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Self-employed borrower cash flow analysis

1 out of 10 borrowers who walks through your door is likely to be self-employed. Take advantage of the opportunity these borrowers represent by learning how to determine their cash flow.

As business owners, the self-employed borrowers’ goal is to maximize income and earning potential and at the same time, reduce their tax liability. The problem with that is reducing tax liabilities decreases reported income and makes qualifying for a loan more challenging.

Our cash flow analysis worksheets promote ease and accuracy to help you untie the complexities of determining self-employed borrowers' income.

See our Underwriting Guide, section 3.08.02, for underwriting and documentation requirements for loans that use qualifying income from self-employed borrowers.

Cash flow analysis worksheets, Tax Year 2016

Available NOW

Our editable, auto-calculating worksheets help you analyze:

  • SAM cash flow
  • Rental income
  • Liquidity

Form Features

  • You can now enter multiple Schedule Cs by selecting the + symbol 
  • You can enter multiple partnerships, S-corporations and corporations by selecting the + symbol
  • The Cash Flow Summary auto-fills, making it easy to determine which income/loss to include or exclude — click a line item to access our resource guide
  • Line-by-line instructions guide you through tax returns
  • The Rental Income Worksheet guides you toward an accurate rental income/loss financial summary for each property and allows for easy analysis and entry of final information into your LOS
  • The Liquidity Worksheet auto-calculates Current and Quick Asset Ratios, helping determine business liquidity

Access the worksheets

Sign up for instant access to our SAM cash flow analysis, rental income and liquidity worksheets.


Sign up for our Self-Employed Borrower webinars. We offer personal tax return analysis and business tax return analysis classes.

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