{"id":3983,"date":"2023-03-14T19:53:56","date_gmt":"2023-03-14T19:53:56","guid":{"rendered":"https:\/\/heideinternati.wpengine.com\/?page_id=3983"},"modified":"2023-03-14T20:02:38","modified_gmt":"2023-03-14T20:02:38","slug":"self-employed-income-hacks","status":"publish","type":"page","link":"https:\/\/heideinternational.com\/nn\/self-employed-income-hacks\/","title":{"rendered":"Self-Employed Income Hacks"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"3983\" class=\"elementor elementor-3983\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-68e8936 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"68e8936\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3947b0f\" data-id=\"3947b0f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f4bd414 elementor-widget elementor-widget-heading\" data-id=\"f4bd414\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Self-Employed Income Hacks<br>What You Need to Know<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-078e025 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"078e025\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7d45f34\" data-id=\"7d45f34\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-850fe3f elementor-widget elementor-widget-video\" data-id=\"850fe3f\" data-element_type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<iframe class=\"elementor-video-iframe\" allowfullscreen allow=\"clipboard-write\" title=\"vimeo \u0412\u0438\u0434\u0435\u043e\u043f\u043b\u0435\u0435\u0440\" src=\"https:\/\/player.vimeo.com\/video\/808070370?color&amp;autopause=0&amp;loop=0&amp;muted=0&amp;title=1&amp;portrait=1&amp;byline=1#t=\" data-no-translation-title=\"\"><\/iframe>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1d05c3 elementor-widget elementor-widget-text-editor\" data-id=\"e1d05c3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Did you know that FNMA does not make you consider self- employment losses if income from another source is available?<\/strong><\/p><p>Self-employed borrower\u2019s losses reported on the borrower&#8217;s tax returns, is not required when a borrower can qualify using only income that is from separate non self-employed source. Examples of non-self-employed income from another source include salary from another job, passive income and retirement income. So, if your business shows a loss, you may not have to count the loss if you have other income. Lenders require two years of signed business and personal tax returns to calculate an average income but under certain conditions the business tax returns can be waived if: -the borrower uses personal funds for down payment, closing costs and reserves, -they\u2019ve been self-employed in the same business for at least five years, and -the borrower\u2019s individual tax returns show an increase in self-employment income over the past two years. Another alternative for a lender allows a self-employed borrower to qualify using the most recent year of personal and business tax returns, instead of analyzing the past 2 years of tax returns. These rules can offer big advantages to a borrower when the business had lower income in the prior year. Or if the self-employed business loss can negatively affect available income for qualification purposes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Self-Employed Income HacksWhat You Need to Know https:\/\/vimeo.com\/808070370 Did you know that FNMA does not make you consider self- employment losses if income from another source is available? Self-employed borrower\u2019s losses reported on the borrower&#8217;s tax returns, is not required when a borrower can qualify using only income that is from separate non self-employed source. [&hellip;]<\/p>","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3983","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Self-Employed Income Hacks - Heide International LLC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/heideinternational.com\/nn\/self-employed-income-hacks\/\" \/>\n<meta property=\"og:locale\" content=\"nn_NO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Self-Employed Income Hacks - Heide International LLC\" \/>\n<meta property=\"og:description\" content=\"Self-Employed Income HacksWhat You Need to Know https:\/\/vimeo.com\/808070370 Did you know that FNMA does not make you consider self- employment losses if income from another source is available? 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