MORGAN STANLEY CAPITAL I INC ABS-15G

Exhibit 99.4 - Schedule 4

 

Client Name:                            
Client Project Name:   MSRM 2026 May Securitization                          
Start - End Dates: 3/24/2025 - 3/26/2026                          
Deal Loan Count: 158                          
                                 
Rating Agency ATR QM Data Fields                          
                                 
Loans in Report:  158                          
                                 

 

Loan Number Loan Level ATR/QM Status Application Date Prior to 1/10/2014 Lender Application Date Broker Application Date GSE Eligible QRM Flag ATR/QM Total Points and Fees Rate Lock Date APR Bwr 1 Employment Indicator Bwr 2 Employment Indicator Bwr 1 Foreign National Indicator Bwr 2 Foreign National Indicator Borrowers Qualified Through a Non-Resident Alien Program Residual Income Analysis in File ATR/QM Residual Income
10104161 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10104167 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10026390 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 21507.95 XXXXXX 6.6772 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
10110804 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110824 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10026396 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10026401 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110810 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10026424 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10026425 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110870 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110774 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 68595 XXXXXX 6.7163 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10026485 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10026489 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10026503 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110977 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10026560 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10026571 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10026614 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10026623 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10026624 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.9901 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10026626 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.9901 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10026627 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 10590 XXXXXX 7.9235 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10026629 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.9901 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10026636 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 12827.95 XXXXXX 7.6711 Employed Retired U.S. Citizen U.S. Citizen (No Data) No 8398.97
10026638 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110920 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed (No Data) Non-Permanent Resident Alien (No Data) (No Data) (No Data) 0
10110927 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110917 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110838 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110771 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 12686.88 XXXXXX 9.0435 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10110885 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.5 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110813 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.5 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110851 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110926 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110890 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110910 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110866 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110823 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110873 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110888 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110858 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110837 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110829 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.5 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110941 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.375 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110930 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10110904 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.375 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110812 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.5 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10110908 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110846 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110777 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 14646.4 XXXXXX 8.9309 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10110880 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110921 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) Permanent Resident Alien (No Data) (No Data) 0
10110877 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110808 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110849 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110868 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110968 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 11503.15 XXXXXX 7.3533 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10110919 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110912 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110960 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110963 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.3749 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110766 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 18334.03 XXXXXX 6.8458 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10110840 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110806 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110953 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110825 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110970 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 9744.37 XXXXXX 6.9232 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 5414.74
10110789 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 20845 XXXXXX 6.3912 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10110778 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 2620.74 XXXXXX 6.9961 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
10110820 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.49 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110818 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.375 Unemployed Unemployed (No Data) Permanent Resident Alien (No Data) (No Data) 0
10110925 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.49 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110956 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10110764 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Employed Unemployed U.S. Citizen (No Data) (No Data) (No Data) 0
10110767 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 15613 XXXXXX 6.6305 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
10110948 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.49 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110776 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10110785 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 24945.1 XXXXXX 6.5647 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10110798 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 21855 XXXXXX 6.6562 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
10110802 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
9101344 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 11607.75 XXXXXX 9.7704 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
9246646 QM: Rebuttable Presumption (APOR) No XXXXXX XXXXXX No Yes 7170.5 XXXXXX 8.4841 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
9362352 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101272 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101497 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10007454 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101265 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10007522 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.125 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10007513 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10007523 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10007429 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10007509 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10007240 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 11608.71 XXXXXX 8.8048 Employed (No Data) U.S. Citizen (No Data) (No Data) No 7790.43
10007500 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10007241 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 16560.72 XXXXXX 7.4356 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10007245 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 13275 XXXXXX 9.294 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101002 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 5704.94 XXXXXX 9.5863 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10007247 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 14051.3 XXXXXX 6.8655 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10007277 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 17983.38 XXXXXX 8.9466 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10007278 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 36024 XXXXXX 7.7658 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 14806.37
10007525 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Employed (No Data) Permanent Resident Alien (No Data) (No Data) 0
10007526 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10007529 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10007530 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10007531 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10007250 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 9467.72 XXXXXX 6.9408 Employed Unemployed Permanent Resident Alien Permanent Resident Alien (No Data) No 0
10007532 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10007331 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10007462 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10100950 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 19969 XXXXXX 7.7722 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 38718.98
10007433 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10007295 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 751.5 XXXXXX 6.4896 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10007296 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 72264 XXXXXX 7.3408 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10007257 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 7198.81 XXXXXX 8.8805 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10007508 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10007534 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Employed (No Data) Permanent Resident Alien (No Data) (No Data) 0
10007298 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 53109.46 XXXXXX 8.4002 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10007350 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10007299 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 11324.5 XXXXXX 8.282 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
10007535 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10007451 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10007369 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.2499 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10007537 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10007262 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 11554 XXXXXX 6.4648 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10007362 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10007371 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5001 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10007265 QM: Rebuttable Presumption (APOR) No XXXXXX XXXXXX No Yes 19793.38 XXXXXX 8.1537 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101221 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10007505 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101163 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101033 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 15054 XXXXXX 7.6182 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
10101165 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10007364 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101166 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10007538 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.125 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10007539 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Employed (No Data) Permanent Resident Alien (No Data) (No Data) (No Data) 0
10101368 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Unemployed U.S. Citizen Permanent Resident Alien (No Data) (No Data) 0
10007268 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 44064 XXXXXX 7.2608 Unemployed (No Data) U.S. Citizen (No Data) (No Data) No 0
10007304 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 9126.81 XXXXXX 7.189 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 13266.78
10101442 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101374 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10100974 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 2465.08 XXXXXX 7.2767 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101285 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101202 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.125 Unemployed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10101047 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 10338.77 XXXXXX 7.8975 Employed (No Data) U.S. Citizen (No Data) (No Data) No 68895.17
10101291 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.2499 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101109 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101516 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10100993 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 49744 XXXXXX 7.5096 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101342 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101432 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
9694043 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10026652 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
9388862 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
9768912 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 5450.13 XXXXXX 7.2617 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
10200499 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10217425 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
 


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MORGAN STANLEY CAPITAL I INC ABS-15G

Exhibit 99.2 - Schedule 2