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 |