Cipher1 - Features & Benefits

  • 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
  • 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