MORGAN STANLEY CAPITAL I INC. ABS-15G

 

Exhibit 99.3 - Schedule 4

 

Loan ID Seller Loan ID Redaction ID Lender Application Date Originator QM Status Final QM Status Originator QM Status Difference than Final QM Status? Reason Why NonQM Final Status APR Pricing Threshold Exceeded? QM DTI Threshold Exceeded? Higher Priced Mortgage Loan (HPML)? Negatively Amortizing Loan? Principal Deferment? Interest Only Flag? Prepayment Penalty? Balloon Flag? Adjustable Rate Balloon? Loan Term Less Than 5 Years? QM Points and Fees Threshold Exceeded? QM Total Points and Fees APR ATR: Qualifying Payment Properly Considered? ATR: Current Employment/Self-Employment Verified? ATR: Balloon Qualifying Payment Properly Considered? ATR: Reasonable Income or Assets Considered? ATR: Subject PITIA Adequately Documented? ATR: All Liabilities Including Alimony and Child Support in DTI? ATR: Simultaneous Loan Calculated Properly ATR: Credit History was Considered Properly? ATR: Did Lender Document All ATR Factors? ATR: Was an ATR/QM Residual Income Analysis Provided? Residual Income Residual Income Meets Guidelines? Borrower 1 Employment Indicator Borrower 2 Employment Indicator Borrower 1 Foreign National Indicator Borrower 2 Foreign National Indicator Business Purpose Loan? Business Purpose Verified?
XXXX XXXX 9243498 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A Yes N/A N/A         No   Yes Present
XXXX XXXX 9212935 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 4143.16 7.381 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 2737.97 Yes Employed   No   No  
XXXX XXXX 9956977 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 61890 7.697 Yes Yes N/A Yes Yes N/A N/A Yes N/A N/A 230943.2 Yes Employed   No   No  
XXXX   10101095 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX   10101097 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX   10100962 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 27731.5 7.18 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 12261.02 Yes Employed Not Employed No No No  
XXXX   10100941 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 65494 7.185 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 95497.41 Yes Employed   No   No  
XXXX   10100949 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 11869 7.126 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 27846.32 Yes Employed Not Employed No No No  
XXXX   10101116 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A Yes Yes         No   Yes Present
XXXX   10101106 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
XXXX XXXX 9917867 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No No No No No No No No No No Yes 6637.5 6.747 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes 6341.01 Yes Not Employed   No   No  
XXXX   10101007 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes No No No No No No No No Yes 38900.25 7.996 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13241.71 Yes Not Employed   No   No  
XXXX   10100969 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 27029.69 7.917 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 166450.72 Yes Employed   No   No  
XXXX   10101511 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 18981.04 Yes Employed   No   Yes Present
XXXX   10100964 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No Yes No No No No No No No No No 7801.6 7.09 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 4252.64 Yes Employed Employed No No No  
XXXX   10101055 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes No Yes No No No No No No No No 16512.75 8.564 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 13186.48 Yes Employed   No   No  
XXXX   10101114 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 10026837 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 14358.94 Yes Employed Employed No No Yes Present
XXXX   10100979 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 21744 7.264 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 77364.8 Yes Employed   No   No  
XXXX   10101053 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 33402.88 6.898 N/A Yes N/A Yes Yes Yes N/A Yes Yes Yes 101836.4 Yes Employed   No   No  
XXXX   10101028 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 18445.25 8.087 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 31201.27 Yes Employed   No   No  
XXXX   10100982 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 18244 6.349 Yes Yes N/A Yes Yes Yes N/A No Yes Yes 14743.69 Yes Employed   No   No  
XXXX   10101112 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX   10101030 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No QM Points and Fees Exceeded No Yes Yes No No No No No No No Yes 16369 8.097 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 9356.26 Yes Employed Employed No No No  
XXXX   10026498 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX   10101021 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No APOR Threshold Yes Yes Yes No No No No No No No Yes 29839 9.369 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 11200.9 Yes Employed   No   No  
XXXX   10101500 XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 29525.97 N/A Employed   No   Yes Present
XXXX   10101102 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX   10101110 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX   10101518 XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A Yes N/A 9481.39 Yes Employed   No   Yes Present
XXXX   10110814 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 10104472 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX   10110855 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 10146803 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 10110697 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A Yes N/A N/A         No   Yes Present
XXXX XXXX 10099443 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 10104467 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 10088637 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 10088638 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX   10110847 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX   10110765 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 2095 7.19 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 98594.68 N/A Employed   No   No  
XXXX XXXX 10146800 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 10151247 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 10110701 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 10156813 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX   10110815 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX   10110819 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 10085642 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 10151245 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX   10110901 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 10110693 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 10110694 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 10110695 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A Yes N/A N/A         No   Yes Present
XXXX XXXX 10110704 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX   10110845 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 10146808 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 10146807 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 12355.63 Yes Employed Employed No No Yes Present
XXXX XXXX 10104477 XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No No No No No No No No No Not Tested     N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 10156806 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 11584.69 Yes Employed   No   Yes Present
XXXX XXXX 10162210 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A Yes N/A Yes N/A N/A 42117.42 Yes Employed   No   Yes Present
XXXX XXXX 10156809 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 10110696 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 21905.65 Yes Employed Employed No No Yes Present
XXXX XXXX 10179762 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 14648.31 Yes Employed   No   Yes Present
XXXX XXXX 10162216 XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 3519.35 Yes Retired   No   Yes Present
XXXX XXXX 10146810 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes No No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 22054.7 Yes Employed   No   Yes Present
XXXX XXXX 10162217 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 11936.69 Yes Employed Not Employed No No Yes Present
XXXX XXXX 10162221 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 133691.72 Yes Employed   No   Yes Present
XXXX XXXX 10156814 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
XXXX XXXX 10162220 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 39222.97 Yes Employed   No   Yes Present
XXXX XXXX 10200431 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 0 6.255 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 185157.23 N/A Employed   No   No  
XXXX XXXX 10162206 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 14941.99 Yes Employed Employed No No Yes Present
XXXX XXXX 10161167 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 3247.36 7.071 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 40709.7 Yes Employed   No   No  
XXXX XXXX 10179748 XXXX ATR/QM: Exempt ATR/QM: Exempt No     Yes   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 29662.66 Yes Employed   No   Yes Present
XXXX XXXX 10200482 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 30049.34 Yes Not Employed   No   Yes Present
XXXX XXXX 10217438 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 282650.65 Yes Employed   No   Yes Present
XXXX XXXX 10200501 XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No Interest Only No No No No No Yes No No No No No 1590 6.886 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 54705.84 Yes Employed   No   No  
XXXX XXXX 10200456 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A Yes N/A N/A N/A N/A 430386.64 Yes Employed   No   Yes Present
XXXX XXXX 10200457 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A Yes N/A Yes N/A Yes N/A N/A N/A N/A 430336.64 Yes Employed   No   Yes Present
XXXX XXXX 10220196 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 9770 7.609 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes 6562.37 Yes Employed Employed No No No  
XXXX XXXX 10200495 XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A Yes N/A N/A Yes Yes 91605.9 Yes Employed   No   Yes Present
XXXX XXXX 10200458 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 0 6.5 Yes Yes N/A Yes Yes Yes Yes Yes Yes Yes 429541.02 Yes Employed   No   No  
XXXX XXXX 10220147 XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) No   No No No No No No No No No No No 1690 7.428 Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A 10066.3 Yes Employed   No   No