Mortgage Qualifier — Self-Employed Income Analysis 2025

👤 Borrower Info

Full Name Credit Score Business Type Years Self-Employed (Owner) Years Business Has Been Open

📊 Income — 2-Year History

Net Profit Year 1 ($) — older Net Profit Year 2 ($) — most recent Depreciation Y1 ($) Depreciation Y2 ($) Mileage / Business Use Y1 ($) Mileage / Business Use Y2 ($) Meals (50% add-back) Y1 ($) Meals (50% add-back) Y2 ($)

🏡 Property & Loan

Purchase Price ($) Down Payment (%)

Loan Program Loan Term Interest Rate (%)

Property Tax / yr ($) Homeowner's Insurance / yr ($) HOA / month ($)

💳 Monthly Debts (for DTI)

Car Payment ($) Student Loans ($) Credit Cards (min) ($) Other Debts ($)

📋 Summary

💰 Income Analysis

🏠 Loan Programs

🏢 Entity Compare

📄 Pre-Qualification Summary — John Smith

Qualifying Income / Month

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2-year average

Max Purchase Price

—

Based on DTI limits

Monthly PITI Payment

—

Front-End DTI

—

Housing ratio

Back-End DTI

—

Total debt ratio

Recommended Program

—

Best fit

Front-End DTI (Housing Ratio)

0%Limit: 28%50%

Back-End DTI (Total Debt)

0%Limit: 43%60%

Income Calculation — Lender Method (Fannie Mae B3-3.1)

INCOME / ADD-BACK ITEM	YEAR 1	YEAR 2	AVG / MONTH	NOTES

Loan Program Comparison — All Programs

PROGRAM REQUIREMENTS MATRIX

Requirement	Conventional	FHA	VA	USDA

Entity Structure — Mortgage Qualification Impact

DEPRECIATION IMPACT ON QUALIFYING INCOME

🏠 Mortgage Qualifier — Self-Employed Income Analysis