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 8442274 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX per settlement statement
XXXX XXXX 8442274 XXXX Qualifying Total Reserves Number of Months assetPage 8.28 7.00 Final CD cash to borrower.
XXXX XXXX 9056939 XXXX Refinance Type the1003Page NA No Cash Out - Borrower Initiated Purchase loan Per HUD1 and 1008
XXXX XXXX 9081738 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 6.32 0.17 Income came in lower and REOS most are business did not include in payments. 
XXXX XXXX 9081710 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 21.95 0.12 Variance due to Audit calc. lower income
XXXX XXXX 9111448 XXXX Lender Name notePage XXXX XXXX per Note
XXXX XXXX 9111448 XXXX Interest Rate notePage 6.875 6.7500 per Note
XXXX XXXX 9111448 XXXX Property Type propertyValuationPage PUD Single Family Detached per appraisal report
XXXX XXXX 9111448 XXXX Calculated DSCR diligenceFinalLookPage 1.984 2.07 audit matches with lender DSCR calc worksheet
XXXX XXXX 9100933 XXXX Calculated DSCR diligenceFinalLookPage 1.395 1.26 Variance due to lender using higher T&I
XXXX XXXX 9133979 XXXX Note Date notePage XXXX XXXX Per note
XXXX XXXX 9133862 XXXX Note Date notePage XXXX XXXX Per Note
XXXX XXXX 9100945 XXXX Term notePage 360 120 Per Note
XXXX XXXX 9100945 XXXX Note Date notePage XXXX XXXX Per Note
XXXX XXXX 9100945 XXXX Qualifying CLTV propertyValuationPage 80.0 75.00 loan amount/appraisal value
XXXX XXXX 9119032 XXXX Calculated DSCR diligenceFinalLookPage 1.351 1.496 Audit matches Lender's calculation
XXXX XXXX 9133970 XXXX Note Date notePage XXXX XXXX Per Note.
XXXX XXXX 9133970 XXXX Property Type propertyValuationPage Townhouse PUD Per appraisal, title
XXXX XXXX 9064763 XXXX Lender Name notePage XXXX XXXX Per Note 
XXXX XXXX 9133830 XXXX Application Date complianceDetailPage XXXX XXXX Per 1003 Initial
XXXX XXXX 9133830 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per Final CD
XXXX XXXX 9133830 XXXX Calculated DSCR diligenceFinalLookPage 1.322 1.395 Audit used 120% of lease rent.  Tape value based on market rent.
XXXX XXXX 9133944 XXXX Number of Units propertyValuationPage 6 5 6 unit multi family per appraisal
XXXX XXXX 9133944 XXXX Property Type propertyValuationPage 5-10 Unit Multi-Family Single Family Detached 6 unit multi family per appraisal
XXXX XXXX 9133944 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 0 20.45 DSCR Loan
XXXX XXXX 9133855 XXXX Note Date notePage XXXX XXXX Per Note
XXXX XXXX 9133855 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 0 795.30 DSCR loan 
XXXX XXXX 9133869 XXXX Note Date notePage XXXX XXXX Per Note
XXXX XXXX 9133869 XXXX Application Date complianceDetailPage XXXX XXXX Per initial 1003
XXXX XXXX 9133869 XXXX Is the Condo Project warrantable propertyValuationPage Yes No warrantable per approval and audit review
XXXX XXXX 9133869 XXXX Property Type propertyValuationPage Condominium High Rise Condominium Per appraisal
XXXX XXXX 9133869 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 0 2456.04 DSCR loan no DTI
XXXX XXXX 9119042 XXXX Lender Name notePage XXXX XXXX Per Note
XXXX XXXX 9119042 XXXX Property Type propertyValuationPage PUD Single Family Detached Per title
XXXX XXXX 9130225 XXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Per appraisal
XXXX XXXX 9133893 XXXX Note Date notePage XXXX XXXX Per Note
XXXX XXXX 9133893 XXXX Occupancy the1003Page Second Home OwnerOccupied Per loan approval
XXXX XXXX 9133893 XXXX Primary Appraised Property Value propertyValuationPage XXXX XXXX Per appraisal
XXXX XXXX 9134562 XXXX Lender Name notePage XXXX XXXX per Note
XXXX XXXX 9134562 XXXX Calculated DSCR diligenceFinalLookPage 0.965 1.0 Variance due to Lender using lower PITIA payment
XXXX XXXX 9100934 XXXX Property Type propertyValuationPage PUD Single Family Detached Per title
XXXX XXXX 9100934 XXXX Qualifying FICO creditLiabilitiesPage 793 809 Per Credit 
XXXX XXXX 9133964 XXXX Note Date notePage XXXX XXXX per Note
XXXX XXXX 9133964 XXXX Property Type propertyValuationPage 5-10 Unit Multi-Family Single Family Detached Per narrative appraisal report
XXXX XXXX 9130209 XXXX Loan Amount notePage 176250 XXXX Per Note
XXXX XXXX 9134600 XXXX Interest Rate notePage 7.625 7.4900 Per note
XXXX XXXX 9134600 XXXX Qualifying FICO creditLiabilitiesPage 711 736 Per loan approval
XXXX XXXX 9165597 XXXX Qualifying LTV propertyValuationPage 46.61 52.38 loan amount/appraisal value
XXXX XXXX 9165597 XXXX Primary Appraised Property Value propertyValuationPage 590000 XXXX Per appraisal
XXXX XXXX 9165597 XXXX Qualifying CLTV propertyValuationPage 46.61 52.38 loan amount/appraisal value
XXXX XXXX 9213160 XXXX Qualifying FICO creditLiabilitiesPage 786 780 Per credit report, mid score
XXXX XXXX 9165587 XXXX Borrower 1 SSN the1003Page 999999999 111111111  
XXXX XXXX 9165598 XXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage 0 XXXX Per Final CD
XXXX XXXX 9125150 XXXX Borrower 1 Last Name notePage XXXX XXXX Per Note
XXXX XXXX 9125150 XXXX Property Zip Code notePage 46201 XXXX Per Note 
XXXX XXXX 9125150 XXXX Interest Rate notePage 7.5 7.4900 Per Note
XXXX XXXX 9156973 XXXX Calculated DSCR diligenceFinalLookPage 1.121 1.3354 Variance due to Lender using higher hazard
XXXX XXXX 9162772 XXXX Final Reviewed QM Status diligenceFinalLookPage QM: Average Prime Offer Rate (APOR) ATR/QM: Exempt Owner occupied transaction
XXXX XXXX 9165706 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 11701.01 XXXX audit using HOA dues. 
XXXX XXXX 9130200 XXXX Calculated DSCR diligenceFinalLookPage 0.844 1.0 Audit matches with Lender Calculation 
XXXX XXXX 9165629 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX As per Stlmnt Stnt 
XXXX XXXX 9165629 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 1477.38 1432.38 Audit includes HOA
XXXX XXXX 9213156 XXXX Property Type propertyValuationPage PUD Single Family Detached Per appraisal
XXXX XXXX 9213156 XXXX Underwriting Guideline Product Name businessPurposeApprovalandGuidelinePage Non-QM XXXX XXXX
XXXX XXXX 9156953 XXXX Qualifying LTV propertyValuationPage 62.46 70.00 loan amount/appraisal value
XXXX XXXX 9134560 XXXX Refinance Type the1003Page No Cash Out - Borrower Initiated Cash Out - Other B1 received less than the max allowed  at closing for no cash out transaction and no additional debt being paid off.  
XXXX XXXX 9165639 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per Settlement.
XXXX XXXX 9134574 XXXX Loan Amount notePage XXXX XXXX Per Note
XXXX XXXX 9134574 XXXX Calculated DSCR diligenceFinalLookPage 1.153 XXXX Variance due to Lender using unknown higher rental source
XXXX XXXX 9162683 XXXX Borrower 1 Last Name notePage XXXX XXXX per Note
XXXX XXXX 9162763 XXXX Primary Appraised Property Value propertyValuationPage 1420000 XXXX Per Appraisal
XXXX XXXX 9162701 XXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Per appraisal
XXXX XXXX 9162701 XXXX Calculated DSCR diligenceFinalLookPage 1.256 1.13 Lease/PITIA, Lender DSCR Worksheet not provided
XXXX XXXX 9162702 XXXX Property Address notePage 985/995 Cherokee Chase Drive XXXX Per note
XXXX XXXX 9162702 XXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Per appraisal
XXXX XXXX 9162702 XXXX Calculated DSCR diligenceFinalLookPage 1.327 1.13 Leases/PITIA, Lender DSCR Worksheet not provided
XXXX XXXX 9162684 XXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Per appraisal
XXXX XXXX 9165653 XXXX Primary Appraised Property Value propertyValuationPage XXXX XXXX per appraisal 
XXXX XXXX 9213154 XXXX Borrower 1 Last Name notePage Blankenship XXXX Per Note.
XXXX XXXX 9213134 XXXX Property Type propertyValuationPage PUD XXXX Per appraisal
XXXX XXXX 9165693 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage 4295.86 XXXX Audit includes HOA
XXXX XXXX 9165693 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per settlement statement
XXXX XXXX 9134561 XXXX Loan Amount notePage 295000 XXXX Per Note
XXXX XXXX 9134561 XXXX Qualifying LTV propertyValuationPage 66.44 70.00 Per 1008
XXXX XXXX 9134561 XXXX Property Type propertyValuationPage PUD Single Family Detached Per Appraisal
XXXX XXXX 9156976 XXXX Calculated DSCR diligenceFinalLookPage 1.226 1.043 Audit matches with Lender Calculation
XXXX XXXX 9156987 XXXX Property Type propertyValuationPage PUD Single Family Detached Per appraisal
XXXX XXXX 9130202 XXXX Borrower 1 Last Name notePage XXXX XXXX Per Note
XXXX XXXX 9130202 XXXX Property Type propertyValuationPage Single Family Attached Single Family Detached Per appraisal 
XXXX XXXX 9130202 XXXX Calculated DSCR diligenceFinalLookPage 1.293 1.26 Audit matches with Lender Calculation
XXXX XXXX 9146931 XXXX Lender Name notePage XXXX XXXX Per Note
XXXX XXXX 9146931 XXXX Calculated DSCR diligenceFinalLookPage 1.146 1.0 Market Rent /PITIA, Lender DSCR breakdown not provided
XXXX XXXX 9213137 XXXX Property Type propertyValuationPage PUD Single Family Detached Per appraisal
XXXX XXXX 9119063 XXXX Borrower 1 Last Name notePage XXXX XXXX Per Note
XXXX XXXX 9119063 XXXX Qualifying LTV propertyValuationPage 76.25 77.05 per 1008
XXXX XXXX 9119063 XXXX Calculated DSCR diligenceFinalLookPage 0.999 1.09 Audit matches with Lender Calculation
XXXX XXXX 9162777 XXXX Date Last Rate Was Set tridLePageRevised XXXX XXXX Per Note
XXXX XXXX 9162777 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 44.19 39.36 Variance is due to Audit calculating a lower income
XXXX XXXX 9166087 XXXX Property Type propertyValuationPage PUD Single Family Detached Per appraisal
XXXX XXXX 9166087 XXXX Calculated DSCR diligenceFinalLookPage 1.539 1.4 Audit matches with Lender Calculation
XXXX XXXX 9156963 XXXX Property Type propertyValuationPage PUD Townhouse Per appraisal 
XXXX XXXX 9125131 XXXX Calculated DSCR diligenceFinalLookPage 1.129 1.19 Audit matches with Lender Calculation
XXXX XXXX 9166094 XXXX Calculated DSCR diligenceFinalLookPage 1.284 1.27 Per 1007 market rents / Final PITI reflected on CD. 
XXXX XXXX 9173495 XXXX Qualifying LTV propertyValuationPage 69.57 80.00 Loan amount/appraisal value.
XXXX XXXX 9134569 XXXX Calculated DSCR diligenceFinalLookPage 1.302 1.2 Audit matches with Lender Calculation
XXXX XXXX 9166128 XXXX Property Value propertyValuationPage XXXX XXXX Per Appraisal
XXXX XXXX 9166128 XXXX Qualifying CLTV propertyValuationPage 45.54 46.25  Loan amount/appraisal value.
XXXX XXXX 9166128 XXXX Qualifying LTV propertyValuationPage 45.54 46.25 Loan amount/appraisal value.
XXXX XXXX 9173464 XXXX Calculated DSCR diligenceFinalLookPage 1.146 1.202 Audit matches with Lender Calculation
XXXX XXXX 9166106 XXXX Calculated DSCR diligenceFinalLookPage 1.55 1.616 Audit used market rent
XXXX XXXX 9213115 XXXX Borrower 1 Last Name notePage XXXX XXXX per Note
XXXX XXXX 9213115 XXXX Borrower 1 First Name notePage XXXX XXXX per Note
XXXX XXXX 9213115 XXXX Property Type propertyValuationPage Townhouse Single Family Detached per appraisal report
XXXX XXXX 9213144 XXXX Borrower 1 First Name notePage XXXX XXXX per Note
XXXX XXXX 9213144 XXXX Borrower 1 Last Name notePage XXXX XXXX per Note
XXXX XXXX 9213143 XXXX Borrower 1 Last Name notePage XXXX XXXX per Note 
XXXX XXXX 9213143 XXXX Borrower 1 First Name notePage XXXX XXXX per Note 
XXXX XXXX 9213143 XXXX Property Type propertyValuationPage Single Family Attached Single Family Detached per appraisal report
XXXX XXXX 9156989 XXXX Loan Amount notePage XXXX XXXX Per Note
XXXX XXXX 9156989 XXXX Qualifying LTV propertyValuationPage 79.09 80.00 Audit in line with 1008
XXXX XXXX 9146934 XXXX Calculated DSCR diligenceFinalLookPage 1.164 1.09 Audit matches with Lender Calculation 
XXXX XXXX 9166088 XXXX Property City notePage XXXX XXXX Per Note
XXXX XXXX 9162778 XXXX Date Last Rate Was Set tridLePageRevised XXXX XXXX Per COC.
XXXX XXXX 9162774 XXXX Date Last Rate Was Set tridLePageRevised XXXX XXXX per LDR
XXXX XXXX 9166078 XXXX Property City notePage XXXX XXXX per Note, DOT and appraisal
XXXX XXXX 9166078 XXXX Property Type propertyValuationPage PUD Single Family Detached per appraisal report
XXXX XXXX 9146963 XXXX Calculated DSCR diligenceFinalLookPage 1.325 1.36 Audit matches with Lender Calculation 
XXXX XXXX 9146936 XXXX Originator Doc Type employmentIncomePage 12 Month Bank Statement 24 Mo Bank Statement Per docs provided.
XXXX XXXX 9173474 XXXX Calculated DSCR diligenceFinalLookPage 1.071 1.0 1008 indicates 1.12 DSCR, Audit 1.071 - Lender and Audit match with PITIA and actual rents
XXXX XXXX 9119065 XXXX Property Type propertyValuationPage Condominium Single Family Detached Per appraisal
XXXX XXXX 9119065 XXXX Calculated DSCR diligenceFinalLookPage 1.172 1.11 Lender used lower market rent than actual
XXXX XXXX 9125152 XXXX Calculated DSCR diligenceFinalLookPage 1.365 1.4 Lender DSCR based upon a lower P&I payment.
XXXX XXXX 9166110 XXXX Property Type propertyValuationPage Townhouse PUD per appraisal report
XXXX XXXX 9166110 XXXX Calculated DSCR diligenceFinalLookPage 1.228 1.192 True Data / audit DSCR match with lender 1008
XXXX XXXX 9146964 XXXX Calculated DSCR diligenceFinalLookPage 0.82 0.839 Audit matches final DSCR calc per Asset Worksheet
XXXX XXXX 9173481 XXXX Calculated DSCR diligenceFinalLookPage 0.937 0.99 Audit matches with Lender Calculation
XXXX XXXX 9146951 XXXX Interest Only Flag notePage Yes No Per note
XXXX XXXX 9157007 XXXX Property Type propertyValuationPage Townhouse PUD per appraisal report
XXXX XXXX 9157007 XXXX Calculated DSCR diligenceFinalLookPage 1.114 1.08 Difference in HOA monthly amount 
XXXX XXXX 9158560 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Settlement Statement
XXXX XXXX 9146947 XXXX Calculated DSCR diligenceFinalLookPage 1.143 1.24 Audit matches Lender Final 1003 and 1008. 
XXXX XXXX 9213166 XXXX Borrower 1 First Name notePage XXXX XXXX Per note
XXXX XXXX 9213166 XXXX Borrower 1 Last Name notePage XXXX XXXX per note
XXXX XXXX 9213123 XXXX Borrower 1 First Name notePage XXXX XXXX per Note
XXXX XXXX 9213123 XXXX Borrower 1 Last Name notePage XXXX XXXX per Note
XXXX XXXX 9213123 XXXX Property Type propertyValuationPage PUD Single Family Detached per appraisal report
XXXX XXXX 9213128 XXXX Property Type propertyValuationPage PUD Single Family Detached Per Appraisal.
XXXX XXXX 9213124 XXXX Borrower 1 First Name notePage XXXX XXXX Per Note
XXXX XXXX 9213124 XXXX Borrower 1 Last Name notePage XXXX XXXX Per Note
XXXX XXXX 9213124 XXXX Property Type propertyValuationPage Townhouse Single Family Detached townhouse per appraisal
XXXX XXXX 9156967 XXXX Calculated DSCR diligenceFinalLookPage 0.904 1.1868 Audit matches with Lender Calculation
XXXX XXXX 9156969 XXXX Calculated DSCR diligenceFinalLookPage 1.467 1.53 audit DSCR match with lender DSCR calc worksheet
XXXX XXXX 9156982 XXXX Calculated DSCR diligenceFinalLookPage 0.995 1.01 audit DSCR match on lender 1008
XXXX XXXX 9166068 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 49.54 46.24 Audit in line with 1008
XXXX XXXX 9157003 XXXX Calculated DSCR diligenceFinalLookPage 1.275 1.23 audit DSCR match lender DSCR calc worksheet
XXXX XXXX 9166113 XXXX Property Zip Code notePage 11207 11208 Per Note
XXXX XXXX 9156977 XXXX Loan Amount notePage XXXX XXXX per Note
XXXX XXXX 9182086 XXXX Calculated DSCR diligenceFinalLookPage 1.527 1.386 Audit matches with Lender Calculation
XXXX XXXX 9166112 XXXX Loan Amount notePage XXXX XXXX per Note
XXXX XXXX 9166112 XXXX Calculated DSCR diligenceFinalLookPage 1.094 1.23 Audit DSCR match the1008
XXXX XXXX 9146962 XXXX Calculated DSCR diligenceFinalLookPage 1.165 1.14 calc matches UW calc in file
XXXX XXXX 9166090 XXXX Property Type propertyValuationPage PUD Single Family Detached Per appraisal & title
XXXX XXXX 9166120 XXXX Calculated DSCR diligenceFinalLookPage 2.044 1.5 Audit matches with Lender Calculation
XXXX XXXX 9157006 XXXX Qualifying FICO creditLiabilitiesPage 773 767 Audit used the middle score on credit report
XXXX XXXX 9146919 XXXX Property Zip Code notePage XXXX NJ Per Note
XXXX XXXX 9213126 XXXX ARM Lifetime Interest Rate Cap Maximum notePage 5 12.75 Per Note
XXXX XXXX 9213130 XXXX Number of Units propertyValuationPage 4 3 per appraisal
XXXX XXXX 9213107 XXXX Property Type propertyValuationPage PUD Single Family Detached Per title
XXXX XXXX 9213136 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 44.12 29.98 Variance is due to Audit calculating lower income
XXXX XXXX 9156988 XXXX Property Type propertyValuationPage PUD Single Family Detached Per Appraisal.
XXXX XXXX 9156990 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 0 50.00 No Ratio loan
XXXX XXXX 9182061 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 32.7 24.86 Auditor higher REO loss
XXXX XXXX 9173487 XXXX Calculated DSCR diligenceFinalLookPage 1.037 1.01 Per DSCR calc.
XXXX XXXX 9182090 XXXX Term notePage 360 120 per Note
XXXX XXXX 9182090 XXXX Qualifying CLTV propertyValuationPage 70.0 71.72 per Note to appraised value
XXXX XXXX 9182090 XXXX Calculated DSCR diligenceFinalLookPage 1.038 1.07 Audit DSCR matches lender calculation.
XXXX XXXX 9182080 XXXX Calculated DSCR diligenceFinalLookPage 1.334 1.01 audit DSCR match the 1008
XXXX XXXX 9156984 XXXX Calculated DSCR diligenceFinalLookPage 1.272 1.29 Audit DSCR matches lender calculation.
XXXX XXXX 9173496 XXXX Qualifying FICO creditLiabilitiesPage 768 775 Per credit median score, per CBR
XXXX XXXX 9190375 XXXX Property Address notePage XXXX XXXX Per Note.
XXXX XXXX 9156983 XXXX Lender Name notePage XXXX XXXX per note
XXXX XXXX 9156995 XXXX Property Type propertyValuationPage PUD Single Family Detached Per audit, title & appraisal
XXXX XXXX 9156995 XXXX Calculated DSCR diligenceFinalLookPage 0.83 0.92 Per audit & matches lender calculation
XXXX XXXX 9166124 XXXX Calculated DSCR diligenceFinalLookPage 2.149 1.0 lender used lower taxes and lower rental amount
XXXX XXXX 9182109 XXXX Qualifying FICO creditLiabilitiesPage 722 728 Per Credit Report.
XXXX XXXX 9182081 XXXX Interest Rate notePage 7.49 7.8750 Per Note.
XXXX XXXX 9182081 XXXX Refinance Type the1003Page No Cash Out - Borrower Initiated Cash Out - Other Per settlement statement R/T paying off first lien and borrower bringing cash to close.
XXXX XXXX 9182081 XXXX Qualifying FICO creditLiabilitiesPage 722 728 Per Credit Report.
XXXX XXXX 9182081 XXXX Calculated DSCR diligenceFinalLookPage 1.265 1.234 Audit matches Lender DSCR worksheet.
XXXX XXXX 9213119 XXXX Borrower 1 Last Name notePage XXXX XXXX Per Note
XXXX XXXX 9213119 XXXX Borrower 1 First Name notePage Hani XXXX Per Note
XXXX XXXX 9213119 XXXX Primary Appraised Property Value propertyValuationPage XXXX XXXX Per appraisal - lender used original purchase price as appraised value / original sales price used for LTV. 
XXXX XXXX 9156962 XXXX Calculated DSCR diligenceFinalLookPage 0.845 0.82 Audit DSCR matches lender calculation.
XXXX XXXX 9158376 XXXX Qualifying Total Reserves Number of Months assetPage 51.32 70.00 per audit calc; verified assets
XXXX XXXX 9158376 XXXX Total Qualified Assets Available For Reserves assetPage XXXX XXXX per audit calc; verified assets
XXXX XXXX 9190385 XXXX Calculated DSCR diligenceFinalLookPage 1.117 XXXX Lender calculation differ in taxes and insurance
XXXX XXXX 9156951 XXXX Calculated DSCR diligenceFinalLookPage 1.347 1.31 Audit DSCR matches lenders per 1008 comments/DSCR calc
XXXX XXXX 9182073 XXXX Calculated DSCR diligenceFinalLookPage 1.35 1.364 Lender used incorrect taxes and insurance
XXXX XXXX 9182068 XXXX Qualifying LTV propertyValuationPage 32.99 37.50 Audit matches final 1008
XXXX XXXX 9182068 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 37.14 32.97 Audit matches final 1008
XXXX XXXX 9166082 XXXX Property City notePage Enfield CT Per Note
XXXX XXXX 9173477 XXXX Calculated DSCR diligenceFinalLookPage 1.334 1.315 Per audit & matches lender calculation
XXXX XXXX 9134582 XXXX Property Type propertyValuationPage PUD Single Family Detached Per appraisal 
XXXX XXXX 9166125 XXXX Calculated DSCR diligenceFinalLookPage 1.216 1.0 Audit matches Lender DSCR Calc.
XXXX XXXX 9173486 XXXX Calculated DSCR diligenceFinalLookPage 1.037 1.01 audit DSCR match the 1008
XXXX XXXX 9190360 XXXX Calculated DSCR diligenceFinalLookPage 1.416 1.44 audit DSCR match the 1008
XXXX XXXX 9166098 XXXX Calculated DSCR diligenceFinalLookPage 1.357 1.25 Lender did not include flood insurance in DSCR calc.
XXXX XXXX 9182096 XXXX Calculated DSCR diligenceFinalLookPage 1.169 1.034 audit DSCR match DSCR UW Memo
XXXX XXXX 9182097 XXXX Property Type propertyValuationPage Condominium Single Family Detached Per appraisal
XXXX XXXX 9182097 XXXX Calculated DSCR diligenceFinalLookPage 1.027 1.0 Audit DSCR matches lender calculation.
XXXX XXXX 9125154 XXXX Qualifying LTV propertyValuationPage 74.87 75.00 Loan amount/appraisal value.
XXXX XXXX 9125154 XXXX Qualifying FICO creditLiabilitiesPage 750 743 Per guide, Lower of 2 or the Middle of 3 FICO Scores
XXXX XXXX 9125154 XXXX Calculated DSCR diligenceFinalLookPage 1.306 1.0 Audit matches final loan approval
XXXX XXXX 9156972 XXXX Calculated DSCR diligenceFinalLookPage 1.001 1.3478 Audit matches DSCR calculation
XXXX XXXX 9182067 XXXX Calculated DSCR diligenceFinalLookPage 1.159 1.02 Variance due to Lender using lower PITIA
XXXX XXXX 9197013 XXXX Interest Rate notePage 7.5 7.4900 per Note
XXXX XXXX 9173471 XXXX Property Address notePage XXXX XXXX per Note
XXXX XXXX 9173471 XXXX Calculated DSCR diligenceFinalLookPage 1.151 1.09 Lender used higher PITI than actual
XXXX XXXX 9134585 XXXX Property Type propertyValuationPage PUD XXXX per appraisal report, Detached PUD
XXXX XXXX 9134585 XXXX Calculated DSCR diligenceFinalLookPage 1.182 1.0 true data DSCR match the 1008
XXXX XXXX 9173485 XXXX Calculated DSCR diligenceFinalLookPage 1.039 1.118 Lender used lower HOA on subject in DSCR calc
XXXX XXXX 9173502 XXXX Borrower 1 Last Name notePage XXXX XXXX per note
XXXX XXXX 9173502 XXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Per Appraisal. 
XXXX XXXX 9190394 XXXX Calculated DSCR diligenceFinalLookPage 1.014 1.09 Audit DSCR matches lenders per 1008
XXXX XXXX 9173489 XXXX Calculated DSCR diligenceFinalLookPage 1.035 1.01 Audit DSCR matches lender calculation.
XXXX XXXX 9213085 XXXX Borrower 1 Last Name notePage XXXX XXXX per Note
XXXX XXXX 9213085 XXXX Borrower 1 First Name notePage XXXX XXXX per Note
XXXX XXXX 9213085 XXXX ARM Lifetime Interest Rate Cap Maximum notePage 5 12.50 per Note
XXXX XXXX 9213085 XXXX Property Type propertyValuationPage PUD Single Family Detached per appraisal report
XXXX XXXX 9213085 XXXX Primary Appraised Property Value propertyValuationPage XXXX XXXX Per Appraisal
XXXX XXXX 9213085 XXXX Qualifying CLTV propertyValuationPage 53.02 50.00 Loan Amount/Appraised Value
XXXX XXXX 9213085 XXXX Qualifying LTV propertyValuationPage 53.02 50.00 Loan Amount/Appraised Value
XXXX XXXX 9213146 XXXX Primary Appraised Property Value propertyValuationPage XXXX XXXX 2 Full Appraisals - using Lower Appraised Value
XXXX XXXX 9213090 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 25.82 22.92 Lender omitted some liabilities
XXXX XXXX 9166102 XXXX Loan Amount notePage XXXX XXXX Per Note
XXXX XXXX 9166102 XXXX Borrower 2 Last Name notePage XXXX XXXX Per Note
XXXX XXXX 9166102 XXXX Borrower 1 Last Name notePage XXXX XXXX Per Note
XXXX XXXX 9166102 XXXX Borrower 1 First Name notePage XXXX XXXX Per Note
XXXX XXXX 9166102 XXXX Borrower 2 First Name notePage XXXX XXXX Per Note
XXXX XXXX 9166102 XXXX Property Value propertyValuationPage XXXX XXXX Per Appraisal
XXXX XXXX 9166102 XXXX Qualifying LTV propertyValuationPage 74.0 75.00 Audit LTV = "Note Amt / Sales Price." 
XXXX XXXX 9166102 XXXX Calculated DSCR diligenceFinalLookPage 1.011 1.0769 Audit and Lender DSC worksheet match
XXXX XXXX 9166117 XXXX Calculated DSCR diligenceFinalLookPage 0.905 0.86 Audit and lender match 
XXXX XXXX 9213084 XXXX Qualifying Amortization Term notePage 0 240 per note, 360
XXXX XXXX 9213120 XXXX Borrower 1 Last Name notePage XXXX XXXX Per note
XXXX XXXX 9182091 XXXX Calculated DSCR diligenceFinalLookPage 1.236 1.149 Per lender DSCR worksheet 
XXXX XXXX 9173512 XXXX Calculated DSCR diligenceFinalLookPage 1.023 1.0 Audit DSCR matches lender calculation.
XXXX XXXX 9166122 XXXX Note Date notePage XXXX XXXX Per DOT Notary Date
XXXX XXXX 9197007 XXXX Property Type propertyValuationPage Single Family Detached Mixed Use Per appraisal
XXXX XXXX 9173510 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 40.75 41.75 Difference in Income Calculations. 
XXXX XXXX 9182089 XXXX Qualifying FICO creditLiabilitiesPage 770 795 Auditor; B2 Primary Wage Earner’s Lower of 2 or Middle of 3 FICO Scores.  Per Final 1003.
XXXX XXXX 9173493 XXXX Calculated DSCR diligenceFinalLookPage 1.834 1.536 Audit matches lenders DSCR worksheet. 
XXXX XXXX 9197028 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 21.74 30.00 Audit matches final 1003 income and liabilities, however final 1008 has a difference in all monthly payments. Audit and 1003 used full PITIA for all REO's 
XXXX XXXX 9197018 XXXX Qualifying FICO creditLiabilitiesPage 741 775 Per Credit Report.
XXXX XXXX 9182111 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 47.42 47.00 Audit matches final 1003 with Total All Monthly Payments. Per final 1003, there is a concurrent purchase with lender as well, however no documentation was provided.
XXXX XXXX 9213082 XXXX Borrower 1 SSN the1003Page 999999999 111111111 Foreign National 
XXXX XXXX 9213100 XXXX Property Type propertyValuationPage PUD Single Family Detached As per Appraisal, PUD Rider
XXXX XXXX 9190380 XXXX Calculated DSCR diligenceFinalLookPage 1.029 1.01 True data in line with DSCR calc in file
XXXX XXXX 9197034 XXXX Calculated DSCR diligenceFinalLookPage 1.15 1.12 Lender used higher tax amount.
XXXX XXXX 9190378 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 47.57 45.49 1003 reflects correct debts but total incorrect on 1008
XXXX XXXX 9196991 XXXX Calculated DSCR diligenceFinalLookPage 1.703 1.5 Subject Property Gross Rental Income/Total Subject Housing Expense.
XXXX XXXX 9190393 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 43.67 48.71 DTI in line with 1008. 
XXXX XXXX 9213080 XXXX Borrower 1 SSN the1003Page 999999999 XXXX Foreign National 
XXXX XXXX 9213094 XXXX Borrower 1 SSN the1003Page 999999999 XXXX Foreign National
XXXX XXXX 9190382 XXXX Property Type propertyValuationPage Single Family Detached 5-10 Family Per Appraisal.
XXXX XXXX 9197035 XXXX Calculated DSCR diligenceFinalLookPage 1.057 1.0 Subject Property Gross Rental Income/Total Subject Housing Expense.
XXXX XXXX 9166105 XXXX Calculated DSCR diligenceFinalLookPage 1.06 1.04 Per lease amounts / Final PITI 
XXXX XXXX 9173516 XXXX Property Address notePage XXXX XXXX per Note
XXXX XXXX 9173516 XXXX Property Type propertyValuationPage Condominium Single Family Detached per appraisal report
XXXX XXXX 9173518 XXXX Property Address notePage XXXX XXXX per Note
XXXX XXXX 9173518 XXXX Property Type propertyValuationPage Condominium Single Family Detached per appraisal 
XXXX XXXX 9166073 XXXX Property City notePage XXXX XXXX Per Note / Title 
XXXX XXXX 9213140 XXXX Family Rider 1-4  deedOfTrustPage true false Per Deed of Trust and 1-4 Family Rider.
XXXX XXXX 9213140 XXXX Condo Rider deedOfTrustPage true false Per Condo Rider.
XXXX XXXX 9213140 XXXX Borrower 1 SSN the1003Page 999999999 111111111 per 1003
XXXX XXXX 9213140 XXXX Number of Units propertyValuationPage 1 100 Per Appraisal.
XXXX XXXX 9213140 XXXX Loan Type the1003Page DSCR Conventional Per approval
XXXX XXXX 9213140 XXXX Prepayment Penalty diligenceFinalLookPage Yes No Per Prepayment Addendum to Note.
XXXX XXXX 9166121 XXXX Calculated DSCR diligenceFinalLookPage 1.038 1.0 Variance due to Lender using higher taxes
XXXX XXXX 9212928 XXXX Property Type propertyValuationPage Single Family Attached 5-10 Family Per appraisal
XXXX XXXX 9190395 XXXX Calculated DSCR diligenceFinalLookPage 1.271 1.25 Per 1007 market rents / Final PITI
XXXX XXXX 9201283 XXXX Qualifying FICO creditLiabilitiesPage 690 689 Per Credit Report.
XXXX XXXX 9190359 XXXX Qualifying FICO creditLiabilitiesPage 720 735 Per credit report 
XXXX XXXX 9213087 XXXX Loan Type the1003Page DSCR Conventional Per loan approval
XXXX XXXX 9213087 XXXX Borrower 1 SSN the1003Page XXXX 331309546 per 1003 and cbr
XXXX XXXX 9213087 XXXX Borrower 1 Sex - I do not wish to provide this information the1003Page true false per 1003
XXXX XXXX 9213087 XXXX Borrower 1 Ethnicity - I do not wish to provide this information the1003Page true false per 1003
XXXX XXXX 9213087 XXXX Borrower 1 Race - I do not wish to provide this information the1003Page true false per 1003
XXXX XXXX 9213087 XXXX Monthly Property Tax Amount titlePage 406.91 100.66 per tax cert there is also school tax
XXXX XXXX 9213087 XXXX Prepayment Penalty diligenceFinalLookPage Yes No per Prepayment Addendum in file
XXXX XXXX 9173482 XXXX Loan Amount notePage XXXX XXXX per note
XXXX XXXX 9173482 XXXX Property Value propertyValuationPage XXXX XXXX Per Appraisal 
XXXX XXXX 9173482 XXXX Qualifying LTV propertyValuationPage 75.0 74.19 Per loan amount / Appraised value. 
XXXX XXXX 9173482 XXXX Calculated DSCR diligenceFinalLookPage 1.262 2.49 Per worksheet DSCR = 1.26
XXXX XXXX 9173517 XXXX Calculated DSCR diligenceFinalLookPage 0.9 1.4479 True Data value  match w/ lender DSCR UW Memo
XXXX XXXX 9213112 XXXX Loan Originator Name notePage XXXX XXXX per note
XXXX XXXX 9213112 XXXX Number of Units propertyValuationPage 1 XXXX per condo questionnaire
XXXX XXXX 9197030 XXXX Property Type propertyValuationPage Single Family Detached Two to Four Unit Per Appraisal
XXXX XXXX 9197006 XXXX Property Type propertyValuationPage Single Family Detached Two to Four Unit per appraisal, subj is a detached SFR
XXXX XXXX 9201262 XXXX Property Type propertyValuationPage Single Family Detached Two to Four Unit per appraisal
XXXX XXXX 9190389 XXXX Lender Name notePage XXXX XXXX Per Note
XXXX XXXX 9190389 XXXX Property Value propertyValuationPage XXXX XXXX Per appraisal
XXXX XXXX 9190389 XXXX Qualifying FICO creditLiabilitiesPage 809 803 Primary wage earner
XXXX XXXX 9196994 XXXX Calculated DSCR diligenceFinalLookPage 1.319 1.29 Lender used higher property taxes
XXXX XXXX 9213086 XXXX Prepayment Penalty diligenceFinalLookPage Yes No Per PP Addendum.
XXXX XXXX 9212918 XXXX Refinance Type the1003Page No Cash Out - Borrower Initiated Cash Out - Other Per final closing statement
XXXX XXXX 9212923 XXXX Qualifying LTV propertyValuationPage 75.0 74.83 Loan amount/Property Value 
XXXX XXXX 9212923 XXXX Calculated DSCR diligenceFinalLookPage 1.014 1.28 Audit DSCR matches  Lenders calculation worksheet
XXXX XXXX 9156975 XXXX Qualifying LTV propertyValuationPage 42.33 46.66 True Date value LTV match w/ 1008 lender notes
XXXX XXXX 9222069 XXXX Qualifying Total Reserves Number of Months assetPage 1.95 87.00 per audited assets
XXXX XXXX 9222044 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX per Final CD
XXXX XXXX 9221968 XXXX Total Qualifying Income employmentIncomePage 11567.58 XXXX Variance due to Lender used 13 months bank statements / 12 months
XXXX XXXX 9221968 XXXX Borrower 1 Qualifying Income employmentIncomePage 11567.58 XXXX Variance due to Lender used 13 months bank statements / 12 months
XXXX XXXX 9221968 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 37.95 35.00 Variance due to Lender used 13 months bank statements / 12 months
XXXX XXXX 9221968 XXXX Originator QM Status diligenceFinalLookPage QM: Safe Harbor APOR (APOR SH) ATR/QM: Exempt Subj is a primary residence.
XXXX XXXX 9222042 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 26.57 26.66  
XXXX XXXX 9222047 XXXX B1 Credit Report Date creditLiabilitiesPage XXXX XXXX per credit report
XXXX XXXX 9222047 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 20.77 17.34 Lender incl taxes/ins in DTI on dep res as per LOX, borr is on deed
XXXX XXXX 9222173 XXXX Total Qualifying Income employmentIncomePage XXXX XXXX Audit calculated less income.
XXXX XXXX 9222173 XXXX Qualifying Total Reserves Number of Months assetPage 29.73 28.00 Per Asset documentation
XXXX XXXX 9222173 XXXX Total Qualified Assets Available For Reserves assetPage XXXX XXXX Per Asset documentation
XXXX XXXX 9221961 XXXX Property Type propertyValuationPage Townhouse PUD per appraisal
XXXX XXXX 9221961 XXXX Origination Foreclosure Flag creditLiabilitiesPage Yes No per 1003 and credit report
XXXX XXXX 9221961 XXXX Originator QM Status diligenceFinalLookPage QM: Safe Harbor APOR (APOR SH) Non-QM: Lender documented all ATR UW factors  
XXXX XXXX 9222107 XXXX Qualifying Total Reserves Number of Months assetPage 6.37 9.00 Per Assets in file
XXXX XXXX 9222107 XXXX Total Qualified Assets Available For Reserves assetPage XXXX XXXX Per Assets in file 
XXXX XXXX 9222076 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per HUD
XXXX XXXX 9222076 XXXX Calculated DSCR diligenceFinalLookPage 1.156 XXXX Market rent/PITIA, calculation not provided
XXXX XXXX 9222014 XXXX Qualifying Total Reserves Number of Months assetPage 14.72 0.00 Cash out
XXXX XXXX 9221964 XXXX Qualifying Total Reserves Number of Months assetPage 13.9 23.00 per audited assets-lender appears to have used an account that does not belong to the borrower
XXXX XXXX 9222156 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX per CD
XXXX XXXX 9221951 XXXX Borrower 1 FTHB the1003Page true N Per Final 1003
XXXX XXXX 9221951 XXXX Total Qualified Assets Available For Reserves assetPage XXXX 358333.40 per audited assets
XXXX XXXX 9221951 XXXX Qualifying Total Reserves Number of Months assetPage 42.74 75.00 per audited assset