MORGAN STANLEY CAPITAL I INC. ABS-15G

Exhibit 99.3 Schedule 3

 

 

Loan ID Seller Loan ID Redaction ID Transaction ID Field Name Source Verified Value Bid Tape Value Comment
XXXX XXXX 8985894 XXXX Prepayment Penalty Total Term notePage 60 NA per Note 
XXXX XXXX 8985894 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per settlement Statement. 
XXXX XXXX 9067338 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per CD
XXXX XXXX 9067338 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 2652.77 2594.77 Tape does not include HOA fee
XXXX XXXX 9067367 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX per cd
XXXX XXXX 9067367 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 2002.93 1990.44 tape doesn't include HOA fee of $12.50/mo
XXXX XXXX 9067362 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 1674.27 1399.27 tape doesn't include hoa of $275/mo
XXXX XXXX 9067405 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per settlement statement
XXXX XXXX 9056932 XXXX Property Type propertyValuationPage Single Family Attached Single Family Detached per appraisal report
XXXX XXXX 9056932 XXXX Calculated DSCR diligenceFinalLookPage 1.207 1.1 Lender used lower market rent
XXXX XXXX 9067429 XXXX Qualifying FICO creditLiabilitiesPage 727 724 Per Credit report
XXXX XXXX 9067436 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX As per Settlement Statement 
XXXX XXXX 9069524 XXXX Lender Name notePage XXXX XXXX Per Note
XXXX XXXX 9069524 XXXX Qualifying FICO creditLiabilitiesPage 770 702 Per credit report
XXXX XXXX 9069521 XXXX Property Type propertyValuationPage Townhouse PUD Per appraisal 
XXXX XXXX 9069518 XXXX Calculated DSCR diligenceFinalLookPage 0.909 0.89 Audit matches lender calculation worksheet
XXXX XXXX 9101414 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per Final Settlement Statement 
XXXX XXXX 9076135 XXXX Calculated DSCR diligenceFinalLookPage 1.067 1.4029 Audit matches Lender’s DSCR Calculation 
XXXX XXXX 9081723 XXXX Property Type propertyValuationPage Townhouse PUD Per appraisal
XXXX XXXX 9081723 XXXX Calculated DSCR diligenceFinalLookPage 1.276 1.0 Audit matches Lender’s DSCR Calculation 
XXXX XXXX 9069523 XXXX Term notePage 360 120 per Note
XXXX XXXX 9081724 XXXX Property Type propertyValuationPage Townhouse PUD Per Appraisal 
XXXX XXXX 9081724 XXXX Calculated DSCR diligenceFinalLookPage 1.276 1.0 Per audit & matches lender
XXXX XXXX 9081754 XXXX Property Type propertyValuationPage Townhouse PUD per appraisal report
XXXX XXXX 9081754 XXXX Calculated DSCR diligenceFinalLookPage 1.276 1.0 audit DSCR match with Lender calculation worksheet
XXXX XXXX 9081744 XXXX Property Type propertyValuationPage Townhouse PUD per appraisal  report
XXXX XXXX 9081744 XXXX Calculated DSCR diligenceFinalLookPage 1.268 1.0 audit DSCR match with lender calculation worksheet
XXXX XXXX 9104753 XXXX Prepayment Penalty Total Term notePage 36 NA per Note
XXXX XXXX 9104753 XXXX Qualifying Total Reserves Number of Months assetPage 74.5 6.00 retirement assets + cashout proceeds
XXXX XXXX 9104753 XXXX Calculated DSCR diligenceFinalLookPage 1.218 1.0335  Audit used 1007 rents.  Lender used rents source unknown 
XXXX XXXX 9101411 XXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage 450041.9 -461754.96 Per HUD
XXXX XXXX 9101449 XXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage 2209.98 -28209.98 per cd
XXXX XXXX 9101449 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX per cd
XXXX XXXX 9081743 XXXX Property Type propertyValuationPage PUD Single Family Detached per title and appraisal report
XXXX XXXX 9081743 XXXX Calculated DSCR diligenceFinalLookPage 1.462 1.0 Matches DSCR calc. 
XXXX XXXX 9081709 XXXX Calculated DSCR diligenceFinalLookPage 1.106 1.13 Audit difference is school and Town Taxes were not included 
XXXX XXXX 9081721 XXXX Calculated DSCR diligenceFinalLookPage 0.898 0.91  In line with Lender’s DSCR Calculation of .0895, Lender used higher unverified taxes.
XXXX XXXX 9104793 XXXX Prepayment Penalty Total Term notePage 12 NA Per Note and lender confirmation.
XXXX XXXX 9104793 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX per settlement
XXXX XXXX 9104793 XXXX Qualifying Total Reserves Number of Months assetPage 5.79 1.00 Per assets in file
XXXX XXXX 9091828 XXXX Calculated DSCR diligenceFinalLookPage 0.863 0.89 Reviewed value is the same as the lenders value.
XXXX XXXX 9091823 XXXX Qualifying LTV propertyValuationPage 65.0 64.00 Per 1008
XXXX XXXX 9091812 XXXX Calculated DSCR diligenceFinalLookPage 0.883 0.856 Variance is due to the calculation of taxes and HOA
XXXX XXXX 9081733 XXXX Property Type propertyValuationPage PUD Single Family Detached Per title
XXXX XXXX 9111449 XXXX Qualifying LTV propertyValuationPage 58.33 59.00 Per 1008
XXXX XXXX 9081701 XXXX Calculated DSCR diligenceFinalLookPage 1.182 1.0 Audit matches DSCR worksheet
XXXX XXXX 9111442 XXXX Calculated DSCR diligenceFinalLookPage 1.502 1.2 Audit matches Lender DSCR Calc on 1008  
XXXX XXXX 9100943 XXXX Qualifying FICO creditLiabilitiesPage 779 764 Per cbr
XXXX XXXX 9111427 XXXX Qualifying FICO creditLiabilitiesPage 784 750 Per Credit Report
XXXX XXXX 9111427 XXXX Calculated DSCR diligenceFinalLookPage 1.149 1.0 Reviewed value is the same as the lenders calculated value.
XXXX XXXX 9091803 XXXX Calculated DSCR diligenceFinalLookPage 0.915 0.8 Audit matches Lender DSCR Calc exactly.
XXXX XXXX 9111432 XXXX Calculated DSCR diligenceFinalLookPage 0.881 1.0 Market Rent/PITIA.
XXXX XXXX 9100937 XXXX Calculated DSCR diligenceFinalLookPage 0.992 1.13 Audit matches Lender DSCR Calculation.
XXXX XXXX 9119058 XXXX Calculated DSCR diligenceFinalLookPage 1.042 1.03 Matches DSCR calculation in file
XXXX XXXX 9081732 XXXX Qualifying FICO creditLiabilitiesPage 720 703 Matches 1008
XXXX XXXX 9081717 XXXX Property Type propertyValuationPage Single Family Attached Single Family Detached Per Appraisal
XXXX XXXX 9081729 XXXX Property Type propertyValuationPage Single Family Attached Single Family Detached Attached per appraisal.
XXXX XXXX 9081750 XXXX Property Type propertyValuationPage Single Family Attached Single Family Detached Per appraisal
XXXX XXXX 9125161 XXXX Loan Amount notePage 160000 159200.00 Per Note.  Incorrect tape received.  
XXXX XXXX 9119054 XXXX Calculated DSCR diligenceFinalLookPage 1.015 1.0 Lenders DSCR differ in Taxes/Ins and HOA amounts 
XXXX XXXX 9119055 XXXX Calculated DSCR diligenceFinalLookPage 1.027 1.0 In line with lender DSCR calc
XXXX XXXX 9119043 XXXX Calculated DSCR diligenceFinalLookPage 1.051 1.25 Audit matches with Lender 1008
XXXX XXXX 9119039 XXXX Calculated DSCR diligenceFinalLookPage 0.879 0.94 Audit matches with Lender Calculation
XXXX XXXX 9119040 XXXX Property Type propertyValuationPage PUD Single Family Detached Per title
XXXX XXXX 9119040 XXXX Calculated DSCR diligenceFinalLookPage 0.843 0.95 Audit matches with Lender Calculation
XXXX XXXX 9125135 XXXX Term notePage 360 120 Per Note
XXXX XXXX 9125135 XXXX Calculated DSCR diligenceFinalLookPage 1.393 1.26 Audit matches with Lender Calculation
XXXX XXXX 9125129 XXXX Property Type propertyValuationPage Condominium Single Family Detached Per appraisal
XXXX XXXX 9130199 XXXX Borrower 1 Last Name notePage Hang Dao Per note
XXXX XXXX 9158442 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per HUD
XXXX XXXX 9158442 XXXX Calculated DSCR diligenceFinalLookPage 1.006 1.0035 Variance due to Lender using incorrect HO6
XXXX XXXX 9156981 XXXX Calculated DSCR diligenceFinalLookPage 0.803 0.825 Audit matches with Lender Calculation 
XXXX XXXX 9158370 XXXX Primary Appraised Property Value propertyValuationPage 860000 699000.00 Per appraisal
XXXX XXXX 9158370 XXXX Qualifying Total Reserves Number of Months assetPage 106.93 0.00 cashout proceeds
XXXX XXXX 9158509 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per settlement stmt
XXXX XXXX 9137771 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX unable to locate document w/ funds release date
XXXX XXXX 9137771 XXXX Qualifying Total Reserves Number of Months assetPage 20.92 6.00 from cashout proceeds
XXXX XXXX 9158388 XXXX Number of Units propertyValuationPage 4 2 Per appraisal
XXXX XXXX 9137738 XXXX Property Type propertyValuationPage Single Family Attached Single Family Detached Per appraisal
XXXX XXXX 9137738 XXXX Qualifying Total Reserves Number of Months assetPage 11.55 6.00 verified from the cash out.
XXXX XXXX 9158512 XXXX Qualifying Total Reserves Number of Months assetPage 80.54 6.00 cashout proceeds
XXXX XXXX 9158500 XXXX Property Type propertyValuationPage Single Family Attached Single Family Detached Per appraisal