principal 302,250,407.75 0.379%
===============
Current realized loss ratio:
Liquidation Pool
Losses Balance
---------------------------------------------
Current Mo 163,973.09 272,662,427.67
1st Preceding Mo 262,748.72 274,547,731.43
2nd Preceding Mo 189,496.87 275,942,541.51
---------------------------------------------
616,218.68 274,384,233.54 0.898%
===============
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
OAKWOOD MORTGAGE INVESTORS, INC. 1999-D
OAKWOOD ACCEPTANCE CORP. - SERVICER
REMITTANCE REPORT
REPORTING MONTH: July-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
--------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Non Repos 5,667 264,613,604.30 146 5,601,612.63 59 2,441,878.67 93 4,325,430.97 298 12,368,922.27
Repos 169 6,874,421.24 1 33,250.86 14 511,028.96 153 6,297,141.15 168 6,841,420.97
--------------------------------------------------------------------------------------------------------------------------
Total 5,836 271,488,025.54 147 5,634,863.49 73 2,952,907.63 246 10,622,572.12 466 19,210,343.24
==========================================================================================================================
0.00
8.0% 7.08%
======================
<CAPTION>
Repossession Analysis
Active Repos Reversal Current Month
Outstanding (Redemption) Repos Cumulative Repos
Principal Principal Principal Principal
# Balance # Balance # Balance # Balance
-------------------------------------------------------------------------------------------------------------
Non Repos 169 6,874,421.24 -1 (29,114.63) 40 1,551,740.44 275 10,426,767.90
Repos
Total
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
OAKWOOD MORTGAGE INVESTORS, INC. 1999-D
OAKWOOD ACCEPTANCE CORP. - SERVICER
REMITTANCE REPORT
REPORTING MONTH: July-00
REPOSSESSION LIQUIDATION REPORT
Liquidated
Account Customer Principal Sales Insur. Total Repossession
Number Name Balance Proceeds Refunds Proceeds Expenses
------------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C>
1958594 ERNIE ARROYOS 29,703.18 27,900.00 2,357.67 30,257.67 6,687.00
1961663 GARY D DOBZENSKI 29,030.65 27,900.00 0.00 27,900.00 6,687.00
1965433 ROMAN MORA 22,513.33 22,500.00 392.64 22,892.64 6,525.00
1966282 PAMELA D MUNNERLYN 39,102.22 35,500.00 1,011.96 36,511.96 6,915.00
1969153 GARY R STAFFORD 26,149.82 26,500.00 1,908.26 28,408.26 6,645.00
1976596 DANA B BUFF 36,766.44 34,000.00 0.00 34,000.00 6,870.00
1995893 KIM M THOMISON 33,735.64 33,400.00 1,203.12 34,603.12 6,852.00
2004349 CAROLYN S CLAYTON 37,294.89 33,400.00 3,206.70 36,606.70 6,852.00
2014488 CHARLES KINGREY 24,351.31 24,400.00 1,464.06 25,864.06 6,582.00
2024081 THOMAS C FARMER 23,549.69 19,900.00 75.03 19,975.03 6,447.00
2026375 TENNIS L PERRY 44,711.01 41,000.00 1,199.52 42,199.52 10,845.00
2026607 THOMAS ELLIOT 23,445.65 24,900.00 196.41 25,096.41 6,597.00
2029247 JAMIE L MCLEMORE 30,546.24 41,000.00 107.54 41,107.54 7,080.00
2001386 JAN L FRY 33,710.37 32,900.00 1,482.90 34,382.90 6,837.00
2009470 EMMA RODRIGUEZ 72,271.87 64,150.00 2,768.33 66,918.33 11,539.50
2010007 RACHEL ARNOLD 24,986.62 26,600.00 334.76 26,934.76 6,648.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
----------------------------------------------------------------------------------------
531,868.93 515,950.00 17,708.90 533,658.90 116,608.50
========================================================================================
<CAPTION>
Net Net Current
Account Liquidation Unrecov. Pass Thru Period Net Cumulative
Number Proceeds Advances FHA Ins Proceeds Gain/(Loss) Gain/(Loss)
-----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C>
1958594 23,570.67 4,194.62 0.00 19,376.05 (10,327.13)
1961663 21,213.00 3,780.95 0.00 17,432.05 (11,598.60)
1965433 16,367.64 2,481.33 0.00 13,886.31 (8,627.02)
1966282 29,596.96 4,071.95 0.00 25,525.01 (13,577.21)
1969153 21,763.26 3,209.06 0.00 18,554.20 (7,595.62)
1976596 27,130.00 2,569.12 0.00 24,560.88 (12,205.56)
1995893 27,751.12 3,606.14 0.00 24,144.98 (9,590.66)
2004349 29,754.70 3,030.64 0.00 26,724.06 (10,570.83)
2014488 19,282.06 2,476.45 0.00 16,805.61 (7,545.70)
2024081 13,528.03 2,704.43 0.00 10,823.60 (12,726.09)
2026375 31,354.52 2,134.37 0.00 29,220.15 (15,490.86)
2026607 18,499.41 2,143.29 0.00 16,356.12 (7,089.53)
2029247 34,027.54 2,447.91 0.00 31,579.63 1,033.39
2001386 27,545.90 2,622.06 0.00 24,923.84 (8,786.53)
2009470 55,378.83 2,866.13 0.00 52,512.70 (19,759.17)
2010007 20,286.76 4,816.11 0.00 15,470.65 (9,515.97)
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
----------------------------------------------------------------------------------------------
417,050.40 49,154.56 0.00 367,895.84 (163,973.09) (1,145,890.97)
=================================================================================================================
0.00
==============
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
OAKWOOD MORTGAGE INVESTORS, INC. 1999-D
OAKWOOD ACCEPTANCE CORP. - SERVICER
REMITTANCE REPORT
REPORTING MONTH: July-00
CERTIFICATE PRINCIPAL ANALYSIS
PRINCIPAL
Beginning Beginning
Senior Original Certificate Certificate Principal Shortfall Current Principal Current
Certificates Balance Balance Carry-Over Due Principal Paid
<S> <C> <C> <C> <C> <C>
A-1 226,687,000.00 195,500,827.55 0.00 1,174,402.13 1,174,402.13
--------------------------------------------------------------------------------- --------------
Total Certificate Principal Bal. 226,687,000.00 195,500,827.55 0.00 1,174,402.13 1,174,402.13
================================================================================= ==============
Beginning Beginning
Subordinate Original Certificate Certificate Principal Shortfall Current Principal Current
Certificates Balance Balance Carry-Over Due Principal Paid
M-1 22,669,000.00 22,669,000.00 0.00 0.00 0.00
M-1 Outstanding Writedown 0.00
M-2 13,601,000.00 13,601,000.00 0.00 0.00 0.00
M-2 Outstanding Writedown 0.00
B-1 16,624,000.00 16,624,000.00 0.00 0.00 0.00
B-1 Outstanding Writedown 0.00
B-2 16,624,000.00 16,624,000.00 0.00 0.00 0.00
B-2 Outstanding Writedown 0.00
Excess Asset Principal Balance 6,045,407.75 7,643,600.12
--------------------------------------------------------------------------------- --------------
Total Excluding Writedown
Balances 75,563,407.75 77,161,600.12 0.00 0.00 0.00
================================================================================= ==============
All Certificates Excluding
Writedown Balances 302,250,407.75 272,662,427.67 0.00 1,174,402.13 1,174,402.13
================================================================================= ==============
<CAPTION>
Ending Principal Principal Ending Principal Paid
Senior Shortfall Carry- Distribution Certificate Per $1,000
Certificates Over Amount Balance Pool Factor Denomination
<S> <C> <C> <C> <C> <C>
A-1 0.00 118,456.31 194,207,969.11 85.67230% 5.70328
------------------------------------------------
Total Certificate Principal
Bal. 0.00 118,456.31 194,207,969.11
================================================
Accelerated
Ending Principal Current Principal Ending Principal Paid
Subordinate Shortfall Carry- Writedown/ Distribution Certificate Per $1,000
Certificates Over (Writeup) Amount Balance Pool Factor Denomination
M-1 0.00 0.00 22,669,000.00 100.00000% 0.00000
M-1 Outstanding Writedown 0.00 0.00
M-2 0.00 0.00 13,601,000.00 100.00000% 0.00000
M-2 Outstanding Writedown 0.00 0.00
B-1 0.00 0.00 16,624,000.00 100.00000% 0.00000
B-1 Outstanding Writedown 0.00 0.00
B-2 0.00 0.00 16,624,000.00 100.00000% 0.00000
B-2 Outstanding Writedown 0.00 0.00
Excess Asset Principal Balance (118,456.31) 7,762,056.43
--------------------------------------------------------------------
Total Excluding Writedown
Balances 0.00 0.00 (118,456.31) 77,280,056.43
====================================================================
All Certificates Excluding
Writedown Balances 0.00 0.00 0.00 271,488,025.54
====================================================================
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
OAKWOOD MORTGAGE INVESTORS, INC. 1999-D
OAKWOOD ACCEPTANCE CORP. - SERVICER
REMITTANCE REPORT
REPORT MONTH: July-00
CERTIFICATE INTEREST ANALYSIS
Current Interest
Pass Beginning Carry- Carry-Over Ending Paid Per
Senior Through Over Priority Current Priority Priority Interest Carry-Over $1,000 Total Class
Certificates Rate Interest Balance Interest Accrual Accrual Paid Balance Denom. Distribution
<S> <C> <C> <C> <C> <C> <C> <C> <C>
A-1 7.8400% 0.00 1,277,272.07 0.00 1,277,272.07 0.00 5.63452 2,570,130.51
-------------------------------------------------------------------------------- --------------
Total 0.00 1,277,272.07 0.00 1,277,272.07 0.00 2,570,130.51
================================================================================ ==============
</TABLE>
<TABLE>
<CAPTION>
Current Ending Beg.
Pass Beginning Carry- Carry-Over Priority Carry-Over Carry-Over
Subordinate Through Over Priority Current Priority Priority Interest Interest Priority Interest Shortfall
Certificates Rate Interest Balance Interest Accured Accured Paid Balance Int. Balance
<S> <C> <C> <C> <C> <C> <C>
M-1 8.0000% 0.00 151,126.67 0.00 151,126.67 0.00
M-2 9.1900% 0.00 100,420.72 0.00 100,420.72 0.00 0.00
B-1 7.0000% 0.00 96,973.33 0.00 96,973.33 0.00
B-2 6.0000% 0.00 83,120.00 0.00 83,120.00 0.00
X 2,561,542.87 300,996.78 0.00 0.00 2,862,539.65
R 0.00 0.00 0.00 0.00 0.00
Service Fee 1.0000% 18,567.38 227,218.69 0.00 245,786.07 0.00
------------------------------------------------------------------------------------------------------------------
Total 2,580,110.25 959,856.19 0.00 677,426.79 2,862,539.65 0.00
==================================================================================================================
All Certificates 2,580,110.25 2,237,128.26 0.00 1,954,698.86 2,862,539.65 0.00
==================================================================================================================
<CAPTION>
Current Current Ending Beg. Current
Shortfall Carry-Over Shortfall Carry-Over Carry-Over Writedown
Subordinate Interest Shortfall Interest Shortfall Writedown Interest
Certificates Accrued Int. Accrued Paid Int. Balance Int. Balance Accrued
<S> <C> <C>
M-1 0.00 0.00
M-2 3,740.27 0.00 3,740.27 0.00 0.00 0.00
B-1 0.00 0.00
B-2 0.00 0.00
X
R
Service Fee
------------------------------------------------------------------------------------------------------------------
Total 3,740.27 0.00 3,740.27 0.00 0.00 0.00
==================================================================================================================
All Certificates 3,740.27 0.00 3,740.27 0.00 0.00 0.00
==================================================================================================================
<CAPTION>
Current Ending Interest
Carry-Over Carry-Over Paid Per Total
Subordinate Writedown Writedown Writedown $1,000 Class
Certificates Int. Accrued Interest Paid Int.Balance Denom. Distribution
<S> <C> <C> <C> <C> <C>
M-1 0.00 0.00 0.00 6.66667 151,126.67
M-2 0.00 0.00 0.00 7.38333 104,160.99
B-1 0.00 0.00 0.00 5.83333 96,973.33
B-2 0.00 0.00 0.00 5.00000 83,120.00
X 0.00
R 0.00
Service Fee 245,786.07
------------------------------------------------- --------------------
Total 0.00 0.00 0.00 681,167.06
================================================= ====================
All Certificates 0.00 0.00 0.00 3,251,297.57
================================================= ====================
Cumulative X Interest Shortfall 2,862,539.65
Cumulative Accelerated Prin. Disb. (1,716,648.68)
Cumulative Unpaid Service Fee 0.00
--------------------
--------------------
1,145,890.97
====================
</TABLE>