<?xml version="1.0" encoding="US-ASCII" ?>
    <!-- Field: Doc-Info; Name: Generator; Value: GoFiler Complete; Version: 6.6a -->
    <!-- Field: Doc-Info; Name: VendorURI; Value: https://www.novaworks.com -->
    <!-- Field: Doc-Info; Name: Status; Value: 0x00000000 -->
    <!-- Field: Doc-Info; Name: Misc; Value: +6spw7xRiXhun8uCbn1MSaWDKbP9w5dzCelBtm92HVnajyQkXc+8aCWTMl/WUeEA -->
<schema xmlns="http://www.w3.org/2001/XMLSchema" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:dei="http://xbrl.sec.gov/dei/2026" xmlns:oef="http://xbrl.sec.gov/oef/2026" xmlns:fnd="http://xbrl.sec.gov/fnd/2026q3" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:mmhi="http://nylim.com/20260921" elementFormDefault="qualified" targetNamespace="http://nylim.com/20260921">
    <annotation>
      <appinfo>
        <link:linkbaseRef xlink:type="simple" xlink:href="mmhi-20260921_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Presentation Links" />
        <link:linkbaseRef xlink:type="simple" xlink:href="mmhi-20260921_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Label Links" />
        <link:linkbaseRef xlink:type="simple" xlink:href="mmhi-20260921_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:title="Definition Links" />
      </appinfo>
    </annotation>
    <import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
    <import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" />
    <import namespace="http://xbrl.sec.gov/dei/2026" schemaLocation="https://xbrl.sec.gov/dei/2026/dei-2026.xsd" />
    <import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd" />
    <import namespace="http://xbrl.sec.gov/oef/2026" schemaLocation="https://xbrl.sec.gov/oef/2026/oef-2026.xsd" />
    <import namespace="http://xbrl.sec.gov/oef-rr/2026" schemaLocation="https://xbrl.sec.gov/oef/2026/oef-rr-2026.xsd" />
    <import namespace="http://xbrl.sec.gov/fnd/2026q3" schemaLocation="https://xbrl.sec.gov/fnd/2026q3/fnd-2026q3.xsd" />
    <import namespace="http://xbrl.sec.gov/fnd-oef/2026q3" schemaLocation="https://xbrl.sec.gov/fnd/2026q3/fnd-oef-2026q3.xsd" />
    <import namespace="http://xbrl.sec.gov/country/2026" schemaLocation="https://xbrl.sec.gov/country/2026/country-2026.xsd" />
    <import namespace="http://fasb.org/srt/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd" />
    <import namespace="http://fasb.org/srt-types/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-types-2026.xsd" />
    <element id="mmhi_S000108511Member" name="S000108511Member" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_AlternativeMinimumTaxRiskMember" name="AlternativeMinimumTaxRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_AuthorizedParticipantConcentrationRiskMember" name="AuthorizedParticipantConcentrationRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_CashTransactionsRiskMember" name="CashTransactionsRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_CreditRisksMember" name="CreditRisksMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_CyberSecurityRiskMember" name="CyberSecurityRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_DebtSecuritiesRiskMember" name="DebtSecuritiesRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_DerivativesRiskMember" name="DerivativesRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_FocusedInvestmentRiskMember" name="FocusedInvestmentRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_HighYieldMunicipalBondRiskMember" name="HighYieldMunicipalBondRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_HighYieldSecuritiesRiskMember" name="HighYieldSecuritiesRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_IncomeRiskMember" name="IncomeRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_InterestRateRisksMember" name="InterestRateRisksMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_IssuerRiskMember" name="IssuerRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_LiquidityRiskMember" name="LiquidityRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_MarketRiskMember" name="MarketRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_MoneyMarketshorttermSecuritiesRiskMember" name="MoneyMarketshorttermSecuritiesRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_MunicipalBondRiskMember" name="MunicipalBondRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_GeneralObligationBondsRiskMember" name="GeneralObligationBondsRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_RevenueBondsincludingIndustrialDevelopmentBondsRiskMember" name="RevenueBondsincludingIndustrialDevelopmentBondsRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_PrivateActivityBondsRiskMember" name="PrivateActivityBondsRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_MoralObligationBondsRiskMember" name="MoralObligationBondsRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_MunicipalNotesRiskMember" name="MunicipalNotesRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_MunicipalLeaseObligationsRiskMember" name="MunicipalLeaseObligationsRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_MunicipalBondMarketLiquidityRiskMember" name="MunicipalBondMarketLiquidityRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_MunicipalInsuranceRiskMember" name="MunicipalInsuranceRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_NewFundRiskMember" name="NewFundRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_OperationalRiskMember" name="OperationalRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_PortfolioManagementRiskMember" name="PortfolioManagementRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_PrivatePlacementAndRestrictedSecuritiesRiskMember" name="PrivatePlacementAndRestrictedSecuritiesRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_SecondaryMarketTradingRiskMember" name="SecondaryMarketTradingRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_TradingPriceRiskMember" name="TradingPriceRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_ValuationRiskMember" name="ValuationRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_VariableAndFloatingRateInstrumentsRiskMember" name="VariableAndFloatingRateInstrumentsRiskMember" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
    <element id="mmhi_C000279506Member" name="C000279506Member" abstract="true" nillable="true" xbrli:periodType="duration" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" />
</schema>
