Self-employed income

What income will a lender actually use?

Prime lenders average your last two years of net income and may add back certain expenses. If the latest year fell sharply, they use the lower year. This estimate shows both, and what a stated-income program might accept instead.

Add-backs some lenders allow, per year
Structure
If incorporated, some lenders also consider retained earnings or gross-up dividends. We look at that with your accountant.
Income a prime lender is likely to use
$0/ year

Two-year average
Add-backs included
Rule applied
Stated-income view (deposits-based)
Email me these numbersTalk to Juan about my file

Estimate only. Add-back rules and stated-income programs differ by lender and by insurer. Constants verified 2026-09-16.