investorloanhack
Lender Mechanics

How Bank-Statement Income Is Computed

From deposits to qualifying income — the expense ratios and exclusions underwriters apply to bank statements.

· 1 min read

Outline — pending named byline + LO review.

What underwriters actually compute

[Plain-language description of the calculation or decision the underwriter makes.]

The formula

[ formula placeholder — verify exact inputs and rounding ]

Worked example

[Step-through with representative numbers — verify before publishing.]

Inputs that move the number

  • [Input 1 and its effect]
  • [Input 2 and its effect]

Where files get stuck