MORGAN STANLEY CAPITAL I INC. ABS-15G
Exhibit 99.7 - Schedule 3
| ALT ID | Loan ID | Seller Loan ID | Investor Loan 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 DTI/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? |
| 10228498 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.805 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | ||||||
| 10228500 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.192 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | ||||||
| 10228502 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.613 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | ||||||
| 10228503 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.988 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | ||||||
| 10228504 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.755 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | ||||||
| 10228505 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.996 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | ||||||
| 10228506 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.163 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | ||||||
| 10228507 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.547 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired | No | No | ||||||
| 10228508 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.649 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | ||||
| 10228509 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.737 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | ||||||
| 10228510 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.638 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired | No | No | ||||||
| 10228511 | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed | No | Yes | Present | |||||
| 10228512 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.73 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | ||||||
| 10228513 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.676 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | ||||
| 10228514 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.142 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | ||||
| 10228515 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.992 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No | ||||
| 10228516 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.887 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | ||||||
| 10228499 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.753 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Retired | No | No | ||||||
| 10228517 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.048 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | ||||||
| 10228519 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.951 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Retired | No | No | No | ||||
| 10228520 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.713 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | ||||||
| 10228521 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.196 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Not Employed | No | No | ||||||
| 10228522 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.573 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | ||||||
| 10228523 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.887 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | ||||||
| 10228525 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.766 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No | ||||
| 10228526 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.56 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Not Employed | No | No | ||||||
| 10228527 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.099 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | ||||||
| 10228530 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.284 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No | ||||
| 10228531 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.674 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | ||||||
| 10228532 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.604 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Not Employed | No | No | No | ||||
| 10228533 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.578 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No | ||||
| 10228497 | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Retired | Employed | No | No | Yes | Present | |||
| 10228535 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.597 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | ||||||
| 10228536 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.714 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | ||||||
| 10228537 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.62 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Not Employed | Not Employed | No | No | No | ||||
| 10228538 | XXXXXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $XXXXXX | N/A | Employed | Not Employed | No | No | Yes | Present | |||
| 10228539 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.392 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | No | No | ||||||
| 10228540 | XXXXXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.066 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | N/A | Employed | Employed | No | No | No |