As a CTEC-registered tax preparer, Ray understands add-backs — depreciation, depletion, one-time expenses, business use of home — that many loan officers miss. Those add-backs raise your qualifying income without touching what you actually owe the IRS.
Even better: we can plan next year's return before you file, so it supports the purchase you want — legally and strategically.
Applicability depends on your program and documentation. Tax preparation is a separate, CTEC-registered service.
Qualify on 12–24 months of business or personal deposits. No tax returns required. Ideal when your write-offs shrink your taxable income.
Use a profit-and-loss statement to document income for your business — often faster than full tax-return underwriting.
Qualify a rental on its own cash flow — your personal income isn't the deciding factor. Grow a portfolio without W-2s.
If conventional is your best price, we maximize qualifying income with proper add-backs and clean documentation.
We review your last two years the way an underwriter will.
We apply add-backs and choose the program that qualifies you for the most.
Get a letter you can shop with — and a plan for next year's return.
We handle the file end to end and keep you posted to closing day.