Financing the American Dream begins here, with a number of tools to help you and your borrowers find the right loan at the right price, no pen or paper needed. All calculations are based on Radian's current rates and guidelines.
Radian's Cash Flow AnalysisRadian's Self-Employed Cash Flow Analysis Calculator is designed to assist you in underwriting loan applications from self-employed borrowers for coverage with Radian mortgage insurance.
Click here to download and begin using Radian's Self-Employed Cash Flow Analysis Calculator.
This self-employed income analysis and the included descriptions generally apply to individuals:
Who have 25% or greater interest in a business
Who are employed by family members
Who are paid commissions
Who own rental property
Who receive variable income, have earnings reported on IRS 1099, or cannot otherwise be verified by an independent and knowable source
To estimate and analyze a borrower's cash flow situation, enter the required data into the cash flow analysis calculator according to the calculations that appear on the borrower's tax returns. Line by line explanations are displayed by hovering the cursor over the help () buttons at the beginning of each line. Line item losses are entered with parenthesis ( ).
Any data from the respective forms and schedules listed in the cash-flow analysis should be independently reviewed to determine whether the source was appropriate, can be considered ongoing, consistent, and meets investor requirements and guidelines.