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 2021

Rental Property – Investment

(Schedule E)

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

Download Worksheet (PDF)
Updated Jan 2021

Rental Property – Primary

(Schedule E)

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

Download Worksheet (PDF)
Updated Jan 2021

Sole Proprietor

(Schedule C)

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

Download Worksheet (PDF)
Updated Jan 2021

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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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)
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Ask 2. Save 10. Handout

Here are two simple questions to ask self-employed borrowers, so you can save 10. 

Download Worksheet (PDF)