Cipher¹ - Features & Benefits

• Overview
• Features & Benefits
• Screenshots & Reports
• Pricing / Purchase
• Trial Download

• Form 1084 Completed Automatically
• Static Side-By-Side Income Review
  Up to 3 Tax Years
• Underwriter Driven
  Adjustable Income Report
• Allows Underwriter to Determine DURABLE and STABLE Income
• Auto Negates Normally Accepted Non Durable and Stable Income
  • Capital Gains
  • State and Local Refunds
  • Unemployment Compensation
• Compensating Factor Report
• Discrepancy Report
• Corporate, S Corp & Partnership
  Cash Flow Reports
• Schedule E - Rents and Royalty Analysis
  Both Actual and Fannie Std
• Easy to Follow Forms that Mimic the Federal Forms
• 2106 Expense - Depreciation Add Back
• Meets both Fannie Mae and Freddie Mac Analysis Guidelines
• Saves Hours in Underwriting Time
• Improves Tax Analysis Knowledge
• Makes Quality Control Audit of
  Self-Employed Easy
• Makes Reconciliation of 4506T Transcripts Simple
• Allows User to Save up to 5 Years of Analyzed Returns
• Freddie Mac APPROVED TOOL FOR ANALYZING THE SELF-EMPLOYED
• Reviewed and Vetted by Fannie Mae
• Automatically Adds Back Normally Accepted Adjustments to Income
  • Depreciation
  • Depletion
  • Amortization
  • Casualty Loss
  • Major Non Recurring Expenses
  • Business Use of Home