Income Analysis Tools
Keep Your Career On The Right Track
Our income analysis tools 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.
Download Worksheet (PDF)
Sole Proprietor
(Schedule C)
Calculate the monthly qualifying income for a borrower who is a sole proprietor.
Download Worksheet (PDF)
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)
YTD P&L and Business Statement Analysis
Use our flow chart to guide you in applying temporary COVID-19 agency guidelines and determining a stable monthly income.
Download Worksheet (PDF)
Ask 2. Save 10. Handout
Here are two simple questions to ask self-employed borrowers, so you can save 10.
Download Worksheet (PDF)