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 9212935 XXXX Property Type propertyValuationPage PUD Single Family Detached Per Appraisal.  
XXXX XXXX 9212935 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 45.53 41.85 DTI inline with 1008  
XXXX   10101095 XXXX Qualifying Total Reserves Number of Months assetPage 6.05 19.00 All assets provided were used.   
XXXX   10101097 XXXX Qualifying Total Reserves Number of Months assetPage 353.94 367.00 All assets provided were used   
XXXX   10101097 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Audit figure Includes HOA dues  
XXXX   10100962 XXXX Borrower 1 Last Name notePage XXXX XXXX Per Note  
XXXX   10100941 XXXX Qualifying Amortization Term notePage 360 480 Audit value is term after the I/O period.  
XXXX   10100941 XXXX Primary Appraised Property Value propertyValuationPage XXXX XXXX 2 Full Appraisals - Lower Value used for LTV  
XXXX   10100941 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Start rate at fully amortized payment per Qualifying Terms for note screen data sheet. 
XXXX   10100941 XXXX Qualifying Total Reserves Number of Months assetPage 16.36 13.00 All assets provided were used.   
XXXX   10101116 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX per Settlement Statement  
XXXX   10101116 XXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage 29272.47 -33414.54 per Settlement Statement  
XXXX   10101106 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Lender used a higher amount for RE taxes that was not provided  
XXXX XXXX 9917867 XXXX Property Type propertyValuationPage PUD Single Family Detached Per appraisal  
XXXX XXXX 9917867 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 21.19 23.32 Variance due to lower income  
XXXX   10101007 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 47.03 49.97 Audit excluded a paid auto loan   
XXXX   10100969 XXXX Qualifying Total Reserves Number of Months assetPage 26.41 6.00 Per assets  
XXXX   10100964 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Lender did not include HOA  
XXXX   10101055 XXXX Qualifying Total Reserves Number of Months assetPage 11.62 11.00 Verified with assets in file  
XXXX   10101114 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX per estimated settlement statement   
XXXX   10101114 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX includes HOA   
XXXX   10101053 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Lender did not include HOA  
XXXX   10101053 XXXX Qualifying Total Reserves Number of Months assetPage 44.22 16.00 Per assets  
XXXX   10100982 XXXX Qualifying Total Reserves Number of Months assetPage 10.09 7.00 All assets provided were used.   
XXXX   10101030 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Lender did not include HOA  
XXXX   10101030 XXXX Qualifying Total Reserves Number of Months assetPage 14.29 14.00 Per CD cash to borrower  
XXXX   10026498 XXXX Calculated DSCR diligenceFinalLookPage 1.185 1.1686 Lease/ PITIA  
XXXX   10101021 XXXX Qualifying FICO creditLiabilitiesPage 662 660 Per credit report  
XXXX   10101021 XXXX Qualifying Total Reserves Number of Months assetPage 20.89 8.00 Per verified assets  
XXXX   10101021 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 50.07 49.66 Audit's bonus amount is lower  
XXXX   10101500 XXXX Property Type propertyValuationPage Townhouse PUD Per Appraisal   
XXXX   10101500 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Lender did not include HOA  
XXXX   10101102 XXXX Qualifying Total Reserves Number of Months assetPage 6.63 103.00 All assets provided were considered.   
XXXX   10101110 XXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage 82428.08 -197072.09 per settlement  
XXXX   10110855 XXXX Qualifying Total Reserves Number of Months assetPage 95.3 0.00 audit used cashout for reserves  
XXXX   10110855 XXXX Calculated DSCR diligenceFinalLookPage 2.05 2.0716 Difference is due to the flood insurance monthly amount verified higher  
XXXX XXXX 10146803 XXXX Calculated DSCR diligenceFinalLookPage 1.039 1.0 Audit used Actual Rent/ PITIA.  Lender Calculation not provided  
XXXX XXXX 10088637 XXXX Calculated DSCR diligenceFinalLookPage 1.298 1.5222 matches approval  
XXXX XXXX 10088638 XXXX Calculated DSCR diligenceFinalLookPage 1.227 1.6351 Matches 1008  
XXXX   10110815 XXXX B1 Credit Report Date creditLiabilitiesPage XXXX XXXX Per credit report provided  
XXXX   10110815 XXXX Qualifying Total Reserves Number of Months assetPage 0.46 0.00 Per Assets   
XXXX   10110901 XXXX Qualifying Total Reserves Number of Months assetPage 24.4 1.00 Using Cash out for reserves  
XXXX XXXX 10110693 XXXX Calculated DSCR diligenceFinalLookPage 1.618 1.49 Lender used a lower rent to calculate DSCR  
XXXX XXXX 10110694 XXXX Qualifying FICO creditLiabilitiesPage 752 742 As per credit report.   
XXXX XXXX 10110694 XXXX Calculated DSCR diligenceFinalLookPage 1.678 1.25 1007/PITIA.Lender did not provided calculation  
XXXX XXXX 10110695 XXXX Qualifying FICO creditLiabilitiesPage 752 742 Per credit report.   
XXXX XXXX 10110695 XXXX Calculated DSCR diligenceFinalLookPage 1.679 1.57 Lender used a lower rent figure based on 1008  
XXXX XXXX 10110704 XXXX Lender Name notePage XXXX XXXX Per Note  
XXXX XXXX 10110704 XXXX Qualifying FICO creditLiabilitiesPage 752 742 Per credit report  
XXXX   10110845 XXXX Total Qualified Assets Available For Reserves assetPage 3603.55 4958.08 per bank satatements  
XXXX   10110845 XXXX Qualifying Total Reserves Number of Months assetPage 2.19 3.00 per bank statements  
XXXX XXXX 10146807 XXXX Borrower 1 First Name notePage XXXX XXXX Per Note  
XXXX XXXX 10146807 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 34.35 44.60  Lender including the prim res pmt twice in the DTI.  
XXXX XXXX 10104477 XXXX Property Address notePage XXXX XXXX Per Note  
XXXX XXXX 10156806 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 20.41 17.07 Audit matches Lender Final 1003 and 1008 figures.  
XXXX XXXX 10162210 XXXX Property Type propertyValuationPage Single Family Detached Two to Four Unit Per appraisal subject is a Detached SFR  
XXXX XXXX 10156809 XXXX Calculated DSCR diligenceFinalLookPage 0.95 0.89 Matches Lender DSCR from worksheet  
XXXX XXXX 10162216 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 45.57 49.46 Lender used a higher negative rent vs verified amount  
XXXX XXXX 10162221 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 10200431 XXXX Property Address notePage XXXX XXXX Per Note  
XXXX XXXX 10200431 XXXX Property Type propertyValuationPage Condominium Single Family Detached Per Appraisal  
XXXX XXXX 10162206 XXXX Lender Name notePage XXXX XXXX Per Note  
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 10217438 XXXX Note Date notePage XXXX XXXX Per Note  
XXXX XXXX 10217438 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 22.06 18.38 Matches lenders 1008  
XXXX XXXX 10200501 XXXX Note Date notePage XXXX XXXX Per note  
XXXX XXXX 10200501 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 31.15 37.55 Due to Lenders 1008 has incorrect P&I   
XXXX XXXX 10200456 XXXX Calculated DSCR diligenceFinalLookPage 0 0.83 Not DSCR loan, 12 month bank statements provided  
XXXX XXXX 10200457 XXXX Calculated DSCR diligenceFinalLookPage 0 0.82 Loan is a 12 month bank statement not DSCR  
XXXX XXXX 10200458 XXXX Borrower 1 Last Name notePage XXXX XXXX Per Note  
XXXX XXXX 10200458 XXXX Property Type propertyValuationPage Condominium High Rise Condominium per appraisal