MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM12 ABS-15G
Exhibit 99.3 - Schedule 3
| Loan ID | Seller Loan ID | Redaction ID | Transaction ID | Field Name | Source | Verified Value | Bid Tape Value | Comment |
| XXXX | XXXX | 10101177 | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXXX | XXXX | Per final Settlement Statement |
| XXXX | XXXX | 10101177 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final Settlement Statement |
| XXXX | XXXX | 10101177 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | includes hoa |
| XXXX | XXXX | 10101177 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 33.03 | 35.00 | all assets provided were considered. |
| XXXX | 10026575 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 26.9 | 0.00 | Assets confirmed - all are from the subj loan | |
| XXXX | 10101415 | XXXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Statement | |
| XXXX | 10101415 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 84.84 | 86.00 | Per assets | |
| XXXX | XXXX | 10196883 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 10196883 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | Rounding |
| XXXX | XXXX | 10200444 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | XXXX | 10200444 | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | XXXX | 10200443 | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 10200443 | XXXX | Borrower 1 Years in Current Home | the1003Page | 3.0 | 36 | Per 1003 |
| XXXX | XXXX | 10200443 | XXXX | Borrower 1 Employer 1 Years in Line of Work | the1003Page | 25.0 | 300 | Per 1003 |
| XXXX | XXXX | 10210155 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 1.0929 | Not DSCR |
| XXXX | XXXX | 10200503 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.55 | 48.31 | Lender taxes higher than audit |
| XXXX | XXXX | 10256796 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.24 | 20.55 | Due to lender did not include both bwrs primary housing payment |
| XXXX | XXXX | 10262997 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.22 | 49.82 | Within 2% of Lender DTI on 1008 |
| XXXX | XXXX | 10262970 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 0.442 | Full doc loan |
| XXXX | XXXX | 10268880 | XXXX | Property City | notePage | XXXX | XXXX | Per executed note |
| XXXX | XXXX | 10268885 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 10210118 | XXXX | Lender Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 10210118 | XXXX | Interest Only Flag | notePage | Yes | No | Per Note |
| XXXX | XXXX | 10162232 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.57 | 45.00 | Variance due to lender factoring self-reported utilities which is not included with audit review. |
| XXXX | XXXX | 10233146 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | per 1008 |
| XXXX | XXXX | 10233146 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.33 | 24.65 | True value in line with file 1008 |
| XXXX | XXXX | 10268886 | XXXX | Qualifying FICO | creditLiabilitiesPage | 756 | 738 | Middle qualifying score |
| XXXX | XXXX | 10268886 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.17 | 31.74 | Lender not using B1 wage income on 1008 in DTI |
| XXXX | XXXX | 10298531 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| XXXX | XXXX | 10298531 | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per Appraisal |
| XXXX | XXXX | 10298531 | XXXX | Qualifying LTV | propertyValuationPage | 48.82 | 49.92 | Matches 1008 |
| XXXX | XXXX | 10298531 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.1 | 37.00 | DTI matches to lenders 1008 |
| XXXX | XXXX | 10291262 | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | property is PUD per appraisal |
| XXXX | XXXX | 10291233 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 10313449 | XXXX | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per appraisal |
| XXXX | XXXX | 10263005 | XXXX | Note Date | notePage | XXXX | XXXX | Per Notary |
| XXXX | XXXX | 10298567 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.26 | 25.07 | Audit calculated lower income |
| XXXX | XXXX | 10313475 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | XXXX | 10313475 | XXXX | Property Type | propertyValuationPage | PUD | Two to Four Unit | Per appraisal |
| XXXX | XXXX | 10291243 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.2 | 12.78 | Per audit & aligns with lender |
| XXXX | XXXX | 10313461 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | XXXX | 10313461 | XXXX | Qualifying LTV | propertyValuationPage | 77.08 | 76.42 | Per Loan Amount/Appraised Value- matches 1008 |
| XXXX | XXXX | 10313461 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 13.65 | 16.12 | Per audit, REO expenses not documented. |
| XXXX | XXXX | 10333149 | XXXX | Lender Name | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 10333149 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.13 | 43.67 | Lender did not use PITI from new refi on primary residence in front DTI calc |
| XXXX | XXXX | 10357795 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Appraisal |
| XXXX | XXXX | 10313484 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | Per Appraisal |
| XXXX | XXXX | 10333097 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.043 | 1.07 | Lender did not provide DSCR calculation worksheet, PITI Matched docs in file |
| XXXX | XXXX | 10326063 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per Settlement |
| XXXX | XXXX | 10327131 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.414 | 1.5 | DSCR matches lender 1008 |
| XXXX | XXXX | 10333125 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.396 | 1.644 | Audit DSCR matches final DSCR calc |
| XXXX | XXXX | 10367688 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 6990.52 | DSCR |
| XXXX | XXXX | 10393894 | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per Title, no other liens on the file |
| XXXX | XXXX | 10393894 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1.0 | Per credit |
| XXXX | XXXX | 10393886 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1.0 | Per Initial 1003 |
| XXXX | 10379240 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Statement | |
| XXXX | XXXX | 10383543 | XXXX | Borrower 1 Employer 1 Years in Line of Work | the1003Page | 9.17 | 110 | Per Initial 1003 |
| XXXX | XXXX | 10383543 | XXXX | Borrower 1 Years in Current Home | the1003Page | 1.5 | 18 | Per Initial 1003 |
| XXXX | XXXX | 10354160 | XXXX | Property Type | propertyValuationPage | Condominium | Single Family Detached | per appraisal |
| XXXX | XXXX | 10313496 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.665 | 1.9915 | Matches lenders DSCR worksheet |
| XXXX | XXXX | 10354159 | XXXX | Property Address | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 10354159 | XXXX | Property Type | the1008Page | Condominium High Rise | Condominium | Per appsl |
| XXXX | XXXX | 10367660 | XXXX | Property Type | PUD | Single Family Detached | Per appraisal | |
| XXXX | XXXX | 10367660 | XXXX | Calculated DSCR | 1.491 | 1.0 | Audit matches 1008 | |
| XXXX | XXXX | 10393890 | XXXX | Amount of Other Lien | XXXX | XXXX | no other liens | |
| XXXX | XXXX | 10393892 | XXXX | Number of Mortgaged Properties | 3 | 1.0 | Per Initial 1003 | |
| XXXX | XXXX | 10393910 | XXXX | Qualifying FICO | 779 | 777 | Primary wage earner. | |
| XXXX | XXXX | 10393910 | XXXX | Qualifying Total Debt Income Ratio | 41.62 | 24.97 | Matches 1008 | |
| XXXX | XXXX | 10367668 | XXXX | Property Address | XXXX | XXXX | Per Note | |
| XXXX | XXXX | 10374406 | XXXX | Loan Amount | XXXX | XXXX | Per note. Tape is sales price | |
| XXXX | XXXX | 10374406 | XXXX | Qualifying FICO | 711 | 661 | borrowers are 50/50 owners of a business and income is equal, audit used the higher representative score per guides. | |
| XXXX | XXXX | 10383541 | XXXX | Note Date | XXXX | XXXX | Per Note | |
| XXXX | XXXX | 10383541 | XXXX | Refinance Type | the1003Page | Cash Out - Other | No Cash Out - Borrower Initiated | Per Final CD and 1008 |
| XXXX | XXXX | 10383541 | XXXX | Qualifying FICO | 786 | 778 | Audit matches Lender's 1008 | |
| XXXX | XXXX | 10383541 | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.808 | 0.0 | Matches 1008 |
| XXXX | XXXX | 10374452 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.009 | 1.03 | Matches Lender's calculation of 1.0089 |
| XXXX | 10395646 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 23.17 | 23.00 | Per asset statement | |
| XXXX | 10395706 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 23.02 | 23.00 | Per CD | |
| XXXX | 10395706 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.776 | 1.8028 | Audit used 120% of the MR. | |
| XXXX | 10395664 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 93.35 | 103.00 | Per cash to the borrower at closing | |
| XXXX | 10395664 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.806 | 1.9854 | Difference due to taxes higher than used by lender. | |
| XXXX | 10395591 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 12.06 | 12.00 | per audited assets | |
| XXXX | 10395591 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.19 | 35.33 | per audited income and expenses - UTD difference | |
| XXXX | 10395600 | XXXX | Qualifying Total Reserves Number of Months | assetPage | 38.96 | 36.00 | Per asset statement | |
| XXXX | 10395600 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 13.1 | 37.60 | Audit calculated higher rental income | |
| XXXX | 10395647 | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | Per asset statement |