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 easily. Use our PDF worksheets to total numbers by hand or let our Excel calculators do the work for you.


Updated Jan 2022

Rental Property – Investment

Schedule E

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

Download Worksheet (PDF)
Updated Jan 2022

Rental Property – Primary

Schedule E

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

Download Worksheet (PDF)
Updated Jan 2022

Sole Proprietor

Schedule C

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

Download Worksheet (PDF)
Updated Jan 2022

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)
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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.

Income Analysis Job Aids

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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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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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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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