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{"sheet":"Bank Stmt","index":0,"n_rows":104,"n_cols":22,"rows_kept":104,"cut":false,"hidden":false,"merged":[[103,1,103,19],[101,1,101,2],[101,3,101,5],[101,10,101,11],[101,12,101,13],[101,15,101,16],[102,1,102,2],[102,3,102,5],[102,10,102,11],[102,12,102,13],[102,15,102,16],[99,1,99,2],[99,3,99,5],[99,10,99,11],[99,12,99,13],[99,15,99,16],[100,1,100,2],[100,3,100,5],[100,10,100,11],[100,12,100,13],[100,15,100,16],[97,1,97,2],[97,3,97,5],[97,10,97,11],[97,12,97,13],[97,15,97,16],[98,1,98,2],[98,3,98,5],[98,10,98,11],[98,12,98,13],[98,15,98,16],[95,1,95,2],[95,3,95,5],[95,10,95,11],[95,12,95,13],[95,15,95,16],[96,1,96,2],[96,3,96,5],[96,10,96,11],[96,12,96,13],[96,15,96,16],[93,1,93,2],[93,3,93,5],[93,10,93,11],[93,12,93,13],[93,15,93,16],[94,1,94,2],[94,3,94,5],[94,10,94,11],[94,12,94,13],[94,15,94,16],[91,1,91,2],[91,3,91,5],[91,10,91,11],[91,12,91,13],[91,15,91,16],[92,1,92,2],[92,3,92,5],[92,10,92,11],[92,12,92,13],[92,15,92,16],[86,1,86,19],[88,1,88,21],[89,1,90,2],[89,3,90,5],[89,7,89,19],[89,20,90,20],[90,10,90,11],[90,12,90,13],[90,15,90,16],[89,6,90,6],[89,21,90,21],[84,1,84,2],[84,3,84,5],[84,10,84,11],[84,12,84,13],[84,15,84,16],[85,1,85,2],[85,3,85,5],[85,10,85,11],[85,12,85,13],[85,15,85,16],[82,1,82,2],[82,3,82,5],[82,10,82,11],[82,12,82,13],[82,15,82,16],[83,1,83,2],[83,3,83,5],[83,10,83,11],[83,12,83,13],[83,15,83,16],[80,1,80,2],[80,3,80,5],[80,10,80,11],[80,12,80,13],[80,15,80,16],[81,1,81,2],[81,3,81,5],[81,10,81,11],[81,12,81,13],[81,15,81,16],[78,1,78,2],[78,3,78,5],[78,10,78,11],[78,12,78,13],[78,15,78,16],[79,1,79,2],[79,3,79,5],[79,10,79,11],[79,12,79,13],[79,15,79,16],[76,1,76,2],[76,3,76,5],[76,10,76,11],[76,12,76,13],[76,15,76,16],[77,1,77,2],[77,3,77,5],[77,10,77,11],[77,12,77,13],[77,15,77,16],[74,1,74,2],[74,3,74,5],[74,10,74,11],[74,12,74,13],[74,15,74,16],[75,1,75,2],[75,3,75,5],[75,10,75,11],[75,12,75,13],[75,15,75,16],[69,1,69,19],[71,1,71,21],[72,1,73,2],[72,3,73,5],[72,7,72,19],[72,20,73,20],[73,10,73,11],[73,12,73,13],[73,15,73,16],[72,6,73,6],[72,21,73,21],[67,1,67,2],[67,3,67,5],[67,10,67,11],[67,12,67,13],[67,15,67,16],[68,1,68,2],[68,3,68,5],[68,10,68,11],[68,12,68,13],[68,15,68,16],[65,1,65,2],[65,3,65,5],[65,10,65,11],[65,12,65,13],[65,15,65,16],[66,1,66,2],[66,3,66,5],[66,10,66,11],[66,12,66,13],[66,15,66,16],[63,1,63,2],[63,3,63,5],[63,10,63,11],[63,12,63,13],[63,15,63,16],[64,1,64,2],[64,3,64,5],[64,10,64,11],[64,12,64,13],[64,15,64,16],[61,1,61,2],[61,3,61,5],[61,10,61,11],[61,12,61,13],[61,15,61,16],[62,1,62,2],[62,3,62,5],[62,10,62,11],[62,12,62,13],[62,15,62,16],[59,1,59,2],[59,3,59,5],[59,10,59,11],[59,12,59,13],[59,15,59,16],[60,1,60,2],[60,3,60,5],[60,10,60,11],[60,12,60,13],[60,15,60,16],[57,1,57,2],[57,3,57,5],[57,10,57,11],[57,12,57,13],[57,15,57,16],[58,1,58,2],[58,3,58,5],[58,10,58,11],[58,12,58,13],[58,15,58,16],[52,1,52,19],[54,1,54,21],[55,1,56,2],[55,3,56,5],[55,7,55,19],[55,20,56,20],[56,10,56,11],[56,12,56,13],[56,15,56,16],[55,6,56,6],[55,21,56,21],[50,1,50,2],[50,3,50,5],[50,10,50,11],[50,12,50,13],[50,15,50,16],[51,1,51,2],[51,3,51,5],[51,10,51,11],[51,12,51,13],[51,15,51,16],[48,1,48,2],[48,3,48,5],[48,10,48,11],[48,12,48,13],[48,15,48,16],[49,1,49,2],[49,3,49,5],[49,10,49,11],[49,12,49,13],[49,15,49,16],[46,1,46,2],[46,3,46,5],[46,10,46,11],[46,12,46,13],[46,15,46,16],[47,1,47,2],[47,3,47,5],[47,10,47,11],[47,12,47,13],[47,15,47,16],[44,1,44,2],[44,3,44,5],[44,10,44,11],[44,12,44,13],[44,15,44,16],[45,1,45,2],[45,3,45,5],[45,10,45,11],[45,12,45,13],[45,15,45,16],[42,1,42,2],[42,3,42,5],[42,10,42,11],[42,12,42,13],[42,15,42,16],[43,1,43,2],[43,3,43,5],[43,10,43,11],[43,12,43,13],[43,15,43,16],[40,1,40,2],[40,3,40,5],[40,10,40,11],[40,12,40,13],[40,15,40,16],[41,1,41,2],[41,3,41,5],[41,10,41,11],[41,12,41,13],[41,15,41,16],[37,1,37,21],[38,1,39,2],[38,3,39,5],[38,7,38,19],[38,20,39,20],[39,10,39,11],[39,12,39,13],[39,15,39,16],[30,1,30,9],[31,8,31,9],[32,8,32,9],[33,8,33,9],[34,8,34,9],[35,8,35,9],[31,17,31,18],[33,17,33,18],[38,6,39,6],[38,21,39,21],[27,8,27,9],[27,11,27,12],[27,13,27,15],[27,18,27,19],[28,8,28,9],[28,11,28,12],[28,13,28,15],[28,18,28,19],[25,8,25,9],[25,11,25,12],[25,13,25,15],[25,18,25,19],[26,8,26,9],[26,11,26,12],[26,13,26,15],[26,18,26,19],[23,8,23,9],[23,11,23,12],[23,13,23,15],[23,18,23,19],[24,8,24,9],[24,11,24,12],[24,13,24,15],[24,18,24,19],[21,8,21,9],[21,11,21,12],[21,13,21,15],[21,18,21,19],[22,1,22,9],[22,11,22,12],[22,13,22,15],[22,18,22,19],[19,11,19,12],[19,13,19,15],[19,18,19,19],[20,8,20,9],[20,11,20,12],[20,13,20,15],[20,18,20,19],[17,8,17,9],[17,11,17,12],[17,13,17,15],[17,18,17,19],[18,8,18,9],[18,11,18,12],[18,13,18,15],[18,18,18,19],[16,8,16,9],[16,11,16,12],[16,13,16,15],[16,18,16,19],[8,8,8,9],[8,17,8,18],[9,8,9,9],[9,17,9,18],[11,1,11,9],[12,8,12,9],[2,1,3,21],[5,1,5,21],[6,8,6,9],[6,17,6,18],[7,8,7,9],[7,17,7,18],[13,8,13,9],[14,8,14,9],[14,11,15,15],[14,17,15,19]]}
[]
[]
[null,"EXPRESS PROGRAM BANK STATEMENT CALCULATOR"]
[]
[]
[null,"GENERAL INFORMATION"]
[null,"Business Name:",null,null,null,null,null,null,null,null,null,"Initial URLA Income:"]
[null,"Borrower Name:",null,null,null,null,null,null,null,null,null,"Type of Bank Statement Review:"]
[null,"Loan Number:",null,null,null,null,null,null,null,null,null,"Does Borrower have separate Business Account?"]
[null,"Completed By:",null,null,null,null,null,null,null,null,null,"Date Completed:",null,null,null,null,null,{"$f":"TODAY()","v":"2024-04-10"}]
[]
[null,"ANALYSIS "]
[null,"Number of Bank Statements (12 or 24)"]
[null,"Borrower's Ownership % of the Business"]
[null,"Analysis Type",null,null,null,null,null,null,null,null,null,"Total Qualifying Deposits - \nMost Recent 12 Months",null,null,null,null,null,"Total Qualifying Deposits - \nPrior 12 Months"]
[]
[null,"Net Monthly Revenue on P&L (most recent 12 months)",null,null,null,null,null,null,null,null,null,"Month",null,"Total Eligible Deposits",null,null,null,"Month","Total Eligible Deposits"]
[null,"Net Monthly Revenue on P&L (prior 12 months)",null,null,null,null,null,null,null,null,null,"Month 1",null,{"$f":"SUM(U41,U75)","v":0},null,null,null,"Month 13",{"$f":"SUM(U58,U92)","v":0}]
[null,"Option 2 Net Revenue on P&L Qualifying Income",null,null,null,null,null,null,{"$f":"IF(I13=12,I17,SUM(I17:J18)/2)","v":0},null,null,"Month 2",null,0,null,null,null,"Month 14",0]
[null,null,null,null,null,null,null,null,null,null,null,"Month 3",null,0,null,null,null,"Month 15",0]
[null,"Verified Expense Factor Recent Year",null,null,null,null,null,null,null,null,null,"Month 4",null,0,null,null,null,"Month 16",0]
[null,"Applied Expense Factor ",null,null,null,null,null,null,{"$f":"IFERROR(_xlfn.IFS(AND(R8=\"personal\",R9=\"no\"),\"10%\",I15=\"fixed\",\"50%\",R8=\"personal\",\"0%\",OR(R8=\"business\",I15=\"3rd Party P&L\",I15=\"3rd Party Expense\"),I21),\"\")","v":""},null,null,"Month 5",null,0,null,null,null,"Month 17",0]
[null,"EXPENSES",null,null,null,null,null,null,null,null,null,"Month 6",null,0,null,null,null,"Month 18",0]
[null,"Subject Property Qualifying Mortgage Payment (P&I)",null,null,null,null,null,null,null,null,null,"Month 7",null,0,null,null,null,"Month 19",0]
[null,"Monthly Taxes",null,null,null,null,null,null,null,null,null,"Month 8",null,0,null,null,null,"Month 20",0]
[null,"Monthly Insurance",null,null,null,null,null,null,null,null,null,"Month 9",null,0,null,null,null,"Month 21",0]
[null,"Monthly HOA Dues",null,null,null,null,null,null,null,null,null,"Month 10",null,0,null,null,null,"Month 22",0]
[null,"All Other Liabilities (Monthly)",null,null,null,null,null,null,null,null,null,"Month 11",null,0,null,null,null,"Month 23",0]
[null,"Total Proposed Monthly Obligation",null,null,null,null,null,null,{"$f":"SUM(I24:J28)","v":0},null,null,"Month 12",null,0,null,null,null,"Month 24",0]
[]
[null,"CALCULATIONS",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(N18:P29)/12","v":0},null,null,null,null,{"$f":"SUM(S18:T29)/12","v":0}]
[null,"Bank Statement / P&L Monthly Income",null,null,null,null,null,null,{"$f":"I19","v":0},null,null,"Are withdrawls consistently greater than the deposits?"]
[null,"Bank Statement to P&L Variance",null,null,null,null,null,null,{"$f":"IFERROR(IF(OR(I15=\"fixed\",I15=\"3rd party expense\",(AND(R8=\"personal\",R9=\"yes\"))),\"\",(1-(I32/I34))),\"\")","v":""},null,null,{"$f":"IFERROR(IF(AND(I33<15%,I33>-15%),\"\",\"Variance Exceeds Threshold\"),\"\")","v":"Variance Exceeds Threshold"},null,null,null,null,null,null,{"$f":"IF(R32=\"Yes\",\"Treat as declining income.  Mgmt review required.\",\"\")","v":""}]
[null,"Total Calculated Income",null,null,null,null,null,null,{"$f":"IFERROR((IF(I13=12,O31,(SUM(O31,T31)/2))*(1-I22)*I14),\"\")","v":""},null,null,"How many NSF charges occurred within the past 12 mos?"]
[null,"Calculated Income to URLA Variance",null,null,null,null,null,null,{"$f":"IFERROR(1-(I34/R7),\"\")","v":""},null,null,{"$f":"IFERROR(IF(AND(I35<15%,I35>-15%),\"\",\"LOE Required for Variance\"),\"\")","v":"LOE Required for Variance"},null,null,null,null,null,null,{"$f":"IF(R34<3,\"\",\"Loan is ineligible\")","v":""}]
[null,"DTI",null,null,null,null,null,null,{"$f":"IFERROR((I29/I34),\"\")","v":""}]
[]
[null,"Bank Account #1: Months 1-12"]
[null,"Month",null,"Total Deposits",null,null,"Total Withdrawals","Less: Transfers, Non Business Deposits (Rent, SSI, Joint Account Wage Income, Refunds, Etc), Proceeds from the sale or liquidation of significant assets",null,null,null,null,null,null,null,null,null,null,null,null,"Qualifying Deposits","Difference Withdrawals vs Deposits"]
[null,null,null,null,null,null,null,"Deposit 1","Deposit 2","Deposit 3","Deposit 4",null,"Deposit 5",null,"Deposit 6","Deposit 7",null,"Deposit 8","Deposit 9 ","Deposit 10"]
[null,"Month 1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"D41-(SUM(H41:T41))","v":0},{"$f":"D41-G41","v":0}]
[null,"Month 2",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"D42-G42","v":0}]
[null,"Month 3",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 4",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 5",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 6",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 7",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 8",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 9",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 10",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 11",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 12",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"12 Month Consecutive Average",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(U41:U52)/12","v":0},{"$f":"SUM(V41:V52)","v":0}]
[]
[null,"Bank Account #1: Months 13-24"]
[null,"Month",null,"Total Deposits",null,null,"Total Withdrawals","Less: Transfers, Non Business Deposits (Rent, SSI, Joint Account Wage Income, Refunds, Etc), Proceeds from the sale or liquidation of significant assets",null,null,null,null,null,null,null,null,null,null,null,null,"Qualifying Deposits","Difference Withdrawals vs Deposits"]
[null,null,null,null,null,null,null,"Deposit 1","Deposit 2","Deposit 3","Deposit 4",null,"Deposit 5",null,"Deposit 6","Deposit 7",null,"Deposit 8","Deposit 9 ","Deposit 10"]
[null,"Month 13",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"D58-(SUM(H58:T58))","v":0},{"$f":"D58-G58","v":0}]
[null,"Month 14",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"D59-G59","v":0}]
[null,"Month 15",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 16",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 17",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 18",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 19",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 20",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 21",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 22",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 23",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 24",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"12 Month Consecutive Average",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(U58:U69)/12","v":0},{"$f":"SUM(V58:V69)","v":0}]
[]
[null,"Bank Account #2: Months 1-12"]
[null,"Month",null,"Total Deposits",null,null,"Total Withdrawals","Less: Transfers, Non Business Deposits (Rent, SSI, Joint Account Wage Income, Refunds, Etc), Proceeds from the sale or liquidation of significant assets",null,null,null,null,null,null,null,null,null,null,null,null,"Qualifying Deposits","Difference Withdrawals vs Deposits"]
[null,null,null,null,null,null,null,"Deposit 1","Deposit 2","Deposit 3","Deposit 4",null,"Deposit 5",null,"Deposit 6","Deposit 7",null,"Deposit 8","Deposit 9 ","Deposit 10"]
[null,"Month 1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"D75-(SUM(H75:T75))","v":0},{"$f":"D75-G75","v":0}]
[null,"Month 2",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"D76-G76","v":0}]
[null,"Month 3",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 4",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 5",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 6",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 7",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 8",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 9",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 10",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 11",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 12",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"12 Month Consecutive Average",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(U75:U86)/12","v":0},{"$f":"SUM(V75:V86)","v":0}]
[]
[null,"Bank Account #2: Months 13-24"]
[null,"Month",null,"Total Deposits",null,null,"Total Withdrawals","Less: Transfers, Non Business Deposits (Rent, SSI, Joint Account Wage Income, Refunds, Etc), Proceeds from the sale or liquidation of significant assets",null,null,null,null,null,null,null,null,null,null,null,null,"Qualifying Deposits","Difference Withdrawals vs Deposits"]
[null,null,null,null,null,null,null,"Deposit 1","Deposit 2","Deposit 3","Deposit 4",null,"Deposit 5",null,"Deposit 6","Deposit 7",null,"Deposit 8","Deposit 9 ","Deposit 10"]
[null,"Month 13",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"D92-(SUM(H92:T92))","v":0},{"$f":"D92-G92","v":0}]
[null,"Month 14",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"D93-G93","v":0}]
[null,"Month 15",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 16",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 17",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 18",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 19",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 20",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 21",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 22",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 23",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"Month 24",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,0]
[null,"12 Month Consecutive Average",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(U92:U103)/12","v":0},{"$f":"SUM(V92:V103)","v":0}]

{"sheet":"Payment Shock","index":1,"n_rows":24,"n_cols":9,"rows_kept":24,"cut":false,"hidden":true,"merged":[[17,7,17,8],[22,2,22,6],[22,8,22,9],[1,2,2,9],[4,2,4,9],[6,6,6,8],[8,7,8,8],[10,7,10,8],[12,7,12,8]]}
[]
[null,null,"EXPRESS PAYMENT SHOCK CALCULATOR"]
[]
[]
[null,null,"Description"]
[]
[null,null,null,"Borrower Name:"]
[]
[null,null,null,"Loan Number:"]
[]
[null,null,null,"Current Housing Payment:"]
[]
[null,null,null,"Proposed Housing Payment:"]
[null,null,null,"Use PITIA (or ITIA for IO loans)"]
[]
[]
[]
[null,null,null,null,null,"Payment Shock:",null,{"$f":"IFERROR((H13/H11),\"-\")","v":"-"}]
[]
[null,null,null,null,{"$f":"_xlfn.IFS(H18>300%,\"Requirement Not Met if DTI is >36%\",H18<=300%,\"Requirement Met\")","v":"Requirement Not Met if DTI is >36%"}]
[]
[]
[null,null,null,null,null,null,null,null,{"$f":"TODAY()","v":"2024-04-10"}]
[null,null,"Completed By",null,null,null,null,null,"Date"]