Income Calculations Worksheet

Current Rate Of Pay & Base Earnings Calculations
00,00.00
00,00.00

Defaults to 40 hours per week

Base Pay
2019
2018
Date From
01/01/2020
01/01/2019
01/01/2018
Date To
12/31/2019
12/31/2018
12/31/2020
Total Earnings
$
$
$
Months
00,00.00
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
Qualifying Income: YTD + Previous Year Average

00,00.00

Period
2020
2019
2018
Date From
01/01/2020
01/01/2019
01/01/2018
Date To
12/31/2019
12/31/2018
12/31/2020
Total Earnings
$
$
$
Months
00,00.00
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
Qualifying Other Income: YTD + Previous Two-Year Average

00,00.00

Period
2020
2019
2018
Date From
01/01/2020
01/01/2019
01/01/2018
Date To
12/31/2019
12/31/2018
12/31/2020
Total Earnings
$
$
$
Months
00,00.00
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
Qualifying Income: YTD + Previous Year Average

00,00.00

Period
2020
2019
2018
Date From
01/01/2020
01/01/2019
01/01/2018
Date To
12/31/2019
12/31/2018
12/31/2020
Total Earnings
$
$
$
Months
00,00.00
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
Qualifying Income: YTD + Previous Year Average

00,00.00

Unreimbursed Employee Business Expenses (AKA 2106 Expenses)
Period (year)
2019
Date From
01/01/2020
01/01/2019
Date To
12/31/2019
12/31/2018
Total Amount Claimed
$
$
Allowable Add-Back
$
$
Months
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
Qualifying Income: YTD + Previous Year Average

00,00.00

'Allowable add-back is Depreciation Amount (line 28) located on Page 2 of Form 2106.

If borrower did not claim depreciation (line 28 is zero), then allowed to add back Business Miles (line 13) multiplied by FNMA Depreciation Factor (2014 = 22 cents per mile, 2015/2016 = 24 cents per mile).

Final Monthly Income Reconciliation

Qualifying Income: YTD + Previous Year Average

00,00.00

Qualifying 2106 Expenses: Previous Year Average

00,00.00

Total Calculated Base Earnings (Gross Base Earnings less Unreimbursed Expenses)

00,00.00
00,00.00
00,00.00
00,00.00

Other Additions or Subtractions to Income (provide explanation below)

$

Grand Total Monthly Earnings

00,00.00

Income Calculations Worksheet

Current Rate Of Pay & Base Earnings Calculations
00,00.00
00,00.00

Defaults to 40 hours per week

Base Pay
2019
2018
Date From
01/01/2020
01/01/2019
01/01/2018
Date To
12/31/2019
12/31/2018
12/31/2020
Total Earnings
$
$
$
Months
00,00.00
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
Qualifying Income: YTD + Previous Year Average

00,00.00

Period
2020
2019
2018
Date From
01/01/2020
01/01/2019
01/01/2018
Date To
12/31/2019
12/31/2018
12/31/2020
Total Earnings
$
$
$
Months
00,00.00
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
Qualifying Other Income: YTD + Previous Two-Year Average

00,00.00

Period
2020
2019
2018
Date From
01/01/2020
01/01/2019
01/01/2018
Date To
12/31/2019
12/31/2018
12/31/2020
Total Earnings
$
$
$
Months
00,00.00
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
Qualifying Income: YTD Previous Two-Year Average

00,00.00

Period
2020
2019
2018
Date From
01/01/2020
01/01/2019
01/01/2018
Date To
12/31/2019
12/31/2018
12/31/2020
Total Earnings
$
$
$
Months
00,00.00
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
Qualifying Income: Previous Two-Year Average

00,00.00

Unreimbursed Employee Business Expenses (AKA 2106 Expenses)
Period (year)
2019
Date From
01/01/2020
01/01/2019
Date To
12/31/2019
12/31/2018
Total Amount Claimed
$
$
Allowable Add-Back
$
$
Months
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
Qualifying 2106 Expenses: Previous Year Average

00,00.00

'Allowable add-back is Depreciation Amount (line 28) located on Page 2 of Form 2106.

If borrower did not claim depreciation (line 28 is zero), then allowed to add back Business Miles (line 13) multiplied by FNMA Depreciation Factor (2014 = 22 cents per mile, 2015/2016 = 24 cents per mile).

Final Monthly Income Reconciliation

Qualifying Income: YTD + Previous Year Average

00,00.00

Qualifying 2106 Expenses: Previous Year Average

00,00.00

Total Calculated Base Earnings (Gross Base Earnings less Unreimbursed Expenses)

00,00.00
00,00.00
00,00.00
00,00.00

Other Additions or Subtractions to Income (provide explanation below)

$

Grand Total Monthly Earnings

00,00.00

Income Calculations Worksheet

Current Rate Of Pay & Base Earnings Calculations
00,00.00
00,00.00

Defaults to 40 hours per week

Base Pay
2019
2018
Date From
01/01/2020
01/01/2019
01/01/2018
Date To
12/31/2019
12/31/2018
12/31/2020
Total Earnings
$
$
$
Months
00,00.00
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
Qualifying Income: YTD + Previous Year Average

00,00.00

Period
2020
2019
2018
Date From
01/01/2020
01/01/2019
01/01/2018
Date To
12/31/2019
12/31/2018
12/31/2020
Total Earnings
$
$
$
Months
00,00.00
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
Qualifying Other Income: YTD + Previous Two-Year Average

00,00.00

Period
2020
2019
2018
Date From
01/01/2020
01/01/2019
01/01/2018
Date To
12/31/2019
12/31/2018
12/31/2020
Total Earnings
$
$
$
Months
00,00.00
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
Qualifying Income: YTD + Previous Year Average

00,00.00

Period
2020
2019
2018
Date From
01/01/2020
01/01/2019
01/01/2018
Date To
12/31/2019
12/31/2018
12/31/2020
Total Earnings
$
$
$
Months
00,00.00
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
Qualifying Income: YTD + Previous Year Average

00,00.00

Unreimbursed Employee Business Expenses (AKA 2106 Expenses)
Period (year)
2019
Date From
01/01/2020
01/01/2019
Date To
12/31/2019
12/31/2018
Total Amount Claimed
$
$
Allowable Add-Back
$
$
Months
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
Qualifying Income: YTD + Previous Year Average

00,00.00

'Allowable add-back is Depreciation Amount (line 28) located on Page 2 of Form 2106.

If borrower did not claim depreciation (line 28 is zero), then allowed to add back Business Miles (line 13) multiplied by FNMA Depreciation Factor (2014 = 22 cents per mile, 2015/2016 = 24 cents per mile).

Final Monthly Income Reconciliation

Qualifying Income: YTD + Previous Year Average

00,00.00

Qualifying 2106 Expenses: Previous Year Average

00,00.00

Total Calculated Base Earnings (Gross Base Earnings less Unreimbursed Expenses)

00,00.00
00,00.00
00,00.00
00,00.00

Other Additions or Subtractions to Income (provide explanation below)

$

Grand Total Monthly Earnings

00,00.00

Income Calculations Worksheet

Current Rate Of Pay & Base Earnings Calculations
00,00.00
00,00.00

Defaults to 40 hours per week

Base Pay
2019
2018
Date From
01/01/2020
01/01/2019
01/01/2018
Date To
12/31/2019
12/31/2018
12/31/2020
Total Earnings
$
$
$
Months
00,00.00
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
Qualifying Income: YTD + Previous Year Average

00,00.00

Period
2020
2019
2018
Date From
01/01/2020
01/01/2019
01/01/2018
Date To
12/31/2019
12/31/2018
12/31/2020
Total Earnings
$
$
$
Months
00,00.00
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
Qualifying Other Income: YTD + Previous Two-Year Average

00,00.00

Period
2020
2019
2018
Date From
01/01/2020
01/01/2019
01/01/2018
Date To
12/31/2019
12/31/2018
12/31/2020
Total Earnings
$
$
$
Months
00,00.00
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
Qualifying Income: YTD + Previous Year Average

00,00.00

Period
2020
2019
2018
Date From
01/01/2020
01/01/2019
01/01/2018
Date To
12/31/2019
12/31/2018
12/31/2020
Total Earnings
$
$
$
Months
00,00.00
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
Qualifying Income: YTD + Previous Year Average

00,00.00

Unreimbursed Employee Business Expenses (AKA 2106 Expenses)
Period (year)
2019
Date From
01/01/2020
01/01/2019
Date To
12/31/2019
12/31/2018
Total Amount Claimed
$
$
Allowable Add-Back
$
$
Months
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
Qualifying Income: YTD + Previous Year Average

00,00.00

'Allowable add-back is Depreciation Amount (line 28) located on Page 2 of Form 2106.

If borrower did not claim depreciation (line 28 is zero), then allowed to add back Business Miles (line 13) multiplied by FNMA Depreciation Factor (2014 = 22 cents per mile, 2015/2016 = 24 cents per mile).

Final Monthly Income Reconciliation

Qualifying Income: YTD + Previous Year Average

00,00.00

Qualifying 2106 Expenses: Previous Year Average

00,00.00

Total Calculated Base Earnings (Gross Base Earnings less Unreimbursed Expenses)

00,00.00
00,00.00
00,00.00
00,00.00

Other Additions or Subtractions to Income (provide explanation below)

$

Grand Total Monthly Earnings

00,00.00

Self-Employed Income Worksheet Cash Flow Analysis (Form 1084)

The following self-employed income analysis worksheet generally apply to individuals who have 25% or greater interest in a business, or who are employed by family members, or who are paid commissions, or who own rental property, and/or who receive variable income, have earnings reported on IRS Form 1099, or income that cannot otherwise be verified by an independent and knowable source.

Qualifying Income: YTD + Previous Year Average
Note:

W-2 income will count in the S-Corp/Corporations tabs, associated with their businesses.

Schedule B - Interest and Dividend Income
2018
2019
$
$
$
$
Schedule B Qualification Calculations
00,00.00
00,00.00
Previous Two-Year (2018 & 2019) Average
00,00.00
Schedule C - Profit or Loss From Sole Proprietorship

There are no Schedule C calculations

00,00.00
00,00.00
00,00.00
Schedule D - Capital Gains and Losses
2018
2019
$
$
Schedule D Qualification Calculations
00,00.00
00,00.00
Previous Two-Year (2019) Average
00,00.00
Form 4797 - Sales of Business Property
2018
2019
$
$
$
$
Form 4797 Qualification Calculations
00,00.00
00,00.00
Previous Two-Year (2018 & 2019) Average
00,00.00
Schedule E - Supplemental Income and Losses
2018
2019

To calculate rental income/loss, use the "Rental Income" worksheet

$
$
$
$
$
$
1040 Qualification Calculations
00,00.00
00,00.00
Previous Two-Year (2019) Average
00,00.00
Schedule F - Profit or Loss From Farming

There are no Schedule F calculations

00,00.00
00,00.00
00,00.00
Form 1065 - Partnership Income Totals

There are no Partnership calculations

00,00.00
00,00.00
00,00.00
Form 1120S - S-Corp Income Totals

There are no S-Corp calculations

00,00.00
00,00.00
00,00.00
Form 1120 - Corporation Income Totals

There are no Corporation calculations

00,00.00
00,00.00
00,00.00

There are no Corporation calculations

Combined Totals
Monthly Averages
00,00.00
00,00.00
00,00.00
00,00.00
Total Qualifying Self-Employment Income:
00,00.00

Year-to-Date income from profit and loss statements may only be considered if it is consistent with the previous years' earnings. Allowable addbacks include depreciation, depletion, and other non-cash expenses as identified above.

YTD PROFIT & LOSS STATEMENT
$
%
00,00.00
$
%
00,00.00
00,00.00
$
00,00.00

Schedule C - Profit or Loss from Business - Stand-alone Calculations

(calculation process and format extracted from SAM (Schedule Analysis Method) form)
Is this an FHA, Fannie Mae or Freddie Mac loan?
Schedule C - Profit Or Loss From Business #1
Business:
2018
2019
$
$
$
$
$
$
$
$
$
$
$
$
00,00.00
00,00.00
$
$
$
$
$
$
00,00.00
00,00.00
Form 8829 - only used for FHA loans
$
$
$
$
$
$
$
$
Indirect Expenses:
$
$
$
$
$
$
$
$
100%
100%
00,00.00
00,00.00
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
Previous Year (2019) Average
00,00.00
Schedule C - Profit Or Loss From Business #2
Business:
2018
2019
$
$
$
$
$
$
$
$
$
$
$
$
00,00.00
00,00.00
$
$
$
$
$
$
00,00.00
00,00.00
Form 8829 - only used for FHA loans
$
$
$
$
$
$
$
$
Indirect Expenses:
$
$
$
$
$
$
$
$
100%
100%
00,00.00
00,00.00
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
Previous Year (2019) Average
00,00.00
Schedule C - Profit Or Loss From Business #3
Business:
2018
2019
$
$
$
$
$
$
$
$
$
$
$
$
00,00.00
00,00.00
$
$
$
$
$
$
00,00.00
00,00.00
Form 8829 - only used for FHA loans
$
$
$
$
$
$
$
$
Indirect Expenses:
$
$
$
$
$
$
$
$
100%
100%
00,00.00
00,00.00
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
Previous Year (2019) Average
00,00.00
Summary
Do Not Use
Monthly Averages
Business #1 Previous Year (2021) Average
00,00.00
Business #2 Previous Year (2021) Average
00,00.00
Business #3 Previous Year (2021) Average
00,00.00
Total Qualifying Schedule C Income
00,00.00

Schedule C - Profit or Loss from Business - Stand-alone Calculations

(calculation process and format extracted from SAM (Schedule Analysis Method) form)
Is this an FHA, Fannie Mae or Freddie Mac loan?
Partnership #1
Partnership:
2018
2019
Schedule K-1
$
$
$
$
$
$
$
$
$
$
2020
Ordinary/Net Rental/Guaranteed Payments

Using Distributions since they are lower than the Ordinary/Net Rental total

2021
Ordinary/Net Rental/Guaranteed Payments

Using Distributions since they are lower than the Ordinary/Net Rental total

00,00.00
00,00.00
1065 FORM
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
1065 FORM SUBTOTAL
00,00.00
00,00.00
%
%
1065 FORM TOTAL (subtotal multiplied by % owned):
00,00.00
00,00.00
Partnership Total (Schedule K-1 + Partnership Return):
00,00.00
00,00.00
Liquidity Check (Conventional only) - 1065 Form, Schedule L
Assets
Tax Year: 2021
$
$
$
Liabilities
$
00,00.00
$
Current Ratio
Not Liquid
Current Ratio
Not Liquid
Qualification Calculations (based on total Partnership income: Schedule K-1 + Business Returns)
00,00.00
00,00.00
Total Partnership Income (K-1 + 1065) Utilizing
Previous Two-Year (2020 & 2021) Average
00,00.00
Schedule K-1 Qualification
(passing through to Self-Employed Sch K-1 section)
Not Liquid
Partnership Income Qualification
(passing through to Self-Employed Partnership Section)
Not Liquid
Partnership #2
Partnership:
2018
2019
Schedule K-1
$
$
$
$
$
$
$
$
$
$
2020
Ordinary/Net Rental/Guaranteed Payments

Using Distributions since they are lower than the Ordinary/Net Rental total

2021
Ordinary/Net Rental/Guaranteed Payments

Using Distributions since they are lower than the Ordinary/Net Rental total

00,00.00
00,00.00
1065 FORM
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
1065 FORM SUBTOTAL
00,00.00
00,00.00
%
%
1065 FORM TOTAL (subtotal multiplied by % owned):
00,00.00
00,00.00
Partnership Total (Schedule K-1 + Partnership Return):
00,00.00
00,00.00
1Liquidity Check (Conventional only) - 1065 Form, Schedule L
Assets
Tax Year: 2021
$
$
$
Liabilities
$
00,00.00
$
Current Ratio
Not Liquid
Current Ratio
Not Liquid
Qualification Calculations
00,00.00
00,00.00
Total Partnership Income (K-1 + 1065) Utilizing
Previous Two-Year (2020 & 2021) Average
00,00.00
Schedule K-1 Qualification
(passing through to Self-Employed Sch K-1 section)
Not Liquid
Partnership Income Qualification
(passing through to Self-Employed Partnership Section)
Not Liquid
Partnership #3
Partnership:
2018
2019
Schedule K-1
$
$
$
$
$
$
$
$
$
$
2020
Ordinary/Net Rental/Guaranteed Payments

Using Distributions since they are lower than the Ordinary/Net Rental total

2021
Ordinary/Net Rental/Guaranteed Payments

Using Distributions since they are lower than the Ordinary/Net Rental total

00,00.00
00,00.00
1065 FORM
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
1065 FORM SUBTOTAL
00,00.00
00,00.00
%
%
1065 FORM TOTAL (subtotal multiplied by % owned):
00,00.00
00,00.00
Partnership Total (Schedule K-1 + Partnership Return):
00,00.00
00,00.00
1Liquidity Check (Conventional only) - 1065 Form, Schedule L
Assets
Tax Year: 2021
$
$
$
Liabilities
$
00,00.00
$
Current Ratio
Not Liquid
Current Ratio
Not Liquid
Qualification Calculations
00,00.00
00,00.00
Total Partnership Income (K-1 + 1065) Utilizing
Previous Two-Year (2020 & 2021) Average
00,00.00
Schedule K-1 Qualification
(passing through to Self-Employed Sch K-1 section)
Not Liquid
Partnership Income Qualification
(passing through to Self-Employed Partnership Section)
Not Liquid
Combined Totals
Do Not Use
Monthly Averages
00,00.00
00,00.00
Previous Two-Year (2020 & 2021) Average:
00,00.00
00,00.00
00,00.00
Previous Two-Year (2020 & 2021) Average:
00,00.00
00,00.00
00,00.00
Previous Two-Year (2020 & 2021) Average:
00,00.00
Total Qualifying Partnership Income
00,00.00

Self-Employed Income Worksheet S-Corporations (Forms 1120S)

Is this an FHA, Fannie Mae or Freddie Mac loan?
S-Corporation #1
S-Corp Name
2018
2019
W-2 Form (if applicable)
$
$
Schedule K-1
$
$
$
$
$
$
$
$
2020
Ordinary/Net Rental/Guaranteed Payments

Using Distributions since they are lower than the Ordinary/Net Rental total

2021
Ordinary/Net Rental/Guaranteed Payments

Using Distributions since they are lower than the Ordinary/Net Rental total

00,00.00
00,00.00
1120 Form
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
Subtotal:
00,00.00
00,00.00
%
%
1120S FORM TOTAL (subtotal multiplied by % ownership):
00,00.00
00,00.00
S-CORP TOTAL (W-2 + SCHEDULE K-1 + S-CORP RETURN):
00,00.00
00,00.00
Liquidity Check (Conventional only) - 1065 Form, Schedule L
Assets
Tax Year: 2021
$
$
$
Liabilities
$
00,00.00
$
Current Ratio
Not Liquid
Current Ratio
Not Liquid
Qualification Calculations
00,00.00
00,00.00
Total S-Corp Income (W-2, K-1, and 1065) Utilizing
Previous Two-Year (2020 & 2021) Average
00,00.00
Schedule K-1 Qualification
(passing through to Self-Employed Sch K-1 section)
S-Corp Income Qualification
(passing through to Self-Employed S-Corp Section)
Not Liquid
S-Corporation #2
S-Corp Name
2018
2019
W-2 Form (if applicable)
$
$
Schedule K-1
$
$
$
$
$
$
$
$
2020
Ordinary/Net Rental/Guaranteed Payments

Using Distributions since they are lower than the Ordinary/Net Rental total

2021
Ordinary/Net Rental/Guaranteed Payments

Using Distributions since they are lower than the Ordinary/Net Rental total

00,00.00
00,00.00
1120 Form
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
Subtotal:
00,00.00
00,00.00
%
%
1120S FORM TOTAL (subtotal multiplied by % ownership):
00,00.00
00,00.00
S-CORP TOTAL (W-2 + SCHEDULE K-1 + S-CORP RETURN):
00,00.00
00,00.00
Liquidity Check (Conventional only) - 1065 Form, Schedule L
Assets
Tax Year: 2021
$
$
$
Liabilities
$
00,00.00
$
Current Ratio
Not Liquid
Current Ratio
Not Liquid
Qualification Calculations
00,00.00
00,00.00
Total S-Corp Income (W-2, K-1, and 1065) Utilizing
Previous Two-Year (2020 & 2021) Average
00,00.00
Schedule K-1 Qualification
(passing through to Self-Employed Sch K-1 section)
S-Corp Income Qualification
(passing through to Self-Employed S-Corp Section)
Not Liquid
S-Corporation #3
S-Corp Name
2018
2019
W-2 Form (if applicable)
$
$
Schedule K-1
$
$
$
$
$
$
$
$
2020
Ordinary/Net Rental/Guaranteed Payments

Using Distributions since they are lower than the Ordinary/Net Rental total

2021
Ordinary/Net Rental/Guaranteed Payments

Using Distributions since they are lower than the Ordinary/Net Rental total

00,00.00
00,00.00
1120 Form
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
Subtotal:
00,00.00
00,00.00
%
%
1120S FORM TOTAL (subtotal multiplied by % ownership):
00,00.00
00,00.00
S-CORP TOTAL (W-2 + SCHEDULE K-1 + S-CORP RETURN):
00,00.00
00,00.00
Liquidity Check (Conventional only) - 1065 Form, Schedule L
Assets
Tax Year: 2021
$
$
$
Liabilities
$
00,00.00
$
Current Ratio
Not Liquid
Current Ratio
Not Liquid
Qualification Calculations
00,00.00
00,00.00
Total S-Corp Income (W-2, K-1, and 1065) Utilizing
Previous Two-Year (2020 & 2021) Average
00,00.00
Schedule K-1 Qualification
(passing through to Self-Employed Sch K-1 section)
S-Corp Income Qualification
(passing through to Self-Employed S-Corp Section)
Not Liquid
Combined Totals
Do Not Use
Monthly Averages
00,00.00
00,00.00
00,00.00
Previous Two-Year (2020 & 2021) Average:
00,00.00
00,00.00
00,00.00
00,00.00
Previous Two-Year (2020 & 2021) Average:
00,00.00
00,00.00
00,00.00
00,00.00
Previous Two-Year (2020 & 2021) Average:
00,00.00
Total Qualifying S-Corp Income
00,00.00

Self-Employed Income Worksheet Corporations (Form 1120)

Is this an FHA, Fannie Mae or Freddie Mac loan?
Corporation #1
Corp Name
2018
2019
W-2 Information from Corporation
$
$
Form 1040: Schedule B
(The dividends already count in the corporate taxable income. This figure will not have an effect on this page, but will if using this page to send info to the self-employed tab)
$
$
Form 1120
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
00,00.00
00,00.00
%
%
1120 Subtotal:
00,00.00
00,00.00
Total Corporation Income (W-2 + Form 1120 income):
00,00.00
00,00.00
Corporation Income Qualification Calculations
00,00.00
00,00.00
Previous Two-Year (2020 & 2021) Average
00,00.00
Corporation #2
Corp Name
2018
2019
W-2 Information from Corporation
$
$
Form 1040: Schedule B
(The dividends already count in the corporate taxable income. This figure will not have an effect on this page, but will if using this page to send info to the self-employed tab)
$
$
Form 1120
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
00,00.00
00,00.00
%
%
1120 Subtotal:
00,00.00
00,00.00
Total Corporation Income (W-2 + Form 1120 income):
00,00.00
00,00.00
Corporation Income Qualification Calculations
00,00.00
00,00.00
Previous Two-Year (2020 & 2021) Average
00,00.00
Corporation #3
Corp Name
2018
2019
W-2 Information from Corporation
$
$
Form 1040: Schedule B
(The dividends already count in the corporate taxable income. This figure will not have an effect on this page, but will if using this page to send info to the self-employed tab)
$
$
Form 1120
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
00,00.00
00,00.00
%
%
1120 Subtotal:
00,00.00
00,00.00
Total Corporation Income (W-2 + Form 1120 income):
00,00.00
00,00.00
Corporation Income Qualification Calculations
00,00.00
00,00.00
Previous Two-Year (2020 & 2021) Average
00,00.00
Summary
Do Not Use
Monthly Averages
Corporation #1 Previous Two-Year (2020 & 2021) Average
00,00.00
Corporation #2 Previous Two-Year (2020 & 2021) Average
00,00.00
Corporation #3 Previous Two-Year (2020 & 2021) Average
00,00.00
Total Qualifying Corporation Income
00,00.00

Schedule F - Profit or Loss from Farming - Stand-alone Calculations

(calculation process and format extracted from SAM (Schedule Analysis Method) form)
Is this an FHA, Fannie Mae or Freddie Mac loan?
Farm #1
Farm Name
2018
2019
Schedule F - Profit or Loss From Farming

Non-Tax Portion Ongoing Coop and CCC Payments (lines 3,4,5,6):

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
/
$
$
Farming Income Total:
00,00.00
00,00.00
Farm Income Qualification Calculations
00,00.00
00,00.00
Previous Year (2020 & 2021) Average
00,00.00
Farm #2
Farm Name
2018
2019
Schedule F - Profit or Loss From Farming

Non-Tax Portion Ongoing Coop and CCC Payments (lines 3,4,5,6):

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
/
$
$
Farming Income Total:
00,00.00
00,00.00
Farm Income Qualification Calculations
00,00.00
00,00.00
Previous Year (2020 & 2021) Average
00,00.00
Farm #3
Farm Name
2018
2019
Schedule F - Profit or Loss From Farming

Non-Tax Portion Ongoing Coop and CCC Payments (lines 3,4,5,6):

$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
/
$
$
Farming Income Total:
00,00.00
00,00.00
Farm Income Qualification Calculations
00,00.00
00,00.00
Previous Year (2020 & 2021) Average
00,00.00
Summary
Do Not Use
Monthly Averages
Farm #1 Previous Two-Year (2020 & 2021) Average
00,00.00
Farm #2 Previous Two-Year (2020 & 2021) Average
00,00.00
Farm #3 Previous Two-Year (2020 & 2021) Average
00,00.00
Total Qualifying Farm Income
00,00.00

Rental Income Worksheet

(calculation process and format extracted from FNMA Form 1084)q
Is this an FHA, Fannie Mae or Freddie Mac loan?
Rental Property #1

Select button next to calculation to be included in determining average monthly qualifying income

Property:
Description (Schedule E line the item is found in)
2018
2019
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
Yearly Totals
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
Previous Year (2021) Average
00,00.00
Rental Property #2

Select button next to calculation to be included in determining average monthly qualifying income

Property:
Description (Schedule E line the item is found in)
2018
2019
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
Yearly Totals
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
Previous Year (2021) Average
00,00.00
Rental Property #3

Select button next to calculation to be included in determining average monthly qualifying income

Property:
Description (Schedule E line the item is found in)
2018
2019
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
Yearly Totals
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
Previous Year (2021) Average
00,00.00
Rental Property #4

Select button next to calculation to be included in determining average monthly qualifying income

Property:
Description (Schedule E line the item is found in)
2018
2019
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
Yearly Totals
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
Previous Year (2021) Average
00,00.00
Rental Property #5

Select button next to calculation to be included in determining average monthly qualifying income

Property:
Description (Schedule E line the item is found in)
2018
2019
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
Yearly Totals
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
Previous Year (2021) Average
00,00.00
Rental Income Summary
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
Total Gross Monthly Rental Income/Loss
00,00.00

Income Calculations Worksheet Active Duty Veterans

Current Rate Of Pay & Base Earnings Calculations
00,00.00
00,00.00

Defaults to 40 hours per week

Base Pay
2019
2018
Date From
01/01/2020
01/01/2019
01/01/2018
Date To
12/31/2019
12/31/2018
12/31/2020
Total Earnings
$
$
$
Months
00,00.00
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
Qualifying Income: YTD + Previous Year Average

00,00.00

Bah Calculations
%
00,00.00
Bah Calculations
%
00,00.00
Period
2020
2019
2018
Date From
01/01/2020
01/01/2019
01/01/2018
Date To
12/31/2019
12/31/2018
12/31/2020
Total Earnings
$
$
$
Months
00,00.00
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
Qualifying Other Income: YTD + Previous Two-Year Average

00,00.00

Unreimbursed Employee Business Expenses (AKA 2106 Expenses)
Period (year)
2019
Date From
01/01/2020
01/01/2019
Date To
12/31/2019
12/31/2018
Total Amount Claimed
$
$
Allowable Add-Back
$
$
Months
00,00.00
00,00.00
Monthly Earnings
00,00.00
00,00.00
Qualification Calculations
00,00.00
00,00.00
Qualifying Income: YTD + Previous Year Average

00,00.00

'Allowable add-back is Depreciation Amount (line 28) located on Page 2 of Form 2106.

If borrower did not claim depreciation (line 28 is zero), then allowed to add back Business Miles (line 13) multiplied by FNMA Depreciation Factor (2014 = 22 cents per mile, 2015/2016 = 24 cents per mile).

Final Monthly Income Reconciliation

Qualifying Income: YTD + Previous Year Average

00,00.00

Qualifying 2106 Expenses: Previous Year Average

00,00.00

Total Calculated Base Earnings (Gross Base Earnings less Unreimbursed Expenses)

00,00.00
00,00.00
00,00.00
00,00.00

Other Additions or Subtractions to Income (provide explanation below)

$

Grand Total Monthly Earnings

00,00.00

MCC Credit Calculations

$
%
00.00
%
00,00.00
12
00,00.00

Non-Taxable and Other Income Worksheet

Borrower'S Non-Taxable And Other Income
Borrower:
Income Source
Document Date
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
Gross Monthly Earnings
Gross-Up Percentage
%
%
%
%
%
Grossed-Up Monthly Earnings
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00

Check guides for the program you are using for the maximum gross-up percentage.

Co-Borrower'S Non-Taxable And Other Income
Borrower:
Income Source
Document Date
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
Gross Monthly Earnings
Gross-Up Percentage
%
%
%
%
%
Grossed-Up Monthly Earnings
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00
00,00.00

Check guides for the program you are using for the maximum gross-up percentage.

Final Non-Taxable Monthly Income Reconciliation
00,00.00
00,00.00
00,00.00

Asset Calculation Worksheet

Count Account Type Institution name Account Number Most Recent Statement Date # of months of statements # of required months Current Balance Qualifying Percentage Override Percentage
#1
$
00,00.00
%
#2
$
00,00.00
%
#3
$
00,00.00
%
#4
$
00,00.00
%
#5
$
00,00.00
%
#6
$
00,00.00
%
#7
$
00,00.00
%
#8
$
00,00.00
%
#9
$
00,00.00
%
#10
$
00,00.00
%
#11
$
00,00.00
%
#12
$
00,00.00
%
DEPOSITS TO REMOVE
Reference Institution Date Amount to exclude Reason/Comments
$
$
$
$
$
$
$
$
$
$
$
$
SUMMARY
Institution Name Account Number Current Balance Total Amount to Exclude Qualifying Percentage Total Qualifying Balance
00,00.00 00,00.00 00,00.00 00,00.00 00,00.00 00,00.00
00,00.00 00,00.00 00,00.00 00,00.00 00,00.00 00,00.00
00,00.00 00,00.00 00,00.00 00,00.00 00,00.00 00,00.00
00,00.00 00,00.00 00,00.00 00,00.00 00,00.00 00,00.00
00,00.00 00,00.00 00,00.00 00,00.00 00,00.00 00,00.00
00,00.00 00,00.00 00,00.00 00,00.00 00,00.00 00,00.00
00,00.00 00,00.00 00,00.00 00,00.00 00,00.00 00,00.00
00,00.00 00,00.00 00,00.00 00,00.00 00,00.00 00,00.00
00,00.00 00,00.00 00,00.00 00,00.00 00,00.00 00,00.00
00,00.00 00,00.00 00,00.00 00,00.00 00,00.00 00,00.00
00,00.00 00,00.00 00,00.00 00,00.00 00,00.00 00,00.00
00,00.00 00,00.00 00,00.00 00,00.00 00,00.00 00,00.00
$
$
$
$
$
00,00.00
00,00.00