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Category: Qualifying the borrower

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Stated Income: Out of the Fat into the Fire

In my August 13th post, I defended ‘stated income’ as a legitimate tool in ...

So how much income do I need to qualify?

When it comes to ‘No Doc’ or ‘Stated Income’ loans, it seems that many ...

Lies, lies, and more lies. What to do if they are lying on their tax return.

Interesting question…and one I cannot answer definitively here. Check with your guidelines. Talk with ...

Truth or Lies…when the tax return really does not tell the story.

“Here is my tax return but let me tell you what I really make.” ...

Tax Gap from small business? Nah!!!!!

In a recent AICPA (American Institute of CPAs) survey, CPAs were asked what they ...

Don’t add back depreciation?

In my tax return analysis workshops I ask the lenders for common adjustments to ...