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You need to verify the income of the borrower (VOI). You also need to verify the assets listed by the borrower (VOA) and any other income information required or produced by the borrower. Every lender differs in the way you go about verifying a loan applicant's income, so be sure to follow the procedures for your specific lender. Keep in mind, the underwriter will still make his/her own calculation based on the tax returns in the file. However, using this worksheet will help you detect potential qualifying issues early. This worksheet derives only the self-employed income by analyzing Schedule C, F, K-1 (E), and 2106. This worksheet will determine the household rent payment based on the greatest of 10% of Monthly Gross Income or 30% of Monthly Adjusted Income. For income exclusions, see CPD Notice 96-03. SHP Regulation 24 CFR 583.315 states “Resident Rent. (a) Calculation of resident rent.