LoanCalculator

S-Corp K-1 Income Mortgage Calculator

Quick Summary

Calculate your qualifying income if your business is structured as an S-Corporation. This tool blends your W-2 salary distributions with your K-1 pass-through business income to find your true borrowing capacity.

Calculator

Your Inputs

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$
%
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Your Estimates

Monthly Qualifying Income

$8,750

Max Estimated Loan Amount

$622,955

Assumes a 45% DTI ratio

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Frequently Asked Questions

Can I use K-1 income if I own less than 25% of the S-Corp?

If you own less than 25%, you are typically not considered self-employed, and lenders may just use your W-2 salary and any actual cash distributions received.

Do I need to prove the business has cash to support my K-1 income?

Yes, lenders perform a liquidity test. The business must have sufficient cash on hand to prove that it can actually distribute the K-1 earnings to you without harming operations.