MORGAN STANLEY CAPITAL I INC. ABS-15G
Exhibit 99.6 - Schedule 2
| Loan Number | Loan ID | Finding # | Last Name | Note Date | Audit Category | Audit Issue | Finding ID | Exception Finding | Remediation Status | Exception Rebuttal | Exception Response | Status Comment | Compensating Factors | Initial Findings Grade | Final Findings Grade | Initial Loan Grade | Final Loan Grade |
| XXXX | 8379206 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | |||||
| XXXX | 8379206 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | |||||
| XXXX | 8379206 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. | 1 | 1 | 1 | 1 | |||||
| XXXX | 9139608 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | |||||
| XXXX | 9139608 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | |||||
| XXXX | 9139608 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. | 1 | 1 | 1 | 1 | |||||
| XXXX | 9128242 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | |||||
| XXXX | 9128242 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | |||||
| XXXX | 9128242 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. | 1 | 1 | 1 | 1 | |||||
| XXXX | 9139628 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | |||||
| XXXX | 9139628 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | |||||
| XXXX | 9139628 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. | 1 | 1 | 1 | 1 | |||||
| XXXX | 9139631 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | HUD1 - Missing (All) | XXXX | There is no evidence of a HUD-1 Settlement Statement provided in the loan file. As a result the following reviews could not be performed: Federal Threshold reiew, and final HUD-1 accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a) | Resolved | Rebuttal 1 (XX/XX/XXXX XXXXPM) Closing Disclosure provided - loan does not have a HUD Rebuttal 2 (XX/XX/XXXX XXXXAM) Closing disclosure signed by buyer's agent provided (highlighted in doc) Rebuttal 3 (XX/XX/XXXX XXXXPM) The CD shows the total closing fees and is signed by the buyer |
Response 1 (XX/XX/XXXX XXXXPM) The documentation provided is not sufficient to cure the finding. The Seller CD has been provided. Please provide the borrowers Final HUD or CD. (Upheld) Response 2 (XX/XX/XXXX XXXXPM) The documentation provided is not sufficient to cure the finding. The Seller CD has been provided and is signed as True and Correct by the title agent; however, it only discloses the Seller fees and without the Borrower fees a Federal Threshold review and final HUD-1 review for accuracy cannot be performed. Please provide the borrowers Final HUD or CD. (Upheld) Response 3 (XX/XX/XXXX XXXXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 9139631 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | The loan file does not contain a final closing statement. Therefore, unable to determine if sufficient assets were verified to cover funds required for closing, EMD, and reserves. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXXPM) Closing Disclosure provided - loan does not have a HUD Rebuttal 2 (XX/XX/XXXX XXXXAM) Closing disclosure signed by buyer's agent provided (highlighted in doc) Rebuttal 3 (XX/XX/XXXX XXXXPM) The CD shows the total closing fees and is signed by the buyer |
Response 1 (XX/XX/XXXX XXXXPM) Only the Seller's side was provided. (Upheld) Response 2 (XX/XX/XXXX XXXXAM) New documentation not received. Unable to determine buyer's funds to close. (Upheld) Response 3 (XX/XX/XXXX XXXXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 9139631 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the original appraised value. | 1 | 1 | 3 | 1 |