Form 1084 (2015) - Cash Flow Analysis Template
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8Cash Flow Analysis (Form 1084)
Borrower Name: ___________________
Business Name (optional): _________________________________
This worksheet may be used to prepare a written evaluation of the analysis of income related to self-employment. The
purpose of this written analysis is to determine the amount of stable and continuous income that will be available to the
borrower for loan qualifying purposes.
IRS Form 1040 – Individual Income Tax Return
Year_________
Year_________
1. W-2 Income from Self-Employment
(+)___________
(+)___________
2. Schedule B – Interest and Ordinary Dividends
a. Interest Income from Self-Employment
(+)___________
(+)___________
b. Dividends from Self-Employment
(+)___________
(+)___________
3. Schedule C – Profit or Loss from Business: Sole Proprietorship
a. Net Profit or (Loss)
(+/-)__________
(+/-)__________
b. Nonrecurring Other (Income) Loss/Expenses
(+/-)__________
(+/-)__________
c. Depletion
(+)___________
(+)___________
d. Depreciation
(+)___________
(+)___________
e. Non-deductible Meals and Entertainment Expenses
(-) ___________
(-) ___________
f.
Business Use of Home
(+)___________
(+)___________
g. Amortization/Casualty Loss
(+)___________
(+)___________
4. Schedule D – Capital Gains and Losses
a. Recurring Capital Gains
(+)___________
(+)___________
5. Schedule E – Supplemental Income and Loss
Note: A lender may use Fannie Mae Rental Income Worksheets
(Form 1037
or
Form
1038) to calculate individual rental
income (loss) reported on Schedule E.
a. Royalties Received
(+)___________
(+)___________
b. Total Expenses
(-)___________
(-)___________
c. Depletion
(+)___________
(+)___________
6. Schedule F – Profit or Loss from Farming
a. Net Farm Profit or (Loss)
(+/-)_________
(+/-)__________
b. Non-Tax Portion Ongoing Coop and CCC Payments
(+ )__________
(+) ___________
c. Nonrecurring Other (Income) Loss
(+/-)_________
(+/-)__________
d. Depreciation
(+) __________
(+) ___________
e. Amortization/Casualty Loss/Depletion
(+) __________
(+) ___________
f.
Business Use of Home
(+) __________
(+) ___________
Note: IRS Form 4794 (Sales of Business Property) is not included on this worksheet due to its infrequent use. If
applicable, a lender may include analysis of the sale and related recurring capital gains.
Fannie Mae Form 1084
Page 1
08.25.2015
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