MORGAN STANLEY CAPITAL I INC. ABS-15G

Exhibit 99.5 - Schedule 5

 

MSID Loan ID Field Name Verified Value Bid Tape Value Comment
9857420 XXXXX Property Value $XXX $XXX Using Purchase price as XXX since it is lower than the appraised value
9857420 XXXXX Sales Price XXX XXX  
9857420 XXXXX Qualifying All Borrower Residual Income XXX XXX Per monthly income less all debts
10084721 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Per Initial 1003
10084721 XXXXX Credit QM/ATR Designation XXX XXX Per Loan Approval
10084889 XXXXX Borrower 1 First Name XXX XXX Updated per note
10084889 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Updated Per Initial 1003
10084889 XXXXX Credit QM/ATR Designation XXX XXX Updated per income type
10084889 XXXXX Qualifying Total Debt Income Ratio XXX XXX Updated per income and liabilities - slight difference in rounding or a debt amount to shift the DTI, still qualifies under DTI max.
10084956 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Per Inital 1003
10084956 XXXXX Credit QM/ATR Designation XXX XXX Per Loan Approval
10084956 XXXXX Qualifying Total Debt Income Ratio XXX XXX Per income and debt calculation
10110073 XXXXX Property County XXX XXX Verified to Deed
10110073 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Verified to LO signature initial 1003
10110073 XXXXX Qualifying All Borrower Residual Income XXX XXX Based on verified income and total debts
10161161 XXXXX Property Value $XXX $XXX Using Purchase price as XXX since it is lower than the appraised value
10161161 XXXXX Qualifying All Borrower Residual Income XXX XXX Per monthly income less all debts
10179316 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Verified by the initial 1003.
10179316 XXXXX Credit QM/ATR Designation XXX XXX Updated as per deal guide
10179380 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Per Initial 1003
10179380 XXXXX Credit QM/ATR Designation XXX XXX Per Loan Approval
10179380 XXXXX Loan Product Type XXX XXX Per Note
10179402 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX XXX/XXX/XXX, Per Initial 1003.
10179402 XXXXX Credit QM/ATR Designation XXX XXX Non QM, per Loan Approval.
10179451 XXXXX Closing/Settlement Date XX/XX/XXXX XX/XX/XXXX Compliance.
10179451 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Verified by the initial 1003.
10179451 XXXXX Credit QM/ATR Designation XXX XXX Verified by the guidelines.
10220070 XXXXX ULI XXX XXX Verified with the Final 1003.
10220070 XXXXX Property Value $XXX $XXX Verified with the appraisal, the lower purchase price used to qualify,
10220070 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Verified with the initial 1003.
10220070 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statement.
10220070 XXXXX Qualifying All Borrower Residual Income XXX XXX verified with the income and liabilities.
10220088 XXXXX Property Value $XXX $XXX value vs XXX
10220088 XXXXX Property Type XXX XXX pg.XXX confirms Condo
10220088 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified assets on file
10220088 XXXXX Qualifying All Borrower Residual Income XXX XXX residual required XXX
10220115 XXXXX Qualifying FICO XXX XXX  
10220115 XXXXX Qualifying Total Reserves Number of Months XXX XXX Updated as per latest asset document.
10220115 XXXXX Qualifying All Borrower Residual Income XXX XXX Income less expenses
10220123 XXXXX MIN No XXX XXX XXX Updated as Per Deed of Trust.
10220123 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statement and cash out..
10220123 XXXXX Qualifying All Borrower Residual Income XXX XXX Verified with the Income and liabilities.
10220127 XXXXX Verified Doc Type XXX XXX Verified with the approval.
10220127 XXXXX Qualifying All Borrower Residual Income XXX XXX Verified with the Income and liabilities.
10220129 XXXXX MIN No XXX XXX MINNo found on Deed of Trust
10220129 XXXXX Qualifying CLTV XXX XXX LTV and CLTV calculated using new first mortgage amount of $XXX/Value of $XXX=XXX%
10220129 XXXXX Qualifying LTV XXX XXX LTV and CLTV calculated using new first mortgage amount of $XXX/Value of $XXX=XXX%
10220129 XXXXX Qualifying All Borrower Residual Income XXX XXX Residual income $XXX-Total monthly expenses of $XXX=XXX
10220133 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified asset Statement on fike
10220133 XXXXX Qualifying All Borrower Residual Income XXX XXX Residual income not required
10220145 XXXXX Property Value $XXX $XXX Verified to appraised value vs purchase price
10220145 XXXXX Verified Doc Type XXX XXX Verified to qualifying income docs
10220145 XXXXX Property Type XXX XXX Verified to appraisal
10220145 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified to assets
10220145 XXXXX Qualifying All Borrower Residual Income XXX XXX Based on verified income and total debts
10220148 XXXXX Property County XXX XXX Confirmed on appraisal.
10220148 XXXXX Sales Price XXX XXX Confirmed XXX purchase price and XXX value.
10220148 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Confirmed on earliest dated 1003 in file.
10220148 XXXXX Qualifying FICO XXX XXX Confirmed on credit report.
10220148 XXXXX Qualifying CLTV XXX XXX Confirmed, based on purchase price of XXX and loan amount XXX
10220148 XXXXX Qualifying LTV XXX XXX Confirmed, based on purchase price of XXX and loan amount XXX
10220148 XXXXX Property Type XXX XXX  
10220148 XXXXX Qualifying All Borrower Residual Income XXX XXX Confirmed after verified income, PITIA and credit report liabilities.
10220149 XXXXX Property Type XXX XXX  
10220149 XXXXX Qualifying Total Reserves Number of Months XXX XXX Auditor verified all assets and funds needed for closing and reserves.
10220149 XXXXX Qualifying All Borrower Residual Income XXX XXX Auditor verified all income and monthly expenses with borrowers residual income validated XXX-XXX=XXX
10220189 XXXXX Qualifying Total Reserves Number of Months XXX XXX Cash Out proceeds were used for Assets and verified
10220189 XXXXX Qualifying All Borrower Residual Income XXX XXX Residual Income verified
10220192 XXXXX Qualifying Total Reserves Number of Months XXX XXX Per assets
10220192 XXXXX Qualifying All Borrower Residual Income XXX XXX Per monthly income less all debts
10220200 XXXXX Qualifying Total Reserves Number of Months XXX XXX Per assets
10220200 XXXXX Qualifying All Borrower Residual Income XXX XXX Per monthly income less all debts
10220211 XXXXX Property Value $XXX $XXX Verified per full Appraisal (Form XXX URAR) and XXX to support.
10220211 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified if required per Lender guides per loan amount, validated the loan amount from the note and verified applicable assets available.
10220211 XXXXX Qualifying All Borrower Residual Income XXX XXX Verified per Lender guidelines and checked against Final 1003 (dependents), qualifying BE DTI ratio and Compliance Report for HPML Status.
10220222 XXXXX Note Date XX/XX/XXXX XX/XX/XXXX Verified with Note
10220222 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Verified with Initial 1003
10220222 XXXXX ULI XXX XXX Verified with Final 1003
10220222 XXXXX Qualifying Total Reserves Number of Months XXX XXX Reserves not required
10220222 XXXXX Qualifying All Borrower Residual Income XXX XXX Residual Income not required as per Guideline.
10220224 XXXXX MIN No XXX XXX Per Note
10220224 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Per compliance report
10220224 XXXXX Qualifying All Borrower Residual Income XXX XXX Per monthly income less all debts
10220227 XXXXX MIN No XXX XXX XXX confirmed, page XXX
10220227 XXXXX Qualifying All Borrower Residual Income XXX XXX XXX residual income required for XXX person household. Assets updated.
10220228 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statement
10220228 XXXXX Qualifying All Borrower Residual Income XXX XXX Verified with the income and liabilities.
10220231 XXXXX Maturity Date XX/XX/XXXX XX/XX/XXXX Confirmed on Note in file.
10220231 XXXXX First Payment Date XX/XX/XXXX XX/XX/XXXX Confirmed on Note in file.
10220231 XXXXX MIN No XXX XXX Confirmed on mortgage in file.
10220231 XXXXX Margin XXX XXX Confirmed on Note in file.
10220231 XXXXX Index XXX XXX Confirmed index on Note is XXX-day average SOFR index, amount is calculated from this.
10220231 XXXXX Qualifying FICO XXX XXX Confirmed on most recent credit report, middle score is XXX
10220231 XXXXX Qualifying All Borrower Residual Income XXX XXX Confirmed after verified income and debts calculated at origination.
10220241 XXXXX Property Value $XXX $XXX The value from the appraisal is XXX
10220241 XXXXX MIN No XXX XXX updated to reflect properly.
10220241 XXXXX Qualifying All Borrower Residual Income XXX XXX Based on what I calculated for the borrower it was much less roughly XXX less than what the initial UW calculated.
10220244 XXXXX Property Value $XXX $XXX XXX verified per appraisal at XXX set at XXX
10220244 XXXXX Qualifying Total Reserves Number of Months XXX XXX All assets entered and verified per Statements in file.
10220244 XXXXX Qualifying All Borrower Residual Income XXX XXX Residual income verified and automatically calculated in XXX.
10220249 XXXXX Note Date XX/XX/XXXX XX/XX/XXXX  
10220249 XXXXX MIN No XXX XXX XXX updated as per Mortgage document
10220249 XXXXX Property Value $XXX $XXX XXX updated as per Appraisal document
10220249 XXXXX Qualifying FICO XXX XXX FICO updated as per Credit Report
10220249 XXXXX Qualifying All Borrower Residual Income XXX XXX All Borrower Residual income is XXX after detecting the expenses
10220255 XXXXX Maturity Date XX/XX/XXXX XX/XX/XXXX P.XXX shows XX/XX/XXXX
10220255 XXXXX Note Date XX/XX/XXXX XX/XX/XXXX P.XXX shows XX/XX/XXXX
10220255 XXXXX First Payment Date XX/XX/XXXX XX/XX/XXXX Note p.XXX shows XX/XX/XXXX
10220255 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified assets on file
10220255 XXXXX Qualifying All Borrower Residual Income XXX XXX Income Less Expenses
10220256 XXXXX MIN No XXX XXX Verified from DOT/SI.
10220256 XXXXX Qualifying All Borrower Residual Income XXX XXX Verified from lenders guides against qualifying income minus all monthly expenses.
10220263 XXXXX ULI XXX XXX ULI verified correctly on True Data
10220263 XXXXX Qualifying Total Reserves Number of Months XXX XXX Auditor unable to locate XXX Account XXX reflecting as$ XXX per Lender Final 1003
10220263 XXXXX Qualifying All Borrower Residual Income XXX XXX Residual income verified
10220268 XXXXX Property County XXX XXX Capitalization.
10220268 XXXXX MIN No XXX XXX Verified by the Mortgage.
10220268 XXXXX Qualifying FICO XXX XXX Verified by the credit report.
10220268 XXXXX Qualifying All Borrower Residual Income XXX XXX Verified by the calculations.
10220279 XXXXX MIN No XXX XXX Verified with the Security Instrument.
10220279 XXXXX Property Value $XXX $XXX Verified with the appraisal, the lower purchase price used to qualify.
10220279 XXXXX Qualifying FICO XXX XXX  
10220279 XXXXX Qualifying All Borrower Residual Income XXX XXX Verified with the income and liabilities.
10220283 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX XXX confirmed using Initial 1003.
10220283 XXXXX Qualifying Total Reserves Number of Months XXX XXX XXX confirmed using Asset docs available in the file.
10220283 XXXXX Qualifying All Borrower Residual Income XXX XXX XXX confirmed using Lender Guidelines.
10220296 XXXXX Note Date XX/XX/XXXX XX/XX/XXXX XXX XX/XX/XXXX verified on Note
10220296 XXXXX ULI XXX XXX ULI verified on Final 1003
10220296 XXXXX Qualifying Total Reserves Number of Months XXX XXX Assets verified
10220296 XXXXX Qualifying All Borrower Residual Income XXX XXX Residual Income verified
10220298 XXXXX MIN No XXX XXX Per Note
10220298 XXXXX Qualifying All Borrower Residual Income XXX XXX Per monthly income less all debts
10220304 XXXXX MIN No XXX XXX Per Mortgage
10220304 XXXXX Qualifying All Borrower Residual Income XXX XXX Per monthly income less all debts
10220307 XXXXX Qualifying Total Reserves Number of Months XXX XXX Reserves verified by assets
10220307 XXXXX Qualifying All Borrower Residual Income XXX XXX No residual Income required
10220309 XXXXX Property County XXX XXX True Date correct Spelling - Tape Date is Capitalized
10220309 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX XXX XX/XX/XXXX date taken - Tape Data reflects Date Application XX/XX/XXXX was signed by Borrower
10220309 XXXXX Property Value $XXX $XXX Appraised Value verified at XXX
10220309 XXXXX Qualifying LTV XXX XXX LTV verified at XXX
10220309 XXXXX Qualifying CLTV XXX XXX CLTV verified at XXX
10220309 XXXXX Qualifying All Borrower Residual Income XXX XXX Residual income verified with income
10250587 XXXXX Property Value $XXX $XXX Verified with the appraisal, the lower purchase price used to qualify
10250587 XXXXX Qualifying Total Reserves Number of Months XXX XXX Assets updated as per available document.
10250587 XXXXX Qualifying All Borrower Residual Income XXX XXX Verified with the income and liabilities.
10250607 XXXXX ULI XXX XXX Verified with the Final 1003
10250607 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Verified with the initial 1003 and compliance report
10250607 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified with the most recent asset Statements.
10250607 XXXXX Qualifying All Borrower Residual Income XXX XXX Verified with the income and liabilities.
10250608 XXXXX Property County XXX XXX No discrepancy noted.
10250608 XXXXX MIN No XXX XXX MIN number confirmed using Mortgage.
10250608 XXXXX Qualifying FICO XXX XXX Middle of XXX credit scores based on the credit report.
10250608 XXXXX Qualifying All Borrower Residual Income XXX XXX Residual income based on verified income and total debts.
10250614 XXXXX Qualifying Total Reserves Number of Months XXX XXX Reserves verified by Assets in file
10250614 XXXXX Qualifying All Borrower Residual Income XXX XXX No Residual Income required
10250617 XXXXX Property Value $XXX $XXX Sales vs value
10250617 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified assets on file
10250617 XXXXX Property Type XXX XXX  
10250617 XXXXX Qualifying All Borrower Residual Income XXX XXX min residual XXX
10250618 XXXXX Qualifying Total Reserves Number of Months XXX XXX Reserves are not required per DU
10250618 XXXXX Qualifying All Borrower Residual Income XXX XXX Minimum residual XXX
10250621 XXXXX Property Value $XXX $XXX True Date reflects Appraised Value - Tape Data reflects Purchase Price
10250621 XXXXX Qualifying FICO XXX XXX True Data is Mid-Score from XX/XX/XXXX report - Tape Data is Mid-Score from the XX/XX/XXXX report
10250621 XXXXX Qualifying Total Reserves Number of Months XXX XXX No reserves required
10250621 XXXXX Qualifying All Borrower Residual Income XXX XXX No Residual Income required
10286379 XXXXX Application Date XX/XX/XXXX XX/XX/XXXX Updated Per Initial 1003
10286379 XXXXX Credit QM/ATR Designation XXX XXX Updated per business purpose - investment
10286379 XXXXX Qualifying Total Debt Income Ratio XXX XXX Updated per liabilities - The DTI and final total debt are less than lender due to an "other" expense added to the final XXX for XXX along with difference in REO rental income which was less in credit review calculations ($XXX). The total debt difference is XXX along with DTI less by XXX%. Loan still qualifying under max XXX% DTI per guidelines.
10286379 XXXXX Loan Product Type XXX XXX Updated per lender approval
10287776 XXXXX Qualifying Total Reserves Number of Months XXX XXX Verified if required per Lender guides per loan amount, verified from the Note and verified applicable assets available. (ie: Used Cash Out net proceeds to meet reserves per guidelines.)
10287776 XXXXX Qualifying All Borrower Residual Income XXX XXX Verified per Lender guidelines and checked against Final 1003 (dependents), qualifying BE DTI ratio and Compliance Report for HPML Status. Qualifying residual income is calculated by reducing expenses from the qualifying income.
9915518 XXXXX Originator DSCR XXX XXX Audit DSCR of XX/XX/XXXX matches lender's DSCR of XXX.