Methodology: This calculator follows the Fannie Mae Form 1084 (Cash Flow Analysis) methodology, current as of 2025. Self-employed Schedule C add-backs cover net profit + depreciation + depletion + business use of home + non-recurring amortization or casualty losses (Line 48 detail) + mileage depreciation. No meals adjustment is applied — Line 24b is treated as a real cash business expense already reflected in net profit. Results are intended as a pre-qualification tool; final qualifying income is determined by the underwriter and may vary based on investor overlays, AUS findings, and supporting documentation. Ask Lola in the Scenario Desk for guideline questions — she cites the live Fannie Selling Guide and Freddie Seller/Servicer Guide.