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   10101360 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX per settlement statement  
XXXX   10101360 XXXX Qualifying Total Reserves Number of Months assetPage 23.9 62.00 per bank statements  
XXXX   10101498 XXXX Qualifying Total Reserves Number of Months assetPage 62.73 236.00 Reduced reserves to 50% to allow for reserves for other loan closing at the same time.  
XXXX   10101420 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX As per final settlement   
XXXX   10101328 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per Settlement Statement  
XXXX   10101238 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per HUD  
XXXX   10101238 XXXX Property Type propertyValuationPage Townhouse PUD Per Appraisal   
XXXX   10101238 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Lender did not include HOA dues   
XXXX   10101238 XXXX Calculated DSCR diligenceFinalLookPage 1.09 1.08 Lender did not include HOA dues   
XXXX   10101323 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per settlement statement    
XXXX   10101323 XXXX Qualifying Total Reserves Number of Months assetPage 0.96 5.00 Per CD cash to borrower. No other assets provided  
XXXX   10101323 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Lender did not Include HOA  
XXXX   10101508 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 13.19 10.41 Unable to determine as Lender did not provide breakdown  
XXXX   10101491 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX per Settlement Stateent  
XXXX   10101491 XXXX Qualifying CLTV propertyValuationPage 71.22 75.00 appraised value; lender used sales price/appraised value at time of purchase 12 months ago.
XXXX   10101491 XXXX Qualifying LTV propertyValuationPage 71.22 75.00 appraised value; lender used sales price/appraised value at time of purchase 12 months ago.
XXXX   10101491 XXXX Primary Appraised Property Value propertyValuationPage XXXX XXXX appraised value; lender used sales price/appraised value at time of purchase 12 months ago.
XXXX   10101491 XXXX Qualifying Total Reserves Number of Months assetPage 13.13 18.00 All assets provided were used. Asset data on 1003 dated.   
XXXX   10101491 XXXX Calculated DSCR diligenceFinalLookPage 1.729 2.15 STR 80% calculation not completed at origination  
XXXX   10101383 XXXX Qualifying Amortization Term notePage 0 480 Per note  
XXXX   10101383 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per settlement sttment  
XXXX   10101351 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Includes HOA   
XXXX   10101351 XXXX Qualifying Total Reserves Number of Months assetPage 54.74 63.00 All assets provided were considered. EMD cleared after last date of Bank Statements.   
XXXX   10101223 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per Final CD   
XXXX   10101407 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per HUD  
XXXX   10101407 XXXX Qualifying Total Reserves Number of Months assetPage 15.78 15.00 confirmed via assets provided  
XXXX   10101147 XXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage 33611.24 -218954.83 Per HUD in the file  
XXXX   10101045 XXXX Qualifying Total Reserves Number of Months assetPage 14.09 17.00 All assets provided were used.   
XXXX   10101045 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Includes HOA of but front ratio matches tape exactly  
XXXX   10101472 XXXX Qualifying Total Reserves Number of Months assetPage 71.61 71.00 All assets used were considered.   
XXXX   10101339 XXXX Property Type propertyValuationPage Single Family Detached PUD Per appraisal  
XXXX   10101462 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per CD  
XXXX   10101468 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Lender did not include HOA  
XXXX   10101468 XXXX Qualifying Total Reserves Number of Months assetPage 17.58 5.00 Verified assets   
XXXX   10101468 XXXX Calculated DSCR diligenceFinalLookPage 1.693 1.66 Lender did not include HOA  
XXXX   10101364 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per final closing statement  
XXXX   10101131 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX per Settlement  
XXXX   10101131 XXXX Qualifying Total Reserves Number of Months assetPage 7.66 5.00 All assets provided were used.   
XXXX   10101513 XXXX Primary Appraised Property Value propertyValuationPage 71.22 XXXX Subject was listed for sale last 6 months, using lowest listing price   
XXXX   10101513 XXXX Qualifying Total Housing Expense PITIA diligenceFinalLookPage XXXX XXXX Audit includes HOA  
XXXX   10101513 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 29.33 27.03 Audit calculated lower income  
XXXX   10101513 XXXX Qualifying Housing Debt Income Ratio diligenceFinalLookPage 10.06 7.71 Audit calculated lower income  
XXXX   10101336 XXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage 42086.95 -46920.31 Per HUD  
XXXX XXXX 10026822 XXXX Property Type propertyValuationPage Single Family Detached Two to Four Unit Per appraisal  
XXXX   10101287 XXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage 205501.48 -199421.16 per final HUD  
XXXX   10101287 XXXX Qualifying FICO creditLiabilitiesPage 764 768 higher score expired. lower score is from new credit report.   
XXXX   10101438 XXXX Cash out Include Debt Paid at Close closingDetailsNonCompliancePage 48986.06 -90153.17 Per Settlement Stmt  
XXXX   10101438 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per Settlement Stmt  
XXXX   10101481 XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per settlement statement  
XXXX   10101481 XXXX Calculated DSCR diligenceFinalLookPage 1.875 1.87 Due to rounding  
XXXX XXXX 10066023 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 48.59 26.17 Audit DTI within 2% of Lender DTI on 1008  
XXXX XXXX 10146802 XXXX Calculated DSCR diligenceFinalLookPage 1.106 1.25 Variance due to P&I  
XXXX XXXX 10110692 XXXX Calculated DSCR diligenceFinalLookPage 1.678 1.4 Lender used a lower rent income than actual/market rent  
XXXX XXXX 10156817 XXXX Property City notePage 71.22 XXXX Per Note  
XXXX XXXX 10156816 XXXX Property Address notePage 71.22 XXXX Per executed Note in file  
XXXX XXXX 10146804 XXXX Property Value propertyValuationPage 71.22 XXXX Per Appraisal and 1008  
XXXX XXXX 10162208 XXXX Calculated DSCR diligenceFinalLookPage 1.382 1.7554 Matches Lender DSCR from UW Memo  
XXXX XXXX 10162194 XXXX Calculated DSCR diligenceFinalLookPage 1.035 1.3194 Audit matches Lender DSCR Calculation.  
XXXX XXXX 10151248 XXXX Property Address notePage 71.22 XXXX Per Note  
XXXX XXXX 10162213 XXXX Borrower 1 Last Name notePage 71.22 XXXX Per Note  
XXXX XXXX 10200455 XXXX Calculated DSCR diligenceFinalLookPage 1.32 1.29 Matches 1008  
XXXX XXXX 10210130 XXXX Property City notePage 71.22 XXXX per Note  
XXXX XXXX 10210130 XXXX Property Address notePage 71.22 XXXX per Note  
XXXX XXXX 10179753 XXXX Calculated DSCR diligenceFinalLookPage 1.007 1.0 Audit DSCR matches Lender DSCR from Worksheet/1008  
XXXX XXXX 10156807 XXXX Calculated DSCR diligenceFinalLookPage 1.026 1.0 Lease/PITIA.   
XXXX XXXX 10217422 XXXX Qualifying FICO creditLiabilitiesPage 799 750 Primary wage earner credit score per guides   
XXXX XXXX 10217434 XXXX Note Date notePage XXXX XXXX per note  
XXXX XXXX 10217434 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 13.76 21.18 Lender included self reported debt, which is not required  
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.  
XXXX XXXX 10210149 XXXX Note Date notePage XXXX XXXX NOTE  
XXXX XXXX 10210149 XXXX Property Address notePage 71.22 XXXX NOTE  
XXXX XXXX 10210149 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 26.6 21.34 Lender omitted the payment for REO 3e without documented support to do so.   
XXXX XXXX 10217445 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 17.29 12.44 Due to large deposit for income not sourced.   
XXXX XXXX 10217440 XXXX Note Date notePage XXXX XXXX Per Note  
XXXX XXXX 10233114 XXXX Note Date notePage XXXX XXXX Per note  
XXXX XXXX 10210161 XXXX Property Address notePage 71.22 XXXX Note  
XXXX XXXX 10210161 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 45.95 49.64 discrepancy on subject neg cash flow  
XXXX XXXX 10179750 XXXX Borrower 1 Last Name notePage 71.22 XXXX ID & Note  
XXXX XXXX 10217444 XXXX Note Date notePage XXXX XXXX PER NOTE DATE.   
XXXX XXXX 10217444 XXXX Property Value propertyValuationPage 71.22 XXXX PER 1008.  
XXXX XXXX 10217444 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 29.68 32.32 Audit matches final 1008  
XXXX XXXX 10224707 XXXX Property Type propertyValuationPage PUD Single Family Detached Per Appraisal.  
XXXX XXXX 10224707 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 42.67 50.00 With-in 2% of 1008.   
XXXX XXXX 10200507 XXXX Property Type propertyValuationPage Single Family Detached PUD Per Appraisal.  
XXXX XXXX 10284720 XXXX Investor Loan ID overrideTrueData XXXX XXXX    
XXXX XXXX 10224726 XXXX Note Date notePage XXXX XXXX Per Note  
XXXX XXXX 10224726 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 0 39.63 No DTI Asset Utilization program  
XXXX XXXX 10262945 XXXX Property Address notePage 71.22 XXXX per Note  
XXXX XXXX 10262945 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 10.07 23.87 Within 2% of Lender DTI on 1008  
XXXX XXXX 10200486 XXXX Qualifying LTV propertyValuationPage 67.12 70.00 Matches 1008  
XXXX XXXX 10200486 XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 47.25 49.89 Matches 1008