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.
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.
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.
Recent Hourly Pay Rate Increase Calculator
Use this calculator to help you calculate more income for a Borrower who is paid hourly and has recently received a pay increase. This follows FHLMC’s 8 step process.
Rental Property – Investment
Schedule E
Determine the average monthly income/loss for a non-owner occupied investment property.
Rental Property – Primary
Schedule E
Determine the average monthly income/loss for a 2-4 unit owner-occupied property.
RSU Calculator
Use our convenient tool to help you calculate income for performance and time-based RSUs.
Salaried/Variable Income Calculator
Use this calculator to accurately calculate qualifying income for your borrower. This is a great resource tool to analyze trends, and total all sources of salaried, variable or non-taxable income.
Sole Proprietor
Schedule C
Calculate the monthly qualifying income for a borrower who is a sole proprietor.