Decrypting Personal Tax Returns Part 2: Form 1040, Schedules D, E & F

Human Resources Lending

On-Demand Webinar:

StreamedMar 16, 2026Duration90 minutes

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Take-away toolkit
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Crack the code hidden inside personal tax returns and uncover true repayment ability!

Instead of stopping at “taxable income,” learn how to translate the numbers reported in Form 1040, Schedule D, Schedule E (Pages 1 and 2), and Schedule F into usable monthly and annual cash flow and support faster, more confident loan decisions.

KEY WEBINAR TAKEAWAYS

Schedule D (capital gains, installment sales, etc.): Are these recurring forms of income? Or one-shot deals that you shouldn’t include?
Schedule E, Page 1 (rental and royalty income): More than just adding back depreciation, find the real cash flow from rental and royalty properties
Schedule E, Page 2 (partnerships and S corporations): Most information ”passed through” from partnerships and S corps is useless because it doesn’t represent cash flow. Distinguish phantom income from real cash flow
Schedule F (farm income): Identifying hidden income and expenses in farm tax returns

BONUS MATERIALS

Every participant will receive a free copy of the popular Lenders Tax Analyzer© software for personal income tax returns

WEBINAR DETAILS

What does a lender need from a personal tax return? Cash flow. Cash flow pays back the loan. However, tax returns do not show cash flow directly. They show taxable incomes. Therefore, a lender needs the “secret code” to decrypt a tax return and obtain a reliable monthly or annual cash flow.

In Part 2 of this two-part series, we will cover Schedule D (Capital Gains and Losses), Schedule E, Page 1 (Income or Loss From Rental Real Estate and Royalties), Schedule E, Page 2 (Income or Loss From Partnerships and S Corporations), and Schedule F (Profit or Loss From Farming). When you finish this session, you will be able to use the free Lenders Tax Analyzer© software to convert taxable incomes into cash flows that plug directly into your credit scoring models, debt-to-income ratios, and disposable income calculations.

WHO SHOULD ATTEND?

Chief Lending Officers
MSRs
FSRs
Sales staff
New accounts personnel
Loan Officers
Loan underwriters
Credit Analysts
Loan processors
Branch managers
CEOs
Other key lending staff

TAKE-AWAY TOOLKIT

Employee training log
Interactive quiz
PDF of slides and speaker’s contact info for follow-up questions
Attendance certificate provided to self-report CE credits

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