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Self-Employed Analysis

S-E Analysis

Tax return analysis for self-employed borrowers (2-year averaging)

Borrower & Business Information
Basic information about the borrower and their business

If less than 100%, only this percentage of income qualifies

Year 1: 2023 Tax Return
Schedule C income and expenses (or equivalent for business type)

Income

Expenses

Add-Backs (Non-Cash/Non-Recurring)

Items that reduce taxable income but don't affect cash flow

Usually = expense depreciation

Year 2: 2024 Tax Return
Most recent year (must be more recent than Year 1)

Income

Expenses

Add-Backs