Income Analysis Tools & Job Aids
Keep Your Career On The Right Track
Our income analysis tools and job aids are designed to help you evaluate qualifying income quickly and easily. Use our PDF worksheets to total numbers by hand or let our Excel calculators do the work for you.
Rental Property – Investment
Schedule E
Determine the average monthly income/loss for a non-owner occupied investment property.
Download Worksheet (PDF)
Rental Property – Primary
Schedule E
Determine the average monthly income/loss for a 2-4 unit owner-occupied property.
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Sole Proprietor
Schedule C
Calculate the monthly qualifying income for a borrower who is a sole proprietor.
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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.
Download Worksheet (PDF)
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.
Income Analysis Job Aids
Rental Guideline Comparison Job Aid
Use this job aid to compare agency guidelines for converting a primary home to a rental property.
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Interested Party Contributions (IPCs) – Checklist
Use this job aid to identify common IPCs for financing and sales concessions.
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Guideline Comparison – Employment Contracts and Job Offers Aid
Use this job aid to compare agency guidelines when using employment offers as proof of income.
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Guideline Comparison – 8825 Analysis Job Aid
Use this job aid to compare agency guidelines for determining how and when to offset personally obligated mortgage debt.
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Tax Return Deadlines Job Aid
Use this job aid to compare age of tax return requirements for agency guidelines, based on application/disbursement date or note date, to determine accurate documentation.
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Guideline Comparison – Rental Income Generated From an ADU
Use this job aid to easily compare agency guidelines for determining when you can and cannot use rental income from an accessory dwelling unit on a 1-unit primary residence.
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