Skip to main content

For CPAs and tax preparers

The income qualified. The letter didn't.

Most expense-factor letters get kicked back for three mechanical reasons: a missing license number, a vague ratio, or no engagement history. Each rejection drops your client back to the default 50% expense factor and lands the rework on your desk. Three templates fix all three.

Built from actual non-QM underwriting requirements. Instant delivery, just your email.

By Alexander Goode, Mortgage Loan Originator · NMLS #2840464

Three documents your client's file actually needs

  1. Expense Factor Reduction Letter

    The exact anatomy of a letter that survives underwriting: firm letterhead, license number in the signature block, a single specific expense ratio, and the engagement-history statement that gives it weight. Includes the one-page pre-submission checklist, so your client hands you a complete request instead of a vague one.

  2. CPA-Certified YTD P&L Statement

    The profit-and-loss structure non-QM underwriters read instead of tax returns, with the add-backs broken out where they belong: depreciation and amortization on their own line, never buried in Other. Includes the deposit-consistency sentence that prevents stipulation letters, and the five questions underwriters ask about any P&L.

  3. Balance Sheet Prep Guide

    The balance sheet structure underwriters verify first: cash against the bank statements in the file, the equation that has to balance, every business debt listed, and dates matching the P&L. QuickBooks, Xero, and spreadsheet paths included for clients whose books are a work in progress.

Accountant completing a client tax return at a desk stacked with client folders

Unsubscribe anytime. All three templates arrive instantly.

Have a client scenario you want a second look on?

Run their loan scenario together

Your certification, your judgment

Every figure in these templates must come from your own professional analysis of your client's actual records. These are formatting guides, not income conclusions. Your license stands behind every letter you sign.

Have a self-employed client who needs a lender that reads bank statements?

Send them through the 60-second check-in. We handle the file from there and keep you in the loop, so you look like the advisor who already had the answer.

Refer a client

Morty, Inc., NMLS #1429243. Loan originator: Alexander Goode, NMLS #2840464. Equal Housing Opportunity.