MORGAN STANLEY CAPITAL I INC. ABS-15G

Exhibit 99.4 - Schedule 4

 

Client Name:                              
Client Project Name: MSRM 2026-NQM8                            
Start - End Dates: 12/5/2025 - 4/24/2026                            
Deal Loan Count: 107                            
                                 
Rating Agency ATR QM Data Fields                          
                                 
Loans in Report:  107                          
                                 
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
10284740 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 38419 XXXXXX 6.8807 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10284714 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
10284719 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
10284721 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 4630 XXXXXX 6.543 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
10284722 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Employed (No Data) Permanent Resident Alien (No Data) (No Data) 0
10284744 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 7760.83 XXXXXX 8.5253 Employed (No Data) Permanent Resident Alien (No Data) (No Data) Yes 10167.89
10110827 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110915 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110832 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.99 Unemployed (No Data) Permanent Resident Alien (No Data) (No Data) (No Data) 0
10110835 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10110872 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110914 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110923 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10110863 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101418 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
10101248 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.9991 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101384 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101226 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101299 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101399 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
10101176 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) (No Data) (No Data) (No Data) 0
10101373 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101322 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 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
10101311 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.9991 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101499 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.625 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10101252 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101433 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101227 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101329 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101428 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101010 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 2233 XXXXXX 7.8987 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101502 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.2499 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10101296 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10100953 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 19013.92 XXXXXX 7.2708 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 90953.51
10101313 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.625 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101494 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
10101487 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
10101457 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101199 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.125 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101253 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101279 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.375 Unemployed Unemployed (No Data) Permanent Resident Alien (No Data) (No Data) 0
10101504 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10101505 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.5 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10101396 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101289 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101507 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10101439 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.125 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101032 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 6584 XXXXXX 8.0007 Employed (No Data) Non-Permanent Resident Alien (No Data) (No Data) No 0
10101348 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101306 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.9991 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101107 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.999 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101240 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101035 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 0 XXXXXX 6.3382 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 12380.42
10101307 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.8751 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101440 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.125 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101259 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101470 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101459 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101130 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.75 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10101365 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
10101267 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
10101463 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10101132 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101381 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Unemployed (No Data) Non-Permanent Resident Alien (No Data) (No Data) 0
10101483 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101341 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.125 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10101169 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101473 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101134 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.75 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101135 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.75 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101261 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed (No Data) Non-Resident Alien (No Data) (No Data) 0
10101358 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101139 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.999 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101140 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10101412 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.125 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101325 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101387 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101264 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
10101469 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10100985 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 7193.68 XXXXXX 7.5598 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 50006.29
10100988 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 9244 XXXXXX 7.2076 Unemployed (No Data) U.S. Citizen (No Data) (No Data) No 14041.49
10100989 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 12710.21 XXXXXX 7.6679 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10100990 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 25494 XXXXXX 7.0073 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
10101058 QM: Safe Harbor (APOR) No XXXXXX XXXXXX No Yes 20244 XXXXXX 7.6161 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101150 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101187 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.7501 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101188 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
10101154 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101061 QM: Rebuttable Presumption (APOR) No XXXXXX XXXXXX No Yes 16944 XXXXXX 7.7697 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101345 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
10101218 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
10100995 Non-QM: Lender documented all ATR UW factors No XXXXXX XXXXXX No No 14691.58 XXXXXX 6.7463 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101521 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10101522 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
10101523 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
10101302 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.5 Unemployed (No Data) Non-Permanent Resident Alien (No Data) (No Data) (No Data) 0
10101066 QM: Rebuttable Presumption (APOR) No XXXXXX XXXXXX No Yes 10840.88 XXXXXX 8.193 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
10101389 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.5 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101247 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
10101235 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101390 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.375 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
10101160 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.125 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101304 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
10217419 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.99 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
9976781 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Employed (No Data) U.S. Citizen (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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