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 9066972 XXXX Monthly Property Tax Amount titlePage XXXX XXXX Per title include city and county tax
XXXX XXXX 9066972 XXXX Primary Appraisal Date propertyValuationPage XXXX XXXX Per appraisal 
XXXX XXXX 9146946 XXXX Calculated DSCR diligenceFinalLookPage 1.124 1.077 Audit DSCR matches lender calculation.
XXXX XXXX 9173468 XXXX Lender Name notePage XXXX XXXX Per Note
XXXX XXXX 9173468 XXXX Calculated DSCR diligenceFinalLookPage 1.397 1.26 Audit matches Lender's calculations. 
XXXX XXXX 9217000 XXXX Loan Amount notePage XXXX XXXX Per Note 
XXXX XXXX 9217000 XXXX Calculated DSCR diligenceFinalLookPage 1.049 1.04 Due to rounding 
XXXX XXXX 9694040 XXXX Lender Name notePage XXXX XXXX Per Note
XXXX XXXX 9555123 XXXX Property Type propertyValuationPage PUD Single Family Detached Per appraisal
XXXX XXXX 9555123 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 42.1 38.58 Audit DTI within 2% of Lender DTI on 1008
XXXX XXXX 10104474 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 48.1 46.01 Variance due to lower income
XXXX   10007528 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Lender did not include HOA
XXXX   10007279 XXXX Cash out Include Debt Paid at Close finalCdDetailPage XXXX XXXX Per Final CD
XXXX   10007279 XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final CD
XXXX   10007279 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Lender did not include HOA fee 
XXXX   10007284 XXXX Qualifying Amortization Term notePage 360 480 Per I/O Note
XXXX   10007284 XXXX Property Type propertyValuationPage Townhouse PUD Per Appraisal 
XXXX   10007284 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Lender did not include HOA Dues 
XXXX XXXX 9846214 XXXX Interest Rate notePage 7.625 7.7500 Per Note
XXXX XXXX 9846214 XXXX Calculated DSCR diligenceFinalLookPage 1.172 1.51 Per audit, lender used lower PITI
XXXX   9896436 XXXX Calculated DSCR diligenceFinalLookPage 1.047 1.0014 Lender used lower rental income than verified.
XXXX XXXX 9855595 XXXX Property Zip Code notePage XXXX XXXX Per Executed Note
XXXX XXXX 9807866 XXXX Property Address notePage XXXX XXXX Per Note.
XXXX XXXX 9917854 XXXX Property Type propertyValuationPage Condominium Two to Four Unit Per appraisal
XXXX   10100946 XXXX First Payment Date notePage XXXX XXXX Per Note
XXXX   10100946 XXXX Maturity Date notePage XXXX XXXX Per  Note
XXXX   10100946 XXXX Cash out Include Debt Paid at Close finalCdDetailPage XXXX XXXX Per CD
XXXX   10100946 XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Note
XXXX   10100946 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 37.66 32.64 Audit income slightly lower. Also, lender used old P&I from Prop 3B and prop was just refinanced w/new and higher P&I
XXXX   10007251 XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX per final cd
XXXX   10007486 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX As per final settlement statement
XXXX   10007540 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 15.32 12.06 Income/ Total debts+ Subject property loss+ Other REO loss. 
XXXX   10007541 XXXX Borrower 1 First Name notePage XXXX XXXX per Note
XXXX   10007541 XXXX Borrower 1 Last Name notePage XXXX XXXX per Note
XXXX   10007541 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX per CD
XXXX   10007541 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Lender did not include HOA
XXXX   10007424 XXXX Qualifying Amortization Term notePage 0 480 Per Note I/O fixed.
XXXX   10007424 XXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage XXXX XXXX per Settlement Stmt
XXXX   10007424 XXXX Property Type propertyValuationPage Two to Four Unit Attached Per Appraisal
XXXX   10007424 XXXX Qualifying FICO creditLiabilitiesPage 758 793 Per Credit report provided 
XXXX   10007450 XXXX Qualifying Amortization Term notePage 0 480 per Note I/O fixed.
XXXX   10007450 XXXX Property Type propertyValuationPage Two to Four Unit Attached Per Appraisal 
XXXX XXXX 9895774 XXXX Originator Doc Type employmentIncomePage 12 Month Bank Statement 24 Mo Bank Statement  Confirmed 12-month Bank Statement loan
XXXX XXXX 9976782 XXXX Loan Amount notePage XXXX XXXX Per note and CD
XXXX XXXX 10005719 XXXX Property Address notePage XXXX XXXX per note
XXXX XXXX 10005719 XXXX Lender Name notePage XXXX XXXX per note
XXXX XXXX 10005719 XXXX Property Type propertyValuationPage Condominium Single Family Detached Per Appraisal
XXXX XXXX 10005719 XXXX Calculated DSCR diligenceFinalLookPage 1.143 1.9995 Audit matches with Lender Calculation
XXXX XXXX 10026820 XXXX Property Type propertyValuationPage Townhouse PUD per apprasial
XXXX XXXX 10026820 XXXX Calculated DSCR diligenceFinalLookPage 1.049 1.06 Audit matches with Lender Calculation
XXXX XXXX 9895769 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 42.83 40.67 Audit calculated lower income
XXXX XXXX 9976785 XXXX Property Type propertyValuationPage Single Family Detached Two to Four Unit Per appraisal
XXXX XXXX 10005712 XXXX Property Type propertyValuationPage Townhouse PUD Per appraisal
XXXX XXXX 10005712 XXXX Calculated DSCR diligenceFinalLookPage 1.096 0.0 Audit matches with Lender Calculation
XXXX   10026607 XXXX Borrower 1 FTHB the1003Page true N per 1003
XXXX   10026607 XXXX Qualifying Total Reserves Number of Months assetPage 46.61 19.00 Per bank statements
XXXX   10026609 XXXX Borrower 1 Last Name notePage XXXX XXXX Per Note
XXXX   10026609 XXXX Qualifying Total Reserves Number of Months assetPage 12.14 15.00 Per asset statements in file
XXXX XXXX 9855598 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 24.02 27.87 Within 2% of Lender DTI on 1008
XXXX   10026490 XXXX Qualifying Total Reserves Number of Months assetPage 7.05 22.00 per bank statements
XXXX   10101270 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per HUD
XXXX   10101270 XXXX Primary Appraised Property Value propertyValuationPage XXXX XXXX Per appraisal.
XXXX   10101270 XXXX Qualifying LTV propertyValuationPage 79.96 80.00 Loan amount/ Appraised value.
XXXX   10101270 XXXX Qualifying CLTV propertyValuationPage 79.96 80.00 Loan amount/ Appraised value.
XXXX XXXX 10066010 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 23.2 36.62 DTI matches 1008
XXXX XXXX 9895770 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 41.44 45.00  Lender used different net rental income than what was verified 
XXXX XXXX 10085636 XXXX Originator Doc Type employmentIncomePage 2YR Full Doc 12 Mo Full Documentation 24 months income provided, UW reviewed 24 months. 
XXXX XXXX 10085636 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 38.78 43.58 Audit income lower and debt higher than 1008 in loan file
XXXX XXXX 10005702 XXXX Qualifying FICO creditLiabilitiesPage 724 698 Higher of the borrowers score is used as they are 50/50 owners 
XXXX XXXX 9807843 XXXX Originator Doc Type employmentIncomePage 24 Month Bank Statement 12 Month Bank Statement The tape states 12 months, however, the loan file bank statement analysis reflects 24 months. 
XXXX XXXX 9807843 XXXX Qualifying FICO creditLiabilitiesPage 761 760 Primary Wage Earner Score used
XXXX XXXX 9807843 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 44.31 26.91 Lender qualified at the incorrect start rate for the subject; lender used incorrect PITIA for primary.  Lender did not use any rental income for the subject.  Audit did (since lender did not qualify at the correct start rate)
XXXX XXXX 9976808 XXXX Borrower 2 First Name notePage XXXX XXXX Per note
XXXX XXXX 9976808 XXXX Borrower 2 Last Name notePage XXXX XXXX Per Note
XXXX XXXX 9976808 XXXX Property Type propertyValuationPage Condominium High Rise Condominium Per appraisal
XXXX XXXX 10026819 XXXX Loan Amount notePage XXXX XXXX Per Note
XXXX XXXX 10026819 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 17.92 30.00 Lender used incorrect start rate for subject. Lender counted 2 debts twice each. Lender did not offset subj PITI w/market rents
XXXX XXXX 10085645 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 25.97 44.27 Variance in REO income
XXXX   10026565 XXXX Total Qualifying Income employmentIncomePage 36450.54 30018.10 Matches revised 1008 received in stip.
XXXX   10026565 XXXX Borrower 1 Qualifying Income employmentIncomePage 18225.27 15009.05 Matches revised 1008 received in stip.
XXXX   10026565 XXXX Borrower 2 Qualifying Income employmentIncomePage 18225.27 15009.05 Matches revised 1008 received in stip.
XXXX   10026565 XXXX Qualifying Total Reserves Number of Months assetPage 7.38 7.00 Per bank statements
XXXX   10026565 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 51.29 49.92 Matches revised 1008 received in stip.
XXXX XXXX 10085632 XXXX Property Type propertyValuationPage Townhouse PUD Per appraisal
XXXX XXXX 10085635 XXXX Borrower 1 First Name notePage XXXX XXXX Per note
XXXX XXXX 10085635 XXXX Borrower 1 Last Name notePage XXXX XXXX Per note
XXXX XXXX 10005718 XXXX Property Type propertyValuationPage Condominium Single Family Detached Per appraisal
XXXX XXXX 10005718 XXXX Calculated DSCR diligenceFinalLookPage 1.024 1.326 Per audit & matches lender calc in file
XXXX   10026446 XXXX Total Qualified Assets Available For Reserves assetPage XXXX XXXX Per bank statements
XXXX XXXX 10085643 XXXX Property Type propertyValuationPage Townhouse PUD Appraiser states attached townhouse.
XXXX XXXX 10066012 XXXX Borrower 1 Last Name notePage XXXX XXXX Per note
XXXX XXXX 10066012 XXXX Borrower 1 First Name notePage XXXX XXXX Per note
XXXX XXXX 10066012 XXXX Lender Name notePage XXXX XXXX Per note
XXXX XXXX 10066012 XXXX Calculated DSCR diligenceFinalLookPage 1.038 1.0 DSCR calculation is the same as the lenders.
XXXX XXXX 10026838 XXXX Lender Name notePage XXXX XXXX Per Note
XXXX XXXX 10026838 XXXX Qualifying LTV propertyValuationPage 58.44 58.97 Per sales price/ in line with 1008
XXXX XXXX 10026838 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 20.92 30.15 Lender included REO negative rent in DTI, however REO's are ran through S/E
XXXX XXXX 10026834 XXXX Property Type propertyValuationPage Condominium Single Family Detached Per title and appraisal
XXXX XXXX 10026834 XXXX Calculated DSCR diligenceFinalLookPage 0 0.7 Not a DSCR loan
XXXX XXXX 10066011 XXXX Calculated DSCR diligenceFinalLookPage 1.317 1.375 STR/PITIA; Lender breakdown of the calculation not provided
XXXX   10101430 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per CD
XXXX   10101430 XXXX Primary Appraised Property Value propertyValuationPage XXXX XXXX Per Appraisal 
XXXX   10101430 XXXX Property Type propertyValuationPage Townhouse PUD Per Appraisal 
XXXX XXXX 10088636 XXXX Property Type propertyValuationPage Single Family Attached Single Family Detached Per appraisal 
XXXX XXXX 10085640 XXXX Lender Name notePage XXXX XXXX per Note
XXXX XXXX 10085640 XXXX Property Type propertyValuationPage Single Family Attached Single Family Detached Per appraisal
XXXX XXXX 10099440 XXXX Lender Name notePage XXXX XXXX Per Note
XXXX XXXX 10099440 XXXX Calculated DSCR diligenceFinalLookPage 1.098 1.3253 Audit matches Lender’s DSCR Calculation 
XXXX XXXX 10005699 XXXX Property City notePage XXXX XXXX Per note
XXXX XXXX 10005699 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 16.59 45.00 per 1008
XXXX XXXX 10005700 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 16.59 40.00 Audit used lower income. DTI in line with lender approval
XXXX XXXX 9694059 XXXX Loan Amount notePage XXXX XXXX Per Note
XXXX XXXX 9694059 XXXX Qualifying LTV propertyValuationPage 69.11 70.00 Per 1008
XXXX   10026522 XXXX Qualifying Total Reserves Number of Months assetPage 28.1 0.00 audit used cashout for reserves
XXXX XXXX 10085637 XXXX Calculated DSCR diligenceFinalLookPage 1.625 1.5912 Audit matches Lender’s DSCR Calculation 
XXXX XXXX 10066022 XXXX Calculated DSCR diligenceFinalLookPage 1.247 1.0 Audit matches Lender’s DSCR Calculation 
XXXX XXXX 10066014 XXXX Lender Name notePage XXXX XXXX Per Note in File
XXXX XXXX 10066014 XXXX Property Value propertyValuationPage XXXX XXXX Per Final 1003
XXXX XXXX 10066014 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 48.59 26.76 DTI matches 1008
XXXX XXXX 10026824 XXXX Lender Name notePage XXXX XXXX Per Note in FIle
XXXX XXXX 10026824 XXXX Property Type propertyValuationPage PUD Single Family Detached Per appraisal
XXXX XXXX 10026824 XXXX Calculated DSCR diligenceFinalLookPage 1.559 1.0 Per 1008 and lender's DSCR calc worksheet
XXXX XXXX 9976784 XXXX Calculated DSCR diligenceFinalLookPage 1.279 1.26 Audit used Market Rent/ PITIA.  Lender Calculation not provided
XXXX XXXX 10066019 XXXX Qualifying LTV propertyValuationPage 70.42 75.00 Per 1008
XXXX XXXX 10066013 XXXX Property Type propertyValuationPage PUD Single Family Detached Per appraisal, title
XXXX XXXX 10066013 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 48.53 16.11 Lender used 100% for S/E ownership.However per K-1, they are 50% owner.
XXXX XXXX 10085631 XXXX Property Type propertyValuationPage Townhouse Single Family Detached Per appraisal
XXXX XXXX 10099439 XXXX Interest Rate notePage 6.25 6.3750 per Note
XXXX XXXX 10099439 XXXX Calculated DSCR diligenceFinalLookPage 1.161 1.152 Matches lender DSCR calculations
XXXX XXXX 10066005 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 48.66 16.40 Audit DTI within 2% of Lender DTI on 1008
XXXX XXXX 10104469 XXXX Borrower 1 First Name notePage XXXX XXXX Per Note
XXXX XXXX 10104469 XXXX Borrower 1 Last Name notePage XXXX XXXX Per Note
XXXX XXXX 10104469 XXXX Property Type propertyValuationPage PUD Single Family Detached Per 1008 and PUD rider to DOT.
XXXX XXXX 10104469 XXXX Qualifying FICO creditLiabilitiesPage 782 763 Per credit report
XXXX XXXX 10099438 XXXX Loan Amount notePage XXXX XXXX Per note
XXXX XXXX 10099438 XXXX Property Type propertyValuationPage Condominium Single Family Detached Per appraisal
XXXX XXXX 10026812 XXXX Property Type propertyValuationPage Single Family Attached Two to Four Unit Property is Semi Detached SFR - Tape is incorrect
XXXX   10110972 XXXX Borrower 1 Qualifying Income employmentIncomePage 59669.82 59689.12 audit calculated a lower asset depletion income
XXXX   10110972 XXXX Qualifying Total Reserves Number of Months assetPage 23.53 281.00 per bank statements
XXXX   10110972 XXXX Total Qualified Assets Available For Reserves assetPage XXXX XXXX per bank statements
XXXX XXXX 10085627 XXXX Property Type propertyValuationPage Single Family Attached Single Family Detached Per appraisal
XXXX XXXX 10085644 XXXX Note Date notePage XXXX XXXX per note
XXXX XXXX 10085644 XXXX Property Value propertyValuationPage 385000 400000.00 per lower of two appraisals
XXXX XXXX 10085644 XXXX Property Type propertyValuationPage Single Family Attached Single Family Detached per appraisal
XXXX XXXX 10110703 XXXX Property Type propertyValuationPage Cooperative Single Family Detached Per 1008, Appraisal, and Bylaws in file.
XXXX XXXX 10110698 XXXX Note Date notePage XXXX XXXX per executed note
XXXX XXXX 10110698 XXXX Property Type propertyValuationPage Townhouse PUD Per appraisal townhouse
XXXX XXXX 10110698 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 29.01 26.57 Audit matches 1008
XXXX XXXX 10146812 XXXX Qualifying LTV propertyValuationPage 74.94 75.00 Loan amount/Sales price.
XXXX XXXX 10146812 XXXX Calculated DSCR diligenceFinalLookPage 0.855 0.84 Matches lender DSCR 
XXXX XXXX 10146811 XXXX Lender Name notePage XXXX XXXX per note
XXXX XXXX 10146811 XXXX Property Type propertyValuationPage PUD Single Family Detached Per Appraisal
XXXX XXXX 10110700 XXXX Note Date notePage XXXX XXXX Per Notary Date.
XXXX XXXX 10110700 XXXX Property Type propertyValuationPage Single Family Detached Two to Four Unit Per Appraisal.
XXXX XXXX 10151242 XXXX Note Date notePage XXXX XXXX Per Note
XXXX XXXX 10151242 XXXX Property Value propertyValuationPage XXXX XXXX True data is the earliest appraised value; Tape data reflects second appraisal used for LTV calculation.
XXXX XXXX 10110686 XXXX Property Value propertyValuationPage XXXX XXXX per appraisal value 
XXXX XXXX 10151249 XXXX Note Date notePage XXXX XXXX Audit utlized Notary date per client
XXXX XXXX 10151249 XXXX Borrower 1 First Name notePage XXXX XXXX Per Note
XXXX XXXX 10104477 XXXX Property Address notePage XXXX XXXX Per Note
XXXX XXXX 10162210 XXXX Property Type propertyValuationPage Single Family Detached Two to Four Unit Per appraisal subject is a Detached SFR
XXXX XXXX 10146804 XXXX Property Value propertyValuationPage XXXX XXXX Per Appraisal and 1008
XXXX XXXX 10156809 XXXX Calculated DSCR diligenceFinalLookPage 0.95 0.89 Matches Lender DSCR from worksheet
XXXX XXXX 10162221 XXXX Property Type propertyValuationPage Single Family Detached Two to Four Unit per appraisal 
XXXX XXXX 10162209 XXXX Note Date notePage XXXX XXXX Per notary date
XXXX XXXX 10162209 XXXX Property Type propertyValuationPage Single Family Detached Two to Four Unit Per appraisal
XXXX XXXX 10156814 XXXX Loan Amount notePage XXXX XXXX Per Note
XXXX XXXX 10156814 XXXX Qualifying LTV propertyValuationPage 73.94 74.47 Audit LTV = loan amt/sales price and matches Lender's 1008
XXXX XXXX 10156814 XXXX Qualifying FICO creditLiabilitiesPage 796 779 Mid score from credit report
XXXX XXXX 10162229 XXXX Property Address notePage XXXX XXXX per note
XXXX XXXX 10162229 XXXX Calculated DSCR diligenceFinalLookPage 0.801 0.835 Rental income/ PITIA.Variance due to higher insurance
XXXX XXXX 10200505 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 43.22 45.00 matches 1008
XXXX   10110782 XXXX B1 Credit Report Date creditLiabilitiesPage XXXX XXXX lender date is gap credit date
XXXX XXXX 10200431 XXXX Property Address notePage XXXX XXXX Per Note
XXXX XXXX 10200431 XXXX Property Type propertyValuationPage Condominium Single Family Detached Per Appraisal
XXXX XXXX 10162196 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 19.1 10.01 Audit DTI matches UW Memo/approval in file.
XXXX XXXX 10162197 XXXX Property Type propertyValuationPage Two to Four Unit Mixed Use Per appraisal
XXXX XXXX 10200482 XXXX Property City notePage XXXX XXXX per note
XXXX XXXX 10200482 XXXX Qualifying LTV propertyValuationPage 74.42 80.00 Per 1008 rounded.
XXXX XXXX 10200482 XXXX Property Type propertyValuationPage PUD Single Family Detached Per appraisal
XXXX XXXX 10217422 XXXX Qualifying FICO creditLiabilitiesPage 799 750 Primary wage earner credit score per guides 
XXXX XXXX 10110705 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 45.24 50.00 Audit matches Lender Final 1003 and 1008 figures.
XXXX XXXX 10200477 XXXX Qualifying LTV propertyValuationPage 63.18 64.00 Audit LTV matches Lender LTV on 1008
XXXX XXXX 10200477 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 30.34 47.00 Lender did not exclude all debt paid at close.