Mar 4

Determining Cash Flow from Personal Tax Returns Part 2: Schedules D, E & F

Registration Options & Pricing

Please select your membership status.

Live Webinar Includes

  • Unlimited Connections to the Live Webinar
  • Handout and Take-Away Toolkit
  • Available on Desktop, Mobile & Tablet
  • Presenter’s Contact Info for Follow-Up

Recorded Webinar Includes

  • Recording of the Live Webinar
  • Can be viewed anytime 24/7, beginning 2 business days after the webinar
  • Handout and Take-Away Toolkit
  • Available on Desktop, Mobile & Tablet
  • Free Digital Download, yours to keep
  • Share link with anyone at your credit union
  • Presenter’s contact info for follow-up

10:00 am – 11:30 am HST
12:00 pm – 1:30 pm PT
1:00 pm – 2:30 pm MT
2:00 pm – 3:30 pm CT
3:00 pm – 4:30 pm ET

Learn to discern the elusive cash flow from Schedules D, E and F of borrowers’ personal tax returns. The method taught in this program is easy and reliable. From asset sales, to rental properties, to partnerships and farms, you’ll be able to accurately assess the borrower’s cash flow.


  • Understand recurring versus non-recurring incomes or losses from sales of assets on Schedule D or Form 4797
  • Cash flow Schedule E, Page 1 to find the real income or loss from rental and royalty properties
  • Build a “fair” cash flow for a rental property to assist in making a safe loan
  • Convert Schedule E, Page 2: Partnerships and S Corporations from phantom incomes to real cash flow
  • Correct farmers’ income on Schedule F: Farm Income


Determining cash flow from personal income tax returns is as important and challenging as ever.  What does a lender need from a personal tax return?  The cash flow that can repay your loan.  With the information from this session, along with the free Lenders Tax Analyzer© software included with your registration, you will learn an easy, reliable method to convert a borrower’s personal tax return to an accurate cash flow statement.

Part 2 of this two-part program will cover some of the most difficult income to analyze.

  • Are the sales of assets reported on Schedule D or Form 4797 recurring?
  • Rental properties can be evaluated two ways, but one is often too conservative resulting in unnecessary denials.
  • Partnerships and S corps show pass-through incomes that matter to the IRS, but nothing when determining cash flow.
  • Farms often report income that was only partially taxable, or income from a different tax year.

Note: This session is designed for consumer and commercial lenders. This method does not follow Fannie, Freddie, or QM rules used in mortgage lending.

Attendance certificate provided to self-report CE credits.


This session is designed for anyone in the lending area including Chief Lending Officers, MSRs, FSRs, sales staff, new accounts personnel, loan officers, loan underwriters, credit analysts, loan processors, branch managers, CEOs, and other key lending staff.


  • Free copy of Lenders Tax Analyzer© software
  • Employee training log
  • Interactive quiz


"Determining Cash Flow from Personal Tax Returns Part 1:
Form 1040, Schedules B & C"

February 17, 2021
Available Now

"Calculating Cash Flow from S-Corporation & Partnership Tax Returns"
February 3, 2021
Available Now

"Calculating Cash Flow from Corporate Tax Returns"
January 28, 2021
Available Now


NOTE:  All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.


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