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Instructions and Help about Form 4835
Everyone and welcome to the webinar thank you so much for joining us this session is titled analyzing Schedule II rental income my name is Chelsea Thorton I'm a training coordinator for causal home mortgage the information being presented is provided by Radian mortgage insurance our presenter is Richard Laredo Western Regional Training Manager with Radian Richard has been in the mortgage making industry for 20 years and there's held a variety of positions processer closer underwriter and loan Asia and focus own past 10 years has been on training and was such a rich industry experience is extremely versatile trainer and with that on hand things over to you Richard Thank You, Chelsea so welcome everybody to today's webinar on reviewing Schedule II rental income just a quick fact about me, I'm maybe radians Western Regional Training Manager, but I'm sure you're picking up on an East Coast accent so but in I started in the mortgage industry back in Rhode Island, so that's where my accent is from but I've been out west for a long time but my accents not going anywhere and in fact this year is my ten-year anniversary with Radian so I will have been at Radian for 10 whole years later this month um today's webinar I'm going to be talking to you about Schedule II rental income in the sessions based on some changes and recommendations that Fannie Mae actually made that we say seems so far along a far ago back in 2022 in the last quarter of the year Fannie Mae introduced some income worksheets performed 1037 1038 and at 10:39 that we'll be reviewing so in your handout and when you did download that hopefully you printed it out there are playing a piece of the forms and those forms were going to be the basis of our discussion today along with Schedule II tax form from the 1040 s and then again we'll also talk about another form but 1039 which has to do with rental properties that are held completely by a business, but I do want to point out because we have many people from many different parts of the country and some of you may be some of the wholesale brokers that work with plaza so just be sure that if you're your or your policy or your investor uses a different format spreadsheet or something else that I'm not going to be covering continue to use what your company or in your investor would like you to use but today's sessions I'm going to be covering I call it plain Manila Fannie Mae guidelines in the use of their recommended forms, so it doesn't mean you have to use them but once we get started, and you see some of the forms they're going to say well that looks just like the one that I use internally you know I'll give you a hint as to why that may have.