Mortgage Lending · Underwriting
Self-employed borrower analysis guides
A guide showing underwriters how to calculate qualifying income for borrowers who own their own business.
What it usually contains
- Worksheets for sole proprietor, partnership, S-corp, and C-corp returns
- Rules for adding back depreciation, depletion, and other non-cash expenses
- Year-over-year income averaging and declining income tests
- Required documents: two years of returns, K-1s, profit and loss statements, business licenses
- Tests for whether a borrower can access business funds
What the assistant uses it for
Use it to answer how to figure monthly qualifying income from tax returns and business statements, which expenses can be added back, and what paperwork a self-employed applicant must provide.
How it is versioned
A document of this type has exactly one current version at a time. Upload a revision and it becomes the version that counts — the one before it is kept and dated, but is no longer what your assistant answers from. Nothing is ever deleted, so you can always show what this document said on a given date.
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