Cash Flow Analysis

This self-employed income analysis and the included descriptions generally apply to individuals:

• Who have 25% or greater interest in a business
• Who are employed by family members
• Who are paid commissions
• Who own rental property
• Who receive variable income, have earnings reported on IRS 1099, or cannot otherwise be verified by an independent and knowable source

To estimate and analyze a borrower's cash flow situation, enter the required data into the cash flow analysis calculator according to the calculations that appear on the borrower's tax returns. Line by line explanations are displayed by hovering the cursor over the help buttons at the beginning of each line. Line item losses are entered with parenthesis ( ). Any data from the respective forms and schedules listed in the cash-flow analysis should be independently reviewed to determine whether the source was appropriate, can be considered ongoing, consistent, and meets investor requirements and guidelines.