LoanCalculator

Schedule C Add-Back Mortgage Calculator

Quick Summary

Maximize your conventional loan approval as a sole proprietor. Find out how adding back depletion, depreciation, and business use of home expenses on your Schedule C can increase your usable income.

Calculator

Your Inputs

$
$
$

Your Estimates

Monthly Qualifying Income

$4,488

Max Estimated Loan Amount

$319,546

Assumes a 45% DTI ratio

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Frequently Asked Questions

Can I use business mileage as an add-back?

Yes, lenders use a specific depreciation rate per mile driven (e.g., 28 cents per mile) which can be added back to your net profit.

Is the home office deduction added back?

Yes, expenses claimed for the business use of your home can be added back to your bottom-line income for conventional mortgage qualifying.