K-1 & Pass-through Series: Taxable Income to Cashflow — the Other 3 Ns
Автор: Lenders Online Training
Загружено: 2025-10-14
Просмотров: 9
Lenders don’t make decisions based on historical cashflow alone, we lend on what’s projected. That’s why the second half of our Six Ns framework focuses on the adjustments that take us from history to the future.
In this session of our K-1 & Pass-Through Series, Senior Credit Trainer Dave Stauffacher and LOT Founder & Chief Credit Trainer Linda Keith, CPA, cover the final three Ns:
🔹 Non-Recurring Items: How to identify and remove unusual one-time events from your projections
🔹 New Items: Anticipating new income, expenses, or obligations that haven’t hit the tax return yet
🔹 Non-Documented Items: When guidelines allow you to qualify without every source of income—and why those dollars don’t belong in your projections
Along the way, Linda and Dave unpack the difference between projecting vs. forecasting, show how to document your reasoning, and remind us of their favorite answer: It depends, check your guidelines.
If you’ve mastered the first three Ns (getting from taxable income to historical cashflow), this session completes the picture with the tools to project forward with confidence.
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