Income Calculation
Wage, self-employed and rental income calculated to agency rules, every figure traced to its page.
Why it matters
Self-employed and rental income takes hours of hand work across two years of returns and K-1s, and calculation errors are a leading cause of repurchase findings.
How the solution handles it
A reader pulls every income line from paystubs, returns and K-1s with its page. Calculators apply agency rules for wage, self-employed and rental income, and a trend checker flags declines and gaps. The underwriter approves the qualifying figure.
How an income file moves
Six specialist agents read returns and paystubs, calculate wage, self-employed and rental income and flag declines; an underwriter approves the figure.
What it reads, and what it hands back.
What goes in
- Paystubs and W-2s
- IRS Form 1040 with Schedules C and E
- Form 1120-S / 1065 and K-1s
- Leases and Form 1007 rent schedule
- IRS tax transcripts
What comes out
- Cited qualifying-income worksheet
- Form 1084 cash-flow analysis
- Declining-income and gap flags
- Conditions for missing documents
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
Sources: Fannie Mae Selling Guide B3-3 (income assessment, Form 1084) · “Target” = design goal, measured in the live solution · by-hand time = typical manual effort reported by lenders · agents = the live solution’s configuration
6 specialist agents. One person decides.
More in this division.
A full loan package classified, split, extracted and bookmarked, every field cited to its page.
Condition ClearingEvery PTD and PTF condition matched to the document that clears it, the same day it arrives.
Appraisal ReviewEvery appraisal checked against UAD 3.6, its comparables and agency rules before anyone relies on the value.
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