MORGAN STANLEY CAPITAL I INC. ABS-15G

Exhibit 99.4 - Schedule 4

 

Client Name:  
Client Project Name: MSRM 2026-DSC3
Start - End Dates: 11/18/2025 - 6/1/2026
Deal Loan Count: 25
   
       
Rating Agency ATR QM Data Fields
       
Loans in Report:  25

 

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
10284713 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10284737 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.625 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10284742 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.5 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10325960 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
10326174 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
10007420 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
10007417 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 8.125 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10007418 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.875 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10007352 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.125 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101368 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Unemployed U.S. Citizen Permanent Resident Alien (No Data) (No Data) 0
10101195 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.125 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101183 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.125 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10101196 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.125 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10200480 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 5.9901 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10200481 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 5.9901 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0
10256794 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.375 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
10200459 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.25 Unemployed Unemployed U.S. Citizen Permanent Resident Alien (No Data) (No Data) 0
10217427 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.375 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10262962 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10262963 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.1251 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10263002 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.49 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10262999 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10263000 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10298556 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 6.49 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
10313457 ATR/QM: Exempt No XXXXXX XXXXXX No No 0 XXXXXX 7.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0

 

 


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