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'Self-employment earnings' from 1065 K-1

Your question:

Can I use the 'Self-employment earnings (loss)' on Line 14 (A) of the 1065 K-1 as cash flow?

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Asking questions without offending borrowers

Your question:

With our emphasis on retaining and building lending relationships, how can I frame my questions so I don't offend our long-time borrowers?

Linda...
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Capital gains income…use it or not?

Your question:

Should we ever use capital gains income? My senior lender says we do not underwrite based on conversion of assets, only on income.

Linda...
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Skipping documentation

Your question:

Do I have to ask about and get documentation for cashflow that I do not need to qualify my borrower?

Linda says:

Another way to ask this...

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Tax Return Analysis and Nominee Income: Can you use it?

Your question:

What is 'Nominee' income and how do I treat it?

Linda says:

Ignore the expense and the associated income.

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Hobby Losses

Hobby or a Tax Dodge? What lenders need to know before they make the loan

Your question:

How long can a business show a loss? Aren't there some rules about hobby losses?



Linda says:

You have seen it...a business...

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How bankers do (and don’t) use tax return pass-through income and losses in global cash flow

Your question:

I can understand why a taxpayer wants to show pass-through losses. But why would they show income?


Linda says:

A lender recently asked...

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Shut up and Listen…Part III.

Linda Gardner wrote a great article in the February 2007 RMA Journal on Understanding Your Middle-Market Customer. See my previous two posts; the first with a link to...

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