{"text_format":"1","workbook":"xlsx","n_sheets":5,"sheets":["Dropdowns","W2 & Salaried Income Borrower 1","Additional Income Brw1","W2 & Salaried Income CoBorrow","Additional Income CoBorr"],"not_rendered":{"charts":0,"images":2,"macros":1,"external_links":0,"defined_names":57,"comments":2,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Dropdowns","index":0,"n_rows":13,"n_cols":5,"rows_kept":13,"cut":false,"hidden":true,"merged":[]}
["Years for W2","Income Calculation Method","Additional Income","Use Income","Borrower/Co-Borrower"]
[2009,"Select Method Used","Yes","Use","B"]
[2010,"Hourly Employee","No","Yes","C"]
[2011,"Weekly Salaried","N/A","No","N/A"]
[2012,"Bi-Weekly Salaried",null,"N/A"]
[2013,"Semi-Monthly Salaried"]
[2014,"Monthly Salaried"]
[2015,"Year-To-Date"]
[2016,"W2 Income- Previous Year"]
[2017,"W2 Income- Previous Two Years"]
[2018,"YTD+ W2 Income- Previous Year"]
[2019,"YTD + W2 Income- Previous Two Years"]
["N/A","Select Method Used"]

{"sheet":"W2 & Salaried Income Borrower 1","index":1,"n_rows":128,"n_cols":29,"rows_kept":128,"cut":false,"hidden":false,"merged":[[0,12,0,16],[84,5,84,6],[2,13,2,15],[1,1,1,16],[3,1,3,6],[2,4,2,7],[4,4,4,7],[4,1,4,3],[25,7,25,10],[4,10,4,12],[4,13,4,15],[5,1,5,16],[6,1,6,16],[7,1,7,16],[9,14,9,15],[9,5,9,6],[13,5,13,6],[21,5,21,6],[25,5,25,6],[20,1,20,16],[16,1,16,16],[18,1,18,16],[75,1,75,4],[75,5,75,6],[50,1,50,16],[73,1,73,16],[74,7,74,15],[74,5,74,6],[74,1,74,4],[52,1,52,2],[64,9,64,10],[64,13,64,14],[64,4,64,6],[51,13,53,14],[66,13,66,14],[66,9,66,10],[70,9,70,10],[70,6,70,7],[77,1,77,4],[77,5,77,6],[77,7,77,15],[79,1,79,4],[79,5,79,6],[79,7,79,15],[75,7,75,15],[76,1,76,4],[76,5,76,6],[76,7,76,15],[83,7,83,15],[81,1,81,4],[81,5,81,6],[81,7,81,15],[82,1,82,4],[82,5,82,6],[82,7,82,15],[83,1,83,4],[78,1,78,4],[78,5,78,6],[78,7,78,15],[80,1,80,4],[80,5,80,6],[80,7,80,15],[31,1,31,16],[32,1,32,16],[34,14,34,15],[29,14,29,15],[34,5,34,6],[34,1,34,4],[93,1,93,16],[90,1,90,3],[90,6,90,7],[90,14,90,15],[91,1,91,16],[92,1,92,16],[86,1,86,16],[87,1,87,16],[88,1,88,3],[88,6,88,7],[88,8,88,11],[88,12,88,13],[88,14,88,15],[89,1,89,4],[89,9,89,16],[88,4,88,5],[90,4,90,5],[83,5,83,6],[49,1,49,16],[45,1,45,16],[47,1,47,16],[48,1,48,9],[37,1,37,16],[43,1,43,16],[35,1,35,16],[33,1,33,16],[30,1,30,16],[44,1,44,16],[46,14,46,15],[48,14,48,15],[36,1,36,16],[38,6,38,7],[38,8,38,9],[38,14,38,15],[40,6,40,7],[40,8,40,9],[40,14,40,15],[46,1,46,10],[40,1,40,3],[34,7,34,8],[39,1,39,16],[38,1,38,2],[13,1,13,4],[11,1,11,16],[13,14,13,15],[15,1,15,16],[17,14,17,15],[17,1,17,4],[13,7,13,10],[17,7,17,10],[29,5,29,6],[21,14,21,15],[23,1,23,16],[25,14,25,15],[27,1,27,16],[14,1,14,16],[12,1,12,16],[24,1,24,16],[22,1,22,16],[21,7,21,10],[21,1,21,4],[25,1,25,4],[29,1,29,4],[28,1,28,16],[26,1,26,16],[29,7,29,10],[2,9,2,12],[55,13,55,14],[51,9,53,10],[57,9,57,10],[55,9,55,10],[61,2,61,4],[59,2,59,5],[60,6,62,6],[59,6,59,7],[61,9,61,10],[59,9,59,10],[55,2,55,6],[57,2,57,6],[59,13,59,14],[57,13,57,14],[61,13,61,14],[42,1,42,10],[42,14,42,15],[19,1,19,16],[8,1,8,16],[10,1,10,16],[17,5,17,6],[9,1,9,4],[9,7,9,8]]}
[null,"                            W2/Salaried Income Calculation",null,null,null,null,null,null,null,null,null,null,"PROCESSING"]
[]
[null,"Borrower Name:",null,null,null,null,null,null,null,"Pay Period End Date:",null,null,null,null,null,null," "]
[]
[null,"Employer Name:",null,null,null,null,null,null,null,null," Position:",null,null,null,null,null," "]
[]
[null,"Salaried"]
[null,"Borrower is an Hourly Employee"]
[]
[null,"Hourly Rate of Pay",null,null,null,null,null,"     Hours/Week:",null,null,null,null,null,"Income:",{"$f":"SUM((F10*J10)*52)/12","v":0}]
[]
[null,"Borrower is Weekly Salaried"]
[]
[null,"Weekly Salary Rate",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"SUM(F14*52)/12","v":0}]
[]
[null,"Borrower is Bi-Weekly Salaried (Paid Every Other Week or 26 Pay Periods per Year)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,"Bi-Weekly Salary Rate",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"SUM(F18*26)/12","v":0}]
[]
[null,"Borrower is Semi-Monthly Salaried (Paid Twice Monthly)"]
[]
[null,"Semi-Monthly Salary Rate",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"SUM(F22*24)/12","v":0}]
[]
[]
[]
[null,"Monthly Salary Rate",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"F26","v":0}]
[]
[]
[]
[null,"Annual Salary Rate",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(F30/12)","v":0}]
[]
[null,"Year-To-Date and W2"]
[null,"Year-To-Date"]
[]
[null,"Income Year-to-Date",null,null,null,null,null,"      # of Months:",null,{"$f":"FLOOR(MONTH(N3)-1+DAY(N3)/DAY(DATE(YEAR(N3),MONTH(N3)+1,0)),0.01)","v":0},null,null,null,"Income:",{"$f":"SUMIF(F35,\">0\",F35)/SUMIF(J35,\">0\",J35)","v":{"$error":"#DIV/0!"}}]
[]
[null,"W2 Income"]
[]
[null,"Previous Year",null,"Less than",1,null,"      W2 Income:",null,null,null,null,null,null,"Income:",{"$f":"I39/12","v":0}]
[]
[null,"Previous 2 Years ",null,null,1,null,"      W2 Income:",null,null,null,null,null,null,"Income:",{"$f":"I41/12","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(I39+I41)/24","v":0}]
[]
[null,"Year-to-Date + W2 Income"]
[]
[null,"Year-to-Date Income + Previous Year W2",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(SUMIF(I39,\">0\",F35)+SUMIF(I39,\">0\",I39))/(12+J35)","v":0}]
[null," "]
[null,"Year-to-Date Income + Previous Two Years W2",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(SUMIF(I41,\">0\",F35)+SUMIF(I41,\">0\",I39)+SUMIF(I41,\">0\",I41))/(24+SUMIF(I41,\">0\",J35))","v":0}]
[]
[]
[null,null,null,null,null,null,null,null,null,"Current Year",null,null,null,"Previous Year"]
[null,"Form 2106"]
[]
[]
[null,null,"Total Expenses: Line 8, Columns A + B -OR-"]
[]
[null,null,"2106 EZ: Line 6"]
[]
[null,null,"Business Miles: Line 13a (EZ Line 8a)",null,null,null,"Miles:"]
[null,null,null,null,null,null,"2011 $.22        2012 $.23         2013 $.23"]
[null,null,"X Depriciation Rate"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,null,null,"Total Mileage Depreciation",null,null,null,null,{"$f":"J60*J62","v":0},null,null,null,{"$f":"N60*N62","v":0}]
[]
[null,null,null,null,null,null,null,null,null,{"$f":"((J56+J58)-J65)/12","v":0},null,null,null,{"$f":"((N56+N58)-N65)/12","v":0}]
[]
[]
[]
[null,null,null,null,null,null,"2 Year Average",null,null,{"$f":"(J67+N67)/2","v":0}]
[]
[]
[null,"Additional Income"]
[null,"Additional Income Types",null,null,null,"Amount",null,"Comments"]
[null,"Overtime",null,null,null,{"$f":"'Additional Income Brw1'!AI5","v":{"$error":"#DIV/0!"}}]
[null,"Bonus",null,null,null,{"$f":"'Additional Income Brw1'!AI24","v":0}]
[null,"Commission",null,null,null,{"$f":"'Additional Income Brw1'!AI43","v":0}]
[null,"Pension/Retirement",null,null,null,{"$f":"'Additional Income Brw1'!AI62","v":0}]
[null,"Social Security",null,null,null,{"$f":"'Additional Income Brw1'!AI69","v":0}]
[null,"Child Support",null,null,null,0]
[null,"Alimony",null,null,null,0]
[null,"Note Income",null,null,null,0]
[null,"Other Income",null,null,null,null,null," "]
[null,"Borrower Total",null,null," ",{"$f":"SUM(F76:G84)","v":{"$error":"#DIV/0!"}},null,null,false]
[]
[null,"Qualifying Income"]
[]
[null,"1003 Base Pay:",null,null,{"$f":"SUMIF(O115,1,O10)+SUMIF(O115,2,O14)+SUMIF(O115,3,O18)+SUMIF(O115,4,O22)+SUMIF(O115,5,O26)+SUMIF(O115,6,O30)+SUMIF(O115,7,O35)+SUMIF(O115,8,O39)+SUMIF(O115,9,O41)+SUMIF(O115,10,O47)+SUMIF(O115,11,O49)+SUMIF(O115,12,O43)-SUMIF(R116,TRUE,J67)-SUMIF(R117,TRUE,N67)-SUMIF(R118,TRUE,J71)","v":0},null,"  Completed by:",null,null,null,null,null,"          Date:"]
[]
[null,"1003 Total Income:",null,null,{"$f":"E89+F85","v":{"$error":"#DIV/0!"}},null,"             Method:",null,null,null,null,null,null,null,5]
[]
[]
[null,"Comments"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"FORMULA KEY. PLEASE DO NOT TOUCH ANYTHING BELOW THIS."]
[]
[null,"Years for W2",null,null,"Income Calculation Method",null,null,null,null,null,"Borrower/Co-Borrower",null,null,null,11,null,null,"2106 Income"]
[null,null,null,null,"Select Method Used",null,null,null,null,null,"B",null,null,null,null,null,null,false,"Curnt YR"]
[null,2009,null,null,"Hourly Employee",null,null,null,null,null,"C",null,null,null,null,null,null,false,"Prev YR"]
[null,2010,null,null,"Weekly Salaried",null,null,null,null,null,"N/A",null,null,null,null,null,null,false,"Avg"]
[null,2011,null,null,"Bi-Weekly Salaried",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUMIF(R116,TRUE,J67)+SUMIF(R117,TRUE,N67)+SUMIF(R118,TRUE,J71)","v":0}]
[null,2012,null,null,"Semi-Monthly Salaried",null,null,null,null,null,{"$f":"N3","v":"00:00:00"},null,null,null,null,null,null,{"$f":"SUMIF(R116:R118,TRUE,J67:O71)","v":0}]
[null,2013,null,null,"Monthly Salaried"]
[null,2014,null,null,"Year-To-Date"]
[null,2015,null,null,"W2 Income- Previous Year"]
[null,2016,null,null,"W2 Income- Previous Two Years"]
[null,2017,null,null,"YTD+ W2 Income- Previous Year"]
[null,2018,null,null,"YTD + W2 Income- Previous Two Years"]
[null,2019,null,null,"Select Method Used"]
[null,"N/A"]

{"sheet":"Additional Income Brw1","index":2,"n_rows":92,"n_cols":35,"rows_kept":92,"cut":false,"hidden":false,"merged":[[70,14,70,15],[68,1,68,5],[68,6,68,7],[61,1,61,5],[4,7,4,8],[9,1,9,16],[4,5,4,6],[4,1,4,4],[2,1,2,16],[4,14,4,15],[5,1,5,16],[3,1,3,16],[6,1,6,16],[8,8,8,9],[8,14,8,15],[10,8,10,9],[10,14,10,15],[12,1,12,10],[12,14,12,15],[19,1,19,16],[15,1,15,16],[18,1,18,9],[7,1,7,16],[11,1,11,16],[14,1,14,16],[16,14,16,15],[18,14,18,15],[16,1,16,10],[21,1,21,16],[22,1,22,16],[23,1,23,4],[23,5,23,6],[23,7,23,8],[23,14,23,15],[24,1,24,16],[25,1,25,16],[26,1,26,16],[27,1,27,4],[29,1,29,4],[40,1,40,16],[41,1,41,16],[31,14,31,15],[37,1,37,9],[37,14,37,15],[27,6,27,7],[27,8,27,9],[27,14,27,15],[28,1,28,16],[29,6,29,7],[29,8,29,9],[29,14,29,15],[42,1,42,4],[42,5,42,6],[42,7,42,8],[42,14,42,15],[30,1,30,16],[33,1,33,16],[34,1,34,16],[35,1,35,10],[35,14,35,15],[31,1,31,10],[38,1,38,16],[71,1,71,16],[1,1,1,3],[1,4,1,6],[70,1,70,3],[70,6,70,7],[70,8,70,9],[61,14,61,15],[62,1,62,16],[63,6,63,7],[63,8,63,9],[63,14,63,15],[64,1,64,16],[60,1,60,16],[61,6,61,7],[61,8,61,9],[56,1,56,9],[68,14,68,15],[69,1,69,16],[1,7,1,9],[1,10,1,15],[67,1,67,16],[8,1,8,4],[10,1,10,4],[8,5,8,7],[10,5,10,7],[66,1,66,16],[56,14,56,15],[57,1,57,16],[59,1,59,16],[50,1,50,10],[50,14,50,15],[52,1,52,16],[53,1,53,16],[54,1,54,10],[54,14,54,15],[47,1,47,16],[48,1,48,3],[48,6,48,7],[48,8,48,9],[48,14,48,15],[49,1,49,16],[44,1,44,16],[45,1,45,16],[46,1,46,3],[46,6,46,7],[46,8,46,9],[46,14,46,15],[43,1,43,16]]}
[]
[null,"Pay Stub date:",null,null,{"$f":"'W2 & Salaried Income Borrower 1'!K120","v":"00:00:00"},null,null,"Borrower:"]
[null," OVERTIME YTD"]
[]
[null,"Overtime YTD",null,null,null,null,null,"      # of Months:",null,{"$f":"FLOOR(MONTH(E2)-1+DAY(E2)/DAY(DATE(YEAR(E2),MONTH(E2)+1,0)),0.01)","v":0},null,null,null,"Income:",{"$f":"F5/J5","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true,null,{"$f":"SUMIF(AG5:AG19,TRUE,O5:O19)","v":{"$error":"#DIV/0!"}}]
[]
[null,"Overtime Income"]
[]
[null,"Previous Year Overtime",null,null,null,"      Overtime Income:",null,null,null,null,null,null,null,"Income:",{"$f":"I9/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"Previous 2 Year Overtime",null,null,null,"      Overtime Income:",null,null,null,null,null,null,null,"Income:",{"$f":"I11/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"24 month average",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(I9+I11)/24","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,null,{"$f":"SUMIF(AG5,TRUE,O5)+SUMIF(AG9,TRUE,O9)+SUMIF(AG11,TRUE,O11)+SUMIF(AG13,TRUE,O13)+SUMIF(AG17,TRUE,O17)+SUMIF(AG19,TRUE,O19)+SUMIF(AG24,TRUE,O24)+SUMIF(AG28,TRUE,O28)+SUMIF(AG30,TRUE,O30)+SUMIF(AG32,TRUE,O32)+SUMIF(AG36,TRUE,O36)+SUMIF(AG38,TRUE,O38)+SUMIF(AG43,TRUE,O43)+SUMIF(AG47,TRUE,O47)+SUMIF(AG49,TRUE,O49)+SUMIF(AG51,TRUE,O51)+SUMIF(AG55,TRUE,O55)+SUMIF(AG57,TRUE,O57)+SUMIF(AG62,TRUE,O62)+SUMIF(AG64,TRUE,O64)+SUMIF(AG69,TRUE,O69)+SUMIF(AG71,TRUE,O71)","v":{"$error":"#DIV/0!"}}]
[]
[null,"YTD + Overtime Income"]
[]
[null,"YTD Overtime Income + Previous Year Overtime",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(F5+I9)/(12+J5)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"YTD Overtime Income + Previous Two Years Overtime",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(F5+I11+I9)/(24+J5)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[]
[null,"BONUS YTD"]
[]
[null,"Bonus YTD",null,null,null,null,null,"      # of Months:",null,{"$f":"FLOOR(MONTH(E2)-1+DAY(E2)/DAY(DATE(YEAR(E2),MONTH(E2)+1,0)),0.01)","v":0},null,null,null,"Income:",{"$f":"F24/J24","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,null,{"$f":"SUMIF(AG24:AG38,TRUE,O24:O38)","v":0}]
[]
[null,"Bonus Income"]
[]
[null,"Previous Year Bonus",null,null,null,null,"      Bonus Income:",null,null,null,null,null,null,"Income:",{"$f":"I28/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"Previous 2 Year Bonus",null,null,null,null,"      Bonus Income:",null,null,null,null,null,null,"Income:",{"$f":"I30/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"24 month average",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(I28+I30)/24","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"YTD + Bonus Income"]
[]
[null,"YTD Bonus Income + Previous Year Bonus",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(F24+I28)/(12+J24)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"YTD Bonus Income + Previous Two Years Bonus",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(F24+I30+I28)/(24+J24)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[]
[null," COMMISSION YTD"]
[]
[null,"COMMISSION YTD",null,null,null,null,null,"      # of Months:",null,{"$f":"FLOOR(MONTH(E2)-1+DAY(E2)/DAY(DATE(YEAR(E2),MONTH(E2)+1,0)),0.01)","v":0},null,null,null,"Income:",{"$f":"F43/J43","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,null,{"$f":"SUMIF(AG43:AG57,TRUE,O43:O57)","v":0}]
[]
[null,"COMMISSION Income"]
[]
[null,"Previous Year COMM",null,null,null,null,"      COMM Income:",null,null,null,null,null,null,"Income:",{"$f":"I47/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"Previous 2 Year COMM",null,null,null,null,"      COMM Income:",null,null,null,null,null,null,"Income:",{"$f":"I49/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"24 month average",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(I47+I49)/24","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"YTD + COMMISSION Income"]
[]
[null,"YTD COMM Income + Previous Year Commission",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(F43+I47)/(12+J43)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"YTD COMM Income + Previous Two Years Commission",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(F43+I49+I47)/(24+J43)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[]
[null,"PENSION/RETIREMENT YTD"]
[]
[null,"Monthly Amount per Award Letter:",null,null,null,null,null,null,null,null,null,null,null,"Income:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,null,{"$f":"SUMIF(AG62:AG65,TRUE,O62:O65)","v":0}]
[]
[null,"Previous Year Pen/Ret",null,null,null,null,"     Pen/Ret Income:",null,null,null,null,null,null,"Income:",{"$f":"I64/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[]
[null,"SOCIAL SECURITY"]
[]
[null,"Monthly Amount per Award Letter:",null,null,null,null,null,null,null,null,null,null,null,"Income:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,null,{"$f":"SUMIF(AG69:AG71,TRUE,O69:O71)","v":0}]
[]
[null,"Previous Year SS",null,null,null,null,"      SS Income:",null,null,null,null,null,null,"Income:",{"$f":"(I71/12)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,2014]
[null,null,null,null,null,null,null,null,2013]
[null,null,null,null,null,null,null,null,2012]
[null,null,null,null,null,null,null,null,2011]
[null,null,null,null,null,null,null,null,2010]
[null,null,null,null,null,null,null,null,2009]
[null,null,null,null,null,null,null,null,2008]
[null,null,null,null,null,null,null,null,2007]
[null,null,null,null,null,null,null,null,2006]
[null,null,null,null,null,null,null,null,2005]
[null,null,null,null,null,null,null,null,"N/A"]

{"sheet":"W2 & Salaried Income CoBorrow","index":3,"n_rows":128,"n_cols":29,"rows_kept":128,"cut":false,"hidden":false,"merged":[[91,1,91,16],[92,1,92,16],[93,1,93,16],[89,1,89,4],[89,9,89,16],[90,1,90,3],[90,4,90,5],[90,6,90,7],[90,14,90,15],[84,5,84,6],[86,1,86,16],[87,1,87,16],[88,1,88,3],[88,4,88,5],[88,6,88,7],[88,8,88,11],[88,12,88,13],[88,14,88,15],[82,1,82,4],[82,5,82,6],[82,7,82,15],[83,1,83,4],[83,5,83,6],[83,7,83,15],[80,1,80,4],[80,5,80,6],[80,7,80,15],[81,1,81,4],[81,5,81,6],[81,7,81,15],[78,1,78,4],[78,5,78,6],[78,7,78,15],[79,1,79,4],[79,5,79,6],[79,7,79,15],[76,1,76,4],[76,5,76,6],[76,7,76,15],[77,1,77,4],[77,5,77,6],[77,7,77,15],[73,1,73,16],[74,1,74,4],[74,5,74,6],[74,7,74,15],[75,1,75,4],[75,5,75,6],[75,7,75,15],[64,4,64,6],[64,9,64,10],[64,13,64,14],[66,9,66,10],[66,13,66,14],[70,9,70,10],[70,6,70,7],[59,2,59,5],[59,6,59,7],[59,9,59,10],[59,13,59,14],[60,6,62,6],[61,2,61,4],[61,9,61,10],[61,13,61,14],[55,2,55,6],[55,9,55,10],[55,13,55,14],[57,2,57,6],[57,9,57,10],[57,13,57,14],[48,1,48,9],[48,14,48,15],[49,1,49,16],[50,1,50,16],[51,9,53,10],[51,13,53,14],[52,1,52,2],[43,1,43,16],[44,1,44,16],[45,1,45,16],[46,1,46,10],[46,14,46,15],[47,1,47,16],[39,1,39,16],[40,1,40,3],[40,6,40,7],[40,8,40,9],[40,14,40,15],[42,1,42,10],[42,14,42,15],[35,1,35,16],[36,1,36,16],[37,1,37,16],[38,1,38,2],[38,6,38,7],[38,8,38,9],[38,14,38,15],[30,1,30,16],[31,1,31,16],[32,1,32,16],[33,1,33,16],[34,1,34,4],[34,5,34,6],[34,7,34,8],[34,14,34,15],[26,1,26,16],[27,1,27,16],[28,1,28,16],[29,1,29,4],[29,5,29,6],[29,7,29,10],[29,14,29,15],[22,1,22,16],[23,1,23,16],[24,1,24,16],[25,1,25,4],[25,5,25,6],[25,7,25,10],[25,14,25,15],[18,1,18,16],[19,1,19,16],[20,1,20,16],[21,1,21,4],[21,5,21,6],[21,7,21,10],[21,14,21,15],[14,1,14,16],[15,1,15,16],[16,1,16,16],[17,1,17,4],[17,5,17,6],[17,7,17,10],[17,14,17,15],[10,1,10,16],[11,1,11,16],[12,1,12,16],[13,1,13,4],[13,5,13,6],[13,7,13,10],[13,14,13,15],[0,12,0,16],[1,1,1,16],[2,4,2,7],[2,9,2,12],[2,13,2,15],[3,1,3,6],[7,1,7,16],[8,1,8,16],[9,1,9,4],[9,5,9,6],[9,7,9,8],[9,14,9,15],[4,1,4,3],[4,4,4,7],[4,10,4,12],[4,13,4,15],[5,1,5,16],[6,1,6,16]]}
[null,"                            W2/Salaried Income Calculation",null,null,null,null,null,null,null,null,null,null,"PROCESSING"]
[]
[null,"Borrower Name:",null,null,null,null,null,null,null,"Pay Period End Date:",null,null,null,null,null,null," "]
[]
[null,"Employer Name:",null,null,null,null,null,null,null,null," Position:",null,null,null,null,null," "]
[]
[null,"Salaried"]
[null,"Borrower is an Hourly Employee"]
[]
[null,"Hourly Rate of Pay",null,null,null,null,null,"     Hours/Week:",null,null,null,null,null,"Income:",{"$f":"SUM((F10*J10)*52)/12","v":0}]
[]
[null,"Borrower is Weekly Salaried"]
[]
[null,"Weekly Salary Rate",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"SUM(F14*52)/12","v":0}]
[]
[null,"Borrower is Bi-Weekly Salaried (Paid Every Other Week or 26 Pay Periods per Year)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[null,"Bi-Weekly Salary Rate",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"SUM(F18*26)/12","v":0}]
[]
[null,"Borrower is Semi-Monthly Salaried (Paid Twice Monthly)"]
[]
[null,"Semi-Monthly Salary Rate",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"SUM(F22*24)/12","v":0}]
[]
[]
[]
[null,"Monthly Salary Rate",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"F26","v":0}]
[]
[]
[]
[null,"Annual Salary Rate",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(F30/12)","v":0}]
[]
[null,"Year-To-Date and W2"]
[null,"Year-To-Date"]
[]
[null,"Income Year-to-Date",null,null,null,null,null,"      # of Months:",null,{"$f":"FLOOR(MONTH(N3)-1+DAY(N3)/DAY(DATE(YEAR(N3),MONTH(N3)+1,0)),0.01)","v":0},null,null,null,"Income:",{"$f":"SUMIF(F35,\">0\",F35)/SUMIF(J35,\">0\",J35)","v":{"$error":"#DIV/0!"}}]
[]
[null,"W2 Income"]
[]
[null,"Previous Year",null,"Less than",1,null,"      W2 Income:",null,null,null,null,null,null,"Income:",{"$f":"I39/12","v":0}]
[]
[null,"Previous 2 Years ",null,null,1,null,"      W2 Income:",null,null,null,null,null,null,"Income:",{"$f":"I41/12","v":0}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(I39+I41)/24","v":0}]
[]
[null,"Year-to-Date + W2 Income"]
[]
[null,"Year-to-Date Income + Previous Year W2",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(SUMIF(I39,\">0\",F35)+SUMIF(I39,\">0\",I39))/(12+J35)","v":0}]
[null," "]
[null,"Year-to-Date Income + Previous Two Years W2",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(SUMIF(I41,\">0\",F35)+SUMIF(I41,\">0\",I39)+SUMIF(I41,\">0\",I41))/(24+SUMIF(I41,\">0\",J35))","v":0}]
[]
[]
[null,null,null,null,null,null,null,null,null,"Current Year",null,null,null,"Previous Year"]
[null,"Form 2106"]
[]
[]
[null,null,"Total Expenses: Line 8, Columns A + B -OR-"]
[]
[null,null,"2106 EZ: Line 6"]
[]
[null,null,"Business Miles: Line 13a (EZ Line 8a)",null,null,null,"Miles:"]
[null,null,null,null,null,null,"2011 $.22        2012 $.23         2013 $.23"]
[null,null,"X Depriciation Rate"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,null,null,"Total Mileage Depreciation",null,null,null,null,{"$f":"J60*J62","v":0},null,null,null,{"$f":"N60*N62","v":0}]
[]
[null,null,null,null,null,null,null,null,null,{"$f":"((J56+J58)-J65)/12","v":0},null,null,null,{"$f":"((N56+N58)-N65)/12","v":0}]
[]
[]
[]
[null,null,null,null,null,null,"2 year average",null,null,{"$f":"(J67+N67)/2","v":0}]
[]
[]
[null,"Additional Income"]
[null,"Additional Income Types",null,null,null,"Amount",null,"Comments"]
[null,"Overtime",null,null,null,{"$f":"'Additional Income CoBorr'!AI5","v":{"$error":"#DIV/0!"}}]
[null,"Bonus",null,null,null,{"$f":"'Additional Income CoBorr'!AI24","v":0}]
[null,"Commission",null,null,null,{"$f":"'Additional Income CoBorr'!AI43","v":0}]
[null,"Pension/Retirement",null,null,null,{"$f":"'Additional Income CoBorr'!AI62","v":0}]
[null,"Social Security",null,null,null,{"$f":"'Additional Income CoBorr'!AI69","v":0}]
[null,"Child Support",null,null,null,0]
[null,"Alimony",null,null,null,0]
[null,"Note Income",null,null,null,0]
[null,"Other Income",null,null,null,null,null," "]
[null,"Borrower Total",null,null," ",{"$f":"SUM(F76:G84)","v":{"$error":"#DIV/0!"}},null,null,false]
[]
[null,"Qualifying Income"]
[]
[null,"1003 Base Pay:",null,null,{"$f":"SUMIF(O115,1,O10)+SUMIF(O115,2,O14)+SUMIF(O115,3,O18)+SUMIF(O115,4,O22)+SUMIF(O115,5,O26)+SUMIF(O115,6,O30)+SUMIF(O115,7,O35)+SUMIF(O115,8,O39)+SUMIF(O115,9,O41)+SUMIF(O115,10,O47)+SUMIF(O115,11,O49)+SUMIF(O115,12,O43)-SUMIF(R116,TRUE,J67)-SUMIF(R117,TRUE,N67)-SUMIF(R118,TRUE,J71)","v":0},null,"  Completed by:",null,null,null,null,null,"          Date:"]
[]
[null,"1003 Total Income:",null,null,{"$f":"E89+F85","v":{"$error":"#DIV/0!"}},null,"             Method:",null,null,null,null,null,null,null,5]
[]
[]
[null,"Comments"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"FORMULA KEY. PLEASE DO NOT TOUCH ANYTHING BELOW THIS."]
[]
[null,"Years for W2",null,null,"Income Calculation Method",null,null,null,null,null,"Borrower/Co-Borrower",null,null,null,3,null,null,"2106 Income"]
[null,null,null,null,"Select Method Used",null,null,null,null,null,"B",null,null,null,null,null,null,false,"Curnt YR"]
[null,2009,null,null,"Hourly Employee",null,null,null,null,null,"C",null,null,null,null,null,null,false,"Prev YR"]
[null,2010,null,null,"Weekly Salaried",null,null,null,null,null,"N/A",null,null,null,null,null,null,false,"Avg"]
[null,2011,null,null,"Bi-Weekly Salaried",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUMIF(R116,TRUE,J67)+SUMIF(R117,TRUE,N67)+SUMIF(R118,TRUE,J71)","v":0}]
[null,2012,null,null,"Semi-Monthly Salaried",null,null,null,null,null,{"$f":"N3","v":"00:00:00"},null,null,null,null,null,null,{"$f":"SUMIF(R116:R118,TRUE,J67:O71)","v":0}]
[null,2013,null,null,"Monthly Salaried"]
[null,2014,null,null,"Year-To-Date"]
[null,2015,null,null,"W2 Income- Previous Year"]
[null,2016,null,null,"W2 Income- Previous Two Years"]
[null,2017,null,null,"YTD+ W2 Income- Previous Year"]
[null,2018,null,null,"YTD + W2 Income- Previous Two Years"]
[null,2019,null,null,"Select Method Used"]
[null,"N/A"]

{"sheet":"Additional Income CoBorr","index":4,"n_rows":92,"n_cols":35,"rows_kept":92,"cut":false,"hidden":false,"merged":[[1,1,1,3],[1,4,1,6],[1,7,1,9],[1,10,1,15],[2,1,2,16],[3,1,3,16],[7,1,7,16],[8,1,8,4],[8,5,8,7],[8,8,8,9],[8,14,8,15],[9,1,9,16],[4,1,4,4],[4,5,4,6],[4,7,4,8],[4,14,4,15],[5,1,5,16],[6,1,6,16],[14,1,14,16],[15,1,15,16],[16,1,16,10],[16,14,16,15],[18,1,18,9],[18,14,18,15],[10,1,10,4],[10,5,10,7],[10,8,10,9],[10,14,10,15],[11,1,11,16],[12,1,12,10],[12,14,12,15],[24,1,24,16],[25,1,25,16],[26,1,26,16],[27,1,27,4],[27,6,27,7],[27,8,27,9],[27,14,27,15],[19,1,19,16],[21,1,21,16],[22,1,22,16],[23,1,23,4],[23,5,23,6],[23,7,23,8],[23,14,23,15],[31,1,31,10],[31,14,31,15],[33,1,33,16],[34,1,34,16],[35,1,35,10],[35,14,35,15],[28,1,28,16],[29,1,29,4],[29,6,29,7],[29,8,29,9],[29,14,29,15],[30,1,30,16],[43,1,43,16],[44,1,44,16],[45,1,45,16],[46,1,46,3],[46,6,46,7],[46,8,46,9],[46,14,46,15],[37,1,37,9],[37,14,37,15],[38,1,38,16],[40,1,40,16],[41,1,41,16],[42,1,42,4],[42,5,42,6],[42,7,42,8],[42,14,42,15],[50,1,50,10],[50,14,50,15],[52,1,52,16],[53,1,53,16],[54,1,54,10],[54,14,54,15],[47,1,47,16],[48,1,48,3],[48,6,48,7],[48,8,48,9],[48,14,48,15],[49,1,49,16],[62,1,62,16],[63,6,63,7],[63,8,63,9],[63,14,63,15],[64,1,64,16],[66,1,66,16],[56,1,56,9],[56,14,56,15],[57,1,57,16],[59,1,59,16],[60,1,60,16],[61,1,61,5],[61,6,61,7],[61,8,61,9],[61,14,61,15],[71,1,71,16],[67,1,67,16],[68,1,68,5],[68,6,68,7],[68,14,68,15],[69,1,69,16],[70,1,70,3],[70,6,70,7],[70,8,70,9],[70,14,70,15]]}
[]
[null,"Pay Stub date:",null,null,{"$f":"'W2 & Salaried Income CoBorrow'!K120","v":"00:00:00"},null,null,"Borrower:"]
[null," OVERTIME YTD"]
[]
[null,"Overtime YTD",null,null,null,null,null,"      # of Months:",null,{"$f":"FLOOR(MONTH(E2)-1+DAY(E2)/DAY(DATE(YEAR(E2),MONTH(E2)+1,0)),0.01)","v":0},null,null,null,"Income:",{"$f":"F5/J5","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true,null,{"$f":"SUMIF(AG5:AG19,TRUE,O5:O19)","v":{"$error":"#DIV/0!"}}]
[]
[null,"Overtime Income"]
[]
[null,"Previous Year Overtime",null,null,null,"      Overtime Income:",null,null,null,null,null,null,null,"Income:",{"$f":"I9/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"Previous 2 Year Overtime",null,null,null,"      Overtime Income:",null,null,null,null,null,null,null,"Income:",{"$f":"I11/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"24 month average",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(I9+I11)/24","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,null,{"$f":"SUMIF(AG5,TRUE,O5)+SUMIF(AG9,TRUE,O9)+SUMIF(AG11,TRUE,O11)+SUMIF(AG13,TRUE,O13)+SUMIF(AG17,TRUE,O17)+SUMIF(AG19,TRUE,O19)+SUMIF(AG24,TRUE,O24)+SUMIF(AG28,TRUE,O28)+SUMIF(AG30,TRUE,O30)+SUMIF(AG32,TRUE,O32)+SUMIF(AG36,TRUE,O36)+SUMIF(AG38,TRUE,O38)+SUMIF(AG43,TRUE,O43)+SUMIF(AG47,TRUE,O47)+SUMIF(AG49,TRUE,O49)+SUMIF(AG51,TRUE,O51)+SUMIF(AG55,TRUE,O55)+SUMIF(AG57,TRUE,O57)+SUMIF(AG62,TRUE,O62)+SUMIF(AG64,TRUE,O64)+SUMIF(AG69,TRUE,O69)+SUMIF(AG71,TRUE,O71)","v":{"$error":"#DIV/0!"}}]
[]
[null,"YTD + Overtime Income"]
[]
[null,"YTD Overtime Income + Previous Year Overtime",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(F5+I9)/(12+J5)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"YTD Overtime Income + Previous Two Years Overtime",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(F5+I11+I9)/(24+J5)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[]
[null,"BONUS YTD"]
[]
[null,"Bonus YTD",null,null,null,null,null,"      # of Months:",null,{"$f":"FLOOR(MONTH(E2)-1+DAY(E2)/DAY(DATE(YEAR(E2),MONTH(E2)+1,0)),0.01)","v":0},null,null,null,"Income:",{"$f":"F24/J24","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,null,{"$f":"SUMIF(AG24:AG38,TRUE,O24:O38)","v":0}]
[]
[null,"Bonus Income"]
[]
[null,"Previous Year Bonus",null,null,null,null,"      Bonus Income:",null,null,null,null,null,null,"Income:",{"$f":"I28/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"Previous 2 Year Bonus",null,null,null,null,"      Bonus Income:",null,null,null,null,null,null,"Income:",{"$f":"I30/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"24 month average",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(I28+I30)/24","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"YTD + Bonus Income"]
[]
[null,"YTD Bonus Income + Previous Year Bonus",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(F24+I28)/(12+J24)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"YTD Bonus Income + Previous Two Years Bonus",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(F24+I30+I28)/(24+J24)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[]
[]
[null," COMMISSION YTD"]
[]
[null,"COMMISSION YTD",null,null,null,null,null,"      # of Months:",null,{"$f":"FLOOR(MONTH(E2)-1+DAY(E2)/DAY(DATE(YEAR(E2),MONTH(E2)+1,0)),0.01)","v":0},null,null,null,"Income:",{"$f":"F43/J43","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,null,{"$f":"SUMIF(AG43:AG57,TRUE,O43:O57)","v":0}]
[]
[null,"COMMISSION Income"]
[]
[null,"Previous Year COMM",null,null,null,null,"      COMM Income:",null,null,null,null,null,null,"Income:",{"$f":"I47/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"Previous 2 Year COMM",null,null,null,null,"      COMM Income:",null,null,null,null,null,null,"Income:",{"$f":"I49/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"24 month average",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(I47+I49)/24","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"YTD + COMMISSION Income"]
[]
[null,"YTD COMM Income + Previous Year Commission",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(F43+I47)/(12+J43)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false]
[]
[null,"YTD COMM Income + Previous Two Years Commission",null,null,null,null,null,null,null,null,null,null,null,"Income:",{"$f":"(F43+I49+I47)/(24+J43)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[]
[]
[null,"PENSION/RETIREMENT YTD"]
[]
[null,"Monthly Amount per Award Letter:",null,null,null,null,null,null,null,null,null,null,null,"Income:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,null,{"$f":"SUMIF(AG62:AG65,TRUE,O62:O65)","v":0}]
[]
[null,"Previous Year Pen/Ret",null,null,null,null,"     Pen/Ret Income:",null,null,null,null,null,null,"Income:",{"$f":"I64/12","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[]
[]
[null,"SOCIAL SECURITY"]
[]
[null,"Monthly Amount per Award Letter:",null,null,null,null,null,null,null,null,null,null,null,"Income:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,false,null,{"$f":"SUMIF(AG69:AG71,TRUE,O69:O71)","v":0}]
[]
[null,"Previous Year SS",null,null,null,null,"      SS Income:",null,null,null,null,null,null,"Income:",{"$f":"(I71/12)","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,true]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,2014]
[null,null,null,null,null,null,null,null,2013]
[null,null,null,null,null,null,null,null,2012]
[null,null,null,null,null,null,null,null,2011]
[null,null,null,null,null,null,null,null,2010]
[null,null,null,null,null,null,null,null,2009]
[null,null,null,null,null,null,null,null,2008]
[null,null,null,null,null,null,null,null,2007]
[null,null,null,null,null,null,null,null,2006]
[null,null,null,null,null,null,null,null,2005]
[null,null,null,null,null,null,null,null,"N/A"]