CPAs
The HELOC Payoff Spreadsheet, Decoded
For CPAs: the one page that answers the line-of-credit payoff spreadsheet, covering where the savings come from, the hidden risk and the deduction problem.
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Guide · CPAs
The Add-Back Map
A lender does not treat every write-off the same way. Some get added back; others quietly shrink the income a client can use. This map shows which is which, before the return is final.
Who it is for: CPAs. Keep it by your desk through filing season, so you can flag an issue in February instead of explaining it in June.
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- Short and plainWritten for one situation, in plain words.
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Why it matters
Lenders do not read the top line
When we review a self-employed borrower, we start from the income left after the write-offs, then make two kinds of adjustments. The difference between them decides loans.
A few items surprise even experienced preparers, including how business mileage and pass-through income are read, and how a lighter recent year can outweigh a stronger one. You see the return a year before the lender does.
What the guide covers
- What we add back, because no cash left the business
- What stays subtracted
- Two items the lender reads differently from the return
- The timing rule almost no one flags
- The move that protects your client
The honest part. General information on how lenders read a return, not tax advice.
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- Short and plain. Written for one situation, in plain words.
- Questions after you read it? Call a licensed loan officer at 732-686-9999.
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Investors and their CPAs
The Investor’s Income Paradox
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Self-employed
The Self Employed Homebuyer’s Checklist
What a lender counts as self-employed income, the documents that move a file, and the options most lenders never mention.
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This page is general information, not a commitment to lend. Programs, terms and eligibility depend on credit, income, property and underwriting review and are subject to change without notice. The guide is general information for CPAs on how lenders read a return, not tax or individualized financial advice.