MORGAN STANLEY CAPITAL I INC. ABS-15G
Exhibit 99.5 - Schedule 4
Loan ID | MSID | Field Name | Verified Value | Bid Tape Value | Comment |
XXXXX | 9127700 | Closing/Settlement Date | XXX | XXX | Per initial application |
XXXXX | 9127700 | Qualifying Total Debt Income Ratio | XXX | XXX | Per calculations debt and income |
XXXXX | 9133745 | Qualifying Total Reserves Number of Months | XXX | XXX | XXX assets match those on the AUS |
XXXXX | 9133745 | Qualifying All Borrower Residual Income | XXX | XXX | Income matches the AUS |
XXXXX | 9133693 | Qualifying Total Reserves Number of Months | XXX | XXX | Slight difference, amounts used from Final CD. |
XXXXX | 9133811 | Property Value | XXX | XXX | Tape data is sales price. |
XXXXX | 9133811 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves meet AUS requirements. |
XXXXX | 9133811 | Qualifying All Borrower Residual Income | XXX | XXX | Borrower meets residual income required by guidelines. |
XXXXX | 9133694 | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all reserves |
XXXXX | 9133824 | Property Value | XXX | XXX | per XXX. Appraised value vs Sale price. |
XXXXX | 9133824 | Application Date | XXX | XXX | Per Initial 1003 in file. |
XXXXX | 9133824 | Qualifying Total Reserves Number of Months | XXX | XXX | per asset documentation provided. |
XXXXX | 9133824 | Qualifying All Borrower Residual Income | XXX | XXX | per income docs provided. Residual not required on N/O. |
XXXXX | 9133601 | Maturity Date | XXX | XXX | Per the Note |
XXXXX | 9133601 | First Payment Date | XXX | XXX | Per the Note |
XXXXX | 9133601 | Property Value | XXX | XXX | Per the XXX and Loan Approval |
XXXXX | 9133601 | Application Date | XXX | XXX | Per Initial 1003 loan Originators signature date |
XXXXX | 9133601 | Qualifying Total Reserves Number of Months | XXX | XXX | Per the assets reflected on the Final 1003 and verified in concurrent file. |
XXXXX | 9133601 | Qualifying All Borrower Residual Income | XXX | XXX | Per total qualifying Income of $XXX and total qualifying debt of $XXX of $XXX |
XXXXX | 9133651 | Maturity Date | XXX | XXX | Per Note |
XXXXX | 9133651 | First Payment Date | XXX | XXX | Per Note |
XXXXX | 9133651 | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
XXXXX | 9133679 | Qualifying All Borrower Residual Income | XXX | XXX | No residual income required when DTI<XXX% or not a HPML loan. |
XXXXX | 9133700 | Property Value | XXX | XXX | Using Purchase price as since it is lower than the appraised value |
XXXXX | 9133700 | Qualifying FICO | XXX | XXX | Per credit report for primary wage earner |
XXXXX | 9133700 | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
XXXXX | 9162828 | First Payment Date | XXX | XXX | Per Note. |
XXXXX | 9162828 | Property Value | XXX | XXX | Per appraisal. |
XXXXX | 9162828 | Application Date | XXX | XXX | Per Initial 1003. Originator signature is dated XX/XX/XXXX. |
XXXXX | 9162828 | Qualifying All Borrower Residual Income | XXX | XXX | No residual income required when DTI<XXX% or not a HPML loan. |
XXXXX | 9133654 | Property Value | XXX | XXX | per appraisal reflects $XXX. |
XXXXX | 9133654 | Qualifying Total Reserves Number of Months | XXX | XXX | Qualifying reserves is $XXX as borrow is short funds. |
XXXXX | 9133654 | Qualifying All Borrower Residual Income | XXX | XXX | Qualifying Residual income is $ XXX. |
XXXXX | 9162789 | Property Value | XXX | XXX | Using Purchase price as since it is lower than the appraised value |
XXXXX | 9162789 | Application Date | XXX | XXX | Per Initial 1003/Intent to Proceed |
XXXXX | 9162789 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
XXXXX | 9133831 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
XXXXX | 9133831 | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
XXXXX | 9133561 | Property Value | XXX | XXX | Confirmed with Appraisal Report. |
XXXXX | 9133561 | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed with P&L Statement and Credit Report. |
XXXXX | 9162864 | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per XXX guidelines. |
XXXXX | 9162864 | Qualifying All Borrower Residual Income | XXX | XXX | $XXX residual income is required per XXX Matrix. |
XXXXX | 9162801 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
XXXXX | 9162801 | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
XXXXX | 9162854 | Property Value | XXX | XXX | Verified by the appraisal. |
XXXXX | 9162854 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified by the calculations. |
XXXXX | 9162854 | Qualifying All Borrower Residual Income | XXX | XXX | Verified by the calculations. |
XXXXX | 9162759 | Application Date | XXX | XXX | Verified via initial XXX. |
XXXXX | 9162759 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified via asset documentation provided. |
XXXXX | 9162759 | Qualifying All Borrower Residual Income | XXX | XXX | Qualifying residual income verified via income and credit documentation. |
XXXXX | 9162758 | Qualifying FICO | XXX | XXX | The FICO is based on the credit report in the file. Borrower does not have XXX score |
XXXXX | 9162758 | Qualifying Total Reserves Number of Months | XXX | XXX | This is based on the assets in the file. |
XXXXX | 9162758 | Qualifying All Borrower Residual Income | XXX | XXX | This will not match, since the total of all monthly payments is not matching between the credit report and Final 1003. |
XXXXX | 9133560 | Property Value | XXX | XXX | Using Purchase price as since it is lower than the appraised value |
XXXXX | 9133560 | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
XXXXX | 9162788 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
XXXXX | 9162788 | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
XXXXX | 9162792 | Property Value | XXX | XXX | Using Purchase price as since it is lower than the appraised value |
XXXXX | 9162792 | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
XXXXX | 9162849 | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed with bank Statements provided. |
XXXXX | 9162849 | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed with bank Statements provided for income verification and Credit Report. Audit included MBFS account in DTI calculation due to less than XXX months proof account is paid by business. Lender exception has been provided. |
XXXXX | 9175157 | Application Date | XXX | XXX | Per Initial 1003/compliance report |
XXXXX | 9175157 | Qualifying Total Reserves Number of Months | XXX | XXX | Per assets |
XXXXX | 9175157 | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
XXXXX | 9162782 | Property Value | XXX | XXX | Verified to appraisal vs purchase price |
XXXXX | 9162782 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified to assets |
XXXXX | 9162782 | Qualifying All Borrower Residual Income | XXX | XXX | Based on verified income and total debts |
XXXXX | 9162784 | Application Date | XXX | XXX | Per Initial 1003 |
XXXXX | 9162784 | Qualifying All Borrower Residual Income | XXX | XXX | Per Income Less expenses |
XXXXX | 9175232 | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
XXXXX | 9162827 | Maturity Date | XXX | XXX | Per Note |
XXXXX | 9162827 | First Payment Date | XXX | XXX | Per Note |
XXXXX | 9162827 | Qualifying Total Reserves Number of Months | XXX | XXX | Per documentation in file |
XXXXX | 9162827 | Qualifying All Borrower Residual Income | XXX | XXX | Income less expenses |
XXXXX | 9175246 | Qualifying All Borrower Residual Income | XXX | XXX | Income less expenses |
XXXXX | 9162856 | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed with bank Statements and Cash-Out from subject transaction. |
XXXXX | 9162856 | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed with bank Statements for Asset Utilization and Credit Report. |
XXXXX | 9133568 | Property Type | XXX | XXX | Per the appraisal |
XXXXX | 9133568 | Qualifying Total Reserves Number of Months | XXX | XXX | Per the cash out |
XXXXX | 9175143 | Property Value | XXX | XXX | Lower purchase price is $XXX |
XXXXX | 9175143 | Application Date | XXX | XXX | initial XXX |
XXXXX | 9175143 | Qualifying Total Reserves Number of Months | XXX | XXX | Per the asset Statements |
XXXXX | 9175143 | Qualifying All Borrower Residual Income | XXX | XXX | Income and liabilities |
XXXXX | 9162810 | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed with bank Statements provided. Short funds to close. |
XXXXX | 9162810 | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed with bank Statements provided for income verification and Credit Report. |
XXXXX | 9175158 | Qualifying Total Reserves Number of Months | XXX | XXX | Per the asset Statement. |
XXXXX | 9175158 | Qualifying All Borrower Residual Income | XXX | XXX | Income and liabilities |
XXXXX | 9162841 | Property Value | XXX | XXX | Using Purchase price as since it is lower than the appraised value |
XXXXX | 9162841 | Qualifying All Borrower Residual Income | XXX | XXX | Per monthly income less all debts |
XXXXX | 9162786 | Qualifying All Borrower Residual Income | XXX | XXX | Based on verified income and total debts |
XXXXX | 9175252 | Application Date | XXX | XXX | Per Initial 1003 |
XXXXX | 9175252 | Property Value | XXX | XXX | Purchase Price lower than Appraised value |
XXXXX | 9175252 | Qualifying Total Reserves Number of Months | XXX | XXX | Per Assets in file |
XXXXX | 9175252 | Qualifying All Borrower Residual Income | XXX | XXX | Income less expenses |
XXXXX | 9175148 | Property Value | XXX | XXX | Verified to loan approval vs purchase price (appraisal is missing) |
XXXXX | 9175148 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified to no assets documents in file |
XXXXX | 9175148 | Qualifying All Borrower Residual Income | XXX | XXX | Based on verified income and total debts |
XXXXX | 9175185 | Qualifying Total Reserves Number of Months | XXX | XXX | No reserves required for Asset Utilization loan program. |
XXXXX | 9175185 | Qualifying All Borrower Residual Income | XXX | XXX | No residual income required when DTI<XXX% and not a HPML loan. |
XXXXX | 9162794 | Property Value | XXX | XXX | Confirmed with Appraisal Report. |
XXXXX | 9162794 | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed with bank Statements provided. |
XXXXX | 9162794 | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed with bank Statements provided for income verification and Credit Report. |
XXXXX | 9162756 | Property Value | XXX | XXX | Used Desk review value per lender guidelines |
XXXXX | 9162756 | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per XXX guidelines. |
XXXXX | 9162756 | Qualifying All Borrower Residual Income | XXX | XXX | No residual income required when DTI<XXX% and not a HPML loan. |
XXXXX | 9175243 | Qualifying All Borrower Residual Income | XXX | XXX | Based on verified income and total debts |
XXXXX | 9218299 | Property Type | XXX | XXX | Per appraisal |
XXXXX | 9218299 | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
XXXXX | 9218333 | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
XXXXX | 9162612 | Qualifying Total Reserves Number of Months | XXX | XXX | Total Reserves verified via current bank Statements in file. |
XXXXX | 9162612 | Total Qualified Assets Available | XXX | XXX | Assets verified via bank Statements and proceeds from sale. |
XXXXX | 9162612 | Qualifying Total Monthly Liabilities | XXX | XXX | Liabilities verified via credit report. |
XXXXX | 9162612 | Borrower Appraisal Receipt Date | XXX | XXX | Appraisal receipt date verified. |
XXXXX | 9162663 | Total Qualified Assets Available | XXX | XXX | Includes liquid assets only. |
XXXXX | 9162663 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves as documented in the loan file. |
XXXXX | 9162663 | Qualifying Total Monthly Liabilities | XXX | XXX | DSCR does not require REO to be completed. |
XXXXX | 9162670 | Cash out Include Debt Paid at Close | XXX | XXX | Per Final CD |
XXXXX | 9162670 | Qualifying Total Reserves Number of Months | XXX | XXX | Per cash out and subject housing expense |
XXXXX | 9162670 | Qualifying Total Monthly Liabilities | XXX | XXX | Per required liability documenation |
XXXXX | 9162670 | Borrower Appraisal Receipt Date | XXX | XXX | Per Appraisal Receipt document |
XXXXX | 9162732 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset Statements |
XXXXX | 9162732 | Total Qualified Assets Available | XXX | XXX | Per loan approval |
XXXXX | 9162732 | Qualifying Total Monthly Liabilities | XXX | XXX | Per liabilities |
XXXXX | 9162732 | Borrower Appraisal Receipt Date | XXX | XXX | Per desk review |
XXXXX | 9162634 | Cash Disbursement Date | XXX | XXX | Per final CD |
XXXXX | 9162634 | Total Liquid Assets Available For Close | XXX | XXX | Per asset Statements minus reserves |
XXXXX | 9162634 | Total Qualified Assets Available | XXX | XXX | Per asset Statements minus reserves |
XXXXX | 9162634 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset Statements minus reserves |
XXXXX | 9162634 | Qualifying Total Monthly Liabilities | XXX | XXX | Per liabilities from credit report |
XXXXX | 9162634 | Borrower Appraisal Receipt Date | XXX | XXX | Per desk review |
XXXXX | 9162635 | Borrower 1 Total Years Employment/Self-Employment Verified | XXX | XXX | Years verified via CPA. |
XXXXX | 9162635 | Cash Disbursement Date | XXX | XXX | verified. |
XXXXX | 9162635 | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified via asset docs. |
XXXXX | 9162635 | Total Liquid Assets Available For Close | XXX | XXX | Liquid assets within tolerance. |
XXXXX | 9162635 | Total Qualified Assets Available | XXX | XXX | Assets verified via asset docs provided. |
XXXXX | 9162635 | Qualifying Total Monthly Liabilities | XXX | XXX | Total liabilities verified via credit report and REO. |
XXXXX | 9162635 | Lock Term (Days) | XXX | XXX | Lock term verified. |
XXXXX | 9162746 | Total Qualified Assets Available | XXX | XXX | Per asset documentation |
XXXXX | 9162746 | Total Liquid Assets Available For Close | XXX | XXX | Per asset documentation, less IRA accounts |
XXXXX | 9162746 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and subject housing expense |
XXXXX | 9162746 | Qualifying Total Monthly Liabilities | XXX | XXX | Per required liability documentation |
XXXXX | 9162746 | Borrower Appraisal Receipt Date | XXX | XXX | Per Appraisal Receipt document |
XXXXX | 9162752 | Borrower 1 Qualifying Income | XXX | XXX | Per income documenation |
XXXXX | 9162752 | Borrower 1 Total Years Employment/Self-Employment Verified | XXX | XXX | Per date of business incorporation |
XXXXX | 9162752 | Total Liquid Assets Available For Close | XXX | XXX | Per asset documentation, including business accounts |
XXXXX | 9162752 | Total Qualified Assets Available | XXX | XXX | Per asset documentation, including business accounts |
XXXXX | 9162752 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation, including business accounts and including subject housing expense |
XXXXX | 9162752 | Qualifying Total Monthly Liabilities | XXX | XXX | Per liability documenation |
XXXXX | 9162662 | Cash Disbursement Date | XXX | XXX | Per final CD |
XXXXX | 9162662 | Total Qualified Assets Available | XXX | XXX | Per asset in file |
XXXXX | 9162662 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset in file |
XXXXX | 9162662 | Qualifying Total Monthly Liabilities | XXX | XXX | Per credit report |
XXXXX | 9162719 | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and subject housing expense |
XXXXX | 9162719 | Total Qualified Assets Available | XXX | XXX | Per asset documentation |
XXXXX | 9162719 | Total Liquid Assets Available For Close | XXX | XXX | Per asset documentation |
XXXXX | 9162719 | Qualifying Total Monthly Liabilities | XXX | XXX | Per required liability documentation |
XXXXX | 9162719 | Borrower Appraisal Receipt Date | XXX | XXX | Per Appraisal Receipt disclosure |
XXXXX | 9218491 | PITIA | XXX | XXX | PITIA is $XXX |
XXXXX | 9218491 | Qualifying FICO | XXX | XXX | XXX is FICO |
XXXXX | 9218491 | Property Type | XXX | XXX | PUD property is not dettached |
XXXXX | 9218337 | P&I | XXX | XXX | P&I is $XXX per Note in file |
XXXXX | 9218337 | Monthly Insurance | XXX | XXX | including earthquake coverage |
XXXXX | 9218460 | PITIA | XXX | XXX | XXX P&I + XXX insurance + XXX taxes + XXX HOA = XXX PITIA |
XXXXX | 9218460 | Property Type | XXX | XXX | Property is a condiminium |
XXXXX | 9218276 | P&I | XXX | XXX | Note States P&I = $XXX |
XXXXX | 9243087 | P&I | XXX | XXX | Interest Only Note States initial P&I = $XXX |
XXXXX | 9243106 | PITIA | XXX | XXX | $XXX P&I + $XXX Insurance + $XXX Tax = $XXX PITIA |
XXXXX | 9243096 | PITIA | XXX | XXX | $XXX P&I + $XXX Insurance +$$XXX Tax = $XXX PITIA |
XXXXX | 9243105 | P&I | XXX | XXX | P&I os $XXX |
XXXXX | 9243105 | Monthly Taxes | XXX | XXX | $XXX County Tax + $XXX City Tax = $XXX Total Tax |
XXXXX | 9133782 | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per XXX guidelines. |
XXXXX | 9218319 | Number of Borrowers | XXX | XXX | XXX borrowers per Note |
XXXXX | 9218319 | Application Date | XXX | XXX | Per Initial 1003 page XXX |
XXXXX | 9218483 | Application Date | XXX | XXX | Verified via initial XXX. |
XXXXX | 9218483 | Closing/Settlement Date | XXX | XXX | XXX property considered Dry State. Loan singed and notarized XX/XX/XXXX. |
XXXXX | 9218483 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI higher due income is lower. Large deposit of $XXX not sourced. |
XXXXX | 9218305 | Application Date | XXX | XXX | Per Init |
XXXXX | 9218305 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI is higher because the Lender excluded B2's liability for Hilton Resort #XXX. Audit could not locate any documentation to verify exclusion. |
XXXXX | 9218359 | Application Date | XXX | XXX | Per Initial 1003 |
XXXXX | 9218278 | Application Date | XXX | XXX | Per 1003 |
XXXXX | 9218356 | Borrower 1 Self-Employment Flag | XXX | XXX | Per Final 1003 and VOE |
XXXXX | 9218356 | Qualifying Total Debt Income Ratio | XXX | XXX | Per income and debt |
XXXXX | 9218330 | Application Date | XXX | XXX | Per 1003 |
XXXXX | 9218380 | Application Date | XXX | XXX | Per 1003 |
XXXXX | 9243103 | Application Date | XXX | XXX | Per Initial 1003 |
XXXXX | 9218564 | Application Date | XXX | XXX | Per 1003 |
XXXXX | 9218564 | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
XXXXX | 9218419 | Closing/Settlement Date | XXX | XXX | Per Final CD |
XXXXX | 9218415 | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
XXXXX | 9243104 | Qualifying Total Debt Income Ratio | XXX | XXX | Per debts vs income |
XXXXX | 9218363 | Application Date | XXX | XXX | Per 1003 |
XXXXX | As-Is Value | XXX | XXX | As is value versus purchase price | |
XXXXX | DSCR | XXX | XXX | $XXX gross rents / $XXX PITIA = XXX DSCR | |
XXXXX | Mo Pymt (P&I) | XXX | XXX | P&I is $XXX per note | |
XXXXX | Mo Pymt (P&I) | XXX | XXX | P&I is $XXX per note | |
XXXXX | T & I Payment | XXX | XXX | $XXX taxes + $XXX insurance= $XXX TIA | |
XXXXX | Mo Pymt (P&I) | XXX | XXX | P&I is $XXX per note | |
XXXXX | T & I Payment | XXX | XXX | $XXX taxes + $XXX insurance= $XXX TIA | |
XXXXX | Mo Pymt (P&I) | XXX | XXX | P&I is $XXX per note | |
XXXXX | T & I Payment | XXX | XXX | $XXX taxes + $XXX insurance + XXX Flood= $XXX TIA | |
XXXXX | DSCR | XXX | XXX | $XXX gross rents / $XXX PITIA = XXX DSCR | |
XXXXX | Mo Pymt (P&I) | XXX | XXX | P&I is $XXX per note | |
XXXXX | T & I Payment | XXX | XXX | $XXX taxes + $XXX insurance= $XXX TIA |