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{"sheet":"Conforming SE Income Analysis","index":0,"n_rows":137,"n_cols":8,"rows_kept":137,"cut":false,"hidden":false,"merged":[[41,7,59,7],[98,1,98,2],[68,1,68,2],[133,1,133,2],[124,3,124,6],[126,1,126,2],[127,1,127,2],[128,1,128,2],[129,1,129,2],[130,1,130,2],[131,1,131,2],[123,1,123,2],[69,1,69,2],[70,1,70,2],[71,1,71,2],[116,1,116,2],[119,1,119,2],[101,1,101,2],[99,3,99,6],[113,1,113,2],[79,1,79,2],[80,1,80,2],[114,1,114,2],[66,7,69,7],[0,1,0,7],[3,1,3,7],[1,3,2,6],[1,7,2,7],[14,1,14,2],[12,1,12,2],[13,1,13,2],[11,1,11,2],[5,1,5,2],[6,3,6,6],[8,1,8,2],[9,1,9,2],[10,1,10,2],[6,7,23,7],[21,1,21,2],[22,1,22,2],[23,1,23,2],[76,7,92,7],[99,7,117,7],[76,3,76,6],[57,1,57,2],[56,1,56,2],[94,1,94,2],[88,1,88,2],[30,7,33,7],[29,1,29,2],[35,7,36,7],[87,1,87,2],[51,1,51,2],[52,1,52,2],[49,1,49,2],[50,1,50,2],[65,1,65,2],[66,3,66,6],[75,1,75,2],[92,1,92,2],[53,1,53,2],[54,1,54,2],[55,1,55,2],[58,1,58,2],[61,1,61,2],[25,1,25,2],[43,1,43,2],[44,1,44,2],[47,1,47,2],[24,1,24,2],[30,3,30,6],[32,1,32,2],[33,1,33,2],[34,1,34,2],[36,1,36,2],[41,3,41,6],[45,1,45,2],[40,1,40,2],[124,7,131,7],[134,1,134,2],[110,1,110,2],[111,1,111,2],[112,1,112,2],[103,1,103,2],[105,1,105,2],[106,1,106,2],[107,1,107,2],[108,1,108,2],[109,1,109,2],[115,1,115,2],[120,1,120,2],[85,1,85,2],[86,1,86,2],[62,1,62,2],[89,1,89,2],[72,1,72,2],[95,1,95,2],[136,1,136,2],[26,1,26,2],[37,1,37,2],[78,1,78,2],[83,1,83,2],[82,1,82,2],[84,1,84,2]]}
[null,"Self Employment Worksheet\nCash Flow Analysis"]
[null,"Borrower:                                                  ","Loan #:                    ","Investor:",null,null,null,"Program Type:   \nConforming"]
[null,"Completed by:","Date:"]
[null,"Complete all sections left to right, oldest year to most current.  Refer to specific investor guidelines for specific income calculation requirements.\nALL GREEN CELLS have formulas, do not type any data in the green fields.\nNote: When entering an amount as a \"loss\" in a (+/-) cell, a minus (-) sign must be placed in front of the amount. "]
[]
[null,"Sole Proprietor",null,2015,2016,2017,"YTD P&L as of: \n\n","Comments\n"]
[null,"Schedule C - Sole Proprietorship",null,"Business Name:\n"]
[null,null,"Enter # of months:",0,0,0,0]
[null,"Net Profit or (Loss)",null,0,0,0,0]
[null,"Nonrecurring Other (Income) Loss/Expenses",null,0,0,0,0]
[null,"Depletion",null,0,0,0,0]
[null,"Depreciation"," ",0,0,0,0]
[null,"Non-deductible Meals and Entertainment Expenses",null,0,0,0,0]
[null,"Business Use of Home",null,0,0,0,0]
[null,"Business Miles - Schedule C Part IV"]
[null," - Business Miles - Oldest Year",0,{"$f":"C16*C17","v":0}]
[null,"        - Depreciation Rate",0]
[null," - Business Miles - Next Year",0,null,{"$f":"C18*C19","v":0}]
[null,"        - Depreciation Rate",0]
[null," - Business Miles - Most Recent Year",0,null,null,{"$f":"C20*C21","v":0}]
[null,"        - Depreciation Rate",0]
[null,"Amortization/Casualty Loss",null,0,0,0,0]
[null,"Other (explain)",null,0,0,0,0]
[null,"Other (explain)",null,0,0,0,0]
[null,null,null,null,null,null,null,"Qualifying income"]
[null,"Total Sole Proprietorship\n(Qualifying Income calculated on the lesser of:  stable income 2-3 previous years, declining income-most recent year, declining income from P&L)",null,{"$f":"SUM(D9:D12,D14,D16,D22:D24)-D13","v":0},{"$f":"SUM(E9:E12,E14,E16,E18,E22:E24)-E13","v":0},{"$f":"SUM(F9:F12,F14,F16,F20,F22:F24)-F13","v":0},{"$f":"SUM(G9:G12,G14,G16,G22:G24)-G13","v":0},0]
[null," Monthly Average",null,{"$f":"IFERROR(D26/D8,0)","v":0},{"$f":"IFERROR(E26/E8,0)","v":0},0,0]
[]
[]
[null,"PARTNERSHIP with LESS than 25% ownership",null,2015,2016,2017,"YTD P&L as of: \n\n","Comments\n"]
[null,"K-1 (Form 1065) - Partners Share of Income",null,"Business Name:",null,null,null,"\n"]
[null,null,"Enter # of months:",0,0,0,0]
[null,"Ordinary Income (Loss)  (use lesser of distributions or ordinary income depending on investor requirements, see 2nd page to this worksheet)",null,0,0,0,0]
[null,"Net Rental Real Estate; Other Net Income (Loss)",null,0,0,0,0]
[null,"Guaranteed Payments to Partner ",null,0,0,0,0,"Qualifying income "]
[null,"Unreimbursed Partner Expenses (UPE)",null,0,0,0,0,0]
[null,"Total income from K-1",null,{"$f":"SUM(D33:D35)-D36","v":0},{"$f":"SUM(E33:E35)-E36","v":0},0,0]
[null," Monthly Average",null,{"$f":"IFERROR(D37/D32,0)","v":0},{"$f":"IFERROR(E37/E32,0)","v":0},{"$f":"IFERROR(F37/F32,0)","v":0},{"$f":"IFERROR(G37/G32,0)","v":0}]
[]
[]
[null,"PARTNERSHIP  with 25% or MORE ownership",null,2015,2016,2017,"YTD P&L as of: \n\n","Comments\n"]
[null,"K-1 (Form 1065) - Partners Share of Income",null,"Business Name:"]
[null,null,"Enter # of months:",0,0,0,0]
[null,"Ordinary Income (Loss)  (use lesser of distributions or ordinary income depending on investor requirements, see 2nd page to this worksheet)",null,0,0,0,0]
[null,"Net Rental Real Estate; Other Net Income (Loss)",null,0,0,0,0]
[null,"Guaranteed Payments to Partner ",null,0,0,0,0]
[null,"Unreimbursed Partner Expenses (UPE)",null,0,0,0,0]
[null,"Total income from K-1",null,{"$f":"SUM(D44:D46)-D47","v":0},{"$f":"SUM(E44:E46)-E47","v":0},0,0]
[null,"Partnership (Form 1065) "]
[null,"Ordinary (Income) Loss from Other Partnerships",null,0,0,0,0]
[null,"Nonrecurring Other (Income) or Loss",null,0,0,0,0]
[null,"Depreciation",null,0,0,0,0]
[null,"Depletion",null,0,0,0,0]
[null,"Amortization/Casualty Loss",null,0,0,0,0]
[null,"Mortgage/Notes Payable in Less than 1 Year",null,0,0,0,0]
[null,"Non-deductible Travel and Entertainment Expenses",null,0,0,0,0]
[null,"Other (explain)",null,0,0,0,0]
[null,"Subtotal",null,{"$f":"SUM(D50:D54,D57)-(D56+D55)","v":0},{"$f":"SUM(E50:E54,E57)-(E56+E55)","v":0},0,0]
[null,"Ownership Percentage Listed on Schedule K-1",null,0,0,0,0]
[null,"Borrower's share of Partnership Income",null,{"$f":"D58*D59","v":0},{"$f":"E58*E59","v":0},{"$f":"F58*F59","v":0},{"$f":"G58*G59","v":0}]
[null,null,null,null,null,null,null,"Qualifying income "]
[null,"Total Income from Partnership\n(Qualifying Income calculated on the lesser of:  stable income 2-3 previous years, declining income-most recent year, declining income from P&L)",null,{"$f":"SUM(D48,D60)","v":0},{"$f":"SUM(E48,E60)","v":0},{"$f":"SUM(F48,F60)","v":0},{"$f":"SUM(G48,G60)","v":0},0]
[null," Monthly Average",null,{"$f":"IFERROR(D62/D43,0)","v":0},{"$f":"IFERROR(E62/E43,0)","v":0},{"$f":"IFERROR(F62/F43,0)","v":0},{"$f":"IFERROR(G62/G43,0)","v":0}]
[]
[]
[null,"S-Corporation K-1 with less than 25% ownership",null,2015,2016,2017,"YTD P&L as of: \n\n","Comments\n"]
[null,"K-1 (Form 1120s) - Shareholders Income",null,"Business Name:"]
[null,null,"Enter # of months:",0,0,0,0]
[null,"Ordinary Income (Loss)  (use lesser of distributions or ordinary income depending on investor requirements)",null,0,0,0,0]
[null,"Net Rental Real Estate; Other Net Rental Income (Loss)",null,0,0,0,0]
[null,null,null,null,null,null,null,"Qualifying income "]
[null,"Total income from K-1",null,{"$f":"SUM(D69:D71)","v":0},{"$f":"SUM(E69:E71)","v":0},0,0,0]
[null," Monthly Average",null,{"$f":"IFERROR(D72/D68,0)","v":0},{"$f":"IFERROR(E72/E68,0)","v":0},0,0]
[]
[]
[null,"S-Corporation K-1 with 25% or MORE ownership",null,2015,2016,2017,"YTD P&L as of: \n\n","Comments\n"]
[null,"K-1 (Form 1120s) - Shareholders Income",null,"Business Name:"]
[null,null,"Enter # of months:",0,0,0,0]
[null,"Ordinary Income (Loss)  (use lesser of distributions or ordinary income depending on investor requirements)",null,0,0,0,0]
[null,"Net Rental Real Estate; Other Net Rental Income (Loss)",null,0,0,0,0]
[]
[null,"S-Corporation (Form 1120s)"]
[null,"W-2 Officer Compensation to Borrower (not included in % of Corporation Income)",null,0,0,0,0]
[null,"subtotal K-1 and W-2 ",null,{"$f":"SUM(D79:D81,D83)","v":0},{"$f":"SUM(E79:E81,E83)","v":0},0,0]
[null,"Nonrecurring Other Income (Loss)",null,0,0,0,0]
[null,"Depreciation",null,0,0,0,0]
[null,"Depletion",null,0,0,0,0]
[null,"Amortization/Casualty Loss",null,0,0,0,0]
[null,"Mortgage/Notes Payable in Less than 1 Year",null,0,0,0,0]
[null,"Non-deductible Travel and Entertainment Expenses",null,0,0,0,0]
[null,"Other (explain)",null,0,0,0,0]
[null,"Subtotal",null,{"$f":"SUM(D85:D88,D91)-(D89+D90)","v":0},{"$f":"SUM(E85:E88,E91)-(E89+E90)","v":0},0,0]
[null,"Ownership Percentage Listed on Schedule K-1",null,0,0,0,0]
[null,"Total S-Corp Income from 1120S",null,{"$f":"D92*D93","v":0},{"$f":"E92*E93","v":0},0,0,"Qualifying income "]
[null,"Total K-1 + W-2 + S-Corp 1120S\n(Qualifying Income calculated on the lesser of:  stable income 2-3 previous years, declining income-most recent year, declining income from P&L)",null,{"$f":"SUM(D84,D94)","v":0},{"$f":"SUM(E84,E94)","v":0},0,0,0]
[null," Monthly Average",null,{"$f":"IFERROR(D95/D78,0)","v":0},{"$f":"IFERROR(E95/E78,0)","v":0},0,0]
[]
[]
[null,"Corporation  ",null,2015,2016,2017,"YTD P&L as of: \n\n","Comments\n"]
[null,"Corporation (Form 1120)",null,"Business Name:"]
[null,null,"Enter # of months:",0,0,0,0]
[null,"W-2 Officer Compensation to Borrower (not included in % of Corporation Income)",null,0,0,0,0]
[]
[null,"Taxable Income*",null,0,0,0,0]
[null,"Total Tax"," ",0,0,0,0]
[null,"Nonrecurring Other (Gains) Losses",null,0,0,0,0]
[null,"Nonrecurring Other (Income) Loss",null,0,0,0,0]
[null,"Depreciation",null,0,0,0,0]
[null,"Depletion",null,0,0,0,0]
[null,"Amortization/Casualty Loss:",null,0,0,0,0]
[null,"Net Operating Loss and Special Deductions",null,0,0,0,0]
[null,"Mortgages/Notes Payable in Less than 1 Year",null,0,0,0,0]
[null,"Non-deductible Travel and Entertainment Expenses",null,0,0,0,0]
[null,"Subtotal Corporation Income/Loss",null,{"$f":"SUM(D104,D106:D111)-(D105+D112+D113)","v":0},{"$f":"SUM(E104,E106:E111)-(E105+E112+E113)","v":0},0,0]
[null,"Ownership Percentage Listed on 1120 Schedule E ",null,0,0,0,0]
[null,"Subtotal Borrower's Portion of Corporation Income/Loss",null,{"$f":"D114*D115","v":0},{"$f":"E114*E115","v":0},0,0]
[null,"Dividends Paid to Borrower",null,0,0,0,0]
[null,"Total Corp Income from 1120",null,{"$f":"SUM(D116,D117)","v":0},{"$f":"SUM(E116,E117)","v":0},0,0]
[null,null,null,null,null,null,null,"Qualifying income "]
[null,"Total Corporation Income\n(Qualifying Income calculated on the lesser of:  stable income 2-3 previous years, declining income-most recent year, declining income from P&L)",null,{"$f":"SUM(D102,D118)","v":0},{"$f":"SUM(E102,E118)","v":0},0,0,0]
[null," Monthly Average",null,{"$f":"IFERROR(D120/D101,0)","v":0},{"$f":"IFERROR(E120/E101,0)","v":0},0,0]
[]
[]
[null,"Farm",null,2015,2016,2017,"YTD P&L as of: \n\n","Comments\n"]
[null,"Schedule F – Profit or Loss from Farming",null,"Business Name:"]
[null,null,"Enter # of months:",0,0,0,0]
[null,"Net Farm Profit or (Loss)",null,0,0,0,0]
[null,"Non-taxable Portion of Ongoing Coop and CCC Payments",null,0,0,0,0]
[null,"Nonrecurring Other (Income) Loss",null,0,0,0,0]
[null,"Depreciation",null,0,0,0,0]
[null,"Amortization/Casualty Loss/Depletion",null,0,0,0,0]
[null,"Business Use of Home",null,0,0,0,0]
[null,null,null,null,null,null,null,"Qualifying income "]
[null,"Total Farming Profit or Loss\n(Qualifying Income calculated on the lesser of:  stable income 2-3 previous years, declining income-most recent year, declining income from P&L)",null,{"$f":"SUM(D127:D133)","v":0},{"$f":"SUM(E127:E133)","v":0},0,0,0]
[null," Monthly Average",null,{"$f":"IFERROR(D134/D126,0)","v":0},{"$f":"IFERROR(E134/E126,0)","v":0},0,0]
[]
[null," ",null,null,null,null,null," "]

{"sheet":"Partnership and S Corp Analysis","index":1,"n_rows":93,"n_cols":22,"rows_kept":93,"cut":false,"hidden":false,"merged":[[58,2,58,19],[59,2,59,3],[59,4,59,9],[59,10,59,11],[61,2,61,21],[62,2,62,6],[62,11,62,19],[63,3,63,6],[63,9,63,10],[63,11,63,22],[53,2,53,5],[53,13,54,21],[53,6,54,12],[54,2,54,5],[56,2,56,5],[56,7,56,21],[32,2,32,10],[37,2,37,21],[41,2,41,9],[43,2,43,12],[43,14,43,21],[18,1,22,21],[23,2,25,21],[27,2,27,9],[27,14,28,21],[30,2,30,12],[30,14,30,15],[30,18,30,21],[5,0,7,0],[5,1,7,22],[8,1,8,22],[10,1,10,10],[11,1,11,20],[17,1,17,21],[3,1,3,9],[3,10,3,12],[3,13,3,22],[12,3,12,15],[13,3,13,15],[15,1,15,22],[3,26,3,33],[8,23,8,29],[0,1,0,21],[1,1,2,9],[1,10,1,12],[1,13,1,22],[2,10,2,12],[2,13,2,22],[43,23,43,31],[44,2,44,21],[45,2,45,21],[50,2,50,19],[51,2,51,20],[48,2,48,21],[64,9,64,10],[64,11,64,21],[65,3,65,6],[65,9,65,10],[65,11,65,21],[64,3,64,6],[66,3,66,6],[66,9,66,10],[66,11,66,21],[67,3,67,6],[67,9,67,10],[67,11,67,21],[71,2,71,5],[72,2,79,21],[81,2,81,5],[82,2,90,21],[68,3,68,6],[68,9,68,10],[68,11,68,21],[69,3,69,5],[69,9,69,10],[69,11,69,21]]}
[]
[null,"\n\n\n\n",null,null,null,null,null,null,null,null,"Loan #:"]
[null,null,null,null,null,null,null,null,null,null,"Borrower Name:"]
[null,"Partnership and S Corporation Cash Flow Analysis Worksheet ",null,null,null,null,null,null,null,null,"Business Name:"]
[]
[null,"This worksheet must be used to prepare a written evaluation of the analysis of income related to Partnership and/or S Corporation Income and be made part of the final self employed income calculation worksheet for each loan following Fannie Mae and Freddie Mac credit requirements. The purpose of this written analysis is to determine the amount of stable and continuous Partnership and/or S Corporation income that will be available to the borrower for loan qualifying purposes.\n"]
[]
[]
[null,"Note: When entering an amount as a \"loss\" in a (+/-) cell, a minus (-) sign must be placed in front of the amount. "]
[]
[null,"Partnership or S Corporation"]
[null,"A self-employed borrower's share of Partnership or S Corporation earnings may be considered provided that:"]
[null,null,"•","The borrower can document ownership share (for example, the Schedule K-1); and"]
[null,null,"•","The business has adequate liquidity to support the withdrawal of earnings."]
[]
[null,"Note: Instructions for additional guidance on documenting business liquidity. \nIf the Schedule K-1 reflects a stable history of cash distributions consistent with the level of ordinary/rental income being used to qualify, then no further documentation is required.\nIf the Schedule K-1 does NOT reflect a documented, stable history of receiving cash distributions, we must confirm and document the following:\n•The business has adequate liquidity to support the withdrawal of earnings being used to qualify.\nNote: For Freddie Mac, the lender is required to confirm access to the income when the borrower(s) owns less 100% of the business."]
[]
[null,"Calculations used to determine qualifying income from Partnership or S Corporation\n\n"]
[null,"The following income from the borrower’s Partnership or S-Corporation is being used as qualifying income. When required, borrower’s share of and access to the income plus calculation of adequate business liquidity is documented and noted.\n\nForm 1065 - Partnership  or 1120 S Corporation\n\n"]
[]
[]
[]
[]
[null,"1.","Using average of Cash Distributions reported on K-1 as qualifying income. Cash distributions may be used to meet the requirement of demonstrating the business had adequate liquidity to pay the earnings. \nUse Cash Distribution amount if equal to or LESS than Cumulative total of Ordinary and Net Rental Real Estate income reported for each year respectively. No further evaluation above standard business analysis required. "]
[]
[]
[]
[null," ","Total K-1 Cash Distributions of Partnership or S Corporation:",null,null,null,null,null,null,null,"2015","2016","2017",null,"Note: Use cash distributions as qualifying income if equal to or less than the cumulative total of all ordinary, Net Rental Real estate; other Net  Income reported on K-1."]
[null,null,null,null,null,null,null,null,null,null,0,0,0]
[]
[null,null,"Total Cash Distributions reported on line 19 of K-1 of 1065 for Partnerhsip or box defining D for Distributions on K-1 of 1120S for S-Corp. (Number of years as determined by AUS or Jumbo Investor)"]
[]
[null," ","Total of Ordinary Income/loss as reported on line 1 of K1. "]
[]
[null,null,null,null,null,null,null,null,null,null,"2015","2016","2017"]
[null,null,null,null,null,null,null,null,null,null,0,0,0]
[]
[null,null,"Total of Net Rental Real estate; Other Net Income/loss as reported on line 2 and 3 of K1. "]
[]
[null,null,null,null,null,null,null,null,null,null,"2015","2016","2017"]
[null,null,null,null,null,null,null,null,null,null,0,0,0]
[null,null,"Total Ordinary Income/loss & Net Rental Income/loss",null,null,null,null,null,null,null,{"$f":"K36+K41","v":0},{"$f":"L36+L41","v":0},0]
[]
[null,null,"If Distributions are greater than Ordinary income, only use the LESSER of Ordinary Income.   \nNo further evaluation above standard business analysis required.\n\nIf Total Ordinary Income/loss & Net Rental Income/loss is a Negative, Cash Distributions can NOT be used for income.  "]
[]
[null,null,"If Cash Distribution amount is equal to Cumulative total of Ordinary and Net Rental Real Estate,\nOR\nThe Borrower is qualified on the lessor cash distribution, STOP.\nNo further evaluation above standard business analysis required."]
[]
[]
[null,"2.","When K-1 Cash Distributions DO NOT support the cumulative total of Ordinary & Net Rental Real Estate income used as qualifying income or additional business income that does not flow through and reflect as income on the borrower's K-1 (i.e. positive business cash flow adjustments such as depreciation) is being used to qualify, the following is required:"]
[]
[null,null," a) Calculate an acceptable  Business Liquidity ratio resulting in a ratio of one (1) or greater utilizing Schedule L from the most recent business tax or fiscal year end. If Schedule L was not completed, obtain YTD Balance sheet along with most recent two months business bank statements¤ and complete the applicable Liquidity calculator below."]
[null,null,"Note: If excluding Mortgages, Bonds due less than 1 year from calculation of qualifying income. Enter 0 in Ratio calculator below."]
[]
[null,null,"Business w/o inventory- (Quick Ratio)",null,null,null,"Liquidity Calculator - Quick and Current Ratio",null,null,null,null,null,null,"Read full instructions on page 1 of calculators before inputting data.  "]
[null,null,"Business w/inventory- (Current Ratio)"]
[]
[null,null,"• Business Liquidity ratio is: ",null,null,null,null,"Must equal to one (1) or greater based on most current year. When ratio is less than 1, adequate Business Liquidity must be documented and supported as sufficient using analysis in Final Income reconciliation section.  This number will come from the Quick Ratio or Current Ratio Liquidity Calculator above. "]
[]
[null,null," b) When more than one year of business returns are being used to calculate qualifying income, taxable business income trend must be at least level or increasing. Any trend that is declining must be documented and supported as sufficient using analysis in Final Income reconciliation section.  \n"]
[null,null,"\n(May use form ",null,"Fannie Mae Comparative Income Analysis",null,null,null,null,null,"to document)"]
[]
[null,"3.","When using additional business income that does not flow through and reflect as income on the borrower's K-1 (i.e. positive business cash flow adjustments such as depreciation) the following additional calculation must be performed and result in business liquidity that meets or exceeds the additional annual business income being used to qualify. Freddie Mac only- When borrower owns less than 100% of the business verify that the borrower's legal right to the additonal income is not encumbered, restricted or prevented by the corporate resolution, partnership agreement or other comparable document."]
[null,null,"         Business Income Liquidity Calculation:",null,null,null,null,null,null,null,null,"From Schedule L Balance Sheet on most recent tax return"]
[null,null,null,"Current Assets of Business",null,null,null,null,"$",null,null," Cash"]
[null,null,null,null,null,null,null,null,"$",null,null," Trade notes and accounts receivable (before allowance for bad debts)"]
[null,null,null,null,null,null,null,null,"$",null,null," Other current assets"]
[null,null,null,"Minus (-) Total Liabilities",null,null,null,null,"$",null,null," Accounts Payable"]
[null,null,null,null,null,null,null,null,"$",null,null," Mortgages, notes, bonds payable in < 1 year"]
[null,null,null,null,null,null,null,null,"$",null,null," Other current liabilities"]
[null,null,null,"= Business Liquidity",null,null,null,null,"$",{"$f":"SUM(J64+J65+J66)-(J67+J68+J69)","v":0},null,"(Must be equal to or greater than the additional annual business income being used to qualify)"]
[]
[null,null,"Final Income Reconciliation"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Additional Notes"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Last Revised 1/31/18"]

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