Income analysis
in minutes, not an hour.
Drop a borrower's tax returns, W-2s, paystubs and bank statements. Ai Underwriter reads every page and hands back qualifying income the way an underwriter calculates it — a Form 1084-style worksheet, red flags, reserves, conditions and program fit — with every figure cited to the document it came from.
For mortgage brokers, loan officers, processors and Non-QM shops. English · Español · Português.
| Sch C | Line 31 net profit | $71,200 | $88,900 |
| Sch C | Line 13 depreciation (add back) | $6,100 | $6,100 |
| Sch C | Line 30 business use of home (add back) | $3,400 | $3,400 |
| W-2 | Box 1 wages | $13,800 | $14,160 |
- 2024 Schedule C revenue +25% YoY — confirm with YTD P&L before using the higher year
- $9,000 deposit 03/14 (mobile check) exceeds 50% of monthly income — source needed
- Only 2 business statements provided; bank-statement program would need 12
- ✓ 2 yrs personal 1040 + schedules
- ✓ 30 days paystubs
- ✓ 2 months bank statements
- ○ YTD profit & loss — needed
- ○ Business license / CPA letter — needed
The problem
Every self-employed file costs an hour
— and still comes back with conditions.
Twenty loans a month is twenty hours of reading returns and re-keying line items.
Missed add-backs, the wrong year, a K-1 without distribution support — and the file comes back from the underwriter.
Lender portals store the documents. None of them read a 49-page return and calculate the income.
What you get
Everything an underwriter needs, cited to the page.
Qualifying income, with the math
Base, overtime, bonus, commission, Schedule C with add-backs, K-1 / 1120S / 1065, Schedule E rental, Social Security and pension, bank-statement deposits. 24-month averages, declining-income rule, YTD paystub cross-check — and every figure cites the document it came from.
Form 1084-style worksheet
A line-by-line cash-flow analysis (line 31, depreciation, business use of home, depletion, rental add-backs) with both years side by side, laid out so an underwriter can check it against the returns in seconds.
Assets, reserves, large deposits
Every account with balance and last four, total liquid assets (retirement discounted), estimated months of reserves, and a list of deposits that will need sourcing.
Red flags before the underwriter finds them
Box 1 below Medicare wages, revenue jumps, rental losses, income gaps, only one year of returns, instruction-like text inside a document — flagged up front so the file goes in clean.
Conditions and a doc checklist
What's provided, what's still needed, and the underwriting conditions to expect. One click copies a borrower-ready request letter.
Program fit and DTI
Conventional, FHA, VA, USDA, Non-QM bank statement, DSCR — computed under the rules of the program you pick. Enter a proposed PITIA and get front/back DTI and max loan amount.
How it works
Four steps. No sorting, no re-keying.
Drop everything
Tax returns, W-2s, 1099s, K-1s, paystubs, bank statements, award letters — PDFs or phone photos. Don't sort them; the AI reads every page and decides what matters.
Pick the program
Conventional, FHA, VA, USDA, bank-statement or DSCR — or let it recommend. Output in English, Spanish, or Portuguese.
Get the analysis
Two to four minutes later: qualifying income, worksheet, assets, red flags, checklist, program fit. Ask follow-up questions in plain English.
Send it forward
Print the worksheet, copy the borrower doc request, save the applicant for 90 days. The raw documents were deleted the moment the analysis finished.
Built for
Anyone who has to turn a stack of documents into a number.
Know what a file is worth before you send it to the wholesale lender. No more surprises at conditions.
Turn a 60-minute self-employed income calc into a 4-minute review. Take more applications.
Start from a worksheet that already cites its sources. Verify instead of re-keying.
12 or 24 months of deposits totaled, transfers excluded, expense factor applied, every exclusion listed.
Security & compliance
Built for regulated financial documents.
- ·Documents are read once and deleted the moment extraction finishes; a sweeper removes anything left behind. Only the derived summary can be saved, per account, and it auto-deletes after 90 days.
- ·SSNs, full account numbers and dates of birth are never output. Access is licensed per account and enforced server-side on every request.
- ·Every document is treated as untrusted input — text inside a PDF can't steer the analysis, and anything instruction-like is reported as a red flag.
- ·Runs on Claude Opus 5 with extended reasoning. Preliminary analysis to assist a licensed professional — not a credit decision, and it never scores or ranks applicants.
See Security for subprocessors, retention and encryption details.
Pricing
One flat price. 30 applicant files a month, everything included.
Less than one hour of a processor's time, for the whole month. No per-file fee, no seats. Annual is two months free.
Ai Underwriter
Borrower income analysis in minutes, the way an underwriter does it.
or $1,490/yr — 2 months free
30 applicant files / mo
- Qualifying income with the arithmetic shown — 24-month averages, add-backs, YTD checks
- W-2, self-employed, K-1, rental, retirement and bank-statement income
- Assets & reserves, large deposits to source, document checklist
- Red flags, underwriting conditions, program fit (FHA, VA, USDA, Conv, Jumbo, Non-QM, DSCR)
- Documents deleted after analysis — only the summary is kept, 90 days
Secure checkout by Stripe · cancel anytime · unlimited team members
Running more than 30 files a month, or need LOS integration? Talk to us.
FAQ
How accurate is it?
It reads every figure directly from the documents and shows its arithmetic; when something is illegible or missing it says so and lowers the confidence rating instead of guessing. It is a preliminary analysis to assist a licensed loan officer — never a credit decision.
What happens to the borrower's documents?
They are read once and deleted the moment the analysis finishes. Only the derived summary can be saved — per account, encrypted, and auto-deleted after 90 days. SSNs, full account numbers and dates of birth are never output.
Which documents does it understand?
Personal and business tax returns with all schedules, W-2s, 1099s, K-1s, paystubs, bank and brokerage statements, retirement statements, Social Security and pension award letters, and photos of any of them.
Does it work for self-employed borrowers?
That's the point. Schedule C, K-1, 1120S and 1065 income with add-backs and a 24-month average, declining-income handling, and a bank-statement mode for Non-QM.
Is there a per-file fee?
No. One flat license per account includes 30 applicant files a month and unlimited team members. Need more volume? We'll set up a custom plan.
Bring us your hardest self-employed file.
Unlock Ai Underwriter, drop the whole package, and compare the worksheet to yours.