Dr. Rob
DR. ROB
Mortgage PhD
Know your numbers before the lender does.
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HOME W2 TOOL BLACK HOMEBUYERS SELF-EMPLOYED
FREE TOOL

You can earn more than a W2 buyer and still qualify for less.

Deposits are not the issue. The tax return translation is the issue. This tool uses the same foundation as the Survival Guide: Schedule C Line 31 plus allowable add-backs, averaged over 24 months.

Line 31 • Net Profit 4562 • Depreciation Line 30 • Home Office 24 • Month Average

Self-Employed Qualification Calculator

Use your tax returns. Enter Line 31 for each year, then add back allowed items. If something is unknown, use 0 and confirm later.

Form 1040 Schedule C, Line 31 (Year 1).
Form 1040 Schedule C, Line 31 (Year 2).
Typically an add-back (non-cash). If unknown, enter 0.
Typically an add-back (non-cash). If unknown, enter 0.
Often added back. If unknown, enter 0.
Often added back. If unknown, enter 0.
Use for depletion/amortization if applicable. Otherwise 0.
Use for depletion/amortization if applicable. Otherwise 0.
Used to flag pricing sensitivity and program flexibility.
Planning only. Final depends on full liabilities and lender overlay.
Enter the purchase price of the home you want.
Percent of purchase price.
Texas average often ranges 2–3%.
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Estimated Qualifying Monthly Income
$0
Formula: (Adj Y1 + Adj Y2) ÷ 24
Income Trend Flag
Not Calculated
Declining trend can reduce usable income.
Estimated Max Monthly Debt (DTI target)
$0
Income × DTI target
Rough Max Loan Proxy
$0
Proxy only. Final depends on rate, taxes, insurance, HOA.
Planning tool only. Underwriting rules, lender overlays, and your exact tax forms control final approval.

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Dr. Rob the Mortgage PhD | NMLS #844916 | Matador Lending LLC | 832-701-8144