The idea of these forms is to exclude any wage-earning W2 income. The Fannie Mae form 1084 and the Freddie Mac form 91 are both income analysis forms that are tailored to self-employment income analysis. However, there are several forms and formulas we can utilize to assist us in this area. This can be a daunting task when analyzing multiple business structures over two years. We also know that, in addition to executing formulas, underwriters are called to perform an analysis of the stability and continuance of qualifying income. By now, many of us already know the basic formulas for calculating income.
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