The Cash Flow Analysis Form (Form 1084) is a Fannie Mae worksheet. Lenders use it to calculate qualifying income for self-employed borrowers. It converts figures from Form 1040 into a monthly income number for mortgage underwriting.
The form covers these income categories from Form 1040 and its schedules:
Non-cash deductions such as depreciation and depletion are added back to income. One-time gains and unstable income sources are removed. The form averages two years of data to confirm income stability before the lender makes a credit decision.
| Question | Answer |
|---|---|
| Form Name | Cash Flow Analysis Form |
| Form Length | 10 pages |
| Fillable? | No |
| Fillable fields | 0 |
| Avg. time to fill out | 2 min 30 sec |
| Other names | cash flow analysis form 1084 fillable, flow analysis 1084, cash flow 1084, cash flow analysis 1084 |