MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM12 ABS-15G
Exhibit 99.5 - Schedule 5
| Loan ID | Seller Loan ID | Field Name | Verified Value | Bid Tape Value | Comment |
| 9857589 | Qualifying All Borrower Residual Income | XXX | XXX | Audit calculation for residual income calc based on total income of XXX which includes primary job wages of XXX + Second job wages of XXX + XXX rental income on the subject property #XXX unit = XXX minus rental losses of XXX and minus subject PITIA of XXX = XXX residual income. | |
| 10110035 | MIN No | XXX | XXX | Verified with the Security Instrument | |
| 10110035 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per 1003 | |
| 10110035 | Qualifying FICO | XXX | XXX | Verified with the Credit report. | |
| 10110035 | Qualifying All Borrower Residual Income | XXX | XXX | Verified with the Income and Liabilities | |
| 10162644 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed XX/XX/XXXX on Note in file. | |
| 10179431 | Interest Rate | XXX | XXX | Confirmed. XX/XX/XXXX Buydown. Note Rate = XXX%. Initial Buydown Rate = XXX%. | |
| 10179431 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with 1003. | |
| 10179431 | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed. Calculated income of XXX per month. Lender's loan application and XXX reflects income of XXX per month; however, the lender's income calculation worksheet (pg XXX) reflects income of XXX per month. | |
| 10179499 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Inital 1003 | |
| 10179499 | Qualifying Total Debt Income Ratio | XXX | XXX | Per rental income calculation | |
| 10179425 | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations. | |
| 10161270 | Property Type | PUD | Single Family Detached | Per Appraisal report the subject is located in a PUD | |
| 10161270 | Qualifying Total Reserves Number of Months | XXX | XXX | Borrowers have excess reserves totaling XXX months after closing costs were deducted. Borrowers need to provide access letter for XXX account XXX to allow the large deposits | |
| 10161270 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income is calculated as $ XXX at audit | |
| 10161134 | Property Type | Condominium High Rise | Other | The appraisal States the condo is XXX stories. | |
| 10161134 | Qualifying All Borrower Residual Income | XXX | XXX | Audit residual income is calculated by taking the total income minus the total liabilities. | |
| 10161272 | Qualifying Total Reserves Number of Months | XXX | XXX | Verified assets using bank Statements | |
| 10161272 | Qualifying All Borrower Residual Income | XXX | XXX | Verified residual income using income and total expenses | |
| 10220124 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Initial 1003 pg.XXX | |
| 10220124 | Verified Doc Type | XXX | XXX | Verified XXX tax year | |
| 10220124 | Qualifying All Borrower Residual Income | XXX | XXX | Residual not required on Investments per guide | |
| 10220309 | 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 | Property Value | $XXX | $XXX | Appraised Value verified at XXX | |
| 10220309 | Qualifying LTV | 59.26 | 57.14 | LTV verified at XXX | |
| 10220309 | Qualifying CLTV | 59.26 | 57.14 | CLTV verified at XXX | |
| 10220309 | Qualifying All Borrower Residual Income | XXX | XXX | Residual income verified with income | |
| 10220148 | Sales Price | XXX | XXX | Confirmed XXX purchase price and XXX value. | |
| 10220148 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed on earliest dated 1003 in file. | |
| 10220148 | Qualifying FICO | XXX | XXX | Confirmed on credit report. | |
| 10220148 | Qualifying CLTV | 61.68 | 60.00 | Confirmed, based on purchase price of XXX and loan amount XXX | |
| 10220148 | Qualifying LTV | 61.68 | 60.00 | Confirmed, based on purchase price of XXX and loan amount XXX | |
| 10220148 | Qualifying All Borrower Residual Income | XXX | XXX | Confirmed after verified income, PITIA and credit report liabilities. | |
| 10308869 | Note Date | XX/XX/XXXX | XX/XX/XXXX | True data is correct, per Note | |
| 10263050 | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed XXX as XX/XX/XXXX per Note provided. | |
| 10263050 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed XXX as XX/XX/XXXX per Note provided. | |
| 10263050 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed XXX as XX/XX/XXXX per Note provided. | |
| 10263050 | Originator QM Status | XXX | XXX | Confirmed loan is Business purpose loan from signed business purpose affidavit. | |
| 10333270 | Application Date | XX/XX/XXXX | XX/XX/XXXX | The XXX is XX/XX/XXXX, per the initial 1003. | |
| 10333270 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI of XXX is due to rounding. Audit total all monthly payments of XXX and monthly income XXX matches origination. Origination DTI is XXX the difference is XXX. | |
| 10286395 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 | |
| 10286395 | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD | |
| 10286395 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit used more in consumer debt calculation | |
| 10248950 | Note Date | XX/XX/XXXX | XX/XX/XXXX | the system information is correct | |
| 10248950 | MIN No | XXX | XXX | the system information is correct | |
| 10248966 | MIN No | XXX | XXX | Confirmed MIN using Deed of Trust. | |
| 10248963 | MIN No | XXX | XXX | XXX is XXX | |
| 10286430 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Initial app signed XX/XX/XXXX | |
| 10333277 | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX Per 1003. | |
| 10333277 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit calculated income is lower, resulting in the DTI of XXX%. | |
| 10179534 | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% DTI per audit review. The lender qualified the Borrower with income of XXX however, the income calculation worksheet indicates the borrower's income was only $XXX. The lender originally used a XXX% expense factor to calculate $XXX. Using an expense factor of XXX% (as required per guidelines), the Borrower's income is $XXX. Additionally, the Borrowers' property at XXX XXX XXX shows a monthly payment of XXX (per the Final 1003), however the taxes from the PDR and the hazard ins policy indicate a monthly payment of $XXX. | |
| 10431244 | Property Type | Single Family Attached | Single Family Detached | Appraisal shows subject is attached. | |
| 10431244 | Loan Product Type | XXX | XXX | Note shows this is XXX year IO | |
| 10365445 | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Settlement Statement, the settlement date is XXX. | |
| 10365445 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified per the initial 1003, the XXX is XXX. | |
| 10365445 | Credit QM/ATR Designation | XXX | XXX | Per the Lender's approval the subject loan is NonQM. | |
| 10365445 | Qualifying Total Debt Income Ratio | XXX | XXX | The audit DTI is XXX% due to the subject property monthly taxes and HOI payment. Per the Final 1003 and XXX no monthly tax or HOI payment was included in the final DTI calculation. The loan file contained tax and HOI verification documents for the subject property’s monthly tax and HOI payments. Monthly tax payment was verified as XXX and monthly HOI payment was verified as $XXX. This increased the total housing payment to $XXX. When taking into the gross monthly rent of XXX with a XXX% vacancy factor the qualifying net rental income is negative XXX instead of negative XXX which increased the DTI to XXX% The difference is XXX%. The audit DTI of XXX% does not exceed the max allowed DTI XXX% per Lender’s guidelines. | |
| 10374431 | Qualifying Total Debt Income Ratio | XXX | XXX | Per documents in the file and matches lenders XXX | |
| 10374431 | Lock Term (Days) | XXX | XXX | Compliance entry tape data is correct per lock agreement | |
| 10374431 | Lock Date | XX/XX/XXXX | XX/XX/XXXX | Compliance entry. Tape data is correct per lock agreement | |
| 10431242 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Compliance Pending | |
| 10431242 | Qualifying Total Debt Income Ratio | XXX | XXX | Monthly payment and UPB for XXX and XXX were inconsistent between the credit report and Final 1003, causing a DTI XXX. | |
| 10431274 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated Per Initial 1003. | |
| 10431274 | Credit QM/ATR Designation | XXX | XXX | Updated per business purpose/investment purchase. | |
| 10431274 | Qualifying Total Debt Income Ratio | XXX | XXX | Updated per REO expenses due to HOI increase on primary residence. | |
| 10399555 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 | |
| 10399555 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit used XXX more in consumer debt | |
| 10431256 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated Per Initial 1003. | |
| 10431256 | Qualifying Total Debt Income Ratio | XXX | XXX | Updated per liabilities - DTI slightly higher due to difference in total debts from credit report v. lender Final 1003, which is XXX monthly. Still qualifying under max DTI. | |
| 10399597 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 | |
| 10399597 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit used XXX more in consumer debt due to an outstanding collection, XXX% of the account balance was used to calculate the payment per the Lender Guideline | |
| 10399683 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 | |
| 10399580 | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX Per Initial 1003. | |
| 10399542 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated as Per Initial 1003 loan Originator signature date. | |
| 10399591 | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX Per Initial 1003. | |
| 10399591 | Qualifying Total Debt Income Ratio | XXX | XXX | Difference due to association fees listed on XXX in the amount of XXX No documentation nor fees reflected regarding any association/PUD fee for the property found. | |
| 10399631 | Qualifying Total Debt Income Ratio | XXX | XXX | The audit DTI XXX is due to the liabilities. Liabilities were verified per the credit report, final CD and matches the liabilities disclosed on the Final 1003. The audit DTI of XXX is less than the max allowed DTI of XXX | |
| 10399743 | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX Per Initial 1003. | |
| 10399709 | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX has been consider form 1003 initial XXX | |
| 10399709 | Credit QM/ATR Designation | XXX | XXX | Transaction is Investment refiance consider the Qm stauts as per guidleline | |
| 10399709 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI discrepancy is due to rounding off | |
| 10399681 | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX Per Initial 1003 & E-Consent. | |
| 10399629 | Qualifying Total Debt Income Ratio | XXX | XXX | Lender included rental income for departing residence however no lease agreement was provided. | |
| 10399982 | Qualifying Total Debt Income Ratio | XXX | XXX | within XXX | |
| 10431276 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated Per Initial 1003. | |
| 10431276 | Qualifying Total Debt Income Ratio | XXX | XXX | The DTI discrepancy is due to the lender using a P&I payment of XXX while the Note, Final CD, and Final 1003 reflect a P&I payment of $XXX. The DTI was updated to XXX based on the Note documents, which caused the discrepancy. | |
| 10399670 | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX Per Initial 1003. | |
| 10365489 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated as per the Initial 1003 Document | |
| 10365489 | Credit QM/ATR Designation | XXX | XXX | Updated as business purpose/investment property. | |
| 10365489 | Qualifying Total Debt Income Ratio | XXX | XXX | Updated as per the recent credit report values as been updated few liability values are differ with the Final 1003 values. Total difference is XXX and since subject is investment it does not qualify for the XXX% exceptions. | |
| 10399949 | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX Per Initial 1003. | |
| 10399628 | Application Date | XX/XX/XXXX | XX/XX/XXXX | XXX | |
| 10399628 | Credit QM/ATR Designation | XXX | XXX | XXX | |
| 10399537 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 | |
| 10365488 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated as per the Initial 1003. | |
| 10365488 | Credit QM/ATR Designation | XXX | XXX | Per the Lender's guidelines the subject loan is NonQM. | |
| 10365488 | Qualifying Total Debt Income Ratio | XXX | XXX | The subject property's rental income was qualified using form 1007, as the market rent amount of XXX is lower than the lease agreement amount of XXX Therefore, the rental income was qualified as XXX based on form 1007. However net rental loss amount differ with XXX ($XXX), the auditor has qualified the loss of $XXX. However conditioned for a revised XXX Also the rate used for qualifying on the XXX of XXX% does not support the note rate which is XXX%. | |
| 10399960 | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX Per Initial 1003. | |
| 10399677 | Qualifying Total Debt Income Ratio | XXX | XXX | The lender calculated qualifying income as $XXX; however, the auditor's calculation resulted in qualifying income of $XXX. Due to the income XXX of XXX the DTI calculated by the auditor sightly differ from lender's DTI calculation. | |
| 10399803 | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per notary acknowledgment date. | |
| 10399663 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 | |
| 10399682 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 | |
| 10399669 | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | per compliance review. | |
| 10399669 | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX, Per Initial 1003. | |
| 10399669 | Property Type | Townhouse | PUD | Attached PUD is a TH | |
| 10399669 | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% DTI per audit review. The lender included the payment to XXX and XXX that were paid in full on the Final HUD. | |
| 10399905 | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | per compliance review. | |
| 10399905 | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX Per Initial 1003. | |
| 10431521 | Qualifying Total Debt Income Ratio | XXX | XXX | The difference in the DTI is due to P&I of the subject off the Note is XXX while XXX has XXX...XXX difference. There is also XXX "Other" fee that is not documented. | |
| 10365516 | Qualifying Total Debt Income Ratio | XXX | XXX | The Final 1003 States a balance and payment of XXX and XXX for XXX #XXX but the credit report shows $ balance. However updated as per the credit document. Hence there is a mismatch in the DTI. | |
| 10431365 | Application Date | XX/XX/XXXX | XX/XX/XXXX | The XXX is updated as per the Initial Loan Originator sign date in Initial 1003. | |
| 10431344 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial Application | |
| 10431344 | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per Closing Disclosure | |
| 10431344 | Qualifying Total Debt Income Ratio | XXX | XXX | DTI calculated and verified per XXX | |
| 10431297 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated Per Initial 1003. | |
| 10431297 | Qualifying Total Debt Income Ratio | XXX | XXX | Rounding. | |
| 10431297 | Credit QM/ATR Designation | XXX | XXX | Uploaded per investment property; business purpose. | |
| 10399888 | Qualifying Total Debt Income Ratio | XXX | XXX | Updated per liabilities - property tax amount doesn't match to lender final XXX; lower on tax documents by $XXX. Therefore DTI less by XXX% but still qualifying under max DTI per guidelines. | |
| 10431438 | Interest Rate | XXX | XXX | Confirmed rate from note buy down | |
| 10431438 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed app date | |
| 10431265 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed signed app date is XX/XX/XXXX | |
| 10431265 | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed DTI and all numbers match. | |
| 10399525 | Closing/Settlement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD | |
| 10399525 | Qualifying Total Debt Income Ratio | XXX | XXX | Audit used XXX less in rental income |