Cleared Home Lending

AI Income Analyzer — Internal Use Only

Cleared Home Lending

AI Income Analyzer — Internal Use Only

📖 How This Tool Works

Fill in borrower info and select loan program

Upload tax returns, W-2s, paystubs, K-1s, P&Ls

AI reads each document and extracts key income fields

Get qualifying income calculation + copy numbers to Excel

👤 Borrower Information

Borrower Name

Co-Borrower Name (if applicable)

Loan Program

Income Type

Loan Officer

Date

📁 Upload Borrower Documents

📄

Drop documents here or click to browse

Supports: PDF, PNG, JPG — W-2s, 1040s, Schedule C/E/K-1, 1120S, 1065, Paystubs, P&Ls

📋 Recommended documents to upload: 2 years personal 1040 (with all schedules) • W-2s (2 years) • Most recent 30-day paystub • Business returns (1120S / 1065) if applicable • K-1s if applicable • YTD P&L if self-employed • Award letters for SS / pension / disability

📊 AI Income Analysis Results

Summary

Detail by Income Type

Flags & Audit Trail

UW Narrative

Copy to Excel

💡 How It's Calculated

TOTAL QUALIFYING MONTHLY INCOME

Income Source	Yr 1 Annual	Yr 2 Annual	Method	Qualifying Monthly

📋 How to transfer these numbers to the Excel Income Calculator

Open ClearedHL_IncomeCalculator.xlsx
Go to the appropriate tab for each income type (📋 WAGE, 📄 SCHED C, 🏢 SCORP, etc.)
Enter the exact figures shown below into the blue input cells
The Excel file will calculate qualifying income automatically
Always verify AI-extracted numbers against the source documents before submitting

⚠️ DISCLAIMER: This AI tool provides a guideline-aligned estimate only. It is NOT a credit decision, approval, or commitment to lend. All extracted figures must be verified against source documents. AUS findings, program overlays, residual income tests (VA), and underwriter discretion govern all final determinations. Cleared Home Lending loan officers are responsible for compliance with applicable agency guidelines. © Cleared Home Lending — Internal Use Only.