Your business revenue and your mortgage income are not the same number.
Start with the income the lender can actually use. Then compare that result against the property you want and determine whether a conventional or alternative-documentation conversation makes sense.
$0/month
Trend analysis will appear here.
What to discuss next
Important planning note
Actual income calculation depends on the complete tax return, ownership percentage, business structure, income trend, lender overlays and current program rules. The tool organizes the conversation but does not replace Form 1084 or an underwriter review.
Choose the path based on the income evidence, not the label on your business card.
A sole proprietor, S-Corp owner, partnership owner and 1099 contractor can all require different documentation.
Schedule C / sole proprietor
Net profit plus allowable add-backs drives the planning income rather than gross receipts.
S-Corp / partnership
W2 wages, K-1 income, ownership and business cash flow can all matter to the review.
Alternative documentation
Bank statements, P&L-only programs, DSCR and other Non-QM options may create a different path when standard income calculation is the obstacle.