Income Analysis Tools

Income Analysis Tools

Keep Your Career On The Right Track

Our income analysis tools are designed to help you evaluate qualifying income quickly and conveniently. Use our Excel calculators to easily total your numbers.


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ARM Tool

Including Scenarios

Use this tool to work through common ARM Scenarios and better understand the various adjustable-rate mortgage components.

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Buydown Tool

Including Scenarios

Use this tool to run 3/2/1 and 2/1 buydown scenarios and better understand the various components of the buydown and potential cost savings.

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Essent Cash Flow Analysis – SAM Method

Evaluate qualifying income using the traditional approach, and check out our new tab for analyzing the YTD P&L and Bank Statements.

Rental Property – Investment

Schedule E

Determine the average monthly income/loss for a non-owner occupied investment property.

Download Worksheet (PDF)
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Rental Property – Primary

Schedule E

Determine the average monthly income/loss for a 2-4 unit owner-occupied property.

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RSU Calculator

Use our convenient tool to help you calculate income for performance and time-based RSUs.

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Sole Proprietor

Schedule C

Calculate the monthly qualifying income for a borrower who is a sole proprietor.