Fannie Mae Cash Flow Analysis Calculator

Self-Employment Income Calculator

Name: 719 Lending
Price range: $$$

Calculations are based on the Fannie Mae Cash Flow Analysis Worksheet.

Select Income Sources

W-2 Income Schedule B (Interest & Dividends) Schedule C (Sole Proprietorship) Schedule D (Capital Gains) Schedule E (Rental Income) Schedule F (Farm Income) Partnership (Form 1065) S-Corporation (Form 1120S) Corporation (Form 1120)

W-2 Income

Most Recent Year

W-2 Income from Self-Employment (Add back eligible 'Other' deductions like Amortization/Casualty Loss):

Prior Year

W-2 Income from Self-Employment (Add back eligible 'Other' deductions like Amortization/Casualty Loss):

Schedule B – Interest and Ordinary Dividends

Most Recent Year

Interest Income from Self-Employment (Line 1): Dividends from Self-Employment (Line 5):

Prior Year

Interest Income from Self-Employment (Line 1): Dividends from Self-Employment (Line 5):

Schedule C – Profit or Loss from Business

Most Recent Year

Net Profit or Loss (Line 31): Nonrecurring Other (Income) Loss/Expenses (Line 6): Depletion (Line 12): Depreciation (Line 13): Non-deductible Meals and Entertainment (Line 24b): Business Use of Home (Line 30, check guidelines): Amortization/Casualty Loss (Part V): Business Miles (Line 44a or Form 4562, Line 30):

Prior Year

Schedule D – Capital Gains and Losses

Most Recent Year

Recurring Capital Gains from Self-Employment:

Prior Year

Recurring Capital Gains from Self-Employment:

Schedule E – Supplemental Income and Loss

Most Recent Year

Royalties Received (Line 4): Total Expenses (Line 20): Depletion (Line 18):

Prior Year

Royalties Received (Line 4): Total Expenses (Line 20): Depletion (Line 18):

Note: Lenders may use Fannie Mae Forms 1037/1038 for rental income calculations.

Schedule F – Profit or Loss from Farming

Most Recent Year

Net Farm Profit or Loss (Line 34): Non-Tax Portion Ongoing Coop/CCC Payments (Lines 3, 4, 6a-b): Nonrecurring Other (Income) or Loss (Lines 5c & 8): Depreciation (Line 14): Amortization/Casualty Loss/Depletion (Line 32): Business Use of Home (Line 32, check guidelines):

Prior Year

Partnership (Form 1065)

Most Recent Year

Ordinary Income/Loss (K-1, Line 1): Net Rental Real Estate/Other Income (K-1, Lines 2, 3): Guaranteed Payments (K-1, Line 4c): Ordinary (Income) Loss from Other Partnerships (Line 4): Nonrecurring Other (Income) or Loss (Lines 5, 6, 7): Depreciation (Line 16c, incl. 8825 Line 14): Depletion (Line 17): Amortization/Casualty Loss (Line 21 attachments): Mortgages/Notes Payable < 1 Year (Schedule L, Line 16d): Non-deductible Travel/Entertainment (Schedule M-1, Line 4b): Ownership % (K-1):

Prior Year

S-Corporation (Form 1120S)

Most Recent Year

Ordinary Income/Loss (K-1, Line 1): Net Rental Real Estate/Other Income (K-1, Lines 2, 3): Nonrecurring Other (Income) Loss (Lines 4, 5): Depreciation (Line 14, incl. 8825 Line 14): Depletion (Line 15): Amortization/Casualty Loss (Line 20 attachments): Mortgages/Notes Payable < 1 Year (Schedule L, Line 17d): Non-deductible Travel/Entertainment (Schedule M-1, Line 3b): Ownership % (K-1, Line G):

Prior Year

Corporation (Form 1120)

Most Recent Year

Taxable Income (Line 30): Total Tax (Line 31): Nonrecurring (Gains) Losses (Lines 8, 9): Nonrecurring Other (Income) Loss (Line 10): Depreciation (Line 20): Depletion (Line 21): Amortization/Casualty Loss (Line 26 attachments): Net Operating Loss/Special Deductions (Line 29c): Mortgages/Notes Payable < 1 Year (Schedule L, Line 17d): Non-deductible Travel/Entertainment (Schedule M-1, Line 5c): Dividends Paid to Borrower (Schedule B):

Prior Year

Note: Corporation earnings require 100% ownership by borrower(s).

Results

One-Year Calculation (Most Recent Year) *Most Recent Data* - Monthly Qualifying Income: $0.00 ℹEnter data to see calculation breakdown.

Two-Year Average *Optional, if income is stable* - Monthly Qualifying Income: $0.00 ℹEnter data for both years to see calculation breakdown.

Note: This calculator helps estimate qualifying self-employment income using Fannie Mae's Cash Flow Analysis guidelines. Enter income data for any two tax years. This tool is for guidance only and does not replace Fannie Mae’s official instructions or requirements. Consult a mortgage professional for accurate calculations.