{"text_format":"1","workbook":"xlsx","n_sheets":62,"sheets":["Checklist","203k (2)","203k MATH","FHA","Conv","CHFA","203k","HOMESTYLE","Doc Cal","LDPGSA","Conditions","VA Recoupment Calcs","Loan Comparison 2.15.19","Data_VA","VA Loan Calcs","IRRRL Worksheet","Loan Comparison","VA Verification of Funds","FHA Refi Seasoning Requirement","FHA Cash Out Seasoning Req","FHA SL Case # Seasoning Tool","VA Refi Seasoning Calculator","VA IRRRL UW'er Certification","B-Paystubs","CB-Paystubs","B-Written VOE","CB-Written VOE","Military","Other Income","Asset Income","Schedule C","Data_Income","Residual Inc","SE FNMA 1084","SE SAM Method","Rental - FNMA 1037","Rental - FNMA 1038 (single)","Rental - FNMA 1038 (multiple)","Rental - FHLMC 92 - I & II","Rental - FHLMC 92 - III","Rental - 1039","Rental - 1038A","Schedule E - Partnerships 1&2","Schedule E Partnerships 1&2 (2)","Schedule E Partnerships 1&2 (3)","Schedule E Partnerships 1&2 (4)","Schedule E - S-Corps 1&2","Schedule E - S-Corps 1&2 (2)","Schedule E - S-Corps 1&2 (3)","Schedule E - S-Corps 1&2 (4)","Assets","AssetData","Purchase","R&T Refinance","Cash-Out Refinance","Cash-Out Refinance Old","Data_FHA","Simple Refinance","Streamline Refinance","Res Inc Data","MCC Credit","Back-to-Work"],"not_rendered":{"charts":0,"images":8,"macros":1,"external_links":5,"defined_names":1225,"comments":0,"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":"Checklist","index":0,"n_rows":11,"n_cols":22,"rows_kept":11,"cut":false,"hidden":false,"merged":[[6,21,6,24],[12,21,12,24],[13,21,13,24],[14,21,14,24],[15,6,15,12],[15,21,15,24],[16,9,16,12],[6,6,6,12],[7,6,7,12],[8,6,8,12],[9,6,9,12],[10,6,10,12],[11,6,11,12],[12,6,12,12],[13,6,13,12],[14,6,14,12],[16,21,16,24],[22,16,22,19],[23,16,23,19],[22,21,22,24],[23,21,23,24],[17,21,17,24],[18,21,18,24],[19,21,19,24],[20,21,20,24],[21,21,21,24],[17,16,17,19],[18,16,18,19],[19,16,19,19],[20,16,20,19],[21,16,21,19]]}
[]
[]
[]
[]
[]
[null,null,null,"ENTER VALUES",null,null,null,null,null,null,null,null,null,null,null,"Done","Form",null,null,null,"Done","Form"]
[null,null,null,"Borrower Name"]
[null,null,null,"Borrower Employer"]
[null,null,null,"Co-Borrower Name"]
[null,null,null,"Co-Borrower Employer"]
[null,null,null,"Loan #"]

{"sheet":"203k (2)","index":1,"n_rows":81,"n_cols":37,"rows_kept":81,"cut":false,"hidden":true,"merged":[]}
[null,"Notes","PURPOSE:"]
["1003 (BOTH)",null,"Fico "]
["4506-T",null,"HELOC:"]
["ABAD",null,"HOI: ",{"$f":"B18/12","v":0}]
["#4021 APPRAISAL, all bids must be received PRIOR to appraisal ","“***AS IS VALUE IS NOT REQUIRED – RENO COORDINATOR TO ASSIST WITH APPRAISAL ORDER, MUST INCLUDE FINAL BID(S)***","Tax: ",{"$f":"B25/12","v":0}]
["1004D Final Condition"]
["AIR",null,"MI:  "]
["LIN",null,"Appraisal:"]
["Assets"]
["B1",null,"PAYSTUB 1"]
["B2",null,"PAYSTUB 2"]
["BCAC"]
["LSRM","YEAR BUILT: 1978-If prior to update 92900a","SELLER:"]
["CPL"]
["CR",null,"ASSETS:"]
["Inquires"]
["FLD"]
["HOI",null,"Ratios",null,"prev hous"]
["Intent",null,"Sub PITI"]
["NTB",null,"Lia"]
["PC:  FHA 203(k) Financing Provision must be included",null,"REO"]
["SSA",null,"Misc"]
["Itemiszation",null,"Total",{"$f":"SUM(D19:D22)","v":0}]
["Title"]
["Tax Cert",null,"Income:"]
["Tax tran",null,"Ratio",{"$f":"D23/D25*100","v":{"$error":"#DIV/0!"}}]
["EM"]
["SSN verified ",null,"Investor: "]
["Assumption"]
["Informed"]
["CAIVRS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"[3]LN!B3","v":0}]
["FHA Case # *when standard need consultant ID entered as well **needs to reflect standard or limited"]
["92900A"]
["92900B Import"]
["Real estate clause (no amdc)"]
["For your protection"]
["<78 LBP Protct fam lead"]
["203k Idenity of Interest"]
["Access Letter"]
["Lender to receive estimate CD for PROPERTY showing LENDER is paid in full and net proceeds of $XXX",null,"non structrural for limited  "]
["Paystub B1"]
["Paystub B2"]
["WVOE B1"]
["WVOE B2"]
["VVOE Previous B1"]
["VVOE Previous B2"]
[]
["NPS"]
["Citizenship"]
["Max DTI 55"]
["Gift letter"]
["Gift transfer"]
["Donor statemnt"]
["203(k) Initial Disbursement Request for Retailers, Suppliers and Vendors (Limited)",null,null,"Limited either 50% of bid or material costs at initial disbursement at close"]
["203(k) Important Notice  Regarding Contingency\nFunds on Renovation\nLoans",null,null,"all bids must be signed by each borrower and contractor"]
["203(k) Initial Disbursement Request\nfor Contractors\n(Limited)",null,null,"4 draws-gets consultant or total is over 35k"]
["203k Borrower Acknowledgment 92700-A (4053) ",null,null,"Reno Coordinator_PAM, she gets bids and makes sure correct"]
["203k Calculator print out @ CTC In FHAC",null,null,"CTC Checklist"]
["Mutli unit propeties: HUD 92561 Tranisent",null,1,"Investor (burning house match loan summary and loan decision)"]
["Contractor License & insurance  (as required by State or Local Municipality) #4055 COVERS LICENSE AND INSURANCE","***RENO COORDINATOR TO OBTAIN***",2,"If US bank have tax transcripts"]
["Contractor Work Estimate for Rehabilitation, Repairs and/or improvements #4051 *Limited only (Standard has consultant) ","THE WRITTEN PROPOSAL MUST INDICATE WORK ITEMS THAT REQUIRE PERMITS AND STATE THAT REPAIRS ARE NON-STRUCTURAL, CONTRACTOR TO SPECIFY INITIAL DISBURSEMENT REQUIREMENT ***RENO COORDINATOR TO OBTAIN***",3,"URLA: make sure taxes, HOI and HOA dues are updated correctly in escrow screen"]
["W9 from all contractorsIRS Must use the form with a Revision Date of November 2017. - #4054 ","***RENO COORDINATOR TO OBTAIN***",4,"Appraised value is updated correctly"]
["203(k) Homeowner/Contractor Agreement - #4052","***RENO COORDINATOR TO OBTAIN***",5,"Reflecting in a PUD if a PUD or attached home"]
["203(k) Contractor Profile – DEFAULT #4020",null,6,"Cashout or R/T shows correctly in Section II and on 1008"]
["THE WRITTEN PROPOSAL MUST INDICATE WORK ITEMS THAT REQUIRE PERMITS AND STATE THAT REPAIRS ARE NON-STRUCTURAL, CONTRACTOR TO SPECIFY INITIAL DISBURSEMENT REQUIREMENT ",null,7,"Homebuyer cert ULDD screen completed if CHFA"]
["1978 EPA certified for contractors",null,8,"Make sure all conditions are cleared"]
["Loan permit certification checklist **. ",null,9,"Complete Key dates "]
["Rehab Loan Agreement and loan Rider #4059 ",null,10,"Validations"]
["ESCROW OR CLOSING AGENT TO RETURN $TBD IN REHAB ESCROW FUNDS TO STEARNS LENDING ($TBD REPAIR FUNDS, $TBD CONTINGENCY RESERVE, $TBD DRAW INSPECTION FEE, $TBD TITLE UPDATE, $TBD 203K SUPPLEMENTAL ORIGINATION FEE)",null,11,"Run AUS"]
["HUD CONSULTANT REQUIREMENTS ",null,12,"Make sure LT matches AUS/1003"]
["Consultant's Specification of Repairs – DEFAULT ",null,13,"HUD 92900a Screen"]
["Consultant's Invoice ",null,14,"Print docs and file"]
["Consultant's Agreement with Allowable Fees"]
["Notice To Contractor\n203(k) Consultant's Identity-of-Interest Certification #4022\n"]
["IRS Form W-9: Must use the form with a Revision Date of November 2017 (4054) .","***RENO COORDINATOR TO OBTAIN***"]
["Draw Request ***RENO COORDINATOR TO OBTAIN"]
["Permits and/or Certifications Required"]
["(#4017) Provide a Work Write up and cost estimate from an FHA 203k consultant (**STANDARD or HOMESTYLE ONLY) ","*must contain: Consultant invoice, Specification of repairs, ID any permits/certification requirements,  Agreement with allowable fees"]
["All 203k Documents must: Addressed to all borrowers, References the property address,  Must be signed and dated by the Contractor(s) and Borrower(s), Must breakdown labor and materials,  Appliances/Windows/HVAC – must specify Brand, Model #’s, and number of windows, & Any flooring must specify square footage and type of flooring. "]
["UW to verify each Bids Math"]
["; \"; ","Detailed Contractor Work Estimate(s) reflecting all of the following:  contractor name and/or contractor company name; correct borrower name (estimate was completed for borrower on loan); correct subject property address; provides detailed description of work to be done (states in detail the nature and type of repairs that are acceptable for Limited 203k loan); provides brand names and model numbers of air conditioner, furnace, water heater, appliances, and windows to be replaced (if applicable); provides approximate square feet area of flooring to be repairs and/or replaced (if applicable); cannot reflect payment terms different than allowed by program (initial disbursement at closing equal to 50% of the total estimate, and remaining balance after satisfactory final inspection); cannot reflect that it will take more than 30 days to begin work; cannot reflect that it will take more than 6 months to complete work; must be signed and dated by contractor and borrower.  NOTE: If the appraisal reflects utilities off, a 15% contingency is required and total amount for repairs must be reduced to accommodate for the 15% contingency."]

{"sheet":"203k MATH","index":2,"n_rows":6,"n_cols":10,"rows_kept":6,"cut":false,"hidden":true,"merged":[]}
["Contractor","Profile form","Contractor agreement (form 2 pages)","Initial Disbursement request for Contractor","Permit","Bid","Insurance","License","w-9 (2017)","Condition for Initial disbursement Must read what has on the W-9"]
[null,null,null,null,null,null,null,null,null,"INITIAL DISBURSEMENT FOR $XXXX TO BE MADE PAYABLE TO BORROWERS AND W-9 listed."]
[]
[]
[]
[null,null,{"$f":"SUM(C2:C5)","v":0},{"$f":"SUM(D2:D5)","v":0},null,{"$f":"SUM(F2:F5)","v":0}]

{"sheet":"FHA","index":3,"n_rows":69,"n_cols":37,"rows_kept":69,"cut":false,"hidden":true,"merged":[]}
[null,"Notes","PURPOSE:"]
["1003 (BOTH)",null,"Fico "]
["4506-T",null,"HELOC:"]
["ABAD",null,"HOI: ",{"$f":"B17/12","v":0}]
["APPRAISAL",null,"Tax: ",{"$f":"B24/12","v":0}]
["AIR",null,"MI:  "]
["LIN",null,"Appraisal:"]
["Assets"]
["B1",null,"PAYSTUB 1"]
["B2",null,"PAYSTUB 2"]
["BCAC"]
["LSRM",null,"SELLER:"]
["CPL",null,1.47E-3]
["CR",null,"ASSETS:"]
["Inquires"]
["FLD"]
["HOI",null,"Ratios",null,"prev hous"]
["Intent",null,"Sub PITI"]
["NTB",null,"Lia"]
["PC",null,"REO"]
["SSA",null,"Misc"]
["Itemiszation",null,"Total",{"$f":"SUM(D18:D21)","v":0}]
["Title"]
["Tax Cert",null,"Income:"]
["Tax tran",null,"Ratio",{"$f":"D22/D24*100","v":{"$error":"#DIV/0!"}}]
["EM"]
["SSN verified ",null,"Investor: "]
["Assumption"]
["Informed"]
["CAIVRS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"[3]LN!B3","v":0}]
["FHA Case #"]
["92900A"]
["92900B Import"]
["AMDC embed"]
["For your protection"]
["<78 LBP Protct fam lead"]
["FHA ID Interest"]
["Access Letter"]
["Lender to receive estimate CD for PROPERTY showing LENDER is paid in full and net proceeds of $XXX"]
["Paystub B1"]
["Paystub B2"]
["WVOE B1"]
["WVOE B2"]
["VVOE Previous B1"]
["VVOE Previous B2"]
["NPS"]
["Citizenship"]
["Gift letter"]
["Gift transfer"]
["Donor statemnt"]
["Clear to close checklist "]
[]
[]
[]
[null,null,null,"CTC Checklist"]
[null,null,1,"Investor (burning house match loan summary and loan decision)"]
[null,null,2,"If US bank have tax transcripts"]
[null,null,3,"URLA: make sure taxes, HOI and HOA dues are updated correctly in escrow screen"]
[null,null,4,"Appraised value is updated correctly"]
[null,null,5,"Reflecting in a PUD if a PUD or attached home"]
[null,null,6,"Cashout or R/T shows correctly in Section II and on 1008"]
[null,null,7,"Homebuyer cert ULDD screen completed if CHFA"]
[null,null,8,"Make sure all conditions are cleared"]
[null,null,9,"Complete Key dates "]
[null,null,10,"Validations"]
[null,null,11,"Run AUS"]
[null,null,12,"Make sure LT matches AUS/1003"]
[null,null,13,"HUD 92900a Screen"]
[null,null,14,"Print docs and file"]

{"sheet":"Conv","index":4,"n_rows":55,"n_cols":37,"rows_kept":55,"cut":false,"hidden":true,"merged":[]}
[null,"Notes","PURPOSE:"]
["1003 (BOTH)",null,"Fico "]
["4506-T",null,"HELOC:"]
["ABAD",null,"HOI: ",{"$f":"B17/12","v":0}]
["APPRAISAL",null,"Tax: ",{"$f":"B24/12","v":0}]
["AIR",null,"MI:  "]
["LIN",null,"Appraisal:"]
["Assets"]
["B1",null,"PAYSTUB 1"]
["B2",null,"PAYSTUB 2"]
["BCAC"]
["LSRM",null,"SELLER:"]
["CPL"]
["CR",null,"ASSETS:"]
["Inquires"]
["FLD"]
["HOI",null,"Ratios",null,"Current"]
["Intent",null,"Sub PITI"]
["NTB",null,"Lia"]
["PC",null,"REO"]
["SSA",null,"Misc"]
["Itemization",null,"Total",{"$f":"SUM(D18:D21)","v":0}]
["Title"]
["Tax Cert",null,"Income:"]
["Tax tran",null,"Ratio",{"$f":"D22/D24*100","v":{"$error":"#DIV/0!"}}]
["EM"]
["NPS Bw tab",null,"Investor: "]
["Citizenship"]
["Paystub/WVOE"]
["REO",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"[4]LN!B3","v":0}]
[]
[]
[]
[]
[]
[]
[]
[]
["Lender to receive estimate CD for PROPERTY ADDRESS  showing LENDER is paid in full and net proceeds of $XXXX   "]
["Notes"]
[]
[null,null,null,"CTC Checklist"]
[null,null,1,"Investor (burning house match loan summary and loan decision)"]
[null,null,2,"If have Tax returns in file have tax transcripts"]
[null,null,3,"URLA: make sure taxes, HOI and HOA dues are updated correctly in escrow screen"]
[null,null,4,"Appraised value is updated correctly"]
[null,null,5,"Reflecting in a PUD if a PUD or attached home"]
[null,null,6,"Cashout or R/T shows correctly in Section II and on 1008"]
[null,null,7,"Homebuyer cert ULDD screen completed"]
[null,null,8,"Make sure all conditions are cleared"]
[null,null,9,"Complete Key dates "]
[null,null,10,"Validations"]
[null,null,11,"Run AUS"]
[null,null,12,"Run Early check"]
[null,null,13,"Print docs and file"]

{"sheet":"CHFA","index":5,"n_rows":65,"n_cols":37,"rows_kept":65,"cut":false,"hidden":true,"merged":[]}
[null,"Notes","PURPOSE:"]
["1003 (BOTH)",null,"Fico "]
["4506-T",null,"HELOC:"]
["ABAD",null,"HOI: ",{"$f":"B17/12","v":0}]
["APPRAISAL",null,"Tax: ",{"$f":"B24/12","v":0}]
["AIR",null,"MI:  "]
["LIN",null,"Appraisal:"]
["Assets"]
["B1",null,"PAYSTUB 1"]
["B2",null,"PAYSTUB 2"]
["BCAC"]
["LSRM",null,"SELLER:"]
["CPL"]
["CR",null,"ASSETS:"]
["Inquires"]
["FLD"]
["HOI",null,"Ratios",null,"Current"]
["Intent",null,"Sub PITI"]
["NTB",null,"Lia"]
["PC",null,"REO"]
["SSA",null,"Misc"]
["Itemiszation",null,"Total",{"$f":"SUM(D18:D21)","v":0}]
["Title"]
["Tax Cert",null,"Income:"]
["Tax tran",null,"Ratio",{"$f":"D22/D24*100","v":{"$error":"#DIV/0!"}}]
["EM"]
["SSN verified ",null,"Investor: "]
["Assumption"]
["Informed"]
["CAIVRS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"[3]LN!B3","v":0}]
["FHA Case #"]
["92900A"]
["92900B Import"]
["AMDC embed"]
["For your protection"]
["<78 LBP Protct fam lead"]
["FHA ID Interest"]
["Access Letter"]
["Paystub"]
["WVOE B1"]
["WVOE B2"]
["Paystub B2"]
["CHFA Homebuyer education is required for all borrowers and co-borrowers"]
["CHFA APPROVAL "]
["Income Limit"]
["Minimum borrower investment: $1,000 for all programs (may be a gift)",null,null,"Must have tax transcripts regardless of investor"]
["Funding: All borrowers to sign CHFA form 504/367/etc  and date.  (make sure all borrowers on the the letter)"]
["Double check  amount on CHFA approval letter to  section II of 1003 (Non 2nds check asset screen) and LT"]
["EIN for gift/secondary 840676451 "]
["Ratios/Credit score if over 50 Exception"]
["Citizenship",null,null,"CTC Checklist"]
[null,null,1,"Investor (burning house match loan summary and loan decision)"]
[null,null,2,"URLA: make sure taxes, HOI and HOA dues are updated correctly in escrow screen"]
[null,null,3,"Appraised value is updated correctly"]
[null,null,4,"Reflecting in a PUD if a PUD or attached home"]
[null,null,5,"Cashout or R/T shows correctly in Section II and on 1008"]
[null,null,6,"Homebuyer cert ULDD screen completed if CHFA"]
[null,null,7,"Make sure all conditions are cleared"]
[null,null,8,"CCDE"]
[null,null,9,"Complete Key dates "]
[null,null,10,"Validations"]
[null,null,11,"Run AUS"]
[null,null,12,"LT matches AUS/1003"]
[null,null,13,"HUD 92900a Screen"]
[null,null,14,"Print docs and file"]

{"sheet":"203k","index":6,"n_rows":78,"n_cols":37,"rows_kept":78,"cut":false,"hidden":true,"merged":[]}
[null,"Notes","PURPOSE:"]
["1003 (BOTH)",null,"Fico "]
["4506-T",null,"HELOC:"]
["ABAD",null,"HOI: ",{"$f":"B17/12","v":0}]
["#4021 APPRAISAL, all bids must be received PRIOR to appraisal ","“***AS IS VALUE IS NOT REQUIRED – RENO COORDINATOR TO ASSIST WITH APPRAISAL ORDER, MUST INCLUDE FINAL BID(S)***","Tax: ",{"$f":"B24/12","v":0}]
["AIR",null,"MI:  "]
["LIN",null,"Appraisal:"]
["Assets"]
["B1",null,"PAYSTUB 1"]
["B2",null,"PAYSTUB 2"]
["BCAC"]
["LSRM","YEAR BUILT: 1978-If prior to update 92900a","SELLER:"]
["CPL"]
["CR",null,"ASSETS:"]
["Inquires"]
["FLD"]
["HOI",null,"Ratios",null,"prev hous"]
["Intent",null,"Sub PITI"]
["NTB",null,"Lia"]
["PC:  FHA 203(k) Financing Provision must be included",null,"REO"]
["SSA",null,"Misc"]
["Itemiszation",null,"Total",{"$f":"SUM(D18:D21)","v":0}]
["Title"]
["Tax Cert",null,"Income:"]
["Tax tran",null,"Ratio",{"$f":"D22/D24*100","v":{"$error":"#DIV/0!"}}]
["EM"]
["SSN verified ",null,"Investor: "]
["Assumption"]
["Informed"]
["CAIVRS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"[3]LN!B3","v":0}]
["FHA Case # *when standard need consultant ID entered as well **needs to reflect standard or limited"]
["92900A"]
["92900B Import"]
["Real estate clause (no amdc)"]
["For your protection"]
["<78 LBP Protct fam lead"]
["203k Idenity of Interest"]
["Access Letter"]
["Lender to receive estimate CD for PROPERTY showing LENDER is paid in full and net proceeds of $XXX",null,"non structrural for limited  "]
["Paystub B1"]
["Paystub B2"]
["WVOE B1"]
["WVOE B2"]
["NPS"]
["Citizenship"]
["Max DTI 55"]
["Gift letter"]
["Gift transfer"]
["Donor statemnt"]
["203(k) Initial Disbursement Request for Retailers, Suppliers and Vendors (Limited)",null,null,"Limited either 50% of bid or material costs at initial disbursement at close"]
["203(k) Important Notice  Regarding Contingency\nFunds on Renovation\nLoans",null,null,"all bids must be signed by each borrower and contractor"]
["203(k) Initial Disbursement Request\nfor Contractors\n(Limited)",null,null,"4 draws-gets consultant or total is over 35k"]
["203(k) Homeowner/\nContractor Agreement",null,null,"Reno Coordinator_PAM, she gets bids and makes sure correct"]
["203k Borrower Acknowledgment 92700-A (4053) ",null,null,"CTC Checklist"]
["203k Calculator print out @ CTC In FHAC",null,1,"Investor (burning house match loan summary and loan decision)"]
["HUD 92561 Tranisent",null,2,"If US bank have tax transcripts"]
["Contractor License & insurance  (as required by State or Local Municipality) #4055 COVERS LICENSE AND INSURANCE","***RENO COORDINATOR TO OBTAIN***",3,"URLA: make sure taxes, HOI and HOA dues are updated correctly in escrow screen"]
["Contractor Work Estimate for Rehabilitation, Repairs and/or improvements #4051 *Limited only (Standard has consultant) ","THE WRITTEN PROPOSAL MUST INDICATE WORK ITEMS THAT REQUIRE PERMITS AND STATE THAT REPAIRS ARE NON-STRUCTURAL, CONTRACTOR TO SPECIFY INITIAL DISBURSEMENT REQUIREMENT ***RENO COORDINATOR TO OBTAIN***",4,"Appraised value is updated correctly"]
["W9 from all contractorsIRS Must use the form with a Revision Date of November 2017. - #4054 ","***RENO COORDINATOR TO OBTAIN***",5,"Reflecting in a PUD if a PUD or attached home"]
["203(k) Homeowner/Contractor Agreement - #4052","***RENO COORDINATOR TO OBTAIN***",6,"Cashout or R/T shows correctly in Section II and on 1008"]
["203(k) Contractor Profile – DEFAULT #4020",null,7,"Homebuyer cert ULDD screen completed if CHFA"]
["THE WRITTEN PROPOSAL MUST INDICATE WORK ITEMS THAT REQUIRE PERMITS AND STATE THAT REPAIRS ARE NON-STRUCTURAL, CONTRACTOR TO SPECIFY INITIAL DISBURSEMENT REQUIREMENT ",null,8,"Make sure all conditions are cleared"]
["1978 EPA certified for contractors",null,9,"Complete Key dates "]
["Loan permit certification checklist **. ",null,10,"Validations"]
["Rehab Loan Agreement and loan Rider #4059 ",null,11,"Run AUS"]
["ESCROW OR CLOSING AGENT TO RETURN $TBD IN REHAB ESCROW FUNDS TO STEARNS LENDING ($TBD REPAIR FUNDS, $TBD CONTINGENCY RESERVE, $TBD DRAW INSPECTION FEE, $TBD TITLE UPDATE, $TBD 203K SUPPLEMENTAL ORIGINATION FEE)",null,12,"Make sure LT matches AUS/1003"]
["HUD CONSULTANT REQUIREMENTS ",null,13,"HUD 92900a Screen"]
["Consultant's Specification of Repairs – DEFAULT ",null,14,"Print docs and file"]
["Consultant's Invoice "]
["Consultant's Agreement with Allowable Fees"]
["Notice To Contractor\n203(k) Consultant's Identity-of-Interest Certification\n"]
["IRS Form W-9: Must use the form with a Revision Date of November 2017 (4054) .","***RENO COORDINATOR TO OBTAIN***"]
["Draw Request ***RENO COORDINATOR TO OBTAIN"]
["Permits and/or Certifications Required"]
["(#4017) Provide a Work Write up and cost estimate from an FHA 203k consultant (**STANDARD or HOMESTYLE ONLY) "]
["All 203k Documents must: Addressed to all borrowers, References the property address,  Must be signed and dated by the Contractor(s) and Borrower(s), Must breakdown labor and materials,  Appliances/Windows/HVAC – must specify Brand, Model #’s, and number of windows, & Any flooring must specify square footage and type of flooring. "]
["UW to verify each Bids Math"]
["; \"; ","Detailed Contractor Work Estimate(s) reflecting all of the following:  contractor name and/or contractor company name; correct borrower name (estimate was completed for borrower on loan); correct subject property address; provides detailed description of work to be done (states in detail the nature and type of repairs that are acceptable for Limited 203k loan); provides brand names and model numbers of air conditioner, furnace, water heater, appliances, and windows to be replaced (if applicable); provides approximate square feet area of flooring to be repairs and/or replaced (if applicable); cannot reflect payment terms different than allowed by program (initial disbursement at closing equal to 50% of the total estimate, and remaining balance after satisfactory final inspection); cannot reflect that it will take more than 30 days to begin work; cannot reflect that it will take more than 6 months to complete work; must be signed and dated by contractor and borrower.  NOTE: If the appraisal reflects utilities off, a 15% contingency is required and total amount for repairs must be reduced to accommodate for the 15% contingency."]

{"sheet":"HOMESTYLE","index":7,"n_rows":59,"n_cols":37,"rows_kept":59,"cut":false,"hidden":true,"merged":[]}
[null,"Notes","PURPOSE:"]
["1003 (BOTH)",null,"Fico "]
["4506-T",null,"HELOC:"]
["ABAD",null,"HOI: ",{"$f":"B17/12","v":0}]
["APPRAISAL",null,"Tax: ",{"$f":"B24/12","v":0}]
["AIR",null,"MI:  "]
["LIN",null,"Appraisal:"]
["Assets"]
["B1",null,"PAYSTUB 1"]
["B2",null,"PAYSTUB 2"]
["BCAC"]
["LSRM",null,"SELLER:"]
["CPL"]
["CR",null,"ASSETS:"]
["Inquires"]
["FLD"]
["HOI",null,"Ratios",null,"Current"]
["Intent",null,"Sub PITI"]
["NTB",null,"Lia"]
["PC",null,"REO"]
["SSA",null,"Misc"]
["Itemization",null,"Total",{"$f":"SUM(D18:D21)","v":0}]
["Title"]
["Tax Cert",null,"Income:"]
["Tax tran",null,"Ratio",{"$f":"D22/D24*100","v":{"$error":"#DIV/0!"}}]
["EM"]
["NPS Bw tab",null,"Investor: "]
["Citizenship"]
["Paystub/WVOE"]
["Lender to receive estimate CD for PROPERTY ADDRESS  showing LENDER is paid in full and net proceeds of $XXXX   ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"[4]LN!B3","v":0}]
["1004D and COO if required by county"]
["FNMA HOMESTYLE MMW 1035"]
["FNMA 1204 HOMESTYLE RENOVATION CONSUMER TIPS"]
["HOMESTYLE Bw acknowledge Form 2600"]
["CONTRACTOR LICENSE",null,"*Reno coord to get"]
["CONTRACTOR INSURANCE",null,"*Reno coord to get"]
["CONTRACTOR W9 ",null,"*Reno coord to get","Gift on Primary 1 unit can be all Gift, 2-4 unit or 1 unit 2nd home must make 5% DP"]
["CONTRACTOR BID",null,null,"Min 620 fico"]
["Homestyle Homeowner/Construction Loan agreement: Form 3731 or 3735 or 3730 or 3734",null,null,"SFC 215 and 001"]
["FNMA 1202 CONTRACTOR PROFILE (Land Gorilla Questionnaire)",null,null,"No Manual UW"]
["HOMESTYLE IMPORTANT NOTICE REGARDING CONTINGENCY FUNDS",null,"*Reno coord to get","NO Non occupying coborrowers "]
["REHAB LOAN PERMIT CERTIFICATION",null,"*Reno coord to get","Investor (burning house match loan summary and loan decision)"]
["REHAB LOAN NOTICE TO CONTRACTOR ",null,"*Reno coord to get","If have Tax returns in file have tax transcripts"]
[null,null,3,"URLA: make sure taxes, HOI and HOA dues are updated correctly in escrow screen"]
["1. ESCROW OR CLOSING AGENT TO RETURN $31,383.50 IN REHAB ESCROW FUNDS TO HOME MORTGAGE ALLIANCE, LLC\n($27,018.00 REPAIR FUNDS, $3525.50 CONTINGENCY RESERVE, $645.00 DRAW INSPECTION FEE, $195.00 TITLE UPDATE FEE {renovation} )\n\n2. ESCROW/CLOSING  AGENT TO MAKE A CHECK PAYABLE TO JEREMIAH GREENFIELD & BARTH CONSTRUCTION, INC (Two Party Check) IN THE AMOUNT OF $8237.00 (Initial disbursement of repair funds), RETURN A COPY OF THE CHECK WITH OUR CLOSING PACKAGE TO HOME MORTGAGE ALLIANCE, LLC\n\n3. ESCROW/CLOSING  AGENT TO MAKE A CHECK PAYABLE TO JEREMIAH GREENFIELD & BARTH CONSTRUCTION, INC (Two Party Check) IN THE AMOUNT OF $1000.00  (permit fee), RETURN A COPY OF THE CHECK WITH OUR CLOSING PACKAGE TO HOME MORTGAGE ALLIANCE, LLC\n",null,4,"Appraised value is updated correctly"]
["HUD CONSULTANT REQUIREMENTS - CONDITIONS",null,5,"Reflecting in a PUD if a PUD or attached home"]
["CONSULTANT'S SPECIFICATION OF REPAIRS – DEFAULT ",null,6,"Cashout or R/T shows correctly in Section II and on 1008"]
["CONSULTANT'S AGREEMENT WITH ALLOWABLE FEES",null,7,"Homebuyer cert ULDD screen completed"]
["IRS FORM W-9: MUST USE THE FORM WITH A REVISION DATE OF DECEMBER 2014.",null,8,"Make sure all conditions are cleared"]
["DRAW REQUEST up to 50% of bid can be given at initial",null,9,"Complete Key dates "]
["PERMITS AND/OR CERTIFICATIONS REQUIRED",null,10,"Validations"]
[null,null,11,"Run AUS"]
[null,null,12,"Run Early check"]
[null,null,13,"Print docs and file"]
[]
[]
[]
[null,null,"The cost of renovations is limited to 75% of the lesser of the acquisition plus renovation\ncosts or the “as completed” appraised value of the property."]
[null,null,"HUD consultant must be used on all renovation exceeding $35,000 or any structural\nrepairs"]

{"sheet":"Doc Cal","index":8,"n_rows":27,"n_cols":5,"rows_kept":27,"cut":false,"hidden":true,"merged":[[0,0,0,4],[1,0,1,4],[3,0,3,4],[9,0,9,4],[20,0,20,4]]}
["DOCUMENT EXPIRATION WORKSHEET"]
["This document does not dictate what the acceptable document expiraiton period is.  The Underwriter is responsible to ensure the appropriate loan program guidelines are being followed and ensure the appropriate Credit Doc Expiration Date is utilized in their decision information."]
["Document","Doc\nDate","Doc Exp - 120 days","Doc Exp \n- 90 Days","Doc Exp\n - 180 Days"]
["Credit Report"]
[null,null,{"$f":"B5+120","v":"1900-04-29"},{"$f":"B5+90","v":"1900-03-30"},{"$f":"B5+120","v":"1900-04-29"}]
[null,null,{"$f":"B6+120","v":"1900-04-29"},{"$f":"B6+90","v":"1900-03-30"},{"$f":"B6+180","v":"1900-06-28"}]
[null,null,{"$f":"B7+120","v":"1900-04-29"}]
[null,null,{"$f":"B8+120","v":"1900-04-29"}]
[null,null,{"$f":"B9+120","v":"1900-04-29"}]
["Income"]
["Borrower1 paystub",null,{"$f":"B11+120","v":"1900-04-29"}]
["Co-Borrower1 pay",null,{"$f":"B12+120","v":"1900-04-29"}]
["Borrower2 paystub",null,{"$f":"B13+120","v":"1900-04-29"}]
["Co-Borrower2 pay",null,{"$f":"B14+120","v":"1900-04-29"}]
[]
["VVOE Expirations Dates",null,"10Days","30Days"]
["B1: VOE (Verbal or full)",null,{"$f":"B17+10","v":"1900-01-10"},{"$f":"B17+30","v":"1900-01-30"}]
["CB1: VOE (Verbal or full)",null,{"$f":"B18+10","v":"1900-01-10"},{"$f":"B18+30","v":"1900-01-30"}]
["B2: VOE (Verbal or full)",null,{"$f":"B19+10","v":"1900-01-10"},{"$f":"B19+30","v":"1900-01-30"}]
["CB2: VOE (Verbal or full)",null,{"$f":"B20+10","v":"1900-01-10"},{"$f":"B20+30","v":"1900-01-30"}]
["Asset Statements"]
[null,null,{"$f":"B22+120","v":"1900-04-29"}]
[null,null,"1900-04-29"]
[null,null,"1900-04-29"]
[null,null,"1900-04-29"]
[null,null,"1900-04-29"]
[null,null,"1900-04-29"]

{"sheet":"LDPGSA","index":9,"n_rows":45,"n_cols":6,"rows_kept":45,"cut":false,"hidden":true,"merged":[]}
[null,"Borrower 1","LDP/GSA",null,"Borrower 2"]
["Credit Docs","First Name","Last Name",null,"First Name","Last Name"]
["Credit Report"]
[]
[]
[]
[]
[]
["Drivers License"]
["Social Security Card"]
["Divorce Decree"]
["Court Docs"]
["Bankruptcy Docs"]
["Application"]
["Income Docs"]
["Paystub"]
["W2's B1"]
["1099's"]
["4506T Results"]
["Tax Returns"]
["SSI/Pension"]
["Asset Docs"]
["Bank Statements"]
["401k"]
["Gift"]
["Stock"]
["Sale of Home (EOS)"]
["Property"]
["Purchase Contract"]
["Appraisal"]
["Title"]
["HOI"]
["AMDC"]
[]
["Title Closer"]
["Appraiser"]
["UW"]
["Processor"]
["FHA connection"]
[]
["Listine Agent"]
["Selling Agent"]
["LO"]
["Seller"]
["Seller/Builder"]

{"sheet":"Conditions","index":10,"n_rows":41,"n_cols":3,"rows_kept":41,"cut":false,"hidden":true,"merged":[]}
[null,"MAN","Lock in Disclosure"]
[null,"CONV disclosures","Customer and Loan Officer to sign and date:  Lock In Disclosure,   4506T,Borrower authorization, Referral ABAD, Itemization of Amount Financed, CO disclosures"]
[]
[null,"VA disclosures","Customer to sign and date the following disclosures: CO Tangible Net Benefit Disclosure, CO lock in disclosure, Notice of Intent to Proceed, IRS Form 4506-T, Initial Truth-in- Lending /Truth-in-Terms and Definitions/Itemization of Amount Financed, Good Faith Estimate, SSA-89 form (Social Security Number Verification), Buyer’s Certification and Authorization, VA- 1802A, Addendum to the Uniform Residential Loan Application, VA- Debt Questionnaire, VA- Request for Cert of Eligibility for VA Home, VA- Verification of VA Benefit-Related Indebtedness, VA- Counseling Checklist for Military Homebuyers, VA- Federal Collection Policy Notice and the 1003. \n**Loan officers to sign and date: Itemization of Amount Financed"]
[null,"FHA DISCLOSURES (ALL TOGETHER)","CUSTOMER TO SIGN AND DATE FOLLOWING DISCLOSURES:  itemization of amount financed,lock in disclosure,  IRS form 4506T, Buyer's Certification & Authorization,  , FHA Informed Consumer Choice Disclosure,   FHA Identity of Interest Certification,  FHA Notice to Homeowners-Assumption of FHA Mortgages"]
[]
[]
[null,"MAN","Customers to provide verification of name and date of birth"]
[]
[]
[null,"EOS","Lender to receive estimate CD for PROPERTY ADDRESS  showing LENDER is paid in full and net proceeds of $XXXX   "]
[]
[]
[null,null,"FHA approved Condo"]
[null,null,"UW to complete Condo Cert (FHA)"]
[null,null,"Current Note or mortgage statement to verify loan is a benefit (refinance)"]
[null,null,"PROVIDE HUD-1 FROM PURCHASE TO VERIFY 2ND WITH _____ WAS A PURCHASE MONEY SECOND. "]
[]
[]
[]
[null,null,"NPS"]
[null,"A","Lender to receive fully executed final HUD1 for PROPERTY ADDRESS  showing LENDER is paid in full and net proceeds of $XXXX"]
[null,"MAN","Seller to check counter offer box and initial.  "]
[]
[]
[null,"MAN","CHFA Approval"]
[]
[]
["Simo loans","MAN","need to mark current loans installments, excluded then put in new loan with new payment (orijin update)"]
["Simo loans","MAN","******To close simotaneously with loans along with copies of the HUD, NOTE and DEED of TRUST for each: LiST LOAN NUMBER"]
["Simo loans","MAN","First payment letter and impound worksheet (in ALL in print docs) to be ran and system updated in REO with refinanced properties  with final PITI amounts. "]
[]
[]
[]
[null,"1031 Exchange","QI PACKET: \n1. Identify this is part of a 1031 exchange\n2. On letterhead, letter from QI detailing funds available after any fees have been paid that can be used for closing.\n3. QI contract\n4. ID new property\n5. ID property disposing"]
[]
[null,"Solar panel","1.     Lease or PC for Solar panel"]
[null,"Solar panel","2.     Must qualify with lease payment unless payment is calculated by energy produced and used, or lease provides delivery of a specified amount of energy at a fixed payment during a given period, and Includes a production guarantee that compensates the borrower, on a prorated basis, in the event that the solar panels fail to meet the minimum energy output specified in the lease for that period"]
[null,"Solar panel","3.     Agreement must show In agreement or put on a letter on letterhead:  1. Solar company is responsible for damage that occurs as a result of installation, malfunction and or removal of panels. 2. Must repair damage and return the improvements to their original and pre-installation condition (sound watertight) 3. No named as a loss payee on property insurance (Solar company to provide their master insurance) 4. In event of foreclosure, lender can terminate the lease and solar company will remove the equipment or become the beneficiary of the borrower's lease/agreement without charge Or the lender having the ability to enter into a new lease/agreement with no favorable than the prior owner. "]
[null,null,"4.     Confirm with title Solar panels will remain in the 2nd lien position"]
[null,null,"5. Appraiser to add a comment if home is connected to traditional utilities"]

{"sheet":"VA Recoupment Calcs","index":11,"n_rows":93,"n_cols":127,"rows_kept":93,"cut":false,"hidden":true,"merged":[[31,2,31,55],[23,2,23,54],[22,2,22,54],[24,3,24,54],[12,29,12,41],[12,42,12,54],[9,3,9,28],[9,29,9,41],[9,42,9,54],[26,2,26,55],[27,2,27,55],[28,2,28,55],[29,2,29,55],[25,2,25,55],[21,2,21,6],[21,7,21,55],[18,2,18,54],[19,2,19,54],[20,2,20,54],[4,2,4,55],[5,2,5,55],[6,2,6,55],[7,3,7,54],[8,3,8,28],[8,29,8,41],[8,42,8,54],[1,1,1,56],[2,2,2,55],[3,2,3,10],[3,11,3,33],[3,34,3,36],[3,37,3,44],[3,45,3,55],[37,2,37,55],[38,2,38,55],[39,2,39,55],[10,3,10,28],[10,29,10,41],[10,42,10,54],[15,3,15,28],[15,29,15,41],[15,42,15,54],[16,3,16,41],[16,42,16,54],[17,3,17,54],[13,3,13,28],[13,29,13,41],[13,42,13,54],[14,3,14,28],[14,29,14,41],[14,42,14,54],[11,3,11,28],[11,29,11,41],[11,42,11,54],[12,3,12,28],[32,2,32,55],[30,2,30,55],[44,23,44,28],[44,50,44,55],[45,23,45,28],[45,50,45,55],[41,2,41,3],[43,23,43,28],[43,50,43,55],[42,23,42,28],[42,50,42,55],[48,23,48,28],[48,50,48,55],[49,4,49,21],[49,23,49,28],[49,50,49,55],[46,23,46,28],[46,50,46,55],[47,23,47,28],[47,50,47,55],[52,50,52,55],[53,4,53,21],[53,23,53,28],[53,31,53,48],[53,50,53,55],[50,4,50,21],[50,23,50,28],[50,50,50,55],[51,23,51,28],[51,50,51,55],[51,4,51,21],[52,4,52,28],[56,50,56,55],[57,4,57,21],[57,23,57,28],[54,4,54,21],[54,23,54,28],[55,4,55,21],[55,23,55,28],[55,31,55,48],[55,50,55,55],[57,31,57,55],[54,31,54,55],[60,4,60,21],[60,23,60,28],[60,50,60,55],[62,4,62,45],[62,47,62,55],[58,4,58,21],[58,23,58,28],[58,31,58,48],[58,50,58,55],[59,4,59,21],[59,23,59,28],[59,31,59,48],[59,50,59,55],[60,31,60,48],[65,2,65,3],[65,4,65,45],[65,47,65,55],[66,2,66,3],[66,4,66,45],[66,47,66,55],[63,2,63,3],[63,4,63,45],[63,47,63,55],[64,2,64,3],[64,4,64,45],[64,47,64,55],[72,2,72,3],[72,4,72,45],[72,47,72,55],[73,2,73,3],[73,4,73,45],[73,47,73,55],[67,2,67,55],[68,2,68,55],[69,2,69,55],[71,2,71,3],[71,4,71,45],[71,47,71,55],[33,2,33,55],[34,2,34,55],[35,2,35,55],[36,2,36,55],[96,1,96,54],[90,2,90,55],[91,2,91,55],[92,2,92,55],[93,1,93,54],[94,1,94,54],[95,1,95,54],[82,2,82,55],[83,2,83,55],[87,2,87,55],[88,1,88,53],[89,2,89,55],[75,2,75,55],[76,2,76,55],[77,2,77,55],[78,2,78,55],[79,2,79,55],[81,2,81,3],[81,4,81,45],[81,47,81,55],[63,64,63,74],[43,83,43,100],[43,102,43,107],[43,110,43,127],[44,83,44,100],[44,102,44,107],[44,110,44,127],[45,83,45,100],[45,102,45,107],[45,110,45,127],[46,83,46,100],[46,102,46,107],[46,110,46,127],[47,83,47,100],[47,102,47,107],[47,110,47,127],[48,83,48,100],[48,102,48,107],[48,110,48,127],[49,83,49,100],[49,102,49,107],[49,110,49,127],[50,83,50,100],[50,102,50,107],[60,83,60,100],[60,102,60,107],[60,110,60,113],[60,114,60,127],[55,83,55,100],[55,102,55,107],[55,110,55,127],[56,83,56,100],[56,102,56,107],[56,110,56,127],[57,83,57,100],[57,102,57,107],[57,110,57,127],[40,31,40,55],[40,4,40,29],[41,23,41,28],[41,50,41,55],[48,4,48,21],[58,83,58,100],[58,102,58,107],[58,110,58,127],[59,83,59,100],[59,102,59,107],[59,110,59,127],[50,110,50,127],[52,83,52,100],[52,102,52,107],[52,110,52,127],[53,83,53,100],[53,102,53,107],[53,110,53,127],[54,83,54,100],[54,102,54,107],[54,110,54,127],[56,4,56,21],[56,23,56,28],[56,31,56,48]]}
[]
[null,"VA Recoupment Worksheet"]
[]
[null,null,"Veteran's Name",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,null,null,null,null,null,null,"Loan Number"]
[]
[]
[null,null,"Step 1:  Current Loan and Proposed Loan Data"]
[]
[null,null,null,"Loan Information",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,"Existing Loan",null,null,null,null,null,null,null,null,null,null,null,null,"Proposed Loan"]
[null,null,null," VA Loan Number"]
[null,null,null," Date of Origination"]
[null,null,null," Loan Type",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,"Select Option",null,null,null,null,null,null,null,null,null,null,null,null,"Select Option"]
[null,null,null," Total Loan Amount"]
[null,null,null," Interest 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,{"$f":"'VA Recoupment Calcs'!AQ10","v":0}]
[null,null,null," Loan Term (Months)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,360,null,null,null,null,null,null,null,null,null,null,null,null,360]
[null,null,null," Monthly Principal & Interest Payment",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(AD13=\"\",AD14=\"\",AD15=\"\"),\"\",ABS(PMT(AD14/12,AD15,AD13)))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(AQ13=\"\",AQ14=\"\",AQ15=\"\"),\"\",ABS(PMT(AQ14/12,AQ15,AQ13)))","v":""}]
[null,null,null," New Loan includes funds for Energy Efficiency Improvements",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[]
[null,null,"Maximum Loan Term The maximum loan term is the original term of the VA loan being "]
[null,null,"refinanced plus 10 years, but not to exceed 30 years and 32 days. For example, if the old loan "]
[null,null,"was made with a 15-year term, the term of the new loan cannot exceed 25 years."]
[null,null,{"$f":"+IF(Data_VA!D3464=\"Warning 1\",Data_VA!G3450,IF(Data_VA!D3464=\"Warning 2\",Data_VA!G3454,\"\"))","v":""},null,null,null,null,{"$f":"+IF(Data_VA!D3464=\"Warning 1\",Data_VA!H3450,IF(Data_VA!D3464=\"Warning 2\",Data_VA!H3454,\"\"))","v":""}]
[null,null,{"$f":"+IF(OR(Data_VA!C3465=\"Warning 1\",Data_VA!E3464=\"Warning 1\"),Data_VA!G3451,IF(Data_VA!C3465=\"Warning 2\",Data_VA!G3455,\"\"))","v":""}]
[null,null,{"$f":"+IF(OR(Data_VA!C3465=\"Warning 1\",Data_VA!E3464=\"Warning 1\"),Data_VA!G3452,IF(Data_VA!C3465=\"Warning 2\",Data_VA!G3456,\"\"))","v":""}]
[null,null,null,{"$f":"+IF(OR(Data_VA!C3465=\"Warning 1\",Data_VA!E3464=\"Warning 1\"),Data_VA!G3453,IF(Data_VA!C3465=\"Warning 2\",Data_VA!G3457,\"\"))","v":""}]
[null,null,{"$f":"+IF(AND($AD$12=\"Fixed Rate\",$AQ$12=\"ARM\"),Data_VA!G3458,\"\")","v":""}]
[null,null,{"$f":"+IF(AND($AD$12=\"Fixed Rate\",$AQ$12=\"ARM\"),Data_VA!G3459,\"\")","v":""}]
[null,null,{"$f":"+IF(AND($AD$12=\"Fixed Rate\",$AQ$12=\"ARM\"),Data_VA!G3460,\"\")","v":""}]
[null,null,{"$f":"+IF(AND($AD$12=\"Fixed Rate\",$AQ$12=\"ARM\"),Data_VA!G3461,\"\")","v":""}]
[null,null,{"$f":"+IF(AND($AD$12=\"Fixed Rate\",$AQ$12=\"ARM\"),Data_VA!G3462,\"\")","v":""}]
[null,null,{"$f":"+IF(AND($AD$12=\"Fixed Rate\",$AQ$12=\"ARM\"),Data_VA!G3463,\"\")","v":""}]
[null,null,{"$f":"+IF(AND($AD$12=\"Fixed Rate\",$AQ$12=\"ARM\"),Data_VA!G3464,\"\")","v":""}]
[null,null,{"$f":"+IF(AND($AD$12=\"Fixed Rate\",$AQ$12=\"ARM\"),Data_VA!G3465,\"\")","v":""}]
[null,null,{"$f":"+IF(AND($AD$12=\"Fixed Rate\",$AQ$12=\"ARM\"),Data_VA!G3466,\"\")","v":""}]
[null,null,{"$f":"+IF(AND($AD$12=\"Fixed Rate\",$AQ$12=\"ARM\"),Data_VA!G3467,\"\")","v":""}]
[null,null,{"$f":"+IF(AND($AD$12=\"Fixed Rate\",$AQ$12=\"ARM\"),Data_VA!G3468,\"\")","v":""}]
[null,null,{"$f":"+IF(AND($AD$12=\"Fixed Rate\",$AQ$12=\"ARM\"),Data_VA!G3469,\"\")","v":""}]
[]
[]
[null,null,"Step 2:  Cost of the new loan"]
[null,null,null,null,"A. Origination Charges:",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,"C. Sevices You Can Shop For:"]
[null,null,null,null,"Adminsitration Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,"Pest Inspection",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,"Application Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,"Survey Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,"Borrower paid Broker Comp",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,"Title - Attorney Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,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,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,null,null,null,"1121.  Title - Wire Fee"]
[null,null,null,null,"Charge (Discount) for Rate Chosen",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,"Title - Closing Protection Letter Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,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,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,null,null,null,"1123.  Title - Tax Certificate"]
[null,null,null,null,"Origination Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,"Title - Commitment Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,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,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,null,null,null,"1127.  Title - Electronic Filing Fee"]
[null,null,null,null,"Processing Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,"Title - Endorsements Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,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,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,null,null,null,"1128.  Title - Electronic Document"]
[null,null,null,null,"Underwriting Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,"Title - Examination Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,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,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,null,null,null,"1129.  Title - Endorsements"]
[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,null,null,null,"Title - Lender's Title Ins Policy",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,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,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,null,null,null,"1132.  Title - Recording Service Fee"]
[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,null,null,null,"Title - Reconveyance Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,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,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,null,null,null,"1133.  Title - Reconveyance Fee"]
[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,null,null,null,"Title - Search Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,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,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,null,null,null,"1140.  Title - Demand Fee"]
[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,null,null,null,"Title - Settlement Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,"B. Sevices You Cannot Shop For:",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,"Title - Wire Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,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,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,null,null,null,"Title Fees - Other/Miscellaneous"]
[null,null,null,null,"Appraisal Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,0,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,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,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,"1202.  Recording Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,"Credit Report Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,0,null,null,null,null,null,null,null,"D. Taxes & Other GVT Fees:",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1204.  City/County Tax Stamps",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,"Flood Determination Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,0,null,null,null,null,null,null,null,"Recording Fees",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,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,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,null,null,null,"1205.  State Tax Stamps",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,"Tax Service Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,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,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,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,"1206.  State Tax Transfer Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,"Third Party Subordination Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,0,null,null,null,null,null,null,null,"E. Other:",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1208.  County Transfer Tax"]
[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,null,null,null,"Title - Owner's Tile Ins Policy",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,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,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,null,null,null,"1209.  City Transfer Tax"]
[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,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,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,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,"1303.  Survey Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[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,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,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,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,"Others:"]
[]
[null,null,null,null,"Subtotal Cost of New Loan.",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+Data_VA!C3423","v":0}]
[null,null,"F.",null,"All prepayment penalties incurred by Borrower on existing loan to be refinanced.         +",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"G.",null,"Any new lender credits to be applied towards borrower-paid costs.                        \n",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"D.",null,"If netting escrows, enter escrow account balance as reflected on payoff statement",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"H.",null,"TOTAL Cost of New Loan",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_VA!C3428","v":0}]
[]
[]
[null,null,"Step 3:  Monthly savings"]
[]
[null,null,"I.",null,"Current monthly mortgage payment (Principal & Interest). *",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AD16","v":""}]
[null,null,"J.",null,"Proposed monthly mortgage payment (Principal & Interest) for new loan. **",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AQ16","v":""}]
[null,null,"K.",null,"Monthly savings (I ─ J)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_VA!C3432","v":0}]
[]
[null,null,"*   For an ARM loan, use the current monthly payment amount."]
[null,null,"**  For an ARM loan, use the monthly payment based on the fully indexed rate or the note rate (which ever is higher)."]
[]
[]
[null,null,"Step 4:  Recoupment Period"]
[]
[null,null,"L.",null,"Total months required to recoup the cost of refinancing.",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_VA!C3436","v":""}]
[]
[]
[]
[]
[null,null,{"$f":"Data_VA!C3443","v":""}]
[]
[]
[null,null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility"]
[null,null,"for the accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet."]
[null,null,"It is the responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any"]
[null,null,"documentation used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Loan Comparison 2.15.19","index":12,"n_rows":131,"n_cols":51,"rows_kept":131,"cut":false,"hidden":true,"merged":[[78,63,78,116],[7,4,7,55],[8,4,8,55],[9,4,9,55],[10,4,10,55],[48,29,48,41],[48,42,48,54],[51,3,51,28],[51,29,51,41],[51,42,51,54],[23,5,23,53],[27,11,27,53],[21,39,21,53],[18,6,19,50],[49,42,49,54],[46,3,46,28],[46,29,46,41],[46,42,46,54],[26,8,26,53],[25,6,25,53],[24,10,24,53],[72,3,74,54],[76,3,76,54],[30,2,30,55],[20,2,20,54],[11,2,11,55],[57,3,57,41],[57,42,57,54],[62,3,62,54],[63,3,63,54],[60,3,60,55],[65,3,65,55],[56,29,56,41],[56,42,56,54],[58,3,58,55],[13,2,13,55],[43,3,43,54],[44,3,44,28],[44,29,44,41],[44,42,44,54],[40,2,40,54],[42,3,42,54],[53,3,53,28],[53,29,53,41],[53,42,53,54],[33,2,33,54],[34,2,34,54],[35,2,35,54],[70,3,70,31],[56,3,56,28],[55,3,55,28],[55,29,55,41],[55,42,55,54],[66,3,66,54],[61,3,61,21],[64,3,64,54],[61,29,61,54],[61,22,61,28],[49,3,49,28],[49,29,49,41],[47,3,47,28],[47,29,47,41],[47,42,47,54],[48,3,48,28],[45,3,45,28],[45,29,45,41],[45,42,45,54],[54,3,54,28],[54,29,54,41],[1,1,1,56],[2,2,2,55],[3,2,3,10],[3,11,3,33],[3,34,3,36],[3,37,3,44],[3,45,3,55],[4,2,4,55],[5,2,5,55],[54,42,54,54],[52,3,52,28],[52,29,52,41],[52,42,52,54],[50,3,50,28],[50,29,50,41],[50,42,50,54],[31,2,31,54],[32,2,32,54],[36,2,36,54],[39,2,39,54],[37,2,37,54],[38,4,38,54],[95,23,95,28],[95,50,95,55],[96,23,96,28],[96,50,96,55],[93,23,93,28],[93,50,93,55],[94,23,94,28],[94,50,94,55],[77,3,77,55],[78,3,78,55],[90,2,90,3],[92,23,92,28],[92,50,92,55],[87,2,87,55],[88,2,88,55],[82,35,82,39],[82,40,82,55],[86,2,86,55],[91,23,91,28],[91,50,91,55],[89,4,89,29],[89,31,89,55],[90,4,90,21],[90,23,90,28],[99,23,99,28],[99,50,99,55],[100,23,100,28],[100,50,100,55],[100,4,100,21],[101,4,101,28],[97,23,97,28],[97,50,97,55],[98,23,98,28],[98,50,98,55],[97,4,97,21],[98,4,98,21],[131,2,131,55],[124,2,124,55],[125,2,125,55],[126,2,126,55],[127,2,127,55],[128,2,128,55],[130,2,130,3],[130,4,130,45],[130,47,130,55],[121,2,121,3],[121,4,121,45],[121,47,121,55],[122,2,122,3],[122,4,122,45],[122,47,122,55],[116,2,116,55],[117,2,117,55],[118,2,118,55],[120,2,120,3],[120,4,120,45],[120,47,120,55],[115,2,115,3],[115,4,115,45],[115,47,115,55],[112,2,112,3],[112,4,112,45],[112,47,112,55],[113,2,113,3],[113,4,113,45],[113,47,113,55],[114,2,114,3],[114,4,114,45],[114,47,114,55],[111,4,111,45],[111,47,111,55],[107,4,107,21],[107,23,107,28],[107,31,107,48],[107,50,107,55],[108,4,108,21],[108,23,108,28],[108,31,108,48],[108,50,108,55],[109,31,109,48],[90,50,90,55],[109,4,109,21],[109,23,109,28],[109,50,109,55],[103,4,103,21],[103,23,103,28],[104,4,104,21],[104,23,104,28],[104,31,104,48],[104,50,104,55],[103,31,103,55],[106,31,106,55],[101,50,101,55],[102,4,102,21],[102,23,102,28],[102,31,102,48],[102,50,102,55],[105,4,105,21],[105,23,105,28],[105,31,105,48],[105,50,105,55],[106,4,106,21],[106,23,106,28],[99,4,99,21]]}
[]
[null,"VA Cash-Out Refinance Net Tangible Benefit Disclosure and Certification"]
[]
[null,null,"Borrower(s)",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,null,null,null,null,null,null,"Loan Number"]
[]
[]
[null,null,null,"Cash-Out"]
[null,null,null,"•","Type 1 - refinancing a loan in which the loan amount + FF does NOT exceed the payoff amount  "]
[null,null,null,null,"FEE RECOUPMENT REQUIRED"]
[null,null,null,"•","Type 2 – refinancing a loan in which the loan amount + FF exceeds the payoff amount "]
[null,null,null,null,"FEE RECOUPMENT NOT REQUIRED  (DO NOT COMPLETE SECTION 2)"]
[]
[]
[null,null,"Step 1:  Comparison of Loan Features"]
[]
[]
[]
[]
[null,null,null,null,null,null,"VA Cash-Out Refinance Net Tangible \nBenefit Disclosure and Certification"]
[]
[]
[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,null,null,null,null,null,null,null,null,null,null,"Loan #:"]
[]
[null,null,"Date: JUNE 27, 2019",null,null,{"$f":"+TEXT(TODAY(),\"MMMM, d, yyyy\")","v":"September, 25, 2020"}]
[null,null,"Application Date:",null,null,null,null,null,null,null,{"$f":"+TEXT(TODAY(),\"MMMM, d, yyyy\")","v":"September, 25, 2020"}]
[null,null,"Lender: ",null,null,null,"LENDER NAME"]
[null,null,"Borrower(s): ",null,null,null,null,null,{"$f":"+IF(L4=\"\",\"\",L4)","v":""}]
[null,null,"Property Address:"]
[]
[]
[null,null,"You, the Borrower(s), are receiving this Disclosure because you have applied for a loan (your \"new loan\") which is eligible to be guaranteed by the Department of Veteran's Affairs as a \"cash-out refinance\" loan.\n\nPursuant to Federal law, this Disclosure is intended to compare certain features of your new loan against the features of the loan which you are refinancing (your \"old loan\"), to help you better understand your new loan."]
[null,null," BENEFIT(S) OBTAINED"]
[null,null," Your new loan provides the following benefit(s)"]
[null,null,"Your new loan eliminates monthly mortgage insurance (public or private) or monthly guaranty insurance."]
[null,null,"The term of your new loan is shorter than the term of your old loan."]
[null,null,"The interest rate on your new loan is lower than the interest rate on your old loan."]
[null,null,"The payment on your new loan is lower than the payment on your old loan."]
[null,null,"Your new loan results in an increase in your monthly residual income (see 38 C.F.R. § 36.4340[e] for details)."]
[null,null,null,null,"Your new loan refinances an interim loan to construct, alter, or repair your primary home."]
[null,null,"The amount of your new loan is equal to or less than 90% of the reasonable value of your home."]
[null,null,"Your new loan has a fixed interest rate and refinances an adjustable rate mortgage."]
[]
[null,null,null,"COMPARISON OF LOAN FEATURES"]
[]
[null,null,null,"Feature",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,"Old Loan",null,null,null,null,null,null,null,null,null,null,null,null,"New Loan"]
[null,null,null,"VA LIN",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,null,null,null,null,null,null,null,null,null,""]
[null,null,null,"Remaining Balance of Loan (Payoff Amount)"]
[null,null,null,"Type of Loan",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,"Select Option",null,null,null,null,null,null,null,null,null,null,null,null,"Select Option"]
[null,null,null,"Interest Rate"]
[null,null,null,"Remaining Loan Term in Months"]
[null,null,null,"Monthly Principal & Interest Payment",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,{"$f":"IF(OR(AD49=\"\",AD50=\"\",AD47=\"\"),\"\",ABS(PMT(AD49/12,AD50,AD47)))","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(AQ49=\"\",AQ50=\"\",AQ47=\"\"),\"\",ABS(PMT(AQ49/12,AQ50,AQ47)))","v":""}]
[null,null,null,"Monthly Mtg Insurance / PMI (if applicable)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"N/A"]
[null,null,null,"Total of Monthly Principal & Interest, and Mtg Insurance / PMI ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(AD49=\"\",AD50=\"\",AD47=\"\",AD52=\"N/A\",AD52=\"NA\"),\"\",AD51+AD52)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(AQ49=\"\",AQ50=\"\",AQ47=\"\"),\"\",AQ51)","v":""}]
[null,null,null,"Remaining Total of Monthly Principal & Interest , and Mtg Insurance / PMI (if applicable)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(AD49=\"\",AD50=\"\",AD47=\"\",AD52=\"N/A\",AD52=\"NA\"),\"\",(AD51+AD52)*AD50)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(AQ49=\"\",AQ50=\"\",AQ47=\"\"),\"\",AQ51*AQ50)","v":""}]
[null,null,null,"Appraisal Value"]
[null,null,null,"Loan-to-Value (LTV)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(AND(AD47<>\"\",AD55<>\"\"),AD47/AD55,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(AND(AQ47<>\"\",AQ55<>\"\"),AQ47/AQ55,\"\")","v":""}]
[]
[null,null,null,"New Loan includes funds for Energy Efficiency Improvements",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"No"]
[]
[]
[null,null,null,"HOME EQUITY"]
[null,null,null,{"$f":"+IF(AQ47>AD47,\"It is estimated that you will lose approximately\",IF(AQ47<AD47,\"It is estimated that you will gain approximately\",\"It is estimated that you will lose approximately\"))","v":"It is estimated that you will lose approximately"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR(AQ47=\"\",AD47=\"\"),\"\",IF(AQ47<AD47,(AQ47-AD47)*-1,AQ47-AD47))","v":""},null,null,null,null,null,null,"of home equity from the reasonable value of your home by"]
[null,null,null,"refinancing your old loan with your new loan.  \"Home equity\" is the difference between your home's reasonable (appraised) "]
[null,null,null,"value and the outstanding balance of all loans secured by your property. A loss in this home equity may affect your ability to sell your"]
[null,null,null," home at a later date."]
[null,null,null,{"$f":"+IF(OR(Data_VA!C3557>0,Data_VA!C3498>0),\"TIME TO RECOUP CLOSING COSTS:\",\"\")","v":""}]
[null,null,null,{"$f":"+IF(OR(Data_VA!C3557>0,Data_VA!C3498>0),IF(OR(Data_VA!C3507=\"N/A\",AQ51>AD51),\"Your monthly payment for principal and interest is increasing by: $\" &ROUNDUP(Data_VA!D3508,2)*-1&\" / month\",(\"Your monthly payment for principal and interest is decreasing by: $\"&TEXT(Data_VA!C3507,\"0.00\")&\" / month\")),\"\")","v":""}]
[null,null,null,{"$f":"+IF(OR(Data_VA!C3557>0,Data_VA!C3498>0),\"The total of fees, closing costs, and any expenses you will incur in connection with your new loan (excluding amounts for taxes,\",\"\")","v":""}]
[null,null,null,{"$f":"+IF(OR(Data_VA!C3557>0,Data_VA!C3498>0),\"escrows, insurance, and similar assessments) is: $\"&TEXT(Data_VA!C3503,\"0.00\"),\"\")","v":""}]
[null,null,null,{"$f":"+IF(OR(Data_VA!C3557>0,Data_VA!C3498>0),IF(ISERROR(Data_VA!C3518),\"\",\"The number of months required to recoup your costs is calculated as follows:\"),\"\")","v":""}]
[null,null,null,{"$f":"+IF(OR(Data_VA!C3557>0,Data_VA!C3498>0),IF(OR(ISERROR(Data_VA!C3518),Data_VA!C3518=\"\"),\"\",\"$\"&TEXT(Data_VA!D3508,\"0.00\")&\" divided by \"&\"$\"&TEXT(Data_VA!C3503,\"0.00\")&\" = \"&TEXT((Data_VA!C3503/Data_VA!C3507),\"0.0\")&\" Months\"),\"\")","v":""}]
[]
[null,null,null,"38 U.S.C.A. § 3709(b) & (d)(2)\n38 C.F.R. § 36.4306(a)(3) & (b)\nVA Circ. 26-18-30"]
[]
[]
[]
[null,null,null,"Borrower's Certification"]
[]
[null,null,null,"I/We hereby certify that I/we understand the effect refinancing has on my loan balance payments, interest rate, term, total payback of payments, and remaining equity in my home should I/we accept a refinance loan."]
[]
[]
[null,null,null,"Borrower__________________________________________________     Date________________"]
[]
[]
[null,null,null,"Co-Borrower_______________________________________________     Date________________"]
[]
[]
[]
[null,null,"Step 2:  Cost of the new loan"]
[null,null,null,null,"A. Origination Charges:",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,"C. Sevices You Can Shop For:"]
[null,null,null,null,"Adminsitration Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,"Pest Inspection",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,"Application Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,"Survey Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,"Borrower paid Broker Comp",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,"Title - Attorney Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,"Charge (Discount) for Rate Chosen",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,"Title - Closing Protection Letter Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,"Origination Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,"Title - Commitment Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,"Processing Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,"Title - Endorsements Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,"Underwriting Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,"Title - Examination Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[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,null,null,null,"Title - Lender's Title Ins Policy",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[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,null,null,null,"Title - Reconveyance Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[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,null,null,null,"Title - Search Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[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,null,null,null,"Title - Settlement Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,"B. Sevices You Cannot Shop For:",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,"Title - Wire Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,"Appraisal Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,0,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,"Credit Report Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,0,null,null,null,null,null,null,null,"D. Taxes & Other GVT Fees:"]
[null,null,null,null,"Flood Determination Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,0,null,null,null,null,null,null,null,"Recording Fees",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,"Tax Service Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,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,"Third Party Subordination Fee",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,0,null,null,null,null,null,null,null,"E. Other:"]
[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,null,null,null,"Title - Owner's Tile Ins Policy",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,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,"Subtotal Cost of New Loan.",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_VA!C3498","v":0}]
[null,null,"F.",null,"All prepayment penalties incurred by Borrower on existing loan to be refinanced.               +"]
[null,null,"G.",null,"Any new lender credits to be applied towards borrower-paid costs."]
[null,null,"D.",null,"If netting escrows, enter escrow account balance as reflected on payoff statement."]
[null,null,"H.",null,"TOTAL Cost of New Loan",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_VA!C3503","v":0}]
[]
[]
[null,null,"Step 3:  Monthly savings"]
[]
[null,null,"I.",null,"Current monthly mortgage payment (Principal & Interest). *",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AD52","v":0}]
[null,null,"J.",null,"Proposed monthly mortgage payment (Principal & Interest) for new loan. **",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AQ52","v":"N/A"}]
[null,null,"K.",null,"Monthly savings (I ─ J)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+Data_VA!C3507","v":0}]
[]
[null,null,"*   For an ARM loan, use the current monthly payment amount."]
[null,null,"**  For an ARM loan, use the monthly payment based on the fully indexed rate or the note rate (which ever is higher)."]
[]
[]
[null,null,"Step 4:  Recoupment Period"]
[]
[null,null,"L.",null,"Total months required to recoup the cost of refinancing.",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_VA!C3511","v":""}]

{"sheet":"Data_VA","index":13,"n_rows":3557,"n_cols":15,"rows_kept":3557,"cut":false,"hidden":true,"merged":[[33,0,33,5],[0,0,0,5],[9,0,9,5],[14,0,14,5],[19,0,19,5],[24,0,24,5],[135,0,135,2],[38,0,38,5],[43,0,43,5],[51,0,51,5],[60,0,60,5],[67,0,67,5],[92,0,92,5],[123,0,123,5],[130,0,130,5],[132,0,132,2],[133,0,133,2],[134,0,134,2],[147,0,147,2],[136,0,136,2],[137,0,137,2],[138,0,138,2],[139,0,139,2],[140,0,140,2],[141,0,141,2],[142,0,142,2],[143,0,143,2],[144,0,144,2],[145,0,145,2],[146,0,146,2],[159,0,159,2],[148,0,148,2],[149,0,149,2],[150,0,150,2],[151,0,151,2],[152,0,152,2],[153,0,153,2],[154,0,154,2],[155,0,155,2],[156,0,156,2],[157,0,157,2],[158,0,158,2],[3444,0,3444,5],[3469,0,3469,5],[162,0,162,5],[166,1,166,5],[168,1,168,5],[170,1,170,5],[172,0,172,5],[3418,0,3418,5],[3493,0,3493,5],[3519,0,3519,5],[3547,3,3547,55],[3548,3,3548,55],[3549,3,3549,55],[3550,3,3550,55],[3551,3,3551,55],[3552,5,3552,55],[3553,3,3553,55],[3554,3,3554,55]]}
["LOAN PURPOSE"]
[null,"Close after 1/1/2020"]
[" PURCHASE",null,{"$f":"IF('VA Loan Calcs'!AQ10=\"Purchase\",TRUE,FALSE)","v":true},"Purchase","/  Purchase transaction when Sales Price is greater than zero.",null,"/  Purchase transaction when Sales Price is greater than zero."]
[" REFINANCE",null,{"$f":"IF('VA Loan Calcs'!AQ10=\"Refinance\",TRUE,FALSE)","v":false},"Refinance","/  Refinance transaction when Sales Price is equal to zero",null,"/  Refinance transaction when Sales Price is equal to zero"]
[]
[" LOANTYPE",null,{"$f":"IF(AND(PURCHASE=TRUE,SALESPRICE<=COUNTYLMT),\"LOAN IS A VA REGULAR PURCHASE\",IF(AND(PURCHASE=TRUE,SALESPRICE>COUNTYLMT),\"LOAN IS A VA JUMBO PURCHASE\",IF(AND(REFINANCE=TRUE,APPRAISEDVALUE<=COUNTYLMT),\"LOAN IS A REGULAR CASH-OUT REFINANCE\",IF(AND(REFINANCE=TRUE,APPRAISEDVALUE>COUNTYLMT),\"LOAN IS A JUMBO CASH-OUT REFINANCE\",\"LOAN AMOUNT\"))))","v":"LOAN IS A VA REGULAR PURCHASE"},null,"/  Loan transaction type based on Sales Price or Appraised Value and County Limit",null,"/  Loan transaction type based on Sales Price or Appraised Value and County Limit"]
[]
[" Equity/Add'l Borr Contribution",null,{"$f":"IF(C4=TRUE,\"Remaining Equity on Subject Property plus any Additional Borrower Contributions\",\"Additional Borrower Contributions\")","v":"Additional Borrower Contributions"}]
[]
["ENTITLEMENT"]
[]
[" ENTITLE_F",null,{"$f":"IF('VA Loan Calcs'!AQ11=\"First Time Use\",TRUE,FALSE)","v":true},"First Time Use","/  If this is the veteran's first time use of entitlement then then results are TRUE, but if this is the veteran's subsequent use of entitlement then results are FALSE."]
[" ENTITLE_S",null,{"$f":"IF('VA Loan Calcs'!AQ11=\"Subsequent Use\",TRUE,FALSE)","v":false},"Subsequent Use","/  If this is the veteran's subsequent use of entitlement then then results are TRUE, but if this is the veteran's first time use of entitlement then results are FALSE."]
[]
["MILITARY"]
[]
[" MILITARYREG",null,{"$f":"IF('VA Loan Calcs'!AQ12=\"Regular Military\",TRUE,FALSE)","v":true},"Regular Military","/  If veteran is in regular military then results are TRUE, but if veteran is in national guard or reserves then results are FALSE."]
[" RESERVIST",null,{"$f":"IF('VA Loan Calcs'!AQ12=\"Reservist/National Guard\",TRUE,FALSE)","v":false},"Reservist/National Guard","/  If veteran is in national guard or reserves then results are TRUE, but if veteran is in regular military then results are FALSE."]
[null,null,null,"Purple Heart Recipient","/  If this is the Purple Heart Recipient then then results are TRUE, but if this is nott then results are FALSE."]
["EXEMPT STATUS"]
[]
[" FFDUE",null,{"$f":"IF('VA Loan Calcs'!AQ13=\"Funding Fee Due\",TRUE,FALSE)","v":true},"Funding Fee Due","/  If funding fee is due then results are TRUE, but if veteran is exempt from funding fee then results are FALSE."]
[" FFEXEMPT",null,{"$f":"IF('VA Loan Calcs'!AQ13=\"Exempt from Funding Fee\",TRUE,FALSE)","v":false},"Exempt from Funding Fee","/  If veteran is exempt from funding fee then results are TRUE, but if funding fee is due then results are FALSE."]
[]
["ENERGY EFFICIENT MORTGAGE"]
[]
[" EEM Selections",null,"No"]
[null,null,"Yes"]
[]
[" EEM User Selection",null,{"$f":"+IF('VA Recoupment Calcs'!AQ17=\"Yes\",\"Yes\",IF('Loan Comparison 2.15.19'!AQ58=\"Yes\",\"Yes\",\"No\"))","v":"No"},null,"/  User selected option"]
[]
[" EEM Loan",null,{"$f":"IF(C30=\"No\",FALSE,TRUE)","v":false},null,"/  Does the loan include funds for Energy Efficiency Improvements"]
[]
["VA REGULAR / VA JUMBO"]
[]
[" VA Regular",null,true,"Regular","/  If transaction is a regular VA loan then results are TRUE, but if the transaction is a VA Jumbo loan then results are FALSE."]
[" VA Jumbo",null,false,"Jumbo","/  If transaction is a VA Jumbo loan then results are TRUE, but if the transaction is a regular VA loan then results are FALSE."]
[]
["COUNTY LIMIT / SLI MAX AMOUNT"]
[]
[" COUNTYLMT",null,{"$f":"COUNTYLMT","v":510400}," County Limit","/  Maximum county limit based on county chosen from drop down selections."]
[" SLIMAX",null,650000," Stearns Limit","/  Maximum total loan amount allowed by Stearns Lending Inc."]
[]
["ENTITLEMENT CALCULATIONS"]
[]
[" ENTITLEMAX",null,{"$f":"IF(PRICEVALUE=0,0,ROUNDDOWN(COUNTYLMT*25%,0))","v":0}," Maximum Entitlement Allowed based on County Limit","/  Maximum entitlement allowed based on county chosen from drop down selections."]
[" ENTITLEUSED",null,{"$f":"'VA Loan Calcs'!AV21","v":0}," Previous Entitlement Used","/  Previous entitlement used as reflected on Certificate of Eligibility."]
[" ENTITLEREM",null,{"$f":"ENTITLEMAX-ENTITLEUSED","v":0}," Available Entitlement","/  Available entitlement remaining that Veteran can use for new loan."]
[" ENTITLENEED",null,{"$f":"INVESTREQ","v":0}]
[" ENTITLETRUE",null,{"$f":"MIN(ENTITLEREM,ENTITLENEED)+INVESTMIN+INVESTADDL","v":0}]
[]
["DOWN PAYMENT / REQUIRED INVESTMENT"]
[]
[" INVESTREQ","X",{"$f":"PRICEVALUE/4","v":0},null,"/  25% of Sales Price or Appraised Value (whichever is lower)"]
[" INVESTMIN","X",{"$f":"IF(PURCHASE=TRUE,IF(ENTITLEREM>INVESTREQ,0,C54-C48),IF(REFINANCE=TRUE,IF(C48>C54,0,C54-C48),0))","v":0}," Minimum Down Payment Required","/  Calculated minimum down payment required"]
[" INVESTADDL","X",{"$f":"INVESTADDL","v":0}," Additional Funds Desired to be contributed","/  Additional funds that borrower desires to contribue for lower loan amount"]
[" INVESTTOTAL","X",{"$f":"IF(PURCHASE=TRUE,INVESTMIN+INVESTADDL,IF(REFINANCE=TRUE,ENTITLENEED+INVESTMIN+INVESTADDL,0))","v":0}," Total Down Payment / Investment for this Transaction","/  Total Investment for this transaction"]
[]
[" Equity Factor","X",{"$f":"100%-(BASELOAN/SALESPRICE)","v":{"$error":"#DIV/0!"}}]
[]
["SALES PRICE / APPRAISED VALUE"]
[]
[" SALESPRICE",null,{"$f":"SALESPRICE","v":0},null,"/  Sales Price as entered by user on VA Loan Calcs worksheet"]
[" APPRAISEDVALUE",null,{"$f":"APPRAISEDVALUE","v":0},null,"/  Appraised Value as entered by user on VA Loan Calcs worksheet"]
[" PRICEVALUE",null,{"$f":"IF(PURCHASE=TRUE,MIN(SALESPRICE,APPRAISEDVALUE),IF(REFINANCE=TRUE,APPRAISEDVALUE,0))","v":0}]
[" CALCVALUE",null,{"$f":"IF(REFINANCE=TRUE,APPRAISEDVALUE,SALESPRICE)","v":0},null,"/  Calculated Value for Purchase transaction based on Lower of Sales Price or Appraised Value."]
[]
["LOAN AMOUNT CALCULATIONS FOR  ALL FULL DOC VA LOAN TYPES"]
[]
[" Proposed max base loan #1"]
[" County Limit",null,{"$f":"COUNTYLMT","v":510400},"/  County Limit"]
[]
[" Proposed max base loan #2"]
["  Lower Sales Price or Value",null,{"$f":"PRICEVALUE","v":0},"/  On a Purchase Transaction = Lower of Sales Price or Appraised Value, on a Refinance Transaction = Appraised Value"]
[]
[" Proposed max base loan #3"]
[" Sales Price / Value (lower)",null,{"$f":"PRICEVALUE","v":0},"/  On a Purchase Transaction = Lower of Sales Price or Appraised Value, on a Refinance Transaction = Appraised Value"]
[" Sales Price / Value X 75%",null,{"$f":"IF(AND(C77<>0,PRICEVALUE>COUNTYLMT),C77*75%,0)","v":0},"/  75% of Lesser of Sales Price or Appraised Value (multipy by 75%)"]
[" Available Entitlement",null,{"$f":"IF(ENTITLENEED<ENTITLEREM,ENTITLENEED,ENTITLEREM)","v":0},"/  Plus Available Entitlement"]
[" Proposed max base loan #3",null,{"$f":"C78+C79","v":0},"/  Proposed Maximum Total Loan Amount based on sales price and remaining entitlement available"]
["Test for min required investment",null,{"$f":"IF((C77-C80)=INVESTTOTAL,TRUE,FALSE)","v":true},"/  Test for Sales Price less Base Loan Amount is the same as INVESTMIN"]
[]
[" Proposed Actual Base Loan",null,{"$f":"IF(PRICEVALUE>COUNTYLMT,C80,C74)","v":0},"/  Actual base loan amount"]
[" Additional Borrower Funds",null,{"$f":"C56","v":0},"/  Additional funds borrower wants to contribute"]
[" Actual base loan",null,{"$f":"C83-C84","v":0},"/  Actual Base Loan Amount to be used"]
[" Actual funding fee factor",null,{"$f":"IFERROR(0,FUNDINGFCTR)","v":0},"/  Actual funding fee percentage",null,null,null,null,null,null,null,3000000,null,0.9,3000]
[" Actual funding fee amount",null,{"$f":"IF(FFEXEMPT=TRUE,\"EXEMPT\",C85*C86)","v":0},"/  Actual funding fee amount",null,null,null,null,null,null,null,0.9]
[" Actual total loan amount",null,{"$f":"IF(C87=\"EXEMPT\",ROUNDDOWN(C85,0),ROUNDDOWN(C85+C87,0))","v":0},"/  Actual total loan amount to be used",null,null,null,null,null,null,null,3.3]
[" Total Down Payment Required",null,{"$f":"INVESTMIN","v":0},"/  Total down payment amount required"]
[" Additional Borrower Funds",null,{"$f":"INVESTADDL","v":0},"/  Additional funds borrower wants to contribute"]
[" Total DP & Add'l borrower funds",null,{"$f":"C89+C90","v":0},"/  Actual down payment amount plus additional borrower contributions"]
[]
["LOAN AMOUNT"]
[]
[" PRICEVALUE",null,{"$f":"PRICEVALUE","v":0},"/  Sales Price / Appraised Value (lower of)"]
[" INVESTTOTAL",null,{"$f":"C91","v":0},"/  Total Down Payment / Investment for this Transaction"]
[" PREBASEAMT",null,{"$f":"C95-C96","v":0},{"$f":"IF(E107=TRUE,IF((((C95+C96)*0.9)/1.033)>0.9,((C95+C96)*0.9)/1.033,C95-C96),C95-C96)","v":0}]
[" SUBLIENS",null,{"$f":"'VA Loan Calcs'!AV31","v":0}]
[" ENERGYIMPRV",null,{"$f":"IF(ENERGYIMPRV>6000,6000,ENERGYIMPRV)","v":0}]
[" BASELOAN",null,{"$f":"IF(AND(ENTITLEUSED>0,PREBASEAMT<144001,((ENTITLEUSED*4)+PREBASEAMT)>144000),\"N/A\",IF(((C97-C98)+C99)>COUNTYLMT,ROUNDDOWN(C97-C98,0),ROUNDDOWN((C97-C98)+C99,0)))","v":0},"/  Base Loan Amount",null,null,"=IF(AND(REFINANCE=TRUE,PREBASEAMT<144,001),\"N/A\",IF(((C88-C89)+C90)>COUNTYLMT,C88-C89,(C88-C89)+C90))"]
[" LTVFCTR",{"$f":"+IF(OR(C95=0,TOTALLOAN=0),\"\",ROUNDUP(TOTALLOAN/C95,4))","v":""},{"$f":"IF(BASELOAN=\"N/A\",\"N/A\",IF(C100=0,0,ROUNDUP(BASELOAN/PRICEVALUE,4)))","v":0},"/  LTV",null,{"$f":"IF(E107=TRUE,IF((((C95+C96)*0.9)/1.033)>0.9,((C95+C96)*0.9)/1.033,C95-C96),C95-C96)","v":0},{"$f":"IF(BASELOAN=\"N/A\",\"N/A\",IF(C100=0,0,ROUNDUP(BASELOAN/PRICEVALUE,4)))","v":0}]
[" LTVFUNDINGFEE",null,{"$f":"IF(OR(SALESPRICE=0,BASELOAN=0),0,(SALESPRICE-BASELOAN)/SALESPRICE)","v":0},"/  LTV based of Sales Price, used to determine equity (down payment plus any additional borrower contributions and equity) to then be able to determine Funding Fee Factor"]
[" EQUITYFCTR",null,{"$f":"IF(BASELOAN=\"N/A\",\"N/A\",IF(C102=0,0,IF(C102>100%,0,ROUNDDOWN(C102,4))))","v":0},"/  Total Equity"]
[" FUNDINGFCTR",null,{"$f":"IF(TOTALLOAN=\"N/A\",\"N/A\",IF(LTVFCTR=0,0,IF(FFEXEMPT=TRUE,0,IF(C110=TRUE,FUNDINGFCTR2,FUNDINGFCTR))))","v":0},"/  Funding Fee Factor",null,{"$f":"IF(BASELOAN=\"N/A\",\"N/A\",IF(LTVFCTR=0,0,IF(FFEXEMPT=TRUE,0,FUNDINGFCTR)))","v":0}]
[" FUNDINGAMT",null,{"$f":"IF(BASELOAN=\"N/PREBASEAMTA\",\"N/A\",IF(LTVFCTR=\"\",0,IF(FFEXEMPT=TRUE,\"EXEMPT\",BASELOAN*IF(E107=TRUE,FUNDINGFCTR2,FUNDINGFCTR))))","v":0},"/  Funding Fee Amount",null,{"$f":"+BASELOAN*FUNDINGFCTR","v":0},{"$f":"+BASELOAN*FUNDINGFCTR2","v":0}]
[" TOTALLOAN",null,{"$f":"IF(BASELOAN=\"N/A\",\"N/A\",IF(LTVFCTR=\"\",0,IF(FFEXEMPT=TRUE,ROUNDDOWN(BASELOAN,0),ROUNDDOWN(BASELOAN+FUNDINGAMT,0))))","v":0},"/  Total Loan Amount",null,{"$f":"+FUNDINGFCTR","v":2.3E-2},{"$f":"+FUNDINGFCTR","v":2.3E-2}]
["Warning",null,{"$f":"+IF(AND(E107=TRUE,B101>0.9),\"***Warning LTV Exceeds 90%***\",IF(AND(B101>1,'VA Loan Calcs'!AQ10=\"Refinance\",E107=FALSE),\"***Warning LTV Exceeds 100%***\",IF(AND(B101>1,'VA Loan Calcs'!AQ10=\"Refinance\",E107=TRUE),\"***Warning LTV Exceeds 90%***\",\"\")))","v":"***Warning LTV Exceeds 90%***"},null,true,{"$f":"+IF(E107=TRUE,\"VA Maximum Loan Amounts Calculation Worksheet\n(effective for loans closing after 01/01/2020)\", \"VA Maximum Loan Amounts Calculation Worksheet\")","v":"VA Maximum Loan Amounts Calculation Worksheet\n(effective for loans closing after 01/01/2020)"}]
[" Energy Efficient Improv Message",null,{"$f":"IF(AND(BASELOAN<>\"N/A\",BASELOAN>COUNTYLMT),MSGCALCS9,IF(C99>6000,MSGCALCS8,MSGCALCS7))","v":" Energy Efficient Improvements (maximum allowed is $6,000)"}]
[" Guaranty Message",null,"Actual Guaranty"]
["Full Entitlement Available",null,false]
[" MSGCALCS1",null,{"$f":"IF(AND(PURCHASE=TRUE,ENTITLEUSED>0),\"Lower of Sales Price or Appraised Value (must exceed $144,000)\",IF(AND(PURCHASE=TRUE,ENTITLEUSED=0),\"Lower of Sales Price or Appraised Value\",IF(AND(REFINANCE=TRUE,ENTITLEUSED>0),\"Appraised Value (must exceed $144,000)\",IF(AND(REFINANCE=TRUE,ENTITLEUSED=0),\"Appraised Value,\"\"\"))))","v":"Lower of Sales Price or Appraised Value"}]
[" MSGCLACS1A",null,{"$f":"IF(ENTITLEUSED>0,\"Loan Amount (pre Funding Fee) must exceed $144,000 per VA Pamphlet 26-7,§2b\",\"Loan Amount (pre Funding Fee)\")","v":"Loan Amount (pre Funding Fee)"}]
[" MSGCALCS2",null,{"$f":"IF(PURCHASE=TRUE,\"Required 25% Guarantee\",\"Required Equity / Investment\")","v":"Required 25% Guarantee"}]
[" MSGCALCS3",null,{"$f":"IF(PURCHASE=TRUE,\"Down Payment Required from Veteran to maintain 25% Guarantee / Investment\",\"Equity and Investment Required for 25% Guarantee plus Equity\")","v":"Down Payment Required from Veteran to maintain 25% Guarantee / Investment"}]
[" MSGCALCS4",null,{"$f":"IF(PURCHASE=TRUE,\"Total Down Payment for this Purchase transaction\",\"Total Equity/Investment for this Refinance transaction\")","v":"Total Down Payment for this Purchase transaction"}]
[" MSGCALCS5",null,{"$f":"IF(PURCHASE=TRUE,\"Total Down payment required\",\"Total required equity / investment\")","v":"Total Down payment required"}]
[" MSGCALCS6",null,{"$f":"IF(PURCHASE=TRUE,\"Down Payment =\",\"Total Equity =\")","v":"Down Payment ="}]
[" MSGCALCS7",null," Energy Efficient Improvements (maximum allowed is $6,000)"]
[" MSGCALCS8",null," Energy Efficient Improvements exceed the maximum allowed."]
[" MSGCALCS9",null," Energy Efficient Improvements NOT included (not allowed on VA Jumbo's)."]
[" MSGCALCS10",null," Actual Guaranty"]
[" MSGCALCS11",null,{"$error":"#DIV/0!"}]
[]
["LOAN GUARANTY CALCULATIONS"]
[]
[" ENTITLEREM",null,{"$f":"IF(ENTITLENEED<ENTITLEREM,ENTITLENEED,ENTITLEREM)","v":0},"/  Total Available Entitlement"]
[" INVESTTOTAL",null,{"$f":"INVESTMIN+INVESTADDL","v":0},"/  Total Down Payment / Additional Borrower Contributions"]
[" GUARANTYTOTAL",null,{"$f":"C126+C127","v":0},"/  Grand Total Available Entitlement plus Down Payment / Additional Contributions"]
[" GUARANTYACTUAL",null,{"$f":"IF(PRICEVALUE=0,0,IF(AND(C83>144000,(C128/PRICEVALUE)>25%),25%,C128/PRICEVALUE))","v":0},"/  Actual Guaranty"]
[]
["FUNDING FEE CALCULATIONS"]
[null,null,null,"After to 1/1/2020","After to 1/1/2020"]
["Purchase - Down Payment %",null,null,{"$f":"EQUITYFCTR","v":0},{"$f":"EQUITYFCTR","v":0}]
[" Military"]
["  First Time Use"]
["   DP - 0% to 4.99%",null,null,{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_F,MILITARYREG=TRUE,EQUITYFCTR<5%),2.3%,\"\")","v":2.3E-2},{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_F,MILITARYREG=TRUE,EQUITYFCTR<5%),2.3%,\"\")","v":2.3E-2}]
["   DP - 5% to 9.99%",null,null,{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_F=TRUE,MILITARYREG=TRUE,AND(EQUITYFCTR>=5%,EQUITYFCTR<10%)),1.65%,\"\")","v":""},{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_F=TRUE,MILITARYREG=TRUE,AND(EQUITYFCTR>=5%,EQUITYFCTR<10%)),1.65%,\"\")","v":""}]
["   DP - 10% or more",null,null,{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_F=TRUE,MILITARYREG=TRUE,EQUITYFCTR>=10%),1.4%,\"\")","v":""},{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_F=TRUE,MILITARYREG=TRUE,EQUITYFCTR>=10%),1.4%,\"\")","v":""}]
["  Subsequent Use"]
["   DP - 0% to 4.99%",null,null,{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_S=TRUE,MILITARYREG=TRUE,EQUITYFCTR<5%),3.6%,\"\")","v":""},{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_S=TRUE,MILITARYREG=TRUE,EQUITYFCTR<5%),3.6%,\"\")","v":""}]
["   DP - 5% to 9.99%",null,null,{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_S=TRUE,MILITARYREG=TRUE,AND(EQUITYFCTR>=5%,EQUITYFCTR<10%)),1.65%,\"\")","v":""},{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_S=TRUE,MILITARYREG=TRUE,AND(EQUITYFCTR>=5%,EQUITYFCTR<10%)),1.65%,\"\")","v":""}]
["   DP - 10% or more",null,null,{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_S=TRUE,MILITARYREG=TRUE,EQUITYFCTR>=10%),1.4%,\"\")","v":""},{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_S=TRUE,MILITARYREG=TRUE,EQUITYFCTR>=10%),1.4%,\"\")","v":""}]
[" Reservist/National Guard"]
["  First Time Use"]
["   DP - 0% to 4.99%",null,null,{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_F=TRUE,RESERVIST=TRUE,EQUITYFCTR<5%),2.3%,\"\")","v":""},{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_F=TRUE,RESERVIST=TRUE,EQUITYFCTR<5%),2.3%,\"\")","v":""}]
["   DP - 5% to 9.99%",null,null,{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_F=TRUE,RESERVIST=TRUE,AND(EQUITYFCTR>=5%,EQUITYFCTR<10%)),1.65%,\"\")","v":""},{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_F=TRUE,RESERVIST=TRUE,AND(EQUITYFCTR>=5%,EQUITYFCTR<10%)),1.65%,\"\")","v":""}]
["   DP - 10% or more",null,null,{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_F=TRUE,RESERVIST=TRUE,EQUITYFCTR>=10%),1.4%,\"\")","v":""},{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_F=TRUE,RESERVIST=TRUE,EQUITYFCTR>=10%),1.4%,\"\")","v":""}]
["  Subsequent Use"]
["   DP - 0% to 4.99%",null,null,{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_S=TRUE,RESERVIST=TRUE,EQUITYFCTR<5%),3.6%,\"\")","v":""},{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_S=TRUE,RESERVIST=TRUE,EQUITYFCTR<5%),3.6%,\"\")","v":""}]
["   DP - 5% to 9.99%",null,null,{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_S=TRUE,RESERVIST=TRUE,AND(EQUITYFCTR>=5%,EQUITYFCTR<10%)),1.65%,\"\")","v":""},{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_S=TRUE,RESERVIST=TRUE,AND(EQUITYFCTR>=5%,EQUITYFCTR<10%)),1.65%,\"\")","v":""}]
["   DP - 10% or more",null,null,{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_S=TRUE,RESERVIST=TRUE,EQUITYFCTR>=10%),1.4%,\"\")","v":""},{"$f":"IF(AND(PURCHASE=TRUE,ENTITLE_S=TRUE,RESERVIST=TRUE,EQUITYFCTR>=10%),1.4%,\"\")","v":""}]
["Refinance - Cash Out"]
[" Military"]
["  First Time Use",null,null,{"$f":"IF(AND(REFINANCE=TRUE,ENTITLE_F,MILITARYREG=TRUE),2.3%,\"\")","v":""},{"$f":"IF(AND(REFINANCE=TRUE,ENTITLE_F,MILITARYREG=TRUE),2.3%,\"\")","v":""}]
["  Subsequent Use",null,null,{"$f":"IF(AND(REFINANCE=TRUE,ENTITLE_S,MILITARYREG=TRUE),3.6%,\"\")","v":""},{"$f":"IF(AND(REFINANCE=TRUE,ENTITLE_S,MILITARYREG=TRUE),3.6%,\"\")","v":""}]
[" Reservist/National Guard"]
["  First Time Use",null,null,{"$f":"IF(AND(REFINANCE=TRUE,ENTITLE_F,RESERVIST=TRUE),2.3%,\"\")","v":""},{"$f":"IF(AND(REFINANCE=TRUE,ENTITLE_F,RESERVIST=TRUE),2.3%,\"\")","v":""}]
["  Subsequent Use",null,null,{"$f":"IF(AND(REFINANCE=TRUE,ENTITLE_S,RESERVIST=TRUE),3.6%,\"\")","v":""},{"$f":"IF(AND(REFINANCE=TRUE,ENTITLE_S,RESERVIST=TRUE),3.6%,\"\")","v":""}]
[]
["Funding Fee to be charged",null,null,{"$f":"SUM(D136:D158)","v":2.3E-2},{"$f":"SUM(E136:E158)","v":2.3E-2}]
[]
[]
["MESSAGES"]
[]
["MSGDISPLAY",null,{"$f":"IF(C63=0,\"\",IF(AND(PURCHASE=TRUE,BASELOAN<144000),_MSG1,IF(AND(REFINANCE=TRUE,TOTALLOAN<=650000),_MSG2,IF(TOTALLOAN>650000,_MSG3,\"\"))))","v":""}]
[]
["MSG1","Cannot use Bonus (Remaining) Entitlement for loan amounts under $144,000.\nVA Pamphlet 26-7, Chapter 2, Section b, requires that loan amount must be in excess of $144,000 to be able to use any Bonus (Remaining) Entitlement."]
[]
["MSG2","Loan Amount Exceeds County Maximum.  \nLoan must be underwritten as VA High Balance Loan  \n--OR--  reduce Loan Amount  \n--OR--  increase total down payment/investment."]
[]
["MSG3","Total Loan Amount (including Funding Fee) Exceeds $650,000.  \nIncrease borrower contributions to \nreduce Total Loan Amount to a maximum of $650,000."]
[]
["COUNTY LIMIT"]
[]
[" County",null,{"$f":"'VA Loan Calcs'!L7:AS7","v":{"$error":"#VALUE!"}}]
[]
[" County Limit",null,{"$f":"IF(C110=TRUE,100000000000,COUNTYLMT2)","v":510400},{"$f":"+COUNTYLMT2","v":510400},null,null,"Fannie/Freddie SFR"]
[]
[" STATE  "," COUNTY  "," 2019 VA LIMIT  (1 Unit)"," Regional Loan Center  ",null,null,null,2019,2020,2020]
["A","ANY COUNTY WITH STANDARD COUNTY LIMIT",{"$f":"+IF($E$107=FALSE,H180,I180)","v":510400},"A","* ANY STATE",null,{"$f":" CONCATENATE(E180,\"  /  \",B180)","v":"* ANY STATE  /  ANY COUNTY WITH STANDARD COUNTY LIMIT"},484350,510400,510400]
["AL","AUTAUGA",{"$f":"+IF($E$107=FALSE,H181,I181)","v":510400},"Alabama","Alabama",null,{"$f":" CONCATENATE(E181,\"  /  COUNTY OF \",B181)","v":"Alabama  /  COUNTY OF AUTAUGA"},484350,510400,510400]
["AL","BALDWIN",510400,"Alabama","Alabama",null,{"$f":" CONCATENATE(E182,\"  /  COUNTY OF \",B182)","v":"Alabama  /  COUNTY OF BALDWIN"},484350,510400,510400]
["AL","BARBOUR",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF BARBOUR",484350,510400,510400]
["AL","BIBB",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF BIBB",484350,510400,510400]
["AL","BLOUNT",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF BLOUNT",484350,510400,510400]
["AL","BULLOCK",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF BULLOCK",484350,510400,510400]
["AL","BUTLER",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF BUTLER",484350,510400,510400]
["AL","CALHOUN",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF CALHOUN",484350,510400,510400]
["AL","CHAMBERS",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF CHAMBERS",484350,510400,510400]
["AL","CHEROKEE",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF CHEROKEE",484350,510400,510400]
["AL","CHILTON",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF CHILTON",484350,510400,510400]
["AL","CHOCTAW",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF CHOCTAW",484350,510400,510400]
["AL","CLARKE",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF CLARKE",484350,510400,510400]
["AL","CLAY",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF CLAY",484350,510400,510400]
["AL","CLEBURNE",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF CLEBURNE",484350,510400,510400]
["AL","COFFEE",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF COFFEE",484350,510400,510400]
["AL","COLBERT",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF COLBERT",484350,510400,510400]
["AL","CONECUH",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF CONECUH",484350,510400,510400]
["AL","COOSA",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF COOSA",484350,510400,510400]
["AL","COVINGTON",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF COVINGTON",484350,510400,510400]
["AL","CRENSHAW",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF CRENSHAW",484350,510400,510400]
["AL","CULLMAN",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF CULLMAN",484350,510400,510400]
["AL","DALE",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF DALE",484350,510400,510400]
["AL","DALLAS",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF DALLAS",484350,510400,510400]
["AL","DE KALB",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF DE KALB",484350,510400,510400]
["AL","ELMORE",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF ELMORE",484350,510400,510400]
["AL","ESCAMBIA",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF ESCAMBIA",484350,510400,510400]
["AL","ETOWAH",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF ETOWAH",484350,510400,510400]
["AL","FAYETTE",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF FAYETTE",484350,510400,510400]
["AL","FRANKLIN",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF FRANKLIN",484350,510400,510400]
["AL","GENEVA",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF GENEVA",484350,510400,510400]
["AL","GREENE",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF GREENE",484350,510400,510400]
["AL","HALE",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF HALE",484350,510400,510400]
["AL","HENRY",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF HENRY",484350,510400,510400]
["AL","HOUSTON",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF HOUSTON",484350,510400,510400]
["AL","JACKSON",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF JACKSON",484350,510400,510400]
["AL","JEFFERSON",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF JEFFERSON",484350,510400,510400]
["AL","LAMAR",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF LAMAR",484350,510400,510400]
["AL","LAUDERDALE",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF LAUDERDALE",484350,510400,510400]
["AL","LAWRENCE",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF LAWRENCE",484350,510400,510400]
["AL","LEE",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF LEE",484350,510400,510400]
["AL","LIMESTONE",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF LIMESTONE",484350,510400,510400]
["AL","LOWNDES",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF LOWNDES",484350,510400,510400]
["AL","MACON",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF MACON",484350,510400,510400]
["AL","MADISON",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF MADISON",484350,510400,510400]
["AL","MARENGO",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF MARENGO",484350,510400,510400]
["AL","MARION",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF MARION",484350,510400,510400]
["AL","MARSHALL",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF MARSHALL",484350,510400,510400]
["AL","MOBILE",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF MOBILE",484350,510400,510400]
["AL","MONROE",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF MONROE",484350,510400,510400]
["AL","MONTGOMERY",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF MONTGOMERY",484350,510400,510400]
["AL","MORGAN",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF MORGAN",484350,510400,510400]
["AL","PERRY",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF PERRY",484350,510400,510400]
["AL","PICKENS",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF PICKENS",484350,510400,510400]
["AL","PIKE",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF PIKE",484350,510400,510400]
["AL","RANDOLPH",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF RANDOLPH",484350,510400,510400]
["AL","RUSSELL",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF RUSSELL",484350,510400,510400]
["AL","ST. CLAIR",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF ST. CLAIR",484350,510400,510400]
["AL","SHELBY",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF SHELBY",484350,510400,510400]
["AL","SUMTER",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF SUMTER",484350,510400,510400]
["AL","TALLADEGA",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF TALLADEGA",484350,510400,510400]
["AL","TALLAPOOSA",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF TALLAPOOSA",484350,510400,510400]
["AL","TUSCALOOSA",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF TUSCALOOSA",484350,510400,510400]
["AL","WALKER",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF WALKER",484350,510400,510400]
["AL","WASHINGTON",{"$f":"+IF($E$107=FALSE,H245,I245)","v":510400},"Alabama","Alabama",null,{"$f":" CONCATENATE(E245,\"  /  COUNTY OF \",B245)","v":"Alabama  /  COUNTY OF WASHINGTON"},484350,510400,510400]
["AL","WILCOX",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF WILCOX",484350,510400,510400]
["AL","WINSTON",510400,"Alabama","Alabama",null,"Alabama  /  COUNTY OF WINSTON",484350,510400,510400]
["AK","ALEUTIANS EAST",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF ALEUTIANS EAST",726525,null,765600]
["AK","ALEUTIANS WEST",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF ALEUTIANS WEST",726525,null,765600]
["AK","ANCHORAGE",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF ANCHORAGE",726525,null,765600]
["AK","BETHEL",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF BETHEL",726525,null,765600]
["AK","BRISTOL BAY",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF BRISTOL BAY",726525,null,765600]
["AK","DENALI",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF DENALI",726525,null,765600]
["AK","DILLINGHAM",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF DILLINGHAM",726525,null,765600]
["AK","FAIRBANKS NORTH",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF FAIRBANKS NORTH",726525,null,765600]
["AK","HAINES",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF HAINES",726525,null,765600]
["AK","HOONAH-ANGOON C",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF HOONAH-ANGOON C",726525,null,765600]
["AK","JUNEAU",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF JUNEAU",726525,null,765600]
["AK","KENAI PENINSULA",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF KENAI PENINSULA",726525,null,765600]
["AK","KETCHIKAN GATEW",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF KETCHIKAN GATEW",726525,null,765600]
["AK","KODIAK ISLAND",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF KODIAK ISLAND",726525,null,765600]
["AK","KUSILVAK CENSUS AREA",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF KUSILVAK CENSUS AREA",726525,null,765600]
["AK","LAKE AND PENINS",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF LAKE AND PENINS",726525,null,765600]
["AK","MATANUSKA-SUSIT",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF MATANUSKA-SUSIT",726525,null,765600]
["AK","NOME",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF NOME",726525,null,765600]
["AK","NORTH SLOPE",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF NORTH SLOPE",726525,null,765600]
["AK","NORTHWEST ARCTI",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF NORTHWEST ARCTI",726525,null,765600]
["AK","PETERSBURG CENS",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF PETERSBURG CENS",726525,null,765600]
["AK","PRINCE OF WALES",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF PRINCE OF WALES",726525,null,765600]
["AK","SITKA",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF SITKA",726525,null,765600]
["AK","SKAGWAY MUNICIP",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF SKAGWAY MUNICIP",726525,null,765600]
["AK","SOUTHEAST FAIRB",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF SOUTHEAST FAIRB",726525,null,765600]
["AK","VALDEZ-CORDOVA",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF VALDEZ-CORDOVA",726525,null,765600]
["AK","WRANGELL CITY A",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF WRANGELL CITY A",726525,null,765600]
["AK","YAKUTAT CITY",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF YAKUTAT CITY",726525,null,765600]
["AK","YUKON-KOYUKUK",0,"Alaska","Alaska",null,"Alaska  /  COUNTY OF YUKON-KOYUKUK",726525,null,765600]
["AZ","APACHE",510400,"Arizona","Arizona",null,"Arizona  /  COUNTY OF APACHE",484350,510400,510400]
["AZ","COCHISE",510400,"Arizona","Arizona",null,"Arizona  /  COUNTY OF COCHISE",484350,510400,510400]
["AZ","COCONINO",510400,"Arizona","Arizona",null,"Arizona  /  COUNTY OF COCONINO",484350,510400,510400]
["AZ","GILA",510400,"Arizona","Arizona",null,"Arizona  /  COUNTY OF GILA",484350,510400,510400]
["AZ","GRAHAM",510400,"Arizona","Arizona",null,"Arizona  /  COUNTY OF GRAHAM",484350,510400,510400]
["AZ","GREENLEE",510400,"Arizona","Arizona",null,"Arizona  /  COUNTY OF GREENLEE",484350,510400,510400]
["AZ","LA PAZ",510400,"Arizona","Arizona",null,"Arizona  /  COUNTY OF LA PAZ",484350,510400,510400]
["AZ","MARICOPA",510400,"Arizona","Arizona",null,"Arizona  /  COUNTY OF MARICOPA",484350,510400,510400]
["AZ","MOHAVE",510400,"Arizona","Arizona",null,"Arizona  /  COUNTY OF MOHAVE",484350,510400,510400]
["AZ","NAVAJO",510400,"Arizona","Arizona",null,"Arizona  /  COUNTY OF NAVAJO",484350,510400,510400]
["AZ","PIMA",510400,"Arizona","Arizona",null,"Arizona  /  COUNTY OF PIMA",484350,510400,510400]
["AZ","PINAL",510400,"Arizona","Arizona",null,"Arizona  /  COUNTY OF PINAL",484350,510400,510400]
["AZ","SANTA CRUZ",510400,"Arizona","Arizona",null,"Arizona  /  COUNTY OF SANTA CRUZ",484350,510400,510400]
["AZ","YAVAPAI",510400,"Arizona","Arizona",null,"Arizona  /  COUNTY OF YAVAPAI",484350,510400,510400]
["AZ","YUMA",510400,"Arizona","Arizona",null,"Arizona  /  COUNTY OF YUMA",484350,510400,510400]
["AR","ARKANSAS",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF ARKANSAS",484350,510400,510400]
["AR","ASHLEY",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF ASHLEY",484350,510400,510400]
["AR","BAXTER",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF BAXTER",484350,510400,510400]
["AR","BENTON",510400,"Arkansas","Arkansas",null,{"$f":" CONCATENATE(E295,\"  /  COUNTY OF \",B295)","v":"Arkansas  /  COUNTY OF BENTON"},484350,510400,510400]
["AR","BOONE",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF BOONE",484350,510400,510400]
["AR","BRADLEY",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF BRADLEY",484350,510400,510400]
["AR","CALHOUN",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF CALHOUN",484350,510400,510400]
["AR","CARROLL",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF CARROLL",484350,510400,510400]
["AR","CHICOT",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF CHICOT",484350,510400,510400]
["AR","CLARK",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF CLARK",484350,510400,510400]
["AR","CLAY",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF CLAY",484350,510400,510400]
["AR","CLEBURNE",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF CLEBURNE",484350,510400,510400]
["AR","CLEVELAND",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF CLEVELAND",484350,510400,510400]
["AR","COLUMBIA",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF COLUMBIA",484350,510400,510400]
["AR","CONWAY",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF CONWAY",484350,510400,510400]
["AR","CRAIGHEAD",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF CRAIGHEAD",484350,510400,510400]
["AR","CRAWFORD",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF CRAWFORD",484350,510400,510400]
["AR","CRITTENDEN",{"$f":"+IF($E$107=FALSE,H309,I309)","v":510400},"Arkansas","Arkansas",null,{"$f":" CONCATENATE(E309,\"  /  COUNTY OF \",B309)","v":"Arkansas  /  COUNTY OF CRITTENDEN"},484350,510400,510400]
["AR","CROSS",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF CROSS",484350,510400,510400]
["AR","DALLAS",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF DALLAS",484350,510400,510400]
["AR","DESHA",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF DESHA",484350,510400,510400]
["AR","DREW",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF DREW",484350,510400,510400]
["AR","FAULKNER",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF FAULKNER",484350,510400,510400]
["AR","FRANKLIN",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF FRANKLIN",484350,510400,510400]
["AR","FULTON",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF FULTON",484350,510400,510400]
["AR","GARLAND",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF GARLAND",484350,510400,510400]
["AR","GRANT",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF GRANT",484350,510400,510400]
["AR","GREENE",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF GREENE",484350,510400,510400]
["AR","HEMPSTEAD",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF HEMPSTEAD",484350,510400,510400]
["AR","HOT SPRING",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF HOT SPRING",484350,510400,510400]
["AR","HOWARD",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF HOWARD",484350,510400,510400]
["AR","INDEPENDENCE",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF INDEPENDENCE",484350,510400,510400]
["AR","IZARD",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF IZARD",484350,510400,510400]
["AR","JACKSON",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF JACKSON",484350,510400,510400]
["AR","JEFFERSON",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF JEFFERSON",484350,510400,510400]
["AR","JOHNSON",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF JOHNSON",484350,510400,510400]
["AR","LAFAYETTE",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF LAFAYETTE",484350,510400,510400]
["AR","LAWRENCE",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF LAWRENCE",484350,510400,510400]
["AR","LEE",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF LEE",484350,510400,510400]
["AR","LINCOLN",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF LINCOLN",484350,510400,510400]
["AR","LITTLE RIVER",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF LITTLE RIVER",484350,510400,510400]
["AR","LOGAN",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF LOGAN",484350,510400,510400]
["AR","LONOKE",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF LONOKE",484350,510400,510400]
["AR","MADISON",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF MADISON",484350,510400,510400]
["AR","MARION",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF MARION",484350,510400,510400]
["AR","MILLER",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF MILLER",484350,510400,510400]
["AR","MISSISSIPPI",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF MISSISSIPPI",484350,510400,510400]
["AR","MONROE",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF MONROE",484350,510400,510400]
["AR","MONTGOMERY",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF MONTGOMERY",484350,510400,510400]
["AR","NEVADA",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF NEVADA",484350,510400,510400]
["AR","NEWTON",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF NEWTON",484350,510400,510400]
["AR","OUACHITA",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF OUACHITA",484350,510400,510400]
["AR","PERRY",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF PERRY",484350,510400,510400]
["AR","PHILLIPS",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF PHILLIPS",484350,510400,510400]
["AR","PIKE",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF PIKE",484350,510400,510400]
["AR","POINSETT",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF POINSETT",484350,510400,510400]
["AR","POLK",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF POLK",484350,510400,510400]
["AR","POPE",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF POPE",484350,510400,510400]
["AR","PRAIRIE",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF PRAIRIE",484350,510400,510400]
["AR","PULASKI",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF PULASKI",484350,510400,510400]
["AR","RANDOLPH",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF RANDOLPH",484350,510400,510400]
["AR","ST. FRANCIS",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF ST. FRANCIS",484350,510400,510400]
["AR","SALINE",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF SALINE",484350,510400,510400]
["AR","SCOTT",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF SCOTT",484350,510400,510400]
["AR","SEARCY",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF SEARCY",484350,510400,510400]
["AR","SEBASTIAN",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF SEBASTIAN",484350,510400,510400]
["AR","SEVIER",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF SEVIER",484350,510400,510400]
["AR","SHARP",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF SHARP",484350,510400,510400]
["AR","STONE",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF STONE",484350,510400,510400]
["AR","UNION",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF UNION",484350,510400,510400]
["AR","VAN BUREN",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF VAN BUREN",484350,510400,510400]
["AR","WASHINGTON",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF WASHINGTON",484350,510400,510400]
["AR","WHITE",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF WHITE",484350,510400,510400]
["AR","WOODRUFF",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF WOODRUFF",484350,510400,510400]
["AR","YELL",510400,"Arkansas","Arkansas",null,"Arkansas  /  COUNTY OF YELL",484350,510400,510400]
["CA","ALAMEDA",0,"California","California",null,"California  /  COUNTY OF ALAMEDA",726525,null,765600]
["CA","ALPINE",510400,"California","California",null,"California  /  COUNTY OF ALPINE",484350,510400,510400]
["CA","AMADOR",510400,"California","California",null,"California  /  COUNTY OF AMADOR",484350,510400,510400]
["CA","BUTTE",510400,"California","California",null,"California  /  COUNTY OF BUTTE",484350,510400,510400]
["CA","CALAVERAS",510400,"California","California",null,"California  /  COUNTY OF CALAVERAS",484350,510400,510400]
["CA","COLUSA",510400,"California","California",null,"California  /  COUNTY OF COLUSA",484350,510400,510400]
["CA","CONTRA COSTA",{"$f":"+IF($E$107=FALSE,H373,I373)","v":0},"California","California",null,{"$f":" CONCATENATE(E373,\"  /  COUNTY OF \",B373)","v":"California  /  COUNTY OF CONTRA COSTA"},726525,null,765600]
["CA","DEL NORTE",510400,"California","California",null,"California  /  COUNTY OF DEL NORTE",484350,510400,510400]
["CA","EL DORADO",0,"California","California",null,"California  /  COUNTY OF EL DORADO",552000,null,569250]
["CA","FRESNO",510400,"California","California",null,"California  /  COUNTY OF FRESNO",484350,510400,510400]
["CA","GLENN",510400,"California","California",null,"California  /  COUNTY OF GLENN",484350,510400,510400]
["CA","HUMBOLDT",510400,"California","California",null,"California  /  COUNTY OF HUMBOLDT",484350,510400,510400]
["CA","IMPERIAL",510400,"California","California",null,"California  /  COUNTY OF IMPERIAL",484350,510400,510400]
["CA","INYO",510400,"California","California",null,"California  /  COUNTY OF INYO",484350,510400,510400]
["CA","KERN",510400,"California","California",null,"California  /  COUNTY OF KERN",484350,510400,510400]
["CA","KINGS",510400,"California","California",null,"California  /  COUNTY OF KINGS",484350,510400,510400]
["CA","LAKE",510400,"California","California",null,"California  /  COUNTY OF LAKE",484350,510400,510400]
["CA","LASSEN",510400,"California","California",null,"California  /  COUNTY OF LASSEN",484350,510400,510400]
["CA","LOS ANGELES",0,"California","California",null,"California  /  COUNTY OF LOS ANGELES",726525,null,765600]
["CA","MADERA",510400,"California","California",null,"California  /  COUNTY OF MADERA",484350,510400,510400]
["CA","MARIN",0,"California","California",null,"California  /  COUNTY OF MARIN",726525,null,765600]
["CA","MARIPOSA",510400,"California","California",null,"California  /  COUNTY OF MARIPOSA",484350,510400,510400]
["CA","MENDOCINO",510400,"California","California",null,"California  /  COUNTY OF MENDOCINO",484350,510400,510400]
["CA","MERCED",510400,"California","California",null,"California  /  COUNTY OF MERCED",484350,510400,510400]
["CA","MODOC",510400,"California","California",null,"California  /  COUNTY OF MODOC",484350,510400,510400]
["CA","MONO",0,"California","California",null,"California  /  COUNTY OF MONO",529000,null,529000]
["CA","MONTEREY",0,"California","California",null,"California  /  COUNTY OF MONTEREY",652050,null,672750]
["CA","NAPA",0,"California","California",null,"California  /  COUNTY OF NAPA",726525,null,764750]
["CA","NEVADA",510400,"California","California",null,"California  /  COUNTY OF NEVADA",486450,510400,510400]
["CA","ORANGE",0,"California","California",null,"California  /  COUNTY OF ORANGE",726525,null,765600]
["CA","PLACER",0,"California","California",null,"California  /  COUNTY OF PLACER",552000,null,569250]
["CA","PLUMAS",510400,"California","California",null,"California  /  COUNTY OF PLUMAS",484350,510400,510400]
["CA","RIVERSIDE",510400,"California","California",null,"California  /  COUNTY OF RIVERSIDE",484350,510400,510400]
["CA","SACRAMENTO",0,"California","California",null,"California  /  COUNTY OF SACRAMENTO",552000,null,569250]
["CA","SAN BENITO",0,"California","California",null,{"$f":" CONCATENATE(E401,\"  /  COUNTY OF \",B401)","v":"California  /  COUNTY OF SAN BENITO"},726525,null,765600]
["CA","SAN BERNARDINO",510400,"California","California",null,"California  /  COUNTY OF SAN BERNARDINO",484350,510400,510400]
["CA","SAN DIEGO",0,"California","California",null,"California  /  COUNTY OF SAN DIEGO",690000,null,701500]
["CA","SAN FRANCISCO",0,"California","California",null,"California  /  COUNTY OF SAN FRANCISCO",726525,null,765600]
["CA","SAN JOAQUIN",510400,"California","California",null,"California  /  COUNTY OF SAN JOAQUIN",484350,510400,510400]
["CA","SAN LUIS OBISPO",0,"California","California",null,"California  /  COUNTY OF SAN LUIS OBISPO",667000,null,690000]
["CA","SAN MATEO",0,"California","California",null,"California  /  COUNTY OF SAN MATEO",726525,null,765600]
["CA","SANTA BARBARA",0,"California","California",null,"California  /  COUNTY OF SANTA BARBARA",625500,null,625500]
["CA","SANTA CLARA",0,"California","California",null,"California  /  COUNTY OF SANTA CLARA",726525,null,765600]
["CA","SANTA CRUZ",0,"California","California",null,"California  /  COUNTY OF SANTA CRUZ",726525,null,765600]
["CA","SHASTA",510400,"California","California",null,"California  /  COUNTY OF SHASTA",484350,510400,510400]
["CA","SIERRA",510400,"California","California",null,"California  /  COUNTY OF SIERRA",484350,510400,510400]
["CA","SISKIYOU",510400,"California","California",null,"California  /  COUNTY OF SISKIYOU",484350,510400,510400]
["CA","SOLANO",510400,"California","California",null,"California  /  COUNTY OF SOLANO",494500,510400,510400]
["CA","SONOMA",0,"California","California",null,"California  /  COUNTY OF SONOMA",704950,null,704950]
["CA","STANISLAUS",510400,"California","California",null,"California  /  COUNTY OF STANISLAUS",484350,510400,510400]
["CA","SUTTER",510400,"California","California",null,"California  /  COUNTY OF SUTTER",484350,510400,510400]
["CA","TEHAMA",510400,"California","California",null,"California  /  COUNTY OF TEHAMA",484350,510400,510400]
["CA","TRINITY",510400,"California","California",null,"California  /  COUNTY OF TRINITY",484350,510400,510400]
["CA","TULARE",510400,"California","California",null,"California  /  COUNTY OF TULARE",484350,510400,510400]
["CA","TUOLUMNE",510400,"California","California",null,"California  /  COUNTY OF TUOLUMNE",484350,510400,510400]
["CA","VENTURA",0,"California","California",null,"California  /  COUNTY OF VENTURA",713000,null,713000]
["CA","YOLO",0,"California","California",null,"California  /  COUNTY OF YOLO",552000,null,569250]
["CA","YUBA",510400,"California","California",null,"California  /  COUNTY OF YUBA",484350,510400,510400]
["CO","ADAMS",0,"Colorado","Colorado",null,"Colorado  /  COUNTY OF ADAMS",561200,null,575000]
["CO","ALAMOSA",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF ALAMOSA",484350,510400,510400]
["CO","ARAPAHOE",0,"Colorado","Colorado",null,"Colorado  /  COUNTY OF ARAPAHOE",561200,null,575000]
["CO","ARCHULETA",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF ARCHULETA",484350,510400,510400]
["CO","BACA",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF BACA",484350,510400,510400]
["CO","BENT",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF BENT",484350,510400,510400]
["CO","BOULDER",0,"Colorado","Colorado",null,"Colorado  /  COUNTY OF BOULDER",626750,null,644000]
["CO","BROOMFIELD",0,"Colorado","Colorado",null,"Colorado  /  COUNTY OF BROOMFIELD",561200,null,575000]
["CO","CHAFFEE",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF CHAFFEE",484350,510400,510400]
["CO","CHEYENNE",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF CHEYENNE",484350,510400,510400]
["CO","CLEAR CREEK",0,"Colorado","Colorado",null,"Colorado  /  COUNTY OF CLEAR CREEK",561200,null,575000]
["CO","CONEJOS",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF CONEJOS",484350,510400,510400]
["CO","COSTILLA",{"$f":"+IF($E$107=FALSE,H437,I437)","v":510400},"Colorado","Colorado",null,"Colorado  /  COUNTY OF COSTILLA",484350,510400,510400]
["CO","CROWLEY",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF CROWLEY",484350,510400,510400]
["CO","CUSTER",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF CUSTER",484350,510400,510400]
["CO","DELTA",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF DELTA",484350,510400,510400]
["CO","DENVER",0,"Colorado","Colorado",null,"Colorado  /  COUNTY OF DENVER",561200,null,575000]
["CO","DOLORES",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF DOLORES",484350,510400,510400]
["CO","DOUGLAS",0,"Colorado","Colorado",null,"Colorado  /  COUNTY OF DOUGLAS",561200,null,575000]
["CO","EAGLE",0,"Colorado","Colorado",null,"Colorado  /  COUNTY OF EAGLE",696900,null,750950]
["CO","ELBERT",0,"Colorado","Colorado",null,"Colorado  /  COUNTY OF ELBERT",561200,null,575000]
["CO","EL PASO",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF EL PASO",484350,510400,510400]
["CO","FREMONT",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF FREMONT",484350,510400,510400]
["CO","GARFIELD",0,"Colorado","Colorado",null,"Colorado  /  COUNTY OF GARFIELD",718750,null,765600]
["CO","GILPIN",0,"Colorado","Colorado",null,"Colorado  /  COUNTY OF GILPIN",561200,null,575000]
["CO","GRAND",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF GRAND",484350,510400,510400]
["CO","GUNNISON",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF GUNNISON",484350,510400,510400]
["CO","HINSDALE",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF HINSDALE",484350,510400,510400]
["CO","HUERFANO",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF HUERFANO",484350,510400,510400]
["CO","JACKSON",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF JACKSON",484350,510400,510400]
["CO","JEFFERSON",0,"Colorado","Colorado",null,"Colorado  /  COUNTY OF JEFFERSON",561200,null,575000]
["CO","KIOWA",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF KIOWA",484350,510400,510400]
["CO","KIT CARSON",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF KIT CARSON",484350,510400,510400]
["CO","LAKE",0,"Colorado","Colorado",null,"Colorado  /  COUNTY OF LAKE",625500,null,625500]
["CO","LA PLATA",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF LA PLATA",484350,510400,510400]
["CO","LARIMER",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF LARIMER",484350,510400,510400]
["CO","LAS ANIMAS",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF LAS ANIMAS",484350,510400,510400]
["CO","LINCOLN",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF LINCOLN",484350,510400,510400]
["CO","LOGAN",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF LOGAN",484350,510400,510400]
["CO","MESA",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF MESA",484350,510400,510400]
["CO","MINERAL",510400,"Colorado","Colorado",null,{"$f":" CONCATENATE(E465,\"  /  COUNTY OF \",B465)","v":"Colorado  /  COUNTY OF MINERAL"},484350,510400,510400]
["CO","MOFFAT",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF MOFFAT",484350,510400,510400]
["CO","MONTEZUMA",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF MONTEZUMA",484350,510400,510400]
["CO","MONTROSE",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF MONTROSE",484350,510400,510400]
["CO","MORGAN",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF MORGAN",484350,510400,510400]
["CO","OTERO",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF OTERO",484350,510400,510400]
["CO","OURAY",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF OURAY",484350,510400,510400]
["CO","PARK",0,"Colorado","Colorado",null,"Colorado  /  COUNTY OF PARK",561200,null,575000]
["CO","PHILLIPS",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF PHILLIPS",484350,510400,510400]
["CO","PITKIN",0,"Colorado","Colorado",null,"Colorado  /  COUNTY OF PITKIN",718750,null,765600]
["CO","PROWERS",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF PROWERS",484350,510400,510400]
["CO","PUEBLO",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF PUEBLO",484350,510400,510400]
["CO","RIO BLANCO",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF RIO BLANCO",484350,510400,510400]
["CO","RIO GRANDE",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF RIO GRANDE",484350,510400,510400]
["CO","ROUTT",0,"Colorado","Colorado",null,"Colorado  /  COUNTY OF ROUTT",625500,null,638250]
["CO","SAGUACHE",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF SAGUACHE",484350,510400,510400]
["CO","SAN JUAN",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF SAN JUAN",484350,510400,510400]
["CO","SAN MIGUEL",0,"Colorado","Colorado",null,"Colorado  /  COUNTY OF SAN MIGUEL",625500,null,625500]
["CO","SEDGWICK",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF SEDGWICK",484350,510400,510400]
["CO","SUMMIT",0,"Colorado","Colorado",null,"Colorado  /  COUNTY OF SUMMIT",625500,null,625500]
["CO","TELLER",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF TELLER",484350,510400,510400]
["CO","WASHINGTON",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF WASHINGTON",484350,510400,510400]
["CO","WELD",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF WELD",484350,510400,510400]
["CO","YUMA",510400,"Colorado","Colorado",null,"Colorado  /  COUNTY OF YUMA",484350,510400,510400]
["CT","FAIRFIELD",0,"Connecticut","Connecticut",null,"Connecticut  /  COUNTY OF FAIRFIELD",601450,null,601450]
["CT","HARTFORD",510400,"Connecticut","Connecticut",null,"Connecticut  /  COUNTY OF HARTFORD",484350,510400,510400]
["CT","LITCHFIELD",510400,"Connecticut","Connecticut",null,"Connecticut  /  COUNTY OF LITCHFIELD",484350,510400,510400]
["CT","MIDDLESEX",510400,"Connecticut","Connecticut",null,"Connecticut  /  COUNTY OF MIDDLESEX",484350,510400,510400]
["CT","NEW HAVEN",510400,"Connecticut","Connecticut",null,"Connecticut  /  COUNTY OF NEW HAVEN",484350,510400,510400]
["CT","NEW LONDON",510400,"Connecticut","Connecticut",null,"Connecticut  /  COUNTY OF NEW LONDON",484350,510400,510400]
["CT","TOLLAND",510400,"Connecticut","Connecticut",null,"Connecticut  /  COUNTY OF TOLLAND",484350,510400,510400]
["CT","WINDHAM",510400,"Connecticut","Connecticut",null,"Connecticut  /  COUNTY OF WINDHAM",484350,510400,510400]
["DE","KENT",510400,"Delaware","Delaware",null,"Delaware  /  COUNTY OF KENT",484350,510400,510400]
["DE","NEW CASTLE",510400,"Delaware","Delaware",null,"Delaware  /  COUNTY OF NEW CASTLE",484350,510400,510400]
["DE","SUSSEX",510400,"Delaware","Delaware",null,"Delaware  /  COUNTY OF SUSSEX",484350,510400,510400]
["DC","DISTRICT OF COL",0,"District of Columbia","District of Columbia",null,"District of Columbia  /  COUNTY OF DISTRICT OF COL",726525,null,765600]
["FL","ALACHUA",{"$f":"+IF($E$107=FALSE,H501,I501)","v":510400},"Florida","Florida",null,"Florida  /  COUNTY OF ALACHUA",484350,510400,510400]
["FL","BAKER",510400,"Florida","Florida",null,"Florida  /  COUNTY OF BAKER",484350,510400,510400]
["FL","BAY",510400,"Florida","Florida",null,"Florida  /  COUNTY OF BAY",484350,510400,510400]
["FL","BRADFORD",510400,"Florida","Florida",null,"Florida  /  COUNTY OF BRADFORD",484350,510400,510400]
["FL","BREVARD",510400,"Florida","Florida",null,"Florida  /  COUNTY OF BREVARD",484350,510400,510400]
["FL","BROWARD",510400,"Florida","Florida",null,"Florida  /  COUNTY OF BROWARD",484350,510400,510400]
["FL","CALHOUN",510400,"Florida","Florida",null,"Florida  /  COUNTY OF CALHOUN",484350,510400,510400]
["FL","CHARLOTTE",510400,"Florida","Florida",null,"Florida  /  COUNTY OF CHARLOTTE",484350,510400,510400]
["FL","CITRUS",510400,"Florida","Florida",null,"Florida  /  COUNTY OF CITRUS",484350,510400,510400]
["FL","CLAY",510400,"Florida","Florida",null,"Florida  /  COUNTY OF CLAY",484350,510400,510400]
["FL","COLLIER",510400,"Florida","Florida",null,"Florida  /  COUNTY OF COLLIER",484350,510400,510400]
["FL","COLUMBIA",510400,"Florida","Florida",null,"Florida  /  COUNTY OF COLUMBIA",484350,510400,510400]
["FL","DE SOTO",510400,"Florida","Florida",null,"Florida  /  COUNTY OF DE SOTO",484350,510400,510400]
["FL","DIXIE",510400,"Florida","Florida",null,"Florida  /  COUNTY OF DIXIE",484350,510400,510400]
["FL","DUVAL",510400,"Florida","Florida",null,"Florida  /  COUNTY OF DUVAL",484350,510400,510400]
["FL","ESCAMBIA",510400,"Florida","Florida",null,"Florida  /  COUNTY OF ESCAMBIA",484350,510400,510400]
["FL","FLAGLER",510400,"Florida","Florida",null,"Florida  /  COUNTY OF FLAGLER",484350,510400,510400]
["FL","FRANKLIN",510400,"Florida","Florida",null,"Florida  /  COUNTY OF FRANKLIN",484350,510400,510400]
["FL","GADSDEN",510400,"Florida","Florida",null,"Florida  /  COUNTY OF GADSDEN",484350,510400,510400]
["FL","GILCHRIST",510400,"Florida","Florida",null,"Florida  /  COUNTY OF GILCHRIST",484350,510400,510400]
["FL","GLADES",510400,"Florida","Florida",null,"Florida  /  COUNTY OF GLADES",484350,510400,510400]
["FL","GULF",510400,"Florida","Florida",null,"Florida  /  COUNTY OF GULF",484350,510400,510400]
["FL","HAMILTON",510400,"Florida","Florida",null,"Florida  /  COUNTY OF HAMILTON",484350,510400,510400]
["FL","HARDEE",510400,"Florida","Florida",null,"Florida  /  COUNTY OF HARDEE",484350,510400,510400]
["FL","HENDRY",510400,"Florida","Florida",null,"Florida  /  COUNTY OF HENDRY",484350,510400,510400]
["FL","HERNANDO",510400,"Florida","Florida",null,"Florida  /  COUNTY OF HERNANDO",484350,510400,510400]
["FL","HIGHLANDS",510400,"Florida","Florida",null,"Florida  /  COUNTY OF HIGHLANDS",484350,510400,510400]
["FL","HILLSBOROUGH",510400,"Florida","Florida",null,"Florida  /  COUNTY OF HILLSBOROUGH",484350,510400,510400]
["FL","HOLMES",510400,"Florida","Florida",null,{"$f":" CONCATENATE(E529,\"  /  COUNTY OF \",B529)","v":"Florida  /  COUNTY OF HOLMES"},484350,510400,510400]
["FL","INDIAN RIVER",510400,"Florida","Florida",null,"Florida  /  COUNTY OF INDIAN RIVER",484350,510400,510400]
["FL","JACKSON",510400,"Florida","Florida",null,"Florida  /  COUNTY OF JACKSON",484350,510400,510400]
["FL","JEFFERSON",510400,"Florida","Florida",null,"Florida  /  COUNTY OF JEFFERSON",484350,510400,510400]
["FL","LAFAYETTE",510400,"Florida","Florida",null,"Florida  /  COUNTY OF LAFAYETTE",484350,510400,510400]
["FL","LAKE",510400,"Florida","Florida",null,"Florida  /  COUNTY OF LAKE",484350,510400,510400]
["FL","LEE",510400,"Florida","Florida",null,"Florida  /  COUNTY OF LEE",484350,510400,510400]
["FL","LEON",510400,"Florida","Florida",null,"Florida  /  COUNTY OF LEON",484350,510400,510400]
["FL","LEVY",510400,"Florida","Florida",null,"Florida  /  COUNTY OF LEVY",484350,510400,510400]
["FL","LIBERTY",510400,"Florida","Florida",null,"Florida  /  COUNTY OF LIBERTY",484350,510400,510400]
["FL","MADISON",510400,"Florida","Florida",null,"Florida  /  COUNTY OF MADISON",484350,510400,510400]
["FL","MANATEE",510400,"Florida","Florida",null,"Florida  /  COUNTY OF MANATEE",484350,510400,510400]
["FL","MARION",510400,"Florida","Florida",null,"Florida  /  COUNTY OF MARION",484350,510400,510400]
["FL","MARTIN",510400,"Florida","Florida",null,"Florida  /  COUNTY OF MARTIN",484350,510400,510400]
["FL","MIAMI-DADE",510400,"Florida","Florida",null,"Florida  /  COUNTY OF MIAMI-DADE",484350,510400,510400]
["FL","MONROE",0,"Florida","Florida",null,"Florida  /  COUNTY OF MONROE",529000,null,552000]
["FL","NASSAU",510400,"Florida","Florida",null,"Florida  /  COUNTY OF NASSAU",484350,510400,510400]
["FL","OKALOOSA",510400,"Florida","Florida",null,"Florida  /  COUNTY OF OKALOOSA",484350,510400,510400]
["FL","OKEECHOBEE",510400,"Florida","Florida",null,"Florida  /  COUNTY OF OKEECHOBEE",484350,510400,510400]
["FL","ORANGE",510400,"Florida","Florida",null,"Florida  /  COUNTY OF ORANGE",484350,510400,510400]
["FL","OSCEOLA",510400,"Florida","Florida",null,"Florida  /  COUNTY OF OSCEOLA",484350,510400,510400]
["FL","PALM BEACH",510400,"Florida","Florida",null,"Florida  /  COUNTY OF PALM BEACH",484350,510400,510400]
["FL","PASCO",510400,"Florida","Florida",null,"Florida  /  COUNTY OF PASCO",484350,510400,510400]
["FL","PINELLAS",510400,"Florida","Florida",null,"Florida  /  COUNTY OF PINELLAS",484350,510400,510400]
["FL","POLK",510400,"Florida","Florida",null,"Florida  /  COUNTY OF POLK",484350,510400,510400]
["FL","PUTNAM",510400,"Florida","Florida",null,"Florida  /  COUNTY OF PUTNAM",484350,510400,510400]
["FL","ST. JOHNS",510400,"Florida","Florida",null,"Florida  /  COUNTY OF ST. JOHNS",484350,510400,510400]
["FL","ST. LUCIE",510400,"Florida","Florida",null,"Florida  /  COUNTY OF ST. LUCIE",484350,510400,510400]
["FL","SANTA ROSA",510400,"Florida","Florida",null,"Florida  /  COUNTY OF SANTA ROSA",484350,510400,510400]
["FL","SARASOTA",510400,"Florida","Florida",null,"Florida  /  COUNTY OF SARASOTA",484350,510400,510400]
["FL","SEMINOLE",510400,"Florida","Florida",null,"Florida  /  COUNTY OF SEMINOLE",484350,510400,510400]
["FL","SUMTER",510400,"Florida","Florida",null,"Florida  /  COUNTY OF SUMTER",484350,510400,510400]
["FL","SUWANNEE",510400,"Florida","Florida",null,"Florida  /  COUNTY OF SUWANNEE",484350,510400,510400]
["FL","TAYLOR",510400,"Florida","Florida",null,"Florida  /  COUNTY OF TAYLOR",484350,510400,510400]
["FL","UNION",510400,"Florida","Florida",null,"Florida  /  COUNTY OF UNION",484350,510400,510400]
["FL","VOLUSIA",510400,"Florida","Florida",null,"Florida  /  COUNTY OF VOLUSIA",484350,510400,510400]
["FL","WAKULLA",{"$f":"+IF($E$107=FALSE,H565,I565)","v":510400},"Florida","Florida",null,"Florida  /  COUNTY OF WAKULLA",484350,510400,510400]
["FL","WALTON",510400,"Florida","Florida",null,"Florida  /  COUNTY OF WALTON",484350,510400,510400]
["FL","WASHINGTON",510400,"Florida","Florida",null,"Florida  /  COUNTY OF WASHINGTON",484350,510400,510400]
["GA","APPLING",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF APPLING",484350,510400,510400]
["GA","ATKINSON",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF ATKINSON",484350,510400,510400]
["GA","BACON",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF BACON",484350,510400,510400]
["GA","BAKER",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF BAKER",484350,510400,510400]
["GA","BALDWIN",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF BALDWIN",484350,510400,510400]
["GA","BANKS",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF BANKS",484350,510400,510400]
["GA","BARROW",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF BARROW",484350,510400,510400]
["GA","BARTOW",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF BARTOW",484350,510400,510400]
["GA","BEN HILL",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF BEN HILL",484350,510400,510400]
["GA","BERRIEN",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF BERRIEN",484350,510400,510400]
["GA","BIBB",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF BIBB",484350,510400,510400]
["GA","BLECKLEY",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF BLECKLEY",484350,510400,510400]
["GA","BRANTLEY",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF BRANTLEY",484350,510400,510400]
["GA","BROOKS",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF BROOKS",484350,510400,510400]
["GA","BRYAN",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF BRYAN",484350,510400,510400]
["GA","BULLOCH",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF BULLOCH",484350,510400,510400]
["GA","BURKE",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF BURKE",484350,510400,510400]
["GA","BUTTS",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF BUTTS",484350,510400,510400]
["GA","CALHOUN",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF CALHOUN",484350,510400,510400]
["GA","CAMDEN",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF CAMDEN",484350,510400,510400]
["GA","CANDLER",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF CANDLER",484350,510400,510400]
["GA","CARROLL",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF CARROLL",484350,510400,510400]
["GA","CATOOSA",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF CATOOSA",484350,510400,510400]
["GA","CHARLTON",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF CHARLTON",484350,510400,510400]
["GA","CHATHAM",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF CHATHAM",484350,510400,510400]
["GA","CHATTAHOOCHEE",510400,"Georgia","Georgia",null,{"$f":" CONCATENATE(E593,\"  /  COUNTY OF \",B593)","v":"Georgia  /  COUNTY OF CHATTAHOOCHEE"},484350,510400,510400]
["GA","CHATTOOGA",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF CHATTOOGA",484350,510400,510400]
["GA","CHEROKEE",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF CHEROKEE",484350,510400,510400]
["GA","CLARKE",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF CLARKE",484350,510400,510400]
["GA","CLAY",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF CLAY",484350,510400,510400]
["GA","CLAYTON",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF CLAYTON",484350,510400,510400]
["GA","CLINCH",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF CLINCH",484350,510400,510400]
["GA","COBB",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF COBB",484350,510400,510400]
["GA","COFFEE",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF COFFEE",484350,510400,510400]
["GA","COLQUITT",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF COLQUITT",484350,510400,510400]
["GA","COLUMBIA",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF COLUMBIA",484350,510400,510400]
["GA","COOK",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF COOK",484350,510400,510400]
["GA","COWETA",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF COWETA",484350,510400,510400]
["GA","CRAWFORD",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF CRAWFORD",484350,510400,510400]
["GA","CRISP",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF CRISP",484350,510400,510400]
["GA","DADE",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF DADE",484350,510400,510400]
["GA","DAWSON",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF DAWSON",484350,510400,510400]
["GA","DECATUR",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF DECATUR",484350,510400,510400]
["GA","DEKALB",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF DEKALB",484350,510400,510400]
["GA","DODGE",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF DODGE",484350,510400,510400]
["GA","DOOLY",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF DOOLY",484350,510400,510400]
["GA","DOUGHERTY",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF DOUGHERTY",484350,510400,510400]
["GA","DOUGLAS",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF DOUGLAS",484350,510400,510400]
["GA","EARLY",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF EARLY",484350,510400,510400]
["GA","ECHOLS",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF ECHOLS",484350,510400,510400]
["GA","EFFINGHAM",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF EFFINGHAM",484350,510400,510400]
["GA","ELBERT",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF ELBERT",484350,510400,510400]
["GA","EMANUEL",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF EMANUEL",484350,510400,510400]
["GA","EVANS",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF EVANS",484350,510400,510400]
["GA","FANNIN",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF FANNIN",484350,510400,510400]
["GA","FAYETTE",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF FAYETTE",484350,510400,510400]
["GA","FLOYD",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF FLOYD",484350,510400,510400]
["GA","FORSYTH",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF FORSYTH",484350,510400,510400]
["GA","FRANKLIN",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF FRANKLIN",484350,510400,510400]
["GA","FULTON",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF FULTON",484350,510400,510400]
["GA","GILMER",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF GILMER",484350,510400,510400]
["GA","GLASCOCK",{"$f":"+IF($E$107=FALSE,H629,I629)","v":510400},"Georgia","Georgia",null,"Georgia  /  COUNTY OF GLASCOCK",484350,510400,510400]
["GA","GLYNN",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF GLYNN",484350,510400,510400]
["GA","GORDON",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF GORDON",484350,510400,510400]
["GA","GRADY",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF GRADY",484350,510400,510400]
["GA","GREENE",0,"Georgia","Georgia",null,"Georgia  /  COUNTY OF GREENE",515200,null,515200]
["GA","GWINNETT",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF GWINNETT",484350,510400,510400]
["GA","HABERSHAM",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF HABERSHAM",484350,510400,510400]
["GA","HALL",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF HALL",484350,510400,510400]
["GA","HANCOCK",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF HANCOCK",484350,510400,510400]
["GA","HARALSON",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF HARALSON",484350,510400,510400]
["GA","HARRIS",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF HARRIS",484350,510400,510400]
["GA","HART",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF HART",484350,510400,510400]
["GA","HEARD",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF HEARD",484350,510400,510400]
["GA","HENRY",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF HENRY",484350,510400,510400]
["GA","HOUSTON",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF HOUSTON",484350,510400,510400]
["GA","IRWIN",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF IRWIN",484350,510400,510400]
["GA","JACKSON",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF JACKSON",484350,510400,510400]
["GA","JASPER",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF JASPER",484350,510400,510400]
["GA","JEFF DAVIS",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF JEFF DAVIS",484350,510400,510400]
["GA","JEFFERSON",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF JEFFERSON",484350,510400,510400]
["GA","JENKINS",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF JENKINS",484350,510400,510400]
["GA","JOHNSON",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF JOHNSON",484350,510400,510400]
["GA","JONES",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF JONES",484350,510400,510400]
["GA","LAMAR",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF LAMAR",484350,510400,510400]
["GA","LANIER",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF LANIER",484350,510400,510400]
["GA","LAURENS",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF LAURENS",484350,510400,510400]
["GA","LEE",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF LEE",484350,510400,510400]
["GA","LIBERTY",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF LIBERTY",484350,510400,510400]
["GA","LINCOLN",510400,"Georgia","Georgia",null,{"$f":" CONCATENATE(E657,\"  /  COUNTY OF \",B657)","v":"Georgia  /  COUNTY OF LINCOLN"},484350,510400,510400]
["GA","LONG",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF LONG",484350,510400,510400]
["GA","LOWNDES",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF LOWNDES",484350,510400,510400]
["GA","LUMPKIN",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF LUMPKIN",484350,510400,510400]
["GA","MCDUFFIE",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF MCDUFFIE",484350,510400,510400]
["GA","MCINTOSH",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF MCINTOSH",484350,510400,510400]
["GA","MACON",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF MACON",484350,510400,510400]
["GA","MADISON",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF MADISON",484350,510400,510400]
["GA","MARION",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF MARION",484350,510400,510400]
["GA","MERIWETHER",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF MERIWETHER",484350,510400,510400]
["GA","MILLER",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF MILLER",484350,510400,510400]
["GA","MITCHELL",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF MITCHELL",484350,510400,510400]
["GA","MONROE",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF MONROE",484350,510400,510400]
["GA","MONTGOMERY",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF MONTGOMERY",484350,510400,510400]
["GA","MORGAN",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF MORGAN",484350,510400,510400]
["GA","MURRAY",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF MURRAY",484350,510400,510400]
["GA","MUSCOGEE",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF MUSCOGEE",484350,510400,510400]
["GA","NEWTON",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF NEWTON",484350,510400,510400]
["GA","OCONEE",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF OCONEE",484350,510400,510400]
["GA","OGLETHORPE",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF OGLETHORPE",484350,510400,510400]
["GA","PAULDING",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF PAULDING",484350,510400,510400]
["GA","PEACH",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF PEACH",484350,510400,510400]
["GA","PICKENS",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF PICKENS",484350,510400,510400]
["GA","PIERCE",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF PIERCE",484350,510400,510400]
["GA","PIKE",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF PIKE",484350,510400,510400]
["GA","POLK",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF POLK",484350,510400,510400]
["GA","PULASKI",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF PULASKI",484350,510400,510400]
["GA","PUTNAM",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF PUTNAM",484350,510400,510400]
["GA","QUITMAN",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF QUITMAN",484350,510400,510400]
["GA","RABUN",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF RABUN",484350,510400,510400]
["GA","RANDOLPH",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF RANDOLPH",484350,510400,510400]
["GA","RICHMOND",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF RICHMOND",484350,510400,510400]
["GA","ROCKDALE",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF ROCKDALE",484350,510400,510400]
["GA","SCHLEY",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF SCHLEY",484350,510400,510400]
["GA","SCREVEN",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF SCREVEN",484350,510400,510400]
["GA","SEMINOLE",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF SEMINOLE",484350,510400,510400]
["GA","SPALDING",{"$f":"+IF($E$107=FALSE,H693,I693)","v":510400},"Georgia","Georgia",null,"Georgia  /  COUNTY OF SPALDING",484350,510400,510400]
["GA","STEPHENS",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF STEPHENS",484350,510400,510400]
["GA","STEWART",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF STEWART",484350,510400,510400]
["GA","SUMTER",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF SUMTER",484350,510400,510400]
["GA","TALBOT",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF TALBOT",484350,510400,510400]
["GA","TALIAFERRO",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF TALIAFERRO",484350,510400,510400]
["GA","TATTNALL",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF TATTNALL",484350,510400,510400]
["GA","TAYLOR",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF TAYLOR",484350,510400,510400]
["GA","TELFAIR",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF TELFAIR",484350,510400,510400]
["GA","TERRELL",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF TERRELL",484350,510400,510400]
["GA","THOMAS",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF THOMAS",484350,510400,510400]
["GA","TIFT",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF TIFT",484350,510400,510400]
["GA","TOOMBS",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF TOOMBS",484350,510400,510400]
["GA","TOWNS",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF TOWNS",484350,510400,510400]
["GA","TREUTLEN",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF TREUTLEN",484350,510400,510400]
["GA","TROUP",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF TROUP",484350,510400,510400]
["GA","TURNER",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF TURNER",484350,510400,510400]
["GA","TWIGGS",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF TWIGGS",484350,510400,510400]
["GA","UNION",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF UNION",484350,510400,510400]
["GA","UPSON",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF UPSON",484350,510400,510400]
["GA","WALKER",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF WALKER",484350,510400,510400]
["GA","WALTON",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF WALTON",484350,510400,510400]
["GA","WARE",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF WARE",484350,510400,510400]
["GA","WARREN",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF WARREN",484350,510400,510400]
["GA","WASHINGTON",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF WASHINGTON",484350,510400,510400]
["GA","WAYNE",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF WAYNE",484350,510400,510400]
["GA","WEBSTER",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF WEBSTER",484350,510400,510400]
["GA","WHEELER",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF WHEELER",484350,510400,510400]
["GA","WHITE",510400,"Georgia","Georgia",null,{"$f":" CONCATENATE(E721,\"  /  COUNTY OF \",B721)","v":"Georgia  /  COUNTY OF WHITE"},484350,510400,510400]
["GA","WHITFIELD",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF WHITFIELD",484350,510400,510400]
["GA","WILCOX",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF WILCOX",484350,510400,510400]
["GA","WILKES",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF WILKES",484350,510400,510400]
["GA","WILKINSON",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF WILKINSON",484350,510400,510400]
["GA","WORTH",510400,"Georgia","Georgia",null,"Georgia  /  COUNTY OF WORTH",484350,510400,510400]
["HI","HAWAII",0,"Hawaii","Hawaii",null,"Hawaii  /  COUNTY OF HAWAII",726525,null,765600]
["HI","HONOLULU",0,"Hawaii","Hawaii",null,"Hawaii  /  COUNTY OF HONOLULU",726525,null,765600]
["HI","KALAWAO",0,"Hawaii","Hawaii",null,"Hawaii  /  COUNTY OF KALAWAO",726525,null,765600]
["HI","KAUAI",0,"Hawaii","Hawaii",null,"Hawaii  /  COUNTY OF KAUAI",726525,null,765600]
["HI","MAUI",0,"Hawaii","Hawaii",null,"Hawaii  /  COUNTY OF MAUI",726525,null,765600]
["ID","ADA",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF ADA",484350,510400,510400]
["ID","ADAMS",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF ADAMS",484350,510400,510400]
["ID","BANNOCK",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF BANNOCK",484350,510400,510400]
["ID","BEAR LAKE",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF BEAR LAKE",484350,510400,510400]
["ID","BENEWAH",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF BENEWAH",484350,510400,510400]
["ID","BINGHAM",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF BINGHAM",484350,510400,510400]
["ID","BLAINE",0,"Idaho","Idaho",null,"Idaho  /  COUNTY OF BLAINE",625500,null,625500]
["ID","BOISE",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF BOISE",484350,510400,510400]
["ID","BONNER",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF BONNER",484350,510400,510400]
["ID","BONNEVILLE",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF BONNEVILLE",484350,510400,510400]
["ID","BOUNDARY",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF BOUNDARY",484350,510400,510400]
["ID","BUTTE",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF BUTTE",484350,510400,510400]
["ID","CAMAS",0,"Idaho","Idaho",null,"Idaho  /  COUNTY OF CAMAS",625500,null,625500]
["ID","CANYON",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF CANYON",484350,510400,510400]
["ID","CARIBOU",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF CARIBOU",484350,510400,510400]
["ID","CASSIA",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF CASSIA",484350,510400,510400]
["ID","CLARK",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF CLARK",484350,510400,510400]
["ID","CLEARWATER",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF CLEARWATER",484350,510400,510400]
["ID","CUSTER",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF CUSTER",484350,510400,510400]
["ID","ELMORE",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF ELMORE",484350,510400,510400]
["ID","FRANKLIN",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF FRANKLIN",484350,510400,510400]
["ID","FREMONT",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF FREMONT",484350,510400,510400]
["ID","GEM",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF GEM",484350,510400,510400]
["ID","GOODING",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF GOODING",484350,510400,510400]
["ID","IDAHO",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF IDAHO",484350,510400,510400]
["ID","JEFFERSON",{"$f":"+IF($E$107=FALSE,H757,I757)","v":510400},"Idaho","Idaho",null,"Idaho  /  COUNTY OF JEFFERSON",484350,510400,510400]
["ID","JEROME",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF JEROME",484350,510400,510400]
["ID","KOOTENAI",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF KOOTENAI",484350,510400,510400]
["ID","LATAH",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF LATAH",484350,510400,510400]
["ID","LEMHI",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF LEMHI",484350,510400,510400]
["ID","LEWIS",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF LEWIS",484350,510400,510400]
["ID","LINCOLN",0,"Idaho","Idaho",null,"Idaho  /  COUNTY OF LINCOLN",625500,null,625500]
["ID","MADISON",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF MADISON",484350,510400,510400]
["ID","MINIDOKA",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF MINIDOKA",484350,510400,510400]
["ID","NEZ PERCE",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF NEZ PERCE",484350,510400,510400]
["ID","ONEIDA",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF ONEIDA",484350,510400,510400]
["ID","OWYHEE",510400,"Idaho","Idaho",null,{"$f":" CONCATENATE(E768,\"  /  COUNTY OF \",B768)","v":"Idaho  /  COUNTY OF OWYHEE"},484350,510400,510400]
["ID","PAYETTE",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF PAYETTE",484350,510400,510400]
["ID","POWER",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF POWER",484350,510400,510400]
["ID","SHOSHONE",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF SHOSHONE",484350,510400,510400]
["ID","TETON",0,"Idaho","Idaho",null,"Idaho  /  COUNTY OF TETON",726525,null,765600]
["ID","TWIN FALLS",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF TWIN FALLS",484350,510400,510400]
["ID","VALLEY",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF VALLEY",484350,510400,510400]
["ID","WASHINGTON",510400,"Idaho","Idaho",null,"Idaho  /  COUNTY OF WASHINGTON",484350,510400,510400]
["IL","ADAMS",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF ADAMS",484350,510400,510400]
["IL","ALEXANDER",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF ALEXANDER",484350,510400,510400]
["IL","BOND",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF BOND",484350,510400,510400]
["IL","BOONE",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF BOONE",484350,510400,510400]
["IL","BROWN",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF BROWN",484350,510400,510400]
["IL","BUREAU",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF BUREAU",484350,510400,510400]
["IL","CALHOUN",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF CALHOUN",484350,510400,510400]
["IL","CARROLL",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF CARROLL",484350,510400,510400]
["IL","CASS",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF CASS",484350,510400,510400]
["IL","CHAMPAIGN",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF CHAMPAIGN",484350,510400,510400]
["IL","CHRISTIAN",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF CHRISTIAN",484350,510400,510400]
["IL","CLARK",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF CLARK",484350,510400,510400]
["IL","CLAY",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF CLAY",484350,510400,510400]
["IL","CLINTON",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF CLINTON",484350,510400,510400]
["IL","COLES",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF COLES",484350,510400,510400]
["IL","COOK",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF COOK",484350,510400,510400]
["IL","CRAWFORD",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF CRAWFORD",484350,510400,510400]
["IL","CUMBERLAND",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF CUMBERLAND",484350,510400,510400]
["IL","DEKALB",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF DEKALB",484350,510400,510400]
["IL","DE WITT",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF DE WITT",484350,510400,510400]
["IL","DOUGLAS",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF DOUGLAS",484350,510400,510400]
["IL","DUPAGE",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF DUPAGE",484350,510400,510400]
["IL","EDGAR",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF EDGAR",484350,510400,510400]
["IL","EDWARDS",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF EDWARDS",484350,510400,510400]
["IL","EFFINGHAM",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF EFFINGHAM",484350,510400,510400]
["IL","FAYETTE",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF FAYETTE",484350,510400,510400]
["IL","FORD",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF FORD",484350,510400,510400]
["IL","FRANKLIN",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF FRANKLIN",484350,510400,510400]
["IL","FULTON",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF FULTON",484350,510400,510400]
["IL","GALLATIN",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF GALLATIN",484350,510400,510400]
["IL","GREENE",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF GREENE",484350,510400,510400]
["IL","GRUNDY",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF GRUNDY",484350,510400,510400]
["IL","HAMILTON",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF HAMILTON",484350,510400,510400]
["IL","HANCOCK",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF HANCOCK",484350,510400,510400]
["IL","HARDIN",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF HARDIN",484350,510400,510400]
["IL","HENDERSON",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF HENDERSON",484350,510400,510400]
["IL","HENRY",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF HENRY",484350,510400,510400]
["IL","IROQUOIS",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF IROQUOIS",484350,510400,510400]
["IL","JACKSON",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF JACKSON",484350,510400,510400]
["IL","JASPER",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF JASPER",484350,510400,510400]
["IL","JEFFERSON",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF JEFFERSON",484350,510400,510400]
["IL","JERSEY",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF JERSEY",484350,510400,510400]
["IL","JO DAVIESS",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF JO DAVIESS",484350,510400,510400]
["IL","JOHNSON",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF JOHNSON",484350,510400,510400]
["IL","KANE",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF KANE",484350,510400,510400]
["IL","KANKAKEE",{"$f":"+IF($E$107=FALSE,H821,I821)","v":510400},"Illinois","Illinois",null,"Illinois  /  COUNTY OF KANKAKEE",484350,510400,510400]
["IL","KENDALL",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF KENDALL",484350,510400,510400]
["IL","KNOX",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF KNOX",484350,510400,510400]
["IL","LAKE",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF LAKE",484350,510400,510400]
["IL","LA SALLE",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF LA SALLE",484350,510400,510400]
["IL","LAWRENCE",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF LAWRENCE",484350,510400,510400]
["IL","LEE",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF LEE",484350,510400,510400]
["IL","LIVINGSTON",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF LIVINGSTON",484350,510400,510400]
["IL","LOGAN",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF LOGAN",484350,510400,510400]
["IL","MCDONOUGH",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF MCDONOUGH",484350,510400,510400]
["IL","MCHENRY",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF MCHENRY",484350,510400,510400]
["IL","MCLEAN",510400,"Illinois","Illinois",null,{"$f":" CONCATENATE(E832,\"  /  COUNTY OF \",B832)","v":"Illinois  /  COUNTY OF MCLEAN"},484350,510400,510400]
["IL","MACON",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF MACON",484350,510400,510400]
["IL","MACOUPIN",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF MACOUPIN",484350,510400,510400]
["IL","MADISON",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF MADISON",484350,510400,510400]
["IL","MARION",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF MARION",484350,510400,510400]
["IL","MARSHALL",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF MARSHALL",484350,510400,510400]
["IL","MASON",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF MASON",484350,510400,510400]
["IL","MASSAC",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF MASSAC",484350,510400,510400]
["IL","MENARD",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF MENARD",484350,510400,510400]
["IL","MERCER",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF MERCER",484350,510400,510400]
["IL","MONROE",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF MONROE",484350,510400,510400]
["IL","MONTGOMERY",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF MONTGOMERY",484350,510400,510400]
["IL","MORGAN",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF MORGAN",484350,510400,510400]
["IL","MOULTRIE",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF MOULTRIE",484350,510400,510400]
["IL","OGLE",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF OGLE",484350,510400,510400]
["IL","PEORIA",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF PEORIA",484350,510400,510400]
["IL","PERRY",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF PERRY",484350,510400,510400]
["IL","PIATT",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF PIATT",484350,510400,510400]
["IL","PIKE",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF PIKE",484350,510400,510400]
["IL","POPE",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF POPE",484350,510400,510400]
["IL","PULASKI",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF PULASKI",484350,510400,510400]
["IL","PUTNAM",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF PUTNAM",484350,510400,510400]
["IL","RANDOLPH",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF RANDOLPH",484350,510400,510400]
["IL","RICHLAND",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF RICHLAND",484350,510400,510400]
["IL","ROCK ISLAND",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF ROCK ISLAND",484350,510400,510400]
["IL","ST. CLAIR",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF ST. CLAIR",484350,510400,510400]
["IL","SALINE",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF SALINE",484350,510400,510400]
["IL","SANGAMON",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF SANGAMON",484350,510400,510400]
["IL","SCHUYLER",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF SCHUYLER",484350,510400,510400]
["IL","SCOTT",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF SCOTT",484350,510400,510400]
["IL","SHELBY",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF SHELBY",484350,510400,510400]
["IL","STARK",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF STARK",484350,510400,510400]
["IL","STEPHENSON",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF STEPHENSON",484350,510400,510400]
["IL","TAZEWELL",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF TAZEWELL",484350,510400,510400]
["IL","UNION",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF UNION",484350,510400,510400]
["IL","VERMILION",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF VERMILION",484350,510400,510400]
["IL","WABASH",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF WABASH",484350,510400,510400]
["IL","WARREN",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF WARREN",484350,510400,510400]
["IL","WASHINGTON",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF WASHINGTON",484350,510400,510400]
["IL","WAYNE",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF WAYNE",484350,510400,510400]
["IL","WHITE",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF WHITE",484350,510400,510400]
["IL","WHITESIDE",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF WHITESIDE",484350,510400,510400]
["IL","WILL",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF WILL",484350,510400,510400]
["IL","WILLIAMSON",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF WILLIAMSON",484350,510400,510400]
["IL","WINNEBAGO",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF WINNEBAGO",484350,510400,510400]
["IL","WOODFORD",510400,"Illinois","Illinois",null,"Illinois  /  COUNTY OF WOODFORD",484350,510400,510400]
["IN","ADAMS",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF ADAMS",484350,510400,510400]
["IN","ALLEN",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF ALLEN",484350,510400,510400]
["IN","BARTHOLOMEW",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF BARTHOLOMEW",484350,510400,510400]
["IN","BENTON",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF BENTON",484350,510400,510400]
["IN","BLACKFORD",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF BLACKFORD",484350,510400,510400]
["IN","BOONE",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF BOONE",484350,510400,510400]
["IN","BROWN",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF BROWN",484350,510400,510400]
["IN","CARROLL",{"$f":"+IF($E$107=FALSE,H885,I885)","v":510400},"Indiana","Indiana",null,"Indiana  /  COUNTY OF CARROLL",484350,510400,510400]
["IN","CASS",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF CASS",484350,510400,510400]
["IN","CLARK",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF CLARK",484350,510400,510400]
["IN","CLAY",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF CLAY",484350,510400,510400]
["IN","CLINTON",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF CLINTON",484350,510400,510400]
["IN","CRAWFORD",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF CRAWFORD",484350,510400,510400]
["IN","DAVIESS",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF DAVIESS",484350,510400,510400]
["IN","DEARBORN",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF DEARBORN",484350,510400,510400]
["IN","DECATUR",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF DECATUR",484350,510400,510400]
["IN","DE KALB",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF DE KALB",484350,510400,510400]
["IN","DELAWARE",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF DELAWARE",484350,510400,510400]
["IN","DUBOIS",510400,"Indiana","Indiana",null,{"$f":" CONCATENATE(E896,\"  /  COUNTY OF \",B896)","v":"Indiana  /  COUNTY OF DUBOIS"},484350,510400,510400]
["IN","ELKHART",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF ELKHART",484350,510400,510400]
["IN","FAYETTE",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF FAYETTE",484350,510400,510400]
["IN","FLOYD",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF FLOYD",484350,510400,510400]
["IN","FOUNTAIN",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF FOUNTAIN",484350,510400,510400]
["IN","FRANKLIN",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF FRANKLIN",484350,510400,510400]
["IN","FULTON",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF FULTON",484350,510400,510400]
["IN","GIBSON",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF GIBSON",484350,510400,510400]
["IN","GRANT",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF GRANT",484350,510400,510400]
["IN","GREENE",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF GREENE",484350,510400,510400]
["IN","HAMILTON",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF HAMILTON",484350,510400,510400]
["IN","HANCOCK",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF HANCOCK",484350,510400,510400]
["IN","HARRISON",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF HARRISON",484350,510400,510400]
["IN","HENDRICKS",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF HENDRICKS",484350,510400,510400]
["IN","HENRY",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF HENRY",484350,510400,510400]
["IN","HOWARD",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF HOWARD",484350,510400,510400]
["IN","HUNTINGTON",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF HUNTINGTON",484350,510400,510400]
["IN","JACKSON",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF JACKSON",484350,510400,510400]
["IN","JASPER",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF JASPER",484350,510400,510400]
["IN","JAY",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF JAY",484350,510400,510400]
["IN","JEFFERSON",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF JEFFERSON",484350,510400,510400]
["IN","JENNINGS",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF JENNINGS",484350,510400,510400]
["IN","JOHNSON",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF JOHNSON",484350,510400,510400]
["IN","KNOX",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF KNOX",484350,510400,510400]
["IN","KOSCIUSKO",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF KOSCIUSKO",484350,510400,510400]
["IN","LAGRANGE",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF LAGRANGE",484350,510400,510400]
["IN","LAKE",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF LAKE",484350,510400,510400]
["IN","LA PORTE",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF LA PORTE",484350,510400,510400]
["IN","LAWRENCE",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF LAWRENCE",484350,510400,510400]
["IN","MADISON",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF MADISON",484350,510400,510400]
["IN","MARION",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF MARION",484350,510400,510400]
["IN","MARSHALL",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF MARSHALL",484350,510400,510400]
["IN","MARTIN",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF MARTIN",484350,510400,510400]
["IN","MIAMI",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF MIAMI",484350,510400,510400]
["IN","MONROE",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF MONROE",484350,510400,510400]
["IN","MONTGOMERY",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF MONTGOMERY",484350,510400,510400]
["IN","MORGAN",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF MORGAN",484350,510400,510400]
["IN","NEWTON",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF NEWTON",484350,510400,510400]
["IN","NOBLE",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF NOBLE",484350,510400,510400]
["IN","OHIO",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF OHIO",484350,510400,510400]
["IN","ORANGE",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF ORANGE",484350,510400,510400]
["IN","OWEN",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF OWEN",484350,510400,510400]
["IN","PARKE",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF PARKE",484350,510400,510400]
["IN","PERRY",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF PERRY",484350,510400,510400]
["IN","PIKE",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF PIKE",484350,510400,510400]
["IN","PORTER",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF PORTER",484350,510400,510400]
["IN","POSEY",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF POSEY",484350,510400,510400]
["IN","PULASKI",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF PULASKI",484350,510400,510400]
["IN","PUTNAM",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF PUTNAM",484350,510400,510400]
["IN","RANDOLPH",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF RANDOLPH",484350,510400,510400]
["IN","RIPLEY",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF RIPLEY",484350,510400,510400]
["IN","RUSH",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF RUSH",484350,510400,510400]
["IN","ST. JOSEPH",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF ST. JOSEPH",484350,510400,510400]
["IN","SCOTT",{"$f":"+IF($E$107=FALSE,H949,I949)","v":510400},"Indiana","Indiana",null,"Indiana  /  COUNTY OF SCOTT",484350,510400,510400]
["IN","SHELBY",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF SHELBY",484350,510400,510400]
["IN","SPENCER",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF SPENCER",484350,510400,510400]
["IN","STARKE",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF STARKE",484350,510400,510400]
["IN","STEUBEN",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF STEUBEN",484350,510400,510400]
["IN","SULLIVAN",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF SULLIVAN",484350,510400,510400]
["IN","SWITZERLAND",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF SWITZERLAND",484350,510400,510400]
["IN","TIPPECANOE",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF TIPPECANOE",484350,510400,510400]
["IN","TIPTON",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF TIPTON",484350,510400,510400]
["IN","UNION",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF UNION",484350,510400,510400]
["IN","VANDERBURGH",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF VANDERBURGH",484350,510400,510400]
["IN","VERMILLION",510400,"Indiana","Indiana",null,{"$f":" CONCATENATE(E960,\"  /  COUNTY OF \",B960)","v":"Indiana  /  COUNTY OF VERMILLION"},484350,510400,510400]
["IN","VIGO",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF VIGO",484350,510400,510400]
["IN","WABASH",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF WABASH",484350,510400,510400]
["IN","WARREN",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF WARREN",484350,510400,510400]
["IN","WARRICK",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF WARRICK",484350,510400,510400]
["IN","WASHINGTON",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF WASHINGTON",484350,510400,510400]
["IN","WAYNE",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF WAYNE",484350,510400,510400]
["IN","WELLS",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF WELLS",484350,510400,510400]
["IN","WHITE",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF WHITE",484350,510400,510400]
["IN","WHITLEY",510400,"Indiana","Indiana",null,"Indiana  /  COUNTY OF WHITLEY",484350,510400,510400]
["IA","ADAIR",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF ADAIR",484350,510400,510400]
["IA","ADAMS",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF ADAMS",484350,510400,510400]
["IA","ALLAMAKEE",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF ALLAMAKEE",484350,510400,510400]
["IA","APPANOOSE",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF APPANOOSE",484350,510400,510400]
["IA","AUDUBON",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF AUDUBON",484350,510400,510400]
["IA","BENTON",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF BENTON",484350,510400,510400]
["IA","BLACK HAWK",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF BLACK HAWK",484350,510400,510400]
["IA","BOONE",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF BOONE",484350,510400,510400]
["IA","BREMER",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF BREMER",484350,510400,510400]
["IA","BUCHANAN",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF BUCHANAN",484350,510400,510400]
["IA","BUENA VISTA",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF BUENA VISTA",484350,510400,510400]
["IA","BUTLER",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF BUTLER",484350,510400,510400]
["IA","CALHOUN",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF CALHOUN",484350,510400,510400]
["IA","CARROLL",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF CARROLL",484350,510400,510400]
["IA","CASS",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF CASS",484350,510400,510400]
["IA","CEDAR",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF CEDAR",484350,510400,510400]
["IA","CERRO GORDO",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF CERRO GORDO",484350,510400,510400]
["IA","CHEROKEE",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF CHEROKEE",484350,510400,510400]
["IA","CHICKASAW",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF CHICKASAW",484350,510400,510400]
["IA","CLARKE",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF CLARKE",484350,510400,510400]
["IA","CLAY",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF CLAY",484350,510400,510400]
["IA","CLAYTON",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF CLAYTON",484350,510400,510400]
["IA","CLINTON",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF CLINTON",484350,510400,510400]
["IA","CRAWFORD",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF CRAWFORD",484350,510400,510400]
["IA","DALLAS",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF DALLAS",484350,510400,510400]
["IA","DAVIS",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF DAVIS",484350,510400,510400]
["IA","DECATUR",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF DECATUR",484350,510400,510400]
["IA","DELAWARE",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF DELAWARE",484350,510400,510400]
["IA","DES MOINES",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF DES MOINES",484350,510400,510400]
["IA","DICKINSON",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF DICKINSON",484350,510400,510400]
["IA","DUBUQUE",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF DUBUQUE",484350,510400,510400]
["IA","EMMET",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF EMMET",484350,510400,510400]
["IA","FAYETTE",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF FAYETTE",484350,510400,510400]
["IA","FLOYD",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF FLOYD",484350,510400,510400]
["IA","FRANKLIN",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF FRANKLIN",484350,510400,510400]
["IA","FREMONT",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF FREMONT",484350,510400,510400]
["IA","GREENE",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF GREENE",484350,510400,510400]
["IA","GRUNDY",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF GRUNDY",484350,510400,510400]
["IA","GUTHRIE",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF GUTHRIE",484350,510400,510400]
["IA","HAMILTON",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF HAMILTON",484350,510400,510400]
["IA","HANCOCK",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF HANCOCK",484350,510400,510400]
["IA","HARDIN",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF HARDIN",484350,510400,510400]
["IA","HARRISON",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF HARRISON",484350,510400,510400]
["IA","HENRY",{"$f":"+IF($E$107=FALSE,H1013,I1013)","v":510400},"Iowa","Iowa",null,"Iowa  /  COUNTY OF HENRY",484350,510400,510400]
["IA","HOWARD",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF HOWARD",484350,510400,510400]
["IA","HUMBOLDT",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF HUMBOLDT",484350,510400,510400]
["IA","IDA",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF IDA",484350,510400,510400]
["IA","IOWA",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF IOWA",484350,510400,510400]
["IA","JACKSON",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF JACKSON",484350,510400,510400]
["IA","JASPER",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF JASPER",484350,510400,510400]
["IA","JEFFERSON",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF JEFFERSON",484350,510400,510400]
["IA","JOHNSON",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF JOHNSON",484350,510400,510400]
["IA","JONES",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF JONES",484350,510400,510400]
["IA","KEOKUK",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF KEOKUK",484350,510400,510400]
["IA","KOSSUTH",510400,"Iowa","Iowa",null,{"$f":" CONCATENATE(E1024,\"  /  COUNTY OF \",B1024)","v":"Iowa  /  COUNTY OF KOSSUTH"},484350,510400,510400]
["IA","LEE",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF LEE",484350,510400,510400]
["IA","LINN",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF LINN",484350,510400,510400]
["IA","LOUISA",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF LOUISA",484350,510400,510400]
["IA","LUCAS",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF LUCAS",484350,510400,510400]
["IA","LYON",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF LYON",484350,510400,510400]
["IA","MADISON",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF MADISON",484350,510400,510400]
["IA","MAHASKA",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF MAHASKA",484350,510400,510400]
["IA","MARION",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF MARION",484350,510400,510400]
["IA","MARSHALL",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF MARSHALL",484350,510400,510400]
["IA","MILLS",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF MILLS",484350,510400,510400]
["IA","MITCHELL",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF MITCHELL",484350,510400,510400]
["IA","MONONA",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF MONONA",484350,510400,510400]
["IA","MONROE",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF MONROE",484350,510400,510400]
["IA","MONTGOMERY",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF MONTGOMERY",484350,510400,510400]
["IA","MUSCATINE",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF MUSCATINE",484350,510400,510400]
["IA","O'BRIEN",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF O'BRIEN",484350,510400,510400]
["IA","OSCEOLA",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF OSCEOLA",484350,510400,510400]
["IA","PAGE",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF PAGE",484350,510400,510400]
["IA","PALO ALTO",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF PALO ALTO",484350,510400,510400]
["IA","PLYMOUTH",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF PLYMOUTH",484350,510400,510400]
["IA","POCAHONTAS",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF POCAHONTAS",484350,510400,510400]
["IA","POLK",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF POLK",484350,510400,510400]
["IA","POTTAWATTAMIE",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF POTTAWATTAMIE",484350,510400,510400]
["IA","POWESHIEK",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF POWESHIEK",484350,510400,510400]
["IA","RINGGOLD",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF RINGGOLD",484350,510400,510400]
["IA","SAC",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF SAC",484350,510400,510400]
["IA","SCOTT",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF SCOTT",484350,510400,510400]
["IA","SHELBY",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF SHELBY",484350,510400,510400]
["IA","SIOUX",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF SIOUX",484350,510400,510400]
["IA","STORY",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF STORY",484350,510400,510400]
["IA","TAMA",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF TAMA",484350,510400,510400]
["IA","TAYLOR",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF TAYLOR",484350,510400,510400]
["IA","UNION",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF UNION",484350,510400,510400]
["IA","VAN BUREN",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF VAN BUREN",484350,510400,510400]
["IA","WAPELLO",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF WAPELLO",484350,510400,510400]
["IA","WARREN",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF WARREN",484350,510400,510400]
["IA","WASHINGTON",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF WASHINGTON",484350,510400,510400]
["IA","WAYNE",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF WAYNE",484350,510400,510400]
["IA","WEBSTER",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF WEBSTER",484350,510400,510400]
["IA","WINNEBAGO",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF WINNEBAGO",484350,510400,510400]
["IA","WINNESHIEK",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF WINNESHIEK",484350,510400,510400]
["IA","WOODBURY",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF WOODBURY",484350,510400,510400]
["IA","WORTH",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF WORTH",484350,510400,510400]
["IA","WRIGHT",510400,"Iowa","Iowa",null,"Iowa  /  COUNTY OF WRIGHT",484350,510400,510400]
["KS","ALLEN",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF ALLEN",484350,510400,510400]
["KS","ANDERSON",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF ANDERSON",484350,510400,510400]
["KS","ATCHISON",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF ATCHISON",484350,510400,510400]
["KS","BARBER",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF BARBER",484350,510400,510400]
["KS","BARTON",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF BARTON",484350,510400,510400]
["KS","BOURBON",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF BOURBON",484350,510400,510400]
["KS","BROWN",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF BROWN",484350,510400,510400]
["KS","BUTLER",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF BUTLER",484350,510400,510400]
["KS","CHASE",{"$f":"+IF($E$107=FALSE,H1077,I1077)","v":510400},"Kansas","Kansas",null,"Kansas  /  COUNTY OF CHASE",484350,510400,510400]
["KS","CHAUTAUQUA",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF CHAUTAUQUA",484350,510400,510400]
["KS","CHEROKEE",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF CHEROKEE",484350,510400,510400]
["KS","CHEYENNE",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF CHEYENNE",484350,510400,510400]
["KS","CLARK",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF CLARK",484350,510400,510400]
["KS","CLAY",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF CLAY",484350,510400,510400]
["KS","CLOUD",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF CLOUD",484350,510400,510400]
["KS","COFFEY",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF COFFEY",484350,510400,510400]
["KS","COMANCHE",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF COMANCHE",484350,510400,510400]
["KS","COWLEY",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF COWLEY",484350,510400,510400]
["KS","CRAWFORD",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF CRAWFORD",484350,510400,510400]
["KS","DECATUR",510400,"Kansas","Kansas",null,{"$f":" CONCATENATE(E1088,\"  /  COUNTY OF \",B1088)","v":"Kansas  /  COUNTY OF DECATUR"},484350,510400,510400]
["KS","DICKINSON",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF DICKINSON",484350,510400,510400]
["KS","DONIPHAN",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF DONIPHAN",484350,510400,510400]
["KS","DOUGLAS",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF DOUGLAS",484350,510400,510400]
["KS","EDWARDS",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF EDWARDS",484350,510400,510400]
["KS","ELK",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF ELK",484350,510400,510400]
["KS","ELLIS",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF ELLIS",484350,510400,510400]
["KS","ELLSWORTH",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF ELLSWORTH",484350,510400,510400]
["KS","FINNEY",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF FINNEY",484350,510400,510400]
["KS","FORD",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF FORD",484350,510400,510400]
["KS","FRANKLIN",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF FRANKLIN",484350,510400,510400]
["KS","GEARY",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF GEARY",484350,510400,510400]
["KS","GOVE",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF GOVE",484350,510400,510400]
["KS","GRAHAM",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF GRAHAM",484350,510400,510400]
["KS","GRANT",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF GRANT",484350,510400,510400]
["KS","GRAY",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF GRAY",484350,510400,510400]
["KS","GREELEY",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF GREELEY",484350,510400,510400]
["KS","GREENWOOD",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF GREENWOOD",484350,510400,510400]
["KS","HAMILTON",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF HAMILTON",484350,510400,510400]
["KS","HARPER",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF HARPER",484350,510400,510400]
["KS","HARVEY",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF HARVEY",484350,510400,510400]
["KS","HASKELL",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF HASKELL",484350,510400,510400]
["KS","HODGEMAN",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF HODGEMAN",484350,510400,510400]
["KS","JACKSON",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF JACKSON",484350,510400,510400]
["KS","JEFFERSON",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF JEFFERSON",484350,510400,510400]
["KS","JEWELL",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF JEWELL",484350,510400,510400]
["KS","JOHNSON",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF JOHNSON",484350,510400,510400]
["KS","KEARNY",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF KEARNY",484350,510400,510400]
["KS","KINGMAN",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF KINGMAN",484350,510400,510400]
["KS","KIOWA",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF KIOWA",484350,510400,510400]
["KS","LABETTE",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF LABETTE",484350,510400,510400]
["KS","LANE",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF LANE",484350,510400,510400]
["KS","LEAVENWORTH",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF LEAVENWORTH",484350,510400,510400]
["KS","LINCOLN",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF LINCOLN",484350,510400,510400]
["KS","LINN",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF LINN",484350,510400,510400]
["KS","LOGAN",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF LOGAN",484350,510400,510400]
["KS","LYON",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF LYON",484350,510400,510400]
["KS","MCPHERSON",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF MCPHERSON",484350,510400,510400]
["KS","MARION",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF MARION",484350,510400,510400]
["KS","MARSHALL",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF MARSHALL",484350,510400,510400]
["KS","MEADE",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF MEADE",484350,510400,510400]
["KS","MIAMI",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF MIAMI",484350,510400,510400]
["KS","MITCHELL",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF MITCHELL",484350,510400,510400]
["KS","MONTGOMERY",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF MONTGOMERY",484350,510400,510400]
["KS","MORRIS",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF MORRIS",484350,510400,510400]
["KS","MORTON",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF MORTON",484350,510400,510400]
["KS","NEMAHA",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF NEMAHA",484350,510400,510400]
["KS","NEOSHO",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF NEOSHO",484350,510400,510400]
["KS","NESS",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF NESS",484350,510400,510400]
["KS","NORTON",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF NORTON",484350,510400,510400]
["KS","OSAGE",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF OSAGE",484350,510400,510400]
["KS","OSBORNE",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF OSBORNE",484350,510400,510400]
["KS","OTTAWA",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF OTTAWA",484350,510400,510400]
["KS","PAWNEE",{"$f":"+IF($E$107=FALSE,H1141,I1141)","v":510400},"Kansas","Kansas",null,"Kansas  /  COUNTY OF PAWNEE",484350,510400,510400]
["KS","PHILLIPS",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF PHILLIPS",484350,510400,510400]
["KS","POTTAWATOMIE",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF POTTAWATOMIE",484350,510400,510400]
["KS","PRATT",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF PRATT",484350,510400,510400]
["KS","RAWLINS",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF RAWLINS",484350,510400,510400]
["KS","RENO",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF RENO",484350,510400,510400]
["KS","REPUBLIC",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF REPUBLIC",484350,510400,510400]
["KS","RICE",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF RICE",484350,510400,510400]
["KS","RILEY",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF RILEY",484350,510400,510400]
["KS","ROOKS",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF ROOKS",484350,510400,510400]
["KS","RUSH",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF RUSH",484350,510400,510400]
["KS","RUSSELL",510400,"Kansas","Kansas",null,{"$f":" CONCATENATE(E1152,\"  /  COUNTY OF \",B1152)","v":"Kansas  /  COUNTY OF RUSSELL"},484350,510400,510400]
["KS","SALINE",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF SALINE",484350,510400,510400]
["KS","SCOTT",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF SCOTT",484350,510400,510400]
["KS","SEDGWICK",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF SEDGWICK",484350,510400,510400]
["KS","SEWARD",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF SEWARD",484350,510400,510400]
["KS","SHAWNEE",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF SHAWNEE",484350,510400,510400]
["KS","SHERIDAN",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF SHERIDAN",484350,510400,510400]
["KS","SHERMAN",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF SHERMAN",484350,510400,510400]
["KS","SMITH",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF SMITH",484350,510400,510400]
["KS","STAFFORD",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF STAFFORD",484350,510400,510400]
["KS","STANTON",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF STANTON",484350,510400,510400]
["KS","STEVENS",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF STEVENS",484350,510400,510400]
["KS","SUMNER",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF SUMNER",484350,510400,510400]
["KS","THOMAS",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF THOMAS",484350,510400,510400]
["KS","TREGO",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF TREGO",484350,510400,510400]
["KS","WABAUNSEE",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF WABAUNSEE",484350,510400,510400]
["KS","WALLACE",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF WALLACE",484350,510400,510400]
["KS","WASHINGTON",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF WASHINGTON",484350,510400,510400]
["KS","WICHITA",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF WICHITA",484350,510400,510400]
["KS","WILSON",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF WILSON",484350,510400,510400]
["KS","WOODSON",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF WOODSON",484350,510400,510400]
["KS","WYANDOTTE",510400,"Kansas","Kansas",null,"Kansas  /  COUNTY OF WYANDOTTE",484350,510400,510400]
["KY","ADAIR",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF ADAIR",484350,510400,510400]
["KY","ALLEN",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF ALLEN",484350,510400,510400]
["KY","ANDERSON",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF ANDERSON",484350,510400,510400]
["KY","BALLARD",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF BALLARD",484350,510400,510400]
["KY","BARREN",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF BARREN",484350,510400,510400]
["KY","BATH",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF BATH",484350,510400,510400]
["KY","BELL",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF BELL",484350,510400,510400]
["KY","BOONE",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF BOONE",484350,510400,510400]
["KY","BOURBON",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF BOURBON",484350,510400,510400]
["KY","BOYD",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF BOYD",484350,510400,510400]
["KY","BOYLE",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF BOYLE",484350,510400,510400]
["KY","BRACKEN",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF BRACKEN",484350,510400,510400]
["KY","BREATHITT",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF BREATHITT",484350,510400,510400]
["KY","BRECKINRIDGE",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF BRECKINRIDGE",484350,510400,510400]
["KY","BULLITT",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF BULLITT",484350,510400,510400]
["KY","BUTLER",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF BUTLER",484350,510400,510400]
["KY","CALDWELL",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF CALDWELL",484350,510400,510400]
["KY","CALLOWAY",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF CALLOWAY",484350,510400,510400]
["KY","CAMPBELL",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF CAMPBELL",484350,510400,510400]
["KY","CARLISLE",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF CARLISLE",484350,510400,510400]
["KY","CARROLL",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF CARROLL",484350,510400,510400]
["KY","CARTER",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF CARTER",484350,510400,510400]
["KY","CASEY",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF CASEY",484350,510400,510400]
["KY","CHRISTIAN",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF CHRISTIAN",484350,510400,510400]
["KY","CLARK",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF CLARK",484350,510400,510400]
["KY","CLAY",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF CLAY",484350,510400,510400]
["KY","CLINTON",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF CLINTON",484350,510400,510400]
["KY","CRITTENDEN",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF CRITTENDEN",484350,510400,510400]
["KY","CUMBERLAND",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF CUMBERLAND",484350,510400,510400]
["KY","DAVIESS",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF DAVIESS",484350,510400,510400]
["KY","EDMONSON",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF EDMONSON",484350,510400,510400]
["KY","ELLIOTT",{"$f":"+IF($E$107=FALSE,H1205,I1205)","v":510400},"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF ELLIOTT",484350,510400,510400]
["KY","ESTILL",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF ESTILL",484350,510400,510400]
["KY","FAYETTE",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF FAYETTE",484350,510400,510400]
["KY","FLEMING",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF FLEMING",484350,510400,510400]
["KY","FLOYD",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF FLOYD",484350,510400,510400]
["KY","FRANKLIN",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF FRANKLIN",484350,510400,510400]
["KY","FULTON",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF FULTON",484350,510400,510400]
["KY","GALLATIN",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF GALLATIN",484350,510400,510400]
["KY","GARRARD",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF GARRARD",484350,510400,510400]
["KY","GRANT",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF GRANT",484350,510400,510400]
["KY","GRAVES",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF GRAVES",484350,510400,510400]
["KY","GRAYSON",510400,"Kentucky","Kentucky",null,{"$f":" CONCATENATE(E1216,\"  /  COUNTY OF \",B1216)","v":"Kentucky  /  COUNTY OF GRAYSON"},484350,510400,510400]
["KY","GREEN",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF GREEN",484350,510400,510400]
["KY","GREENUP",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF GREENUP",484350,510400,510400]
["KY","HANCOCK",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF HANCOCK",484350,510400,510400]
["KY","HARDIN",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF HARDIN",484350,510400,510400]
["KY","HARLAN",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF HARLAN",484350,510400,510400]
["KY","HARRISON",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF HARRISON",484350,510400,510400]
["KY","HART",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF HART",484350,510400,510400]
["KY","HENDERSON",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF HENDERSON",484350,510400,510400]
["KY","HENRY",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF HENRY",484350,510400,510400]
["KY","HICKMAN",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF HICKMAN",484350,510400,510400]
["KY","HOPKINS",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF HOPKINS",484350,510400,510400]
["KY","JACKSON",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF JACKSON",484350,510400,510400]
["KY","JEFFERSON",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF JEFFERSON",484350,510400,510400]
["KY","JESSAMINE",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF JESSAMINE",484350,510400,510400]
["KY","JOHNSON",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF JOHNSON",484350,510400,510400]
["KY","KENTON",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF KENTON",484350,510400,510400]
["KY","KNOTT",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF KNOTT",484350,510400,510400]
["KY","KNOX",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF KNOX",484350,510400,510400]
["KY","LARUE",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF LARUE",484350,510400,510400]
["KY","LAUREL",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF LAUREL",484350,510400,510400]
["KY","LAWRENCE",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF LAWRENCE",484350,510400,510400]
["KY","LEE",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF LEE",484350,510400,510400]
["KY","LESLIE",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF LESLIE",484350,510400,510400]
["KY","LETCHER",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF LETCHER",484350,510400,510400]
["KY","LEWIS",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF LEWIS",484350,510400,510400]
["KY","LINCOLN",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF LINCOLN",484350,510400,510400]
["KY","LIVINGSTON",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF LIVINGSTON",484350,510400,510400]
["KY","LOGAN",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF LOGAN",484350,510400,510400]
["KY","LYON",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF LYON",484350,510400,510400]
["KY","MCCRACKEN",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF MCCRACKEN",484350,510400,510400]
["KY","MCCREARY",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF MCCREARY",484350,510400,510400]
["KY","MCLEAN",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF MCLEAN",484350,510400,510400]
["KY","MADISON",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF MADISON",484350,510400,510400]
["KY","MAGOFFIN",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF MAGOFFIN",484350,510400,510400]
["KY","MARION",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF MARION",484350,510400,510400]
["KY","MARSHALL",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF MARSHALL",484350,510400,510400]
["KY","MARTIN",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF MARTIN",484350,510400,510400]
["KY","MASON",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF MASON",484350,510400,510400]
["KY","MEADE",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF MEADE",484350,510400,510400]
["KY","MENIFEE",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF MENIFEE",484350,510400,510400]
["KY","MERCER",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF MERCER",484350,510400,510400]
["KY","METCALFE",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF METCALFE",484350,510400,510400]
["KY","MONROE",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF MONROE",484350,510400,510400]
["KY","MONTGOMERY",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF MONTGOMERY",484350,510400,510400]
["KY","MORGAN",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF MORGAN",484350,510400,510400]
["KY","MUHLENBERG",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF MUHLENBERG",484350,510400,510400]
["KY","NELSON",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF NELSON",484350,510400,510400]
["KY","NICHOLAS",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF NICHOLAS",484350,510400,510400]
["KY","OHIO",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF OHIO",484350,510400,510400]
["KY","OLDHAM",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF OLDHAM",484350,510400,510400]
["KY","OWEN",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF OWEN",484350,510400,510400]
["KY","OWSLEY",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF OWSLEY",484350,510400,510400]
["KY","PENDLETON",{"$f":"+IF($E$107=FALSE,H1269,I1269)","v":510400},"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF PENDLETON",484350,510400,510400]
["KY","PERRY",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF PERRY",484350,510400,510400]
["KY","PIKE",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF PIKE",484350,510400,510400]
["KY","POWELL",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF POWELL",484350,510400,510400]
["KY","PULASKI",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF PULASKI",484350,510400,510400]
["KY","ROBERTSON",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF ROBERTSON",484350,510400,510400]
["KY","ROCKCASTLE",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF ROCKCASTLE",484350,510400,510400]
["KY","ROWAN",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF ROWAN",484350,510400,510400]
["KY","RUSSELL",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF RUSSELL",484350,510400,510400]
["KY","SCOTT",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF SCOTT",484350,510400,510400]
["KY","SHELBY",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF SHELBY",484350,510400,510400]
["KY","SIMPSON",510400,"Kentucky","Kentucky",null,{"$f":" CONCATENATE(E1280,\"  /  COUNTY OF \",B1280)","v":"Kentucky  /  COUNTY OF SIMPSON"},484350,510400,510400]
["KY","SPENCER",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF SPENCER",484350,510400,510400]
["KY","TAYLOR",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF TAYLOR",484350,510400,510400]
["KY","TODD",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF TODD",484350,510400,510400]
["KY","TRIGG",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF TRIGG",484350,510400,510400]
["KY","TRIMBLE",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF TRIMBLE",484350,510400,510400]
["KY","UNION",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF UNION",484350,510400,510400]
["KY","WARREN",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF WARREN",484350,510400,510400]
["KY","WASHINGTON",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF WASHINGTON",484350,510400,510400]
["KY","WAYNE",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF WAYNE",484350,510400,510400]
["KY","WEBSTER",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF WEBSTER",484350,510400,510400]
["KY","WHITLEY",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF WHITLEY",484350,510400,510400]
["KY","WOLFE",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF WOLFE",484350,510400,510400]
["KY","WOODFORD",510400,"Kentucky","Kentucky",null,"Kentucky  /  COUNTY OF WOODFORD",484350,510400,510400]
["LA","ACADIA",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF ACADIA",484350,510400,510400]
["LA","ALLEN",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF ALLEN",484350,510400,510400]
["LA","ASCENSION",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF ASCENSION",484350,510400,510400]
["LA","ASSUMPTION",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF ASSUMPTION",484350,510400,510400]
["LA","AVOYELLES",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF AVOYELLES",484350,510400,510400]
["LA","BEAUREGARD",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF BEAUREGARD",484350,510400,510400]
["LA","BIENVILLE",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF BIENVILLE",484350,510400,510400]
["LA","BOSSIER",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF BOSSIER",484350,510400,510400]
["LA","CADDO",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF CADDO",484350,510400,510400]
["LA","CALCASIEU",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF CALCASIEU",484350,510400,510400]
["LA","CALDWELL",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF CALDWELL",484350,510400,510400]
["LA","CAMERON",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF CAMERON",484350,510400,510400]
["LA","CATAHOULA",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF CATAHOULA",484350,510400,510400]
["LA","CLAIBORNE",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF CLAIBORNE",484350,510400,510400]
["LA","CONCORDIA",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF CONCORDIA",484350,510400,510400]
["LA","DE SOTO",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF DE SOTO",484350,510400,510400]
["LA","EAST BATON ROUG",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF EAST BATON ROUG",484350,510400,510400]
["LA","EAST CARROLL",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF EAST CARROLL",484350,510400,510400]
["LA","EAST FELICIANA",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF EAST FELICIANA",484350,510400,510400]
["LA","EVANGELINE",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF EVANGELINE",484350,510400,510400]
["LA","FRANKLIN",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF FRANKLIN",484350,510400,510400]
["LA","GRANT",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF GRANT",484350,510400,510400]
["LA","IBERIA",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF IBERIA",484350,510400,510400]
["LA","IBERVILLE",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF IBERVILLE",484350,510400,510400]
["LA","JACKSON",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF JACKSON",484350,510400,510400]
["LA","JEFFERSON",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF JEFFERSON",484350,510400,510400]
["LA","JEFFERSON DAVIS",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF JEFFERSON DAVIS",484350,510400,510400]
["LA","LAFAYETTE",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF LAFAYETTE",484350,510400,510400]
["LA","LAFOURCHE",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF LAFOURCHE",484350,510400,510400]
["LA","LASALLE",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF LASALLE",484350,510400,510400]
["LA","LINCOLN",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF LINCOLN",484350,510400,510400]
["LA","LIVINGSTON",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF LIVINGSTON",484350,510400,510400]
["LA","MADISON",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF MADISON",484350,510400,510400]
["LA","MOREHOUSE",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF MOREHOUSE",484350,510400,510400]
["LA","NATCHITOCHES",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF NATCHITOCHES",484350,510400,510400]
["LA","ORLEANS",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF ORLEANS",484350,510400,510400]
["LA","OUACHITA",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF OUACHITA",484350,510400,510400]
["LA","PLAQUEMINES",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF PLAQUEMINES",484350,510400,510400]
["LA","POINTE COUPEE",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF POINTE COUPEE",484350,510400,510400]
["LA","RAPIDES",{"$f":"+IF($E$107=FALSE,H1333,I1333)","v":510400},"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF RAPIDES",484350,510400,510400]
["LA","RED RIVER",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF RED RIVER",484350,510400,510400]
["LA","RICHLAND",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF RICHLAND",484350,510400,510400]
["LA","SABINE",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF SABINE",484350,510400,510400]
["LA","ST. BERNARD",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF ST. BERNARD",484350,510400,510400]
["LA","ST. CHARLES",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF ST. CHARLES",484350,510400,510400]
["LA","ST. HELENA",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF ST. HELENA",484350,510400,510400]
["LA","ST. JAMES",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF ST. JAMES",484350,510400,510400]
["LA","ST. JOHN THE BA",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF ST. JOHN THE BA",484350,510400,510400]
["LA","ST. LANDRY",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF ST. LANDRY",484350,510400,510400]
["LA","ST. MARTIN",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF ST. MARTIN",484350,510400,510400]
["LA","ST. MARY",510400,"Louisiana","Louisiana",null,{"$f":" CONCATENATE(E1344,\"  /  COUNTY OF \",B1344)","v":"Louisiana  /  COUNTY OF ST. MARY"},484350,510400,510400]
["LA","ST. TAMMANY",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF ST. TAMMANY",484350,510400,510400]
["LA","TANGIPAHOA",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF TANGIPAHOA",484350,510400,510400]
["LA","TENSAS",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF TENSAS",484350,510400,510400]
["LA","TERREBONNE",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF TERREBONNE",484350,510400,510400]
["LA","UNION",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF UNION",484350,510400,510400]
["LA","VERMILION",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF VERMILION",484350,510400,510400]
["LA","VERNON",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF VERNON",484350,510400,510400]
["LA","WASHINGTON",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF WASHINGTON",484350,510400,510400]
["LA","WEBSTER",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF WEBSTER",484350,510400,510400]
["LA","WEST BATON ROUG",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF WEST BATON ROUG",484350,510400,510400]
["LA","WEST CARROLL",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF WEST CARROLL",484350,510400,510400]
["LA","WEST FELICIANA",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF WEST FELICIANA",484350,510400,510400]
["LA","WINN",510400,"Louisiana","Louisiana",null,"Louisiana  /  COUNTY OF WINN",484350,510400,510400]
["ME","ANDROSCOGGIN",510400,"Maine","Maine",null,"Maine  /  COUNTY OF ANDROSCOGGIN",484350,510400,510400]
["ME","AROOSTOOK",510400,"Maine","Maine",null,"Maine  /  COUNTY OF AROOSTOOK",484350,510400,510400]
["ME","CUMBERLAND",510400,"Maine","Maine",null,"Maine  /  COUNTY OF CUMBERLAND",484350,510400,510400]
["ME","FRANKLIN",510400,"Maine","Maine",null,"Maine  /  COUNTY OF FRANKLIN",484350,510400,510400]
["ME","HANCOCK",510400,"Maine","Maine",null,"Maine  /  COUNTY OF HANCOCK",484350,510400,510400]
["ME","KENNEBEC",510400,"Maine","Maine",null,"Maine  /  COUNTY OF KENNEBEC",484350,510400,510400]
["ME","KNOX",510400,"Maine","Maine",null,"Maine  /  COUNTY OF KNOX",484350,510400,510400]
["ME","LINCOLN",510400,"Maine","Maine",null,"Maine  /  COUNTY OF LINCOLN",484350,510400,510400]
["ME","OXFORD",510400,"Maine","Maine",null,"Maine  /  COUNTY OF OXFORD",484350,510400,510400]
["ME","PENOBSCOT",510400,"Maine","Maine",null,"Maine  /  COUNTY OF PENOBSCOT",484350,510400,510400]
["ME","PISCATAQUIS",510400,"Maine","Maine",null,"Maine  /  COUNTY OF PISCATAQUIS",484350,510400,510400]
["ME","SAGADAHOC",510400,"Maine","Maine",null,"Maine  /  COUNTY OF SAGADAHOC",484350,510400,510400]
["ME","SOMERSET",510400,"Maine","Maine",null,"Maine  /  COUNTY OF SOMERSET",484350,510400,510400]
["ME","WALDO",510400,"Maine","Maine",null,"Maine  /  COUNTY OF WALDO",484350,510400,510400]
["ME","WASHINGTON",510400,"Maine","Maine",null,"Maine  /  COUNTY OF WASHINGTON",484350,510400,510400]
["ME","YORK",510400,"Maine","Maine",null,"Maine  /  COUNTY OF YORK",484350,510400,510400]
["MD","ALLEGANY",510400,"Maryland","Maryland",null,"Maryland  /  COUNTY OF ALLEGANY",484350,510400,510400]
["MD","ANNE ARUNDEL",0,"Maryland","Maryland",null,"Maryland  /  COUNTY OF ANNE ARUNDEL",517500,null,520950]
["MD","BALTIMORE",0,"Maryland","Maryland",null,"Maryland  /  COUNTY OF BALTIMORE",517500,null,520950]
["MD","CALVERT",0,"Maryland","Maryland",null,"Maryland  /  COUNTY OF CALVERT",726525,null,765600]
["MD","CAROLINE",510400,"Maryland","Maryland",null,"Maryland  /  COUNTY OF CAROLINE",484350,510400,510400]
["MD","CARROLL",0,"Maryland","Maryland",null,"Maryland  /  COUNTY OF CARROLL",517500,null,520950]
["MD","CECIL",510400,"Maryland","Maryland",null,"Maryland  /  COUNTY OF CECIL",484350,510400,510400]
["MD","CHARLES",0,"Maryland","Maryland",null,"Maryland  /  COUNTY OF CHARLES",726525,null,765600]
["MD","DORCHESTER",510400,"Maryland","Maryland",null,"Maryland  /  COUNTY OF DORCHESTER",484350,510400,510400]
["MD","FREDERICK",0,"Maryland","Maryland",null,"Maryland  /  COUNTY OF FREDERICK",726525,null,765600]
["MD","GARRETT",510400,"Maryland","Maryland",null,"Maryland  /  COUNTY OF GARRETT",484350,510400,510400]
["MD","HARFORD",0,"Maryland","Maryland",null,"Maryland  /  COUNTY OF HARFORD",517500,null,520950]
["MD","HOWARD",0,"Maryland","Maryland",null,"Maryland  /  COUNTY OF HOWARD",517500,null,520950]
["MD","KENT",510400,"Maryland","Maryland",null,"Maryland  /  COUNTY OF KENT",484350,510400,510400]
["MD","MONTGOMERY",0,"Maryland","Maryland",null,"Maryland  /  COUNTY OF MONTGOMERY",726525,null,765600]
["MD","PRINCE GEORGE'S",0,"Maryland","Maryland",null,"Maryland  /  COUNTY OF PRINCE GEORGE'S",726525,null,765600]
["MD","QUEEN ANNE'S",0,"Maryland","Maryland",null,"Maryland  /  COUNTY OF QUEEN ANNE'S",517500,null,520950]
["MD","ST. MARY'S",510400,"Maryland","Maryland",null,"Maryland  /  COUNTY OF ST. MARY'S",484350,510400,510400]
["MD","SOMERSET",510400,"Maryland","Maryland",null,"Maryland  /  COUNTY OF SOMERSET",484350,510400,510400]
["MD","TALBOT",510400,"Maryland","Maryland",null,"Maryland  /  COUNTY OF TALBOT",484350,510400,510400]
["MD","WASHINGTON",510400,"Maryland","Maryland",null,"Maryland  /  COUNTY OF WASHINGTON",484350,510400,510400]
["MD","WICOMICO",510400,"Maryland","Maryland",null,"Maryland  /  COUNTY OF WICOMICO",484350,510400,510400]
["MD","WORCESTER",510400,"Maryland","Maryland",null,"Maryland  /  COUNTY OF WORCESTER",484350,510400,510400]
["MD","BALTIMORE CITY",{"$f":"+IF($E$107=FALSE,H1397,I1397)","v":0},"Maryland","Maryland",null,"Maryland  /  COUNTY OF BALTIMORE CITY",517500,null,520950]
["MA","BARNSTABLE",510400,"Massachusetts","Massachusetts",null,"Massachusetts  /  COUNTY OF BARNSTABLE",484350,510400,510400]
["MA","BERKSHIRE",510400,"Massachusetts","Massachusetts",null,"Massachusetts  /  COUNTY OF BERKSHIRE",484350,510400,510400]
["MA","BRISTOL",510400,"Massachusetts","Massachusetts",null,"Massachusetts  /  COUNTY OF BRISTOL",484350,510400,510400]
["MA","DUKES",0,"Massachusetts","Massachusetts",null,"Massachusetts  /  COUNTY OF DUKES",726525,null,765600]
["MA","ESSEX",0,"Massachusetts","Massachusetts",null,"Massachusetts  /  COUNTY OF ESSEX",688850,null,690000]
["MA","FRANKLIN",510400,"Massachusetts","Massachusetts",null,"Massachusetts  /  COUNTY OF FRANKLIN",484350,510400,510400]
["MA","HAMPDEN",510400,"Massachusetts","Massachusetts",null,"Massachusetts  /  COUNTY OF HAMPDEN",484350,510400,510400]
["MA","HAMPSHIRE",510400,"Massachusetts","Massachusetts",null,"Massachusetts  /  COUNTY OF HAMPSHIRE",484350,510400,510400]
["MA","MIDDLESEX",0,"Massachusetts","Massachusetts",null,"Massachusetts  /  COUNTY OF MIDDLESEX",688850,null,690000]
["MA","NANTUCKET",0,"Massachusetts","Massachusetts",null,"Massachusetts  /  COUNTY OF NANTUCKET",726525,null,765600]
["MA","NORFOLK",0,"Massachusetts","Massachusetts",null,{"$f":" CONCATENATE(E1408,\"  /  COUNTY OF \",B1408)","v":"Massachusetts  /  COUNTY OF NORFOLK"},688850,null,690000]
["MA","PLYMOUTH",0,"Massachusetts","Massachusetts",null,"Massachusetts  /  COUNTY OF PLYMOUTH",688850,null,690000]
["MA","SUFFOLK",0,"Massachusetts","Massachusetts",null,"Massachusetts  /  COUNTY OF SUFFOLK",688850,null,690000]
["MA","WORCESTER",510400,"Massachusetts","Massachusetts",null,"Massachusetts  /  COUNTY OF WORCESTER",484350,510400,510400]
["MI","ALCONA",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF ALCONA",484350,510400,510400]
["MI","ALGER",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF ALGER",484350,510400,510400]
["MI","ALLEGAN",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF ALLEGAN",484350,510400,510400]
["MI","ALPENA",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF ALPENA",484350,510400,510400]
["MI","ANTRIM",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF ANTRIM",484350,510400,510400]
["MI","ARENAC",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF ARENAC",484350,510400,510400]
["MI","BARAGA",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF BARAGA",484350,510400,510400]
["MI","BARRY",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF BARRY",484350,510400,510400]
["MI","BAY",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF BAY",484350,510400,510400]
["MI","BENZIE",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF BENZIE",484350,510400,510400]
["MI","BERRIEN",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF BERRIEN",484350,510400,510400]
["MI","BRANCH",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF BRANCH",484350,510400,510400]
["MI","CALHOUN",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF CALHOUN",484350,510400,510400]
["MI","CASS",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF CASS",484350,510400,510400]
["MI","CHARLEVOIX",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF CHARLEVOIX",484350,510400,510400]
["MI","CHEBOYGAN",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF CHEBOYGAN",484350,510400,510400]
["MI","CHIPPEWA",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF CHIPPEWA",484350,510400,510400]
["MI","CLARE",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF CLARE",484350,510400,510400]
["MI","CLINTON",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF CLINTON",484350,510400,510400]
["MI","CRAWFORD",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF CRAWFORD",484350,510400,510400]
["MI","DELTA",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF DELTA",484350,510400,510400]
["MI","DICKINSON",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF DICKINSON",484350,510400,510400]
["MI","EATON",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF EATON",484350,510400,510400]
["MI","EMMET",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF EMMET",484350,510400,510400]
["MI","GENESEE",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF GENESEE",484350,510400,510400]
["MI","GLADWIN",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF GLADWIN",484350,510400,510400]
["MI","GOGEBIC",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF GOGEBIC",484350,510400,510400]
["MI","GRAND TRAVERSE",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF GRAND TRAVERSE",484350,510400,510400]
["MI","GRATIOT",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF GRATIOT",484350,510400,510400]
["MI","HILLSDALE",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF HILLSDALE",484350,510400,510400]
["MI","HOUGHTON",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF HOUGHTON",484350,510400,510400]
["MI","HURON",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF HURON",484350,510400,510400]
["MI","INGHAM",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF INGHAM",484350,510400,510400]
["MI","IONIA",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF IONIA",484350,510400,510400]
["MI","IOSCO",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF IOSCO",484350,510400,510400]
["MI","IRON",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF IRON",484350,510400,510400]
["MI","ISABELLA",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF ISABELLA",484350,510400,510400]
["MI","JACKSON",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF JACKSON",484350,510400,510400]
["MI","KALAMAZOO",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF KALAMAZOO",484350,510400,510400]
["MI","KALKASKA",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF KALKASKA",484350,510400,510400]
["MI","KENT",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF KENT",484350,510400,510400]
["MI","KEWEENAW",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF KEWEENAW",484350,510400,510400]
["MI","LAKE",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF LAKE",484350,510400,510400]
["MI","LAPEER",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF LAPEER",484350,510400,510400]
["MI","LEELANAU",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF LEELANAU",484350,510400,510400]
["MI","LENAWEE",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF LENAWEE",484350,510400,510400]
["MI","LIVINGSTON",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF LIVINGSTON",484350,510400,510400]
["MI","LUCE",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF LUCE",484350,510400,510400]
["MI","MACKINAC",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF MACKINAC",484350,510400,510400]
["MI","MACOMB",{"$f":"+IF($E$107=FALSE,H1461,I1461)","v":510400},"Michigan","Michigan",null,"Michigan  /  COUNTY OF MACOMB",484350,510400,510400]
["MI","MANISTEE",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF MANISTEE",484350,510400,510400]
["MI","MARQUETTE",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF MARQUETTE",484350,510400,510400]
["MI","MASON",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF MASON",484350,510400,510400]
["MI","MECOSTA",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF MECOSTA",484350,510400,510400]
["MI","MENOMINEE",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF MENOMINEE",484350,510400,510400]
["MI","MIDLAND",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF MIDLAND",484350,510400,510400]
["MI","MISSAUKEE",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF MISSAUKEE",484350,510400,510400]
["MI","MONROE",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF MONROE",484350,510400,510400]
["MI","MONTCALM",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF MONTCALM",484350,510400,510400]
["MI","MONTMORENCY",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF MONTMORENCY",484350,510400,510400]
["MI","MUSKEGON",510400,"Michigan","Michigan",null,{"$f":" CONCATENATE(E1472,\"  /  COUNTY OF \",B1472)","v":"Michigan  /  COUNTY OF MUSKEGON"},484350,510400,510400]
["MI","NEWAYGO",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF NEWAYGO",484350,510400,510400]
["MI","OAKLAND",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF OAKLAND",484350,510400,510400]
["MI","OCEANA",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF OCEANA",484350,510400,510400]
["MI","OGEMAW",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF OGEMAW",484350,510400,510400]
["MI","ONTONAGON",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF ONTONAGON",484350,510400,510400]
["MI","OSCEOLA",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF OSCEOLA",484350,510400,510400]
["MI","OSCODA",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF OSCODA",484350,510400,510400]
["MI","OTSEGO",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF OTSEGO",484350,510400,510400]
["MI","OTTAWA",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF OTTAWA",484350,510400,510400]
["MI","PRESQUE ISLE",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF PRESQUE ISLE",484350,510400,510400]
["MI","ROSCOMMON",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF ROSCOMMON",484350,510400,510400]
["MI","SAGINAW",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF SAGINAW",484350,510400,510400]
["MI","ST. CLAIR",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF ST. CLAIR",484350,510400,510400]
["MI","ST. JOSEPH",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF ST. JOSEPH",484350,510400,510400]
["MI","SANILAC",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF SANILAC",484350,510400,510400]
["MI","SCHOOLCRAFT",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF SCHOOLCRAFT",484350,510400,510400]
["MI","SHIAWASSEE",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF SHIAWASSEE",484350,510400,510400]
["MI","TUSCOLA",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF TUSCOLA",484350,510400,510400]
["MI","VAN BUREN",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF VAN BUREN",484350,510400,510400]
["MI","WASHTENAW",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF WASHTENAW",484350,510400,510400]
["MI","WAYNE",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF WAYNE",484350,510400,510400]
["MI","WEXFORD",510400,"Michigan","Michigan",null,"Michigan  /  COUNTY OF WEXFORD",484350,510400,510400]
["MN","AITKIN",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF AITKIN",484350,510400,510400]
["MN","ANOKA",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF ANOKA",484350,510400,510400]
["MN","BECKER",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF BECKER",484350,510400,510400]
["MN","BELTRAMI",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF BELTRAMI",484350,510400,510400]
["MN","BENTON",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF BENTON",484350,510400,510400]
["MN","BIG STONE",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF BIG STONE",484350,510400,510400]
["MN","BLUE EARTH",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF BLUE EARTH",484350,510400,510400]
["MN","BROWN",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF BROWN",484350,510400,510400]
["MN","CARLTON",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF CARLTON",484350,510400,510400]
["MN","CARVER",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF CARVER",484350,510400,510400]
["MN","CASS",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF CASS",484350,510400,510400]
["MN","CHIPPEWA",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF CHIPPEWA",484350,510400,510400]
["MN","CHISAGO",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF CHISAGO",484350,510400,510400]
["MN","CLAY",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF CLAY",484350,510400,510400]
["MN","CLEARWATER",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF CLEARWATER",484350,510400,510400]
["MN","COOK",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF COOK",484350,510400,510400]
["MN","COTTONWOOD",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF COTTONWOOD",484350,510400,510400]
["MN","CROW WING",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF CROW WING",484350,510400,510400]
["MN","DAKOTA",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF DAKOTA",484350,510400,510400]
["MN","DODGE",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF DODGE",484350,510400,510400]
["MN","DOUGLAS",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF DOUGLAS",484350,510400,510400]
["MN","FARIBAULT",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF FARIBAULT",484350,510400,510400]
["MN","FILLMORE",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF FILLMORE",484350,510400,510400]
["MN","FREEBORN",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF FREEBORN",484350,510400,510400]
["MN","GOODHUE",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF GOODHUE",484350,510400,510400]
["MN","GRANT",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF GRANT",484350,510400,510400]
["MN","HENNEPIN",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF HENNEPIN",484350,510400,510400]
["MN","HOUSTON",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF HOUSTON",484350,510400,510400]
["MN","HUBBARD",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF HUBBARD",484350,510400,510400]
["MN","ISANTI",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF ISANTI",484350,510400,510400]
["MN","ITASCA",{"$f":"+IF($E$107=FALSE,H1525,I1525)","v":510400},"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF ITASCA",484350,510400,510400]
["MN","JACKSON",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF JACKSON",484350,510400,510400]
["MN","KANABEC",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF KANABEC",484350,510400,510400]
["MN","KANDIYOHI",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF KANDIYOHI",484350,510400,510400]
["MN","KITTSON",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF KITTSON",484350,510400,510400]
["MN","KOOCHICHING",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF KOOCHICHING",484350,510400,510400]
["MN","LAC QUI PARLE",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF LAC QUI PARLE",484350,510400,510400]
["MN","LAKE",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF LAKE",484350,510400,510400]
["MN","LAKE OF THE WOO",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF LAKE OF THE WOO",484350,510400,510400]
["MN","LE SUEUR",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF LE SUEUR",484350,510400,510400]
["MN","LINCOLN",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF LINCOLN",484350,510400,510400]
["MN","LYON",510400,"Minnesota","Minnesota",null,{"$f":" CONCATENATE(E1536,\"  /  COUNTY OF \",B1536)","v":"Minnesota  /  COUNTY OF LYON"},484350,510400,510400]
["MN","MCLEOD",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF MCLEOD",484350,510400,510400]
["MN","MAHNOMEN",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF MAHNOMEN",484350,510400,510400]
["MN","MARSHALL",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF MARSHALL",484350,510400,510400]
["MN","MARTIN",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF MARTIN",484350,510400,510400]
["MN","MEEKER",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF MEEKER",484350,510400,510400]
["MN","MILLE LACS",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF MILLE LACS",484350,510400,510400]
["MN","MORRISON",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF MORRISON",484350,510400,510400]
["MN","MOWER",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF MOWER",484350,510400,510400]
["MN","MURRAY",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF MURRAY",484350,510400,510400]
["MN","NICOLLET",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF NICOLLET",484350,510400,510400]
["MN","NOBLES",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF NOBLES",484350,510400,510400]
["MN","NORMAN",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF NORMAN",484350,510400,510400]
["MN","OLMSTED",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF OLMSTED",484350,510400,510400]
["MN","OTTER TAIL",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF OTTER TAIL",484350,510400,510400]
["MN","PENNINGTON",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF PENNINGTON",484350,510400,510400]
["MN","PINE",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF PINE",484350,510400,510400]
["MN","PIPESTONE",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF PIPESTONE",484350,510400,510400]
["MN","POLK",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF POLK",484350,510400,510400]
["MN","POPE",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF POPE",484350,510400,510400]
["MN","RAMSEY",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF RAMSEY",484350,510400,510400]
["MN","RED LAKE",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF RED LAKE",484350,510400,510400]
["MN","REDWOOD",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF REDWOOD",484350,510400,510400]
["MN","RENVILLE",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF RENVILLE",484350,510400,510400]
["MN","RICE",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF RICE",484350,510400,510400]
["MN","ROCK",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF ROCK",484350,510400,510400]
["MN","ROSEAU",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF ROSEAU",484350,510400,510400]
["MN","ST. LOUIS",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF ST. LOUIS",484350,510400,510400]
["MN","SCOTT",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF SCOTT",484350,510400,510400]
["MN","SHERBURNE",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF SHERBURNE",484350,510400,510400]
["MN","SIBLEY",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF SIBLEY",484350,510400,510400]
["MN","STEARNS",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF STEARNS",484350,510400,510400]
["MN","STEELE",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF STEELE",484350,510400,510400]
["MN","STEVENS",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF STEVENS",484350,510400,510400]
["MN","SWIFT",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF SWIFT",484350,510400,510400]
["MN","TODD",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF TODD",484350,510400,510400]
["MN","TRAVERSE",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF TRAVERSE",484350,510400,510400]
["MN","WABASHA",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF WABASHA",484350,510400,510400]
["MN","WADENA",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF WADENA",484350,510400,510400]
["MN","WASECA",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF WASECA",484350,510400,510400]
["MN","WASHINGTON",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF WASHINGTON",484350,510400,510400]
["MN","WATONWAN",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF WATONWAN",484350,510400,510400]
["MN","WILKIN",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF WILKIN",484350,510400,510400]
["MN","WINONA",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF WINONA",484350,510400,510400]
["MN","WRIGHT",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF WRIGHT",484350,510400,510400]
["MN","YELLOW MEDICINE",510400,"Minnesota","Minnesota",null,"Minnesota  /  COUNTY OF YELLOW MEDICINE",484350,510400,510400]
["MS","ADAMS",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF ADAMS",484350,510400,510400]
["MS","ALCORN",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF ALCORN",484350,510400,510400]
["MS","AMITE",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF AMITE",484350,510400,510400]
["MS","ATTALA",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF ATTALA",484350,510400,510400]
["MS","BENTON",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF BENTON",484350,510400,510400]
["MS","BOLIVAR",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF BOLIVAR",484350,510400,510400]
["MS","CALHOUN",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF CALHOUN",484350,510400,510400]
["MS","CARROLL",{"$f":"+IF($E$107=FALSE,H1589,I1589)","v":510400},"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF CARROLL",484350,510400,510400]
["MS","CHICKASAW",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF CHICKASAW",484350,510400,510400]
["MS","CHOCTAW",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF CHOCTAW",484350,510400,510400]
["MS","CLAIBORNE",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF CLAIBORNE",484350,510400,510400]
["MS","CLARKE",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF CLARKE",484350,510400,510400]
["MS","CLAY",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF CLAY",484350,510400,510400]
["MS","COAHOMA",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF COAHOMA",484350,510400,510400]
["MS","COPIAH",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF COPIAH",484350,510400,510400]
["MS","COVINGTON",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF COVINGTON",484350,510400,510400]
["MS","DESOTO",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF DESOTO",484350,510400,510400]
["MS","FORREST",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF FORREST",484350,510400,510400]
["MS","FRANKLIN",510400,"Mississippi","Mississippi",null,{"$f":" CONCATENATE(E1600,\"  /  COUNTY OF \",B1600)","v":"Mississippi  /  COUNTY OF FRANKLIN"},484350,510400,510400]
["MS","GEORGE",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF GEORGE",484350,510400,510400]
["MS","GREENE",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF GREENE",484350,510400,510400]
["MS","GRENADA",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF GRENADA",484350,510400,510400]
["MS","HANCOCK",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF HANCOCK",484350,510400,510400]
["MS","HARRISON",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF HARRISON",484350,510400,510400]
["MS","HINDS",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF HINDS",484350,510400,510400]
["MS","HOLMES",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF HOLMES",484350,510400,510400]
["MS","HUMPHREYS",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF HUMPHREYS",484350,510400,510400]
["MS","ISSAQUENA",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF ISSAQUENA",484350,510400,510400]
["MS","ITAWAMBA",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF ITAWAMBA",484350,510400,510400]
["MS","JACKSON",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF JACKSON",484350,510400,510400]
["MS","JASPER",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF JASPER",484350,510400,510400]
["MS","JEFFERSON",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF JEFFERSON",484350,510400,510400]
["MS","JEFFERSON DAVIS",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF JEFFERSON DAVIS",484350,510400,510400]
["MS","JONES",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF JONES",484350,510400,510400]
["MS","KEMPER",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF KEMPER",484350,510400,510400]
["MS","LAFAYETTE",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF LAFAYETTE",484350,510400,510400]
["MS","LAMAR",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF LAMAR",484350,510400,510400]
["MS","LAUDERDALE",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF LAUDERDALE",484350,510400,510400]
["MS","LAWRENCE",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF LAWRENCE",484350,510400,510400]
["MS","LEAKE",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF LEAKE",484350,510400,510400]
["MS","LEE",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF LEE",484350,510400,510400]
["MS","LEFLORE",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF LEFLORE",484350,510400,510400]
["MS","LINCOLN",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF LINCOLN",484350,510400,510400]
["MS","LOWNDES",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF LOWNDES",484350,510400,510400]
["MS","MADISON",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF MADISON",484350,510400,510400]
["MS","MARION",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF MARION",484350,510400,510400]
["MS","MARSHALL",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF MARSHALL",484350,510400,510400]
["MS","MONROE",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF MONROE",484350,510400,510400]
["MS","MONTGOMERY",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF MONTGOMERY",484350,510400,510400]
["MS","NESHOBA",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF NESHOBA",484350,510400,510400]
["MS","NEWTON",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF NEWTON",484350,510400,510400]
["MS","NOXUBEE",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF NOXUBEE",484350,510400,510400]
["MS","OKTIBBEHA",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF OKTIBBEHA",484350,510400,510400]
["MS","PANOLA",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF PANOLA",484350,510400,510400]
["MS","PEARL RIVER",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF PEARL RIVER",484350,510400,510400]
["MS","PERRY",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF PERRY",484350,510400,510400]
["MS","PIKE",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF PIKE",484350,510400,510400]
["MS","PONTOTOC",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF PONTOTOC",484350,510400,510400]
["MS","PRENTISS",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF PRENTISS",484350,510400,510400]
["MS","QUITMAN",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF QUITMAN",484350,510400,510400]
["MS","RANKIN",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF RANKIN",484350,510400,510400]
["MS","SCOTT",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF SCOTT",484350,510400,510400]
["MS","SHARKEY",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF SHARKEY",484350,510400,510400]
["MS","SIMPSON",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF SIMPSON",484350,510400,510400]
["MS","SMITH",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF SMITH",484350,510400,510400]
["MS","STONE",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF STONE",484350,510400,510400]
["MS","SUNFLOWER",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF SUNFLOWER",484350,510400,510400]
["MS","TALLAHATCHIE",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF TALLAHATCHIE",484350,510400,510400]
["MS","TATE",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF TATE",484350,510400,510400]
["MS","TIPPAH",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF TIPPAH",484350,510400,510400]
["MS","TISHOMINGO",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF TISHOMINGO",484350,510400,510400]
["MS","TUNICA",{"$f":"+IF($E$107=FALSE,H1653,I1653)","v":510400},"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF TUNICA",484350,510400,510400]
["MS","UNION",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF UNION",484350,510400,510400]
["MS","WALTHALL",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF WALTHALL",484350,510400,510400]
["MS","WARREN",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF WARREN",484350,510400,510400]
["MS","WASHINGTON",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF WASHINGTON",484350,510400,510400]
["MS","WAYNE",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF WAYNE",484350,510400,510400]
["MS","WEBSTER",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF WEBSTER",484350,510400,510400]
["MS","WILKINSON",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF WILKINSON",484350,510400,510400]
["MS","WINSTON",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF WINSTON",484350,510400,510400]
["MS","YALOBUSHA",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF YALOBUSHA",484350,510400,510400]
["MS","YAZOO",510400,"Mississippi","Mississippi",null,"Mississippi  /  COUNTY OF YAZOO",484350,510400,510400]
["MO","ADAIR",510400,"Missouri","Missouri",null,{"$f":" CONCATENATE(E1664,\"  /  COUNTY OF \",B1664)","v":"Missouri  /  COUNTY OF ADAIR"},484350,510400,510400]
["MO","ANDREW",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF ANDREW",484350,510400,510400]
["MO","ATCHISON",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF ATCHISON",484350,510400,510400]
["MO","AUDRAIN",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF AUDRAIN",484350,510400,510400]
["MO","BARRY",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF BARRY",484350,510400,510400]
["MO","BARTON",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF BARTON",484350,510400,510400]
["MO","BATES",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF BATES",484350,510400,510400]
["MO","BENTON",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF BENTON",484350,510400,510400]
["MO","BOLLINGER",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF BOLLINGER",484350,510400,510400]
["MO","BOONE",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF BOONE",484350,510400,510400]
["MO","BUCHANAN",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF BUCHANAN",484350,510400,510400]
["MO","BUTLER",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF BUTLER",484350,510400,510400]
["MO","CALDWELL",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF CALDWELL",484350,510400,510400]
["MO","CALLAWAY",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF CALLAWAY",484350,510400,510400]
["MO","CAMDEN",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF CAMDEN",484350,510400,510400]
["MO","CAPE GIRARDEAU",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF CAPE GIRARDEAU",484350,510400,510400]
["MO","CARROLL",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF CARROLL",484350,510400,510400]
["MO","CARTER",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF CARTER",484350,510400,510400]
["MO","CASS",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF CASS",484350,510400,510400]
["MO","CEDAR",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF CEDAR",484350,510400,510400]
["MO","CHARITON",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF CHARITON",484350,510400,510400]
["MO","CHRISTIAN",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF CHRISTIAN",484350,510400,510400]
["MO","CLARK",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF CLARK",484350,510400,510400]
["MO","CLAY",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF CLAY",484350,510400,510400]
["MO","CLINTON",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF CLINTON",484350,510400,510400]
["MO","COLE",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF COLE",484350,510400,510400]
["MO","COOPER",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF COOPER",484350,510400,510400]
["MO","CRAWFORD",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF CRAWFORD",484350,510400,510400]
["MO","DADE",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF DADE",484350,510400,510400]
["MO","DALLAS",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF DALLAS",484350,510400,510400]
["MO","DAVIESS",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF DAVIESS",484350,510400,510400]
["MO","DE KALB",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF DE KALB",484350,510400,510400]
["MO","DENT",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF DENT",484350,510400,510400]
["MO","DOUGLAS",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF DOUGLAS",484350,510400,510400]
["MO","DUNKLIN",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF DUNKLIN",484350,510400,510400]
["MO","FRANKLIN",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF FRANKLIN",484350,510400,510400]
["MO","GASCONADE",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF GASCONADE",484350,510400,510400]
["MO","GENTRY",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF GENTRY",484350,510400,510400]
["MO","GREENE",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF GREENE",484350,510400,510400]
["MO","GRUNDY",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF GRUNDY",484350,510400,510400]
["MO","HARRISON",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF HARRISON",484350,510400,510400]
["MO","HENRY",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF HENRY",484350,510400,510400]
["MO","HICKORY",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF HICKORY",484350,510400,510400]
["MO","HOLT",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF HOLT",484350,510400,510400]
["MO","HOWARD",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF HOWARD",484350,510400,510400]
["MO","HOWELL",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF HOWELL",484350,510400,510400]
["MO","IRON",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF IRON",484350,510400,510400]
["MO","JACKSON",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF JACKSON",484350,510400,510400]
["MO","JASPER",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF JASPER",484350,510400,510400]
["MO","JEFFERSON",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF JEFFERSON",484350,510400,510400]
["MO","JOHNSON",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF JOHNSON",484350,510400,510400]
["MO","KNOX",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF KNOX",484350,510400,510400]
["MO","LACLEDE",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF LACLEDE",484350,510400,510400]
["MO","LAFAYETTE",{"$f":"+IF($E$107=FALSE,H1717,I1717)","v":510400},"Missouri","Missouri",null,"Missouri  /  COUNTY OF LAFAYETTE",484350,510400,510400]
["MO","LAWRENCE",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF LAWRENCE",484350,510400,510400]
["MO","LEWIS",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF LEWIS",484350,510400,510400]
["MO","LINCOLN",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF LINCOLN",484350,510400,510400]
["MO","LINN",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF LINN",484350,510400,510400]
["MO","LIVINGSTON",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF LIVINGSTON",484350,510400,510400]
["MO","MCDONALD",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF MCDONALD",484350,510400,510400]
["MO","MACON",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF MACON",484350,510400,510400]
["MO","MADISON",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF MADISON",484350,510400,510400]
["MO","MARIES",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF MARIES",484350,510400,510400]
["MO","MARION",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF MARION",484350,510400,510400]
["MO","MERCER",510400,"Missouri","Missouri",null,{"$f":" CONCATENATE(E1728,\"  /  COUNTY OF \",B1728)","v":"Missouri  /  COUNTY OF MERCER"},484350,510400,510400]
["MO","MILLER",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF MILLER",484350,510400,510400]
["MO","MISSISSIPPI",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF MISSISSIPPI",484350,510400,510400]
["MO","MONITEAU",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF MONITEAU",484350,510400,510400]
["MO","MONROE",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF MONROE",484350,510400,510400]
["MO","MONTGOMERY",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF MONTGOMERY",484350,510400,510400]
["MO","MORGAN",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF MORGAN",484350,510400,510400]
["MO","NEW MADRID",{"$f":"+IF($E$107=FALSE,H1735,I1735)","v":510400},"Missouri","Missouri",null,"Missouri  /  COUNTY OF NEW MADRID",484350,510400,510400]
["MO","NEWTON",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF NEWTON",484350,510400,510400]
["MO","NODAWAY",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF NODAWAY",484350,510400,510400]
["MO","OREGON",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF OREGON",484350,510400,510400]
["MO","OSAGE",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF OSAGE",484350,510400,510400]
["MO","OZARK",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF OZARK",484350,510400,510400]
["MO","PEMISCOT",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF PEMISCOT",484350,510400,510400]
["MO","PERRY",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF PERRY",484350,510400,510400]
["MO","PETTIS",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF PETTIS",484350,510400,510400]
["MO","PHELPS",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF PHELPS",484350,510400,510400]
["MO","PIKE",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF PIKE",484350,510400,510400]
["MO","PLATTE",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF PLATTE",484350,510400,510400]
["MO","POLK",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF POLK",484350,510400,510400]
["MO","PULASKI",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF PULASKI",484350,510400,510400]
["MO","PUTNAM",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF PUTNAM",484350,510400,510400]
["MO","RALLS",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF RALLS",484350,510400,510400]
["MO","RANDOLPH",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF RANDOLPH",484350,510400,510400]
["MO","RAY",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF RAY",484350,510400,510400]
["MO","REYNOLDS",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF REYNOLDS",484350,510400,510400]
["MO","RIPLEY",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF RIPLEY",484350,510400,510400]
["MO","ST. CHARLES",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF ST. CHARLES",484350,510400,510400]
["MO","ST. CLAIR",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF ST. CLAIR",484350,510400,510400]
["MO","STE. GENEVIEVE",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF STE. GENEVIEVE",484350,510400,510400]
["MO","ST. FRANCOIS",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF ST. FRANCOIS",484350,510400,510400]
["MO","ST. LOUIS",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF ST. LOUIS",484350,510400,510400]
["MO","SALINE",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF SALINE",484350,510400,510400]
["MO","SCHUYLER",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF SCHUYLER",484350,510400,510400]
["MO","SCOTLAND",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF SCOTLAND",484350,510400,510400]
["MO","SCOTT",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF SCOTT",484350,510400,510400]
["MO","SHANNON",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF SHANNON",484350,510400,510400]
["MO","SHELBY",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF SHELBY",484350,510400,510400]
["MO","STODDARD",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF STODDARD",484350,510400,510400]
["MO","STONE",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF STONE",484350,510400,510400]
["MO","SULLIVAN",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF SULLIVAN",484350,510400,510400]
["MO","TANEY",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF TANEY",484350,510400,510400]
["MO","TEXAS",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF TEXAS",484350,510400,510400]
["MO","VERNON",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF VERNON",484350,510400,510400]
["MO","WARREN",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF WARREN",484350,510400,510400]
["MO","WASHINGTON",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF WASHINGTON",484350,510400,510400]
["MO","WAYNE",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF WAYNE",484350,510400,510400]
["MO","WEBSTER",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF WEBSTER",484350,510400,510400]
["MO","WORTH",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF WORTH",484350,510400,510400]
["MO","WRIGHT",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF WRIGHT",484350,510400,510400]
["MO","ST. LOUIS CITY",510400,"Missouri","Missouri",null,"Missouri  /  COUNTY OF ST. LOUIS CITY",484350,510400,510400]
["MT","BEAVERHEAD",510400,"Montana","Montana",null,"Montana  /  COUNTY OF BEAVERHEAD",484350,510400,510400]
["MT","BIG HORN",510400,"Montana","Montana",null,"Montana  /  COUNTY OF BIG HORN",484350,510400,510400]
["MT","BLAINE",{"$f":"+IF($E$107=FALSE,H1781,I1781)","v":510400},"Montana","Montana",null,"Montana  /  COUNTY OF BLAINE",484350,510400,510400]
["MT","BROADWATER",510400,"Montana","Montana",null,"Montana  /  COUNTY OF BROADWATER",484350,510400,510400]
["MT","CARBON",510400,"Montana","Montana",null,"Montana  /  COUNTY OF CARBON",484350,510400,510400]
["MT","CARTER",510400,"Montana","Montana",null,"Montana  /  COUNTY OF CARTER",484350,510400,510400]
["MT","CASCADE",510400,"Montana","Montana",null,"Montana  /  COUNTY OF CASCADE",484350,510400,510400]
["MT","CHOUTEAU",510400,"Montana","Montana",null,"Montana  /  COUNTY OF CHOUTEAU",484350,510400,510400]
["MT","CUSTER",510400,"Montana","Montana",null,"Montana  /  COUNTY OF CUSTER",484350,510400,510400]
["MT","DANIELS",510400,"Montana","Montana",null,"Montana  /  COUNTY OF DANIELS",484350,510400,510400]
["MT","DAWSON",510400,"Montana","Montana",null,"Montana  /  COUNTY OF DAWSON",484350,510400,510400]
["MT","DEER LODGE",510400,"Montana","Montana",null,"Montana  /  COUNTY OF DEER LODGE",484350,510400,510400]
["MT","FALLON",510400,"Montana","Montana",null,"Montana  /  COUNTY OF FALLON",484350,510400,510400]
["MT","FERGUS",510400,"Montana","Montana",null,{"$f":" CONCATENATE(E1792,\"  /  COUNTY OF \",B1792)","v":"Montana  /  COUNTY OF FERGUS"},484350,510400,510400]
["MT","FLATHEAD",510400,"Montana","Montana",null,"Montana  /  COUNTY OF FLATHEAD",484350,510400,510400]
["MT","GALLATIN",510400,"Montana","Montana",null,"Montana  /  COUNTY OF GALLATIN",484350,510400,510400]
["MT","GARFIELD",510400,"Montana","Montana",null,"Montana  /  COUNTY OF GARFIELD",484350,510400,510400]
["MT","GLACIER",510400,"Montana","Montana",null,"Montana  /  COUNTY OF GLACIER",484350,510400,510400]
["MT","GOLDEN VALLEY",510400,"Montana","Montana",null,"Montana  /  COUNTY OF GOLDEN VALLEY",484350,510400,510400]
["MT","GRANITE",510400,"Montana","Montana",null,"Montana  /  COUNTY OF GRANITE",484350,510400,510400]
["MT","HILL",510400,"Montana","Montana",null,"Montana  /  COUNTY OF HILL",484350,510400,510400]
["MT","JEFFERSON",510400,"Montana","Montana",null,"Montana  /  COUNTY OF JEFFERSON",484350,510400,510400]
["MT","JUDITH BASIN",510400,"Montana","Montana",null,"Montana  /  COUNTY OF JUDITH BASIN",484350,510400,510400]
["MT","LAKE",510400,"Montana","Montana",null,"Montana  /  COUNTY OF LAKE",484350,510400,510400]
["MT","LEWIS AND CLARK",510400,"Montana","Montana",null,"Montana  /  COUNTY OF LEWIS AND CLARK",484350,510400,510400]
["MT","LIBERTY",510400,"Montana","Montana",null,"Montana  /  COUNTY OF LIBERTY",484350,510400,510400]
["MT","LINCOLN",510400,"Montana","Montana",null,"Montana  /  COUNTY OF LINCOLN",484350,510400,510400]
["MT","MCCONE",510400,"Montana","Montana",null,"Montana  /  COUNTY OF MCCONE",484350,510400,510400]
["MT","MADISON",510400,"Montana","Montana",null,"Montana  /  COUNTY OF MADISON",484350,510400,510400]
["MT","MEAGHER",510400,"Montana","Montana",null,"Montana  /  COUNTY OF MEAGHER",484350,510400,510400]
["MT","MINERAL",510400,"Montana","Montana",null,"Montana  /  COUNTY OF MINERAL",484350,510400,510400]
["MT","MISSOULA",510400,"Montana","Montana",null,"Montana  /  COUNTY OF MISSOULA",484350,510400,510400]
["MT","MUSSELSHELL",510400,"Montana","Montana",null,"Montana  /  COUNTY OF MUSSELSHELL",484350,510400,510400]
["MT","PARK",510400,"Montana","Montana",null,"Montana  /  COUNTY OF PARK",484350,510400,510400]
["MT","PETROLEUM",510400,"Montana","Montana",null,"Montana  /  COUNTY OF PETROLEUM",484350,510400,510400]
["MT","PHILLIPS",510400,"Montana","Montana",null,"Montana  /  COUNTY OF PHILLIPS",484350,510400,510400]
["MT","PONDERA",510400,"Montana","Montana",null,"Montana  /  COUNTY OF PONDERA",484350,510400,510400]
["MT","POWDER RIVER",510400,"Montana","Montana",null,"Montana  /  COUNTY OF POWDER RIVER",484350,510400,510400]
["MT","POWELL",510400,"Montana","Montana",null,"Montana  /  COUNTY OF POWELL",484350,510400,510400]
["MT","PRAIRIE",510400,"Montana","Montana",null,"Montana  /  COUNTY OF PRAIRIE",484350,510400,510400]
["MT","RAVALLI",510400,"Montana","Montana",null,"Montana  /  COUNTY OF RAVALLI",484350,510400,510400]
["MT","RICHLAND",510400,"Montana","Montana",null,"Montana  /  COUNTY OF RICHLAND",484350,510400,510400]
["MT","ROOSEVELT",510400,"Montana","Montana",null,"Montana  /  COUNTY OF ROOSEVELT",484350,510400,510400]
["MT","ROSEBUD",510400,"Montana","Montana",null,"Montana  /  COUNTY OF ROSEBUD",484350,510400,510400]
["MT","SANDERS",510400,"Montana","Montana",null,"Montana  /  COUNTY OF SANDERS",484350,510400,510400]
["MT","SHERIDAN",510400,"Montana","Montana",null,"Montana  /  COUNTY OF SHERIDAN",484350,510400,510400]
["MT","SILVER BOW",510400,"Montana","Montana",null,"Montana  /  COUNTY OF SILVER BOW",484350,510400,510400]
["MT","STILLWATER",510400,"Montana","Montana",null,"Montana  /  COUNTY OF STILLWATER",484350,510400,510400]
["MT","SWEET GRASS",510400,"Montana","Montana",null,"Montana  /  COUNTY OF SWEET GRASS",484350,510400,510400]
["MT","TETON",510400,"Montana","Montana",null,"Montana  /  COUNTY OF TETON",484350,510400,510400]
["MT","TOOLE",510400,"Montana","Montana",null,"Montana  /  COUNTY OF TOOLE",484350,510400,510400]
["MT","TREASURE",510400,"Montana","Montana",null,"Montana  /  COUNTY OF TREASURE",484350,510400,510400]
["MT","VALLEY",510400,"Montana","Montana",null,"Montana  /  COUNTY OF VALLEY",484350,510400,510400]
["MT","WHEATLAND",510400,"Montana","Montana",null,"Montana  /  COUNTY OF WHEATLAND",484350,510400,510400]
["MT","WIBAUX",510400,"Montana","Montana",null,"Montana  /  COUNTY OF WIBAUX",484350,510400,510400]
["MT","YELLOWSTONE",510400,"Montana","Montana",null,"Montana  /  COUNTY OF YELLOWSTONE",484350,510400,510400]
["NE","ADAMS",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF ADAMS",484350,510400,510400]
["NE","ANTELOPE",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF ANTELOPE",484350,510400,510400]
["NE","ARTHUR",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF ARTHUR",484350,510400,510400]
["NE","BANNER",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF BANNER",484350,510400,510400]
["NE","BLAINE",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF BLAINE",484350,510400,510400]
["NE","BOONE",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF BOONE",484350,510400,510400]
["NE","BOX BUTTE",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF BOX BUTTE",484350,510400,510400]
["NE","BOYD",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF BOYD",484350,510400,510400]
["NE","BROWN",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF BROWN",484350,510400,510400]
["NE","BUFFALO",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF BUFFALO",484350,510400,510400]
["NE","BURT",{"$f":"+IF($E$107=FALSE,H1845,I1845)","v":510400},"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF BURT",484350,510400,510400]
["NE","BUTLER",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF BUTLER",484350,510400,510400]
["NE","CASS",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF CASS",484350,510400,510400]
["NE","CEDAR",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF CEDAR",484350,510400,510400]
["NE","CHASE",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF CHASE",484350,510400,510400]
["NE","CHERRY",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF CHERRY",484350,510400,510400]
["NE","CHEYENNE",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF CHEYENNE",484350,510400,510400]
["NE","CLAY",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF CLAY",484350,510400,510400]
["NE","COLFAX",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF COLFAX",484350,510400,510400]
["NE","CUMING",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF CUMING",484350,510400,510400]
["NE","CUSTER",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF CUSTER",484350,510400,510400]
["NE","DAKOTA",510400,"Nebraska","Nebraska",null,{"$f":" CONCATENATE(E1856,\"  /  COUNTY OF \",B1856)","v":"Nebraska  /  COUNTY OF DAKOTA"},484350,510400,510400]
["NE","DAWES",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF DAWES",484350,510400,510400]
["NE","DAWSON",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF DAWSON",484350,510400,510400]
["NE","DEUEL",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF DEUEL",484350,510400,510400]
["NE","DIXON",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF DIXON",484350,510400,510400]
["NE","DODGE",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF DODGE",484350,510400,510400]
["NE","DOUGLAS",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF DOUGLAS",484350,510400,510400]
["NE","DUNDY",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF DUNDY",484350,510400,510400]
["NE","FILLMORE",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF FILLMORE",484350,510400,510400]
["NE","FRANKLIN",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF FRANKLIN",484350,510400,510400]
["NE","FRONTIER",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF FRONTIER",484350,510400,510400]
["NE","FURNAS",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF FURNAS",484350,510400,510400]
["NE","GAGE",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF GAGE",484350,510400,510400]
["NE","GARDEN",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF GARDEN",484350,510400,510400]
["NE","GARFIELD",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF GARFIELD",484350,510400,510400]
["NE","GOSPER",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF GOSPER",484350,510400,510400]
["NE","GRANT",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF GRANT",484350,510400,510400]
["NE","GREELEY",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF GREELEY",484350,510400,510400]
["NE","HALL",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF HALL",484350,510400,510400]
["NE","HAMILTON",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF HAMILTON",484350,510400,510400]
["NE","HARLAN",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF HARLAN",484350,510400,510400]
["NE","HAYES",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF HAYES",484350,510400,510400]
["NE","HITCHCOCK",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF HITCHCOCK",484350,510400,510400]
["NE","HOLT",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF HOLT",484350,510400,510400]
["NE","HOOKER",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF HOOKER",484350,510400,510400]
["NE","HOWARD",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF HOWARD",484350,510400,510400]
["NE","JEFFERSON",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF JEFFERSON",484350,510400,510400]
["NE","JOHNSON",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF JOHNSON",484350,510400,510400]
["NE","KEARNEY",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF KEARNEY",484350,510400,510400]
["NE","KEITH",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF KEITH",484350,510400,510400]
["NE","KEYA PAHA",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF KEYA PAHA",484350,510400,510400]
["NE","KIMBALL",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF KIMBALL",484350,510400,510400]
["NE","KNOX",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF KNOX",484350,510400,510400]
["NE","LANCASTER",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF LANCASTER",484350,510400,510400]
["NE","LINCOLN",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF LINCOLN",484350,510400,510400]
["NE","LOGAN",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF LOGAN",484350,510400,510400]
["NE","LOUP",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF LOUP",484350,510400,510400]
["NE","MCPHERSON",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF MCPHERSON",484350,510400,510400]
["NE","MADISON",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF MADISON",484350,510400,510400]
["NE","MERRICK",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF MERRICK",484350,510400,510400]
["NE","MORRILL",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF MORRILL",484350,510400,510400]
["NE","NANCE",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF NANCE",484350,510400,510400]
["NE","NEMAHA",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF NEMAHA",484350,510400,510400]
["NE","NUCKOLLS",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF NUCKOLLS",484350,510400,510400]
["NE","OTOE",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF OTOE",484350,510400,510400]
["NE","PAWNEE",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF PAWNEE",484350,510400,510400]
["NE","PERKINS",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF PERKINS",484350,510400,510400]
["NE","PHELPS",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF PHELPS",484350,510400,510400]
["NE","PIERCE",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF PIERCE",484350,510400,510400]
["NE","PLATTE",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF PLATTE",484350,510400,510400]
["NE","POLK",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF POLK",484350,510400,510400]
["NE","RED WILLOW",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF RED WILLOW",484350,510400,510400]
["NE","RICHARDSON",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF RICHARDSON",484350,510400,510400]
["NE","ROCK",{"$f":"+IF($E$107=FALSE,H1909,I1909)","v":510400},"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF ROCK",484350,510400,510400]
["NE","SALINE",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF SALINE",484350,510400,510400]
["NE","SARPY",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF SARPY",484350,510400,510400]
["NE","SAUNDERS",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF SAUNDERS",484350,510400,510400]
["NE","SCOTTS BLUFF",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF SCOTTS BLUFF",484350,510400,510400]
["NE","SEWARD",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF SEWARD",484350,510400,510400]
["NE","SHERIDAN",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF SHERIDAN",484350,510400,510400]
["NE","SHERMAN",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF SHERMAN",484350,510400,510400]
["NE","SIOUX",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF SIOUX",484350,510400,510400]
["NE","STANTON",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF STANTON",484350,510400,510400]
["NE","THAYER",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF THAYER",484350,510400,510400]
["NE","THOMAS",510400,"Nebraska","Nebraska",null,{"$f":" CONCATENATE(E1920,\"  /  COUNTY OF \",B1920)","v":"Nebraska  /  COUNTY OF THOMAS"},484350,510400,510400]
["NE","THURSTON",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF THURSTON",484350,510400,510400]
["NE","VALLEY",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF VALLEY",484350,510400,510400]
["NE","WASHINGTON",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF WASHINGTON",484350,510400,510400]
["NE","WAYNE",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF WAYNE",484350,510400,510400]
["NE","WEBSTER",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF WEBSTER",484350,510400,510400]
["NE","WHEELER",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF WHEELER",484350,510400,510400]
["NE","YORK",510400,"Nebraska","Nebraska",null,"Nebraska  /  COUNTY OF YORK",484350,510400,510400]
["NV","CHURCHILL",510400,"Nevada","Nevada",null,"Nevada  /  COUNTY OF CHURCHILL",484350,510400,510400]
["NV","CLARK",510400,"Nevada","Nevada",null,"Nevada  /  COUNTY OF CLARK",484350,510400,510400]
["NV","DOUGLAS",510400,"Nevada","Nevada",null,"Nevada  /  COUNTY OF DOUGLAS",484350,510400,510400]
["NV","ELKO",510400,"Nevada","Nevada",null,"Nevada  /  COUNTY OF ELKO",484350,510400,510400]
["NV","ESMERALDA",510400,"Nevada","Nevada",null,"Nevada  /  COUNTY OF ESMERALDA",484350,510400,510400]
["NV","EUREKA",510400,"Nevada","Nevada",null,"Nevada  /  COUNTY OF EUREKA",484350,510400,510400]
["NV","HUMBOLDT",510400,"Nevada","Nevada",null,"Nevada  /  COUNTY OF HUMBOLDT",484350,510400,510400]
["NV","LANDER",510400,"Nevada","Nevada",null,"Nevada  /  COUNTY OF LANDER",484350,510400,510400]
["NV","LINCOLN",510400,"Nevada","Nevada",null,"Nevada  /  COUNTY OF LINCOLN",484350,510400,510400]
["NV","LYON",510400,"Nevada","Nevada",null,"Nevada  /  COUNTY OF LYON",484350,510400,510400]
["NV","MINERAL",510400,"Nevada","Nevada",null,"Nevada  /  COUNTY OF MINERAL",484350,510400,510400]
["NV","NYE",510400,"Nevada","Nevada",null,"Nevada  /  COUNTY OF NYE",484350,510400,510400]
["NV","PERSHING",510400,"Nevada","Nevada",null,"Nevada  /  COUNTY OF PERSHING",484350,510400,510400]
["NV","STOREY",510400,"Nevada","Nevada",null,"Nevada  /  COUNTY OF STOREY",484350,510400,510400]
["NV","WASHOE",510400,"Nevada","Nevada",null,"Nevada  /  COUNTY OF WASHOE",484350,510400,510400]
["NV","WHITE PINE",510400,"Nevada","Nevada",null,"Nevada  /  COUNTY OF WHITE PINE",484350,510400,510400]
["NV","CARSON CITY",510400,"Nevada","Nevada",null,"Nevada  /  COUNTY OF CARSON CITY",484350,510400,510400]
["NH","BELKNAP",510400,"New Hampshire","New Hampshire",null,"New Hampshire  /  COUNTY OF BELKNAP",484350,510400,510400]
["NH","CARROLL",510400,"New Hampshire","New Hampshire",null,"New Hampshire  /  COUNTY OF CARROLL",484350,510400,510400]
["NH","CHESHIRE",510400,"New Hampshire","New Hampshire",null,"New Hampshire  /  COUNTY OF CHESHIRE",484350,510400,510400]
["NH","COOS",510400,"New Hampshire","New Hampshire",null,"New Hampshire  /  COUNTY OF COOS",484350,510400,510400]
["NH","GRAFTON",510400,"New Hampshire","New Hampshire",null,"New Hampshire  /  COUNTY OF GRAFTON",484350,510400,510400]
["NH","HILLSBOROUGH",510400,"New Hampshire","New Hampshire",null,"New Hampshire  /  COUNTY OF HILLSBOROUGH",484350,510400,510400]
["NH","MERRIMACK",510400,"New Hampshire","New Hampshire",null,"New Hampshire  /  COUNTY OF MERRIMACK",484350,510400,510400]
["NH","ROCKINGHAM",0,"New Hampshire","New Hampshire",null,"New Hampshire  /  COUNTY OF ROCKINGHAM",688850,null,690000]
["NH","STRAFFORD",0,"New Hampshire","New Hampshire",null,"New Hampshire  /  COUNTY OF STRAFFORD",688850,null,690000]
["NH","SULLIVAN",510400,"New Hampshire","New Hampshire",null,"New Hampshire  /  COUNTY OF SULLIVAN",484350,510400,510400]
["NJ","ATLANTIC",510400,"New Jersey","New Jersey",null,"New Jersey  /  COUNTY OF ATLANTIC",484350,510400,510400]
["NJ","BERGEN",0,"New Jersey","New Jersey",null,"New Jersey  /  COUNTY OF BERGEN",726525,null,765600]
["NJ","BURLINGTON",510400,"New Jersey","New Jersey",null,"New Jersey  /  COUNTY OF BURLINGTON",484350,510400,510400]
["NJ","CAMDEN",510400,"New Jersey","New Jersey",null,"New Jersey  /  COUNTY OF CAMDEN",484350,510400,510400]
["NJ","CAPE MAY",510400,"New Jersey","New Jersey",null,"New Jersey  /  COUNTY OF CAPE MAY",484350,510400,510400]
["NJ","CUMBERLAND",510400,"New Jersey","New Jersey",null,"New Jersey  /  COUNTY OF CUMBERLAND",484350,510400,510400]
["NJ","ESSEX",0,"New Jersey","New Jersey",null,"New Jersey  /  COUNTY OF ESSEX",726525,null,765600]
["NJ","GLOUCESTER",510400,"New Jersey","New Jersey",null,"New Jersey  /  COUNTY OF GLOUCESTER",484350,510400,510400]
["NJ","HUDSON",0,"New Jersey","New Jersey",null,"New Jersey  /  COUNTY OF HUDSON",726525,null,765600]
["NJ","HUNTERDON",0,"New Jersey","New Jersey",null,"New Jersey  /  COUNTY OF HUNTERDON",726525,null,765600]
["NJ","MERCER",510400,"New Jersey","New Jersey",null,"New Jersey  /  COUNTY OF MERCER",484350,510400,510400]
["NJ","MIDDLESEX",0,"New Jersey","New Jersey",null,"New Jersey  /  COUNTY OF MIDDLESEX",726525,null,765600]
["NJ","MONMOUTH",0,"New Jersey","New Jersey",null,"New Jersey  /  COUNTY OF MONMOUTH",726525,null,765600]
["NJ","MORRIS",0,"New Jersey","New Jersey",null,"New Jersey  /  COUNTY OF MORRIS",726525,null,765600]
["NJ","OCEAN",0,"New Jersey","New Jersey",null,"New Jersey  /  COUNTY OF OCEAN",726525,null,765600]
["NJ","PASSAIC",0,"New Jersey","New Jersey",null,"New Jersey  /  COUNTY OF PASSAIC",726525,null,765600]
["NJ","SALEM",510400,"New Jersey","New Jersey",null,"New Jersey  /  COUNTY OF SALEM",484350,510400,510400]
["NJ","SOMERSET",0,"New Jersey","New Jersey",null,"New Jersey  /  COUNTY OF SOMERSET",726525,null,765600]
["NJ","SUSSEX",{"$f":"+IF($E$107=FALSE,H1973,I1973)","v":0},"New Jersey","New Jersey",null,"New Jersey  /  COUNTY OF SUSSEX",726525,null,765600]
["NJ","UNION",0,"New Jersey","New Jersey",null,"New Jersey  /  COUNTY OF UNION",726525,null,765600]
["NJ","WARREN",510400,"New Jersey","New Jersey",null,"New Jersey  /  COUNTY OF WARREN",484350,510400,510400]
["NM","BERNALILLO",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF BERNALILLO",484350,510400,510400]
["NM","CATRON",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF CATRON",484350,510400,510400]
["NM","CHAVES",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF CHAVES",484350,510400,510400]
["NM","CIBOLA",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF CIBOLA",484350,510400,510400]
["NM","COLFAX",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF COLFAX",484350,510400,510400]
["NM","CURRY",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF CURRY",484350,510400,510400]
["NM","DE BACA",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF DE BACA",484350,510400,510400]
["NM","DONA ANA",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF DONA ANA",484350,510400,510400]
["NM","EDDY",510400,"New Mexico","New Mexico",null,{"$f":" CONCATENATE(E1984,\"  /  COUNTY OF \",B1984)","v":"New Mexico  /  COUNTY OF EDDY"},484350,510400,510400]
["NM","GRANT",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF GRANT",484350,510400,510400]
["NM","GUADALUPE",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF GUADALUPE",484350,510400,510400]
["NM","HARDING",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF HARDING",484350,510400,510400]
["NM","HIDALGO",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF HIDALGO",484350,510400,510400]
["NM","LEA",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF LEA",484350,510400,510400]
["NM","LINCOLN",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF LINCOLN",484350,510400,510400]
["NM","LOS ALAMOS",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF LOS ALAMOS",484350,510400,510400]
["NM","LUNA",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF LUNA",484350,510400,510400]
["NM","MCKINLEY",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF MCKINLEY",484350,510400,510400]
["NM","MORA",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF MORA",484350,510400,510400]
["NM","OTERO",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF OTERO",484350,510400,510400]
["NM","QUAY",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF QUAY",484350,510400,510400]
["NM","RIO ARRIBA",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF RIO ARRIBA",484350,510400,510400]
["NM","ROOSEVELT",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF ROOSEVELT",484350,510400,510400]
["NM","SANDOVAL",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF SANDOVAL",484350,510400,510400]
["NM","SAN JUAN",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF SAN JUAN",484350,510400,510400]
["NM","SAN MIGUEL",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF SAN MIGUEL",484350,510400,510400]
["NM","SANTA FE",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF SANTA FE",484350,510400,510400]
["NM","SIERRA",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF SIERRA",484350,510400,510400]
["NM","SOCORRO",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF SOCORRO",484350,510400,510400]
["NM","TAOS",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF TAOS",484350,510400,510400]
["NM","TORRANCE",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF TORRANCE",484350,510400,510400]
["NM","UNION",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF UNION",484350,510400,510400]
["NM","VALENCIA",510400,"New Mexico","New Mexico",null,"New Mexico  /  COUNTY OF VALENCIA",484350,510400,510400]
["NY","ALBANY",510400,"New York","New York",null,"New York  /  COUNTY OF ALBANY",484350,510400,510400]
["NY","ALLEGANY",510400,"New York","New York",null,"New York  /  COUNTY OF ALLEGANY",484350,510400,510400]
["NY","BRONX",0,"New York","New York",null,"New York  /  COUNTY OF BRONX",726525,null,765600]
["NY","BROOME",510400,"New York","New York",null,"New York  /  COUNTY OF BROOME",484350,510400,510400]
["NY","CATTARAUGUS",510400,"New York","New York",null,"New York  /  COUNTY OF CATTARAUGUS",484350,510400,510400]
["NY","CAYUGA",510400,"New York","New York",null,"New York  /  COUNTY OF CAYUGA",484350,510400,510400]
["NY","CHAUTAUQUA",510400,"New York","New York",null,"New York  /  COUNTY OF CHAUTAUQUA",484350,510400,510400]
["NY","CHEMUNG",510400,"New York","New York",null,"New York  /  COUNTY OF CHEMUNG",484350,510400,510400]
["NY","CHENANGO",510400,"New York","New York",null,"New York  /  COUNTY OF CHENANGO",484350,510400,510400]
["NY","CLINTON",510400,"New York","New York",null,"New York  /  COUNTY OF CLINTON",484350,510400,510400]
["NY","COLUMBIA",510400,"New York","New York",null,"New York  /  COUNTY OF COLUMBIA",484350,510400,510400]
["NY","CORTLAND",510400,"New York","New York",null,"New York  /  COUNTY OF CORTLAND",484350,510400,510400]
["NY","DELAWARE",510400,"New York","New York",null,"New York  /  COUNTY OF DELAWARE",484350,510400,510400]
["NY","DUTCHESS",0,"New York","New York",null,"New York  /  COUNTY OF DUTCHESS",726525,null,726525]
["NY","ERIE",510400,"New York","New York",null,"New York  /  COUNTY OF ERIE",484350,510400,510400]
["NY","ESSEX",510400,"New York","New York",null,"New York  /  COUNTY OF ESSEX",484350,510400,510400]
["NY","FRANKLIN",510400,"New York","New York",null,"New York  /  COUNTY OF FRANKLIN",484350,510400,510400]
["NY","FULTON",510400,"New York","New York",null,"New York  /  COUNTY OF FULTON",484350,510400,510400]
["NY","GENESEE",510400,"New York","New York",null,"New York  /  COUNTY OF GENESEE",484350,510400,510400]
["NY","GREENE",510400,"New York","New York",null,"New York  /  COUNTY OF GREENE",484350,510400,510400]
["NY","HAMILTON",510400,"New York","New York",null,"New York  /  COUNTY OF HAMILTON",484350,510400,510400]
["NY","HERKIMER",510400,"New York","New York",null,"New York  /  COUNTY OF HERKIMER",484350,510400,510400]
["NY","JEFFERSON",510400,"New York","New York",null,"New York  /  COUNTY OF JEFFERSON",484350,510400,510400]
["NY","KINGS",0,"New York","New York",null,"New York  /  COUNTY OF KINGS",726525,null,765600]
["NY","LEWIS",510400,"New York","New York",null,"New York  /  COUNTY OF LEWIS",484350,510400,510400]
["NY","LIVINGSTON",510400,"New York","New York",null,"New York  /  COUNTY OF LIVINGSTON",484350,510400,510400]
["NY","MADISON",510400,"New York","New York",null,"New York  /  COUNTY OF MADISON",484350,510400,510400]
["NY","MONROE",510400,"New York","New York",null,"New York  /  COUNTY OF MONROE",484350,510400,510400]
["NY","MONTGOMERY",{"$f":"+IF($E$107=FALSE,H2037,I2037)","v":510400},"New York","New York",null,"New York  /  COUNTY OF MONTGOMERY",484350,510400,510400]
["NY","NASSAU",0,"New York","New York",null,"New York  /  COUNTY OF NASSAU",726525,null,765600]
["NY","NEW YORK",0,"New York","New York",null,"New York  /  COUNTY OF NEW YORK",726525,null,765600]
["NY","NIAGARA",510400,"New York","New York",null,"New York  /  COUNTY OF NIAGARA",484350,510400,510400]
["NY","ONEIDA",510400,"New York","New York",null,"New York  /  COUNTY OF ONEIDA",484350,510400,510400]
["NY","ONONDAGA",510400,"New York","New York",null,"New York  /  COUNTY OF ONONDAGA",484350,510400,510400]
["NY","ONTARIO",510400,"New York","New York",null,"New York  /  COUNTY OF ONTARIO",484350,510400,510400]
["NY","ORANGE",0,"New York","New York",null,"New York  /  COUNTY OF ORANGE",726525,null,726525]
["NY","ORLEANS",510400,"New York","New York",null,"New York  /  COUNTY OF ORLEANS",484350,510400,510400]
["NY","OSWEGO",510400,"New York","New York",null,"New York  /  COUNTY OF OSWEGO",484350,510400,510400]
["NY","OTSEGO",510400,"New York","New York",null,"New York  /  COUNTY OF OTSEGO",484350,510400,510400]
["NY","PUTNAM",0,"New York","New York",null,{"$f":" CONCATENATE(E2048,\"  /  COUNTY OF \",B2048)","v":"New York  /  COUNTY OF PUTNAM"},726525,null,765600]
["NY","QUEENS",0,"New York","New York",null,"New York  /  COUNTY OF QUEENS",726525,null,765600]
["NY","RENSSELAER",510400,"New York","New York",null,"New York  /  COUNTY OF RENSSELAER",484350,510400,510400]
["NY","RICHMOND",0,"New York","New York",null,"New York  /  COUNTY OF RICHMOND",726525,null,765600]
["NY","ROCKLAND",0,"New York","New York",null,"New York  /  COUNTY OF ROCKLAND",726525,null,765600]
["NY","ST. LAWRENCE",510400,"New York","New York",null,"New York  /  COUNTY OF ST. LAWRENCE",484350,510400,510400]
["NY","SARATOGA",510400,"New York","New York",null,"New York  /  COUNTY OF SARATOGA",484350,510400,510400]
["NY","SCHENECTADY",510400,"New York","New York",null,"New York  /  COUNTY OF SCHENECTADY",484350,510400,510400]
["NY","SCHOHARIE",510400,"New York","New York",null,"New York  /  COUNTY OF SCHOHARIE",484350,510400,510400]
["NY","SCHUYLER",510400,"New York","New York",null,"New York  /  COUNTY OF SCHUYLER",484350,510400,510400]
["NY","SENECA",510400,"New York","New York",null,"New York  /  COUNTY OF SENECA",484350,510400,510400]
["NY","STEUBEN",510400,"New York","New York",null,"New York  /  COUNTY OF STEUBEN",484350,510400,510400]
["NY","SUFFOLK",0,"New York","New York",null,"New York  /  COUNTY OF SUFFOLK",726525,null,765600]
["NY","SULLIVAN",510400,"New York","New York",null,"New York  /  COUNTY OF SULLIVAN",484350,510400,510400]
["NY","TIOGA",510400,"New York","New York",null,"New York  /  COUNTY OF TIOGA",484350,510400,510400]
["NY","TOMPKINS",510400,"New York","New York",null,"New York  /  COUNTY OF TOMPKINS",484350,510400,510400]
["NY","ULSTER",510400,"New York","New York",null,"New York  /  COUNTY OF ULSTER",484350,510400,510400]
["NY","WARREN",510400,"New York","New York",null,"New York  /  COUNTY OF WARREN",484350,510400,510400]
["NY","WASHINGTON",510400,"New York","New York",null,"New York  /  COUNTY OF WASHINGTON",484350,510400,510400]
["NY","WAYNE",510400,"New York","New York",null,"New York  /  COUNTY OF WAYNE",484350,510400,510400]
["NY","WESTCHESTER",0,"New York","New York",null,"New York  /  COUNTY OF WESTCHESTER",726525,null,765600]
["NY","WYOMING",510400,"New York","New York",null,"New York  /  COUNTY OF WYOMING",484350,510400,510400]
["NY","YATES",510400,"New York","New York",null,"New York  /  COUNTY OF YATES",484350,510400,510400]
["NC","ALAMANCE",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF ALAMANCE",484350,510400,510400]
["NC","ALEXANDER",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF ALEXANDER",484350,510400,510400]
["NC","ALLEGHANY",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF ALLEGHANY",484350,510400,510400]
["NC","ANSON",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF ANSON",484350,510400,510400]
["NC","ASHE",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF ASHE",484350,510400,510400]
["NC","AVERY",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF AVERY",484350,510400,510400]
["NC","BEAUFORT",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF BEAUFORT",484350,510400,510400]
["NC","BERTIE",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF BERTIE",484350,510400,510400]
["NC","BLADEN",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF BLADEN",484350,510400,510400]
["NC","BRUNSWICK",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF BRUNSWICK",484350,510400,510400]
["NC","BUNCOMBE",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF BUNCOMBE",484350,510400,510400]
["NC","BURKE",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF BURKE",484350,510400,510400]
["NC","CABARRUS",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF CABARRUS",484350,510400,510400]
["NC","CALDWELL",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF CALDWELL",484350,510400,510400]
["NC","CAMDEN",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF CAMDEN",625500,510400,510400]
["NC","CARTERET",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF CARTERET",484350,510400,510400]
["NC","CASWELL",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF CASWELL",484350,510400,510400]
["NC","CATAWBA",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF CATAWBA",484350,510400,510400]
["NC","CHATHAM",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF CHATHAM",484350,510400,510400]
["NC","CHEROKEE",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF CHEROKEE",484350,510400,510400]
["NC","CHOWAN",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF CHOWAN",484350,510400,510400]
["NC","CLAY",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF CLAY",484350,510400,510400]
["NC","CLEVELAND",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF CLEVELAND",484350,510400,510400]
["NC","COLUMBUS",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF COLUMBUS",484350,510400,510400]
["NC","CRAVEN",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF CRAVEN",484350,510400,510400]
["NC","CUMBERLAND",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF CUMBERLAND",484350,510400,510400]
["NC","CURRITUCK",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF CURRITUCK",484350,510400,510400]
["NC","DARE",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF DARE",484350,510400,510400]
["NC","DAVIDSON",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF DAVIDSON",484350,510400,510400]
["NC","DAVIE",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF DAVIE",484350,510400,510400]
["NC","DUPLIN",{"$f":"+IF($E$107=FALSE,H2101,I2101)","v":510400},"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF DUPLIN",484350,510400,510400]
["NC","DURHAM",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF DURHAM",484350,510400,510400]
["NC","EDGECOMBE",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF EDGECOMBE",484350,510400,510400]
["NC","FORSYTH",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF FORSYTH",484350,510400,510400]
["NC","FRANKLIN",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF FRANKLIN",484350,510400,510400]
["NC","GASTON",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF GASTON",484350,510400,510400]
["NC","GATES",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF GATES",484350,510400,510400]
["NC","GRAHAM",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF GRAHAM",484350,510400,510400]
["NC","GRANVILLE",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF GRANVILLE",484350,510400,510400]
["NC","GREENE",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF GREENE",484350,510400,510400]
["NC","GUILFORD",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF GUILFORD",484350,510400,510400]
["NC","HALIFAX",510400,"North Carolina","North Carolina",null,{"$f":" CONCATENATE(E2112,\"  /  COUNTY OF \",B2112)","v":"North Carolina  /  COUNTY OF HALIFAX"},484350,510400,510400]
["NC","HARNETT",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF HARNETT",484350,510400,510400]
["NC","HAYWOOD",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF HAYWOOD",484350,510400,510400]
["NC","HENDERSON",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF HENDERSON",484350,510400,510400]
["NC","HERTFORD",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF HERTFORD",484350,510400,510400]
["NC","HOKE",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF HOKE",484350,510400,510400]
["NC","HYDE",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF HYDE",484350,510400,510400]
["NC","IREDELL",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF IREDELL",484350,510400,510400]
["NC","JACKSON",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF JACKSON",484350,510400,510400]
["NC","JOHNSTON",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF JOHNSTON",484350,510400,510400]
["NC","JONES",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF JONES",484350,510400,510400]
["NC","LEE",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF LEE",484350,510400,510400]
["NC","LENOIR",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF LENOIR",484350,510400,510400]
["NC","LINCOLN",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF LINCOLN",484350,510400,510400]
["NC","MCDOWELL",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF MCDOWELL",484350,510400,510400]
["NC","MACON",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF MACON",484350,510400,510400]
["NC","MADISON",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF MADISON",484350,510400,510400]
["NC","MARTIN",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF MARTIN",484350,510400,510400]
["NC","MECKLENBURG",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF MECKLENBURG",484350,510400,510400]
["NC","MITCHELL",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF MITCHELL",484350,510400,510400]
["NC","MONTGOMERY",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF MONTGOMERY",484350,510400,510400]
["NC","MOORE",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF MOORE",484350,510400,510400]
["NC","NASH",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF NASH",484350,510400,510400]
["NC","NEW HANOVER",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF NEW HANOVER",484350,510400,510400]
["NC","NORTHAMPTON",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF NORTHAMPTON",484350,510400,510400]
["NC","ONSLOW",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF ONSLOW",484350,510400,510400]
["NC","ORANGE",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF ORANGE",484350,510400,510400]
["NC","PAMLICO",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF PAMLICO",484350,510400,510400]
["NC","PASQUOTANK",0,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF PASQUOTANK",625500,null,625500]
["NC","PENDER",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF PENDER",484350,510400,510400]
["NC","PERQUIMANS",0,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF PERQUIMANS",625500,null,625500]
["NC","PERSON",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF PERSON",484350,510400,510400]
["NC","PITT",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF PITT",484350,510400,510400]
["NC","POLK",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF POLK",484350,510400,510400]
["NC","RANDOLPH",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF RANDOLPH",484350,510400,510400]
["NC","RICHMOND",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF RICHMOND",484350,510400,510400]
["NC","ROBESON",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF ROBESON",484350,510400,510400]
["NC","ROCKINGHAM",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF ROCKINGHAM",484350,510400,510400]
["NC","ROWAN",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF ROWAN",484350,510400,510400]
["NC","RUTHERFORD",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF RUTHERFORD",484350,510400,510400]
["NC","SAMPSON",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF SAMPSON",484350,510400,510400]
["NC","SCOTLAND",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF SCOTLAND",484350,510400,510400]
["NC","STANLY",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF STANLY",484350,510400,510400]
["NC","STOKES",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF STOKES",484350,510400,510400]
["NC","SURRY",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF SURRY",484350,510400,510400]
["NC","SWAIN",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF SWAIN",484350,510400,510400]
["NC","TRANSYLVANIA",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF TRANSYLVANIA",484350,510400,510400]
["NC","TYRRELL",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF TYRRELL",484350,510400,510400]
["NC","UNION",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF UNION",484350,510400,510400]
["NC","VANCE",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF VANCE",484350,510400,510400]
["NC","WAKE",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF WAKE",484350,510400,510400]
["NC","WARREN",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF WARREN",484350,510400,510400]
["NC","WASHINGTON",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF WASHINGTON",484350,510400,510400]
["NC","WATAUGA",{"$f":"+IF($E$107=FALSE,H2165,I2165)","v":510400},"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF WATAUGA",484350,510400,510400]
["NC","WAYNE",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF WAYNE",484350,510400,510400]
["NC","WILKES",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF WILKES",484350,510400,510400]
["NC","WILSON",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF WILSON",484350,510400,510400]
["NC","YADKIN",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF YADKIN",484350,510400,510400]
["NC","YANCEY",510400,"North Carolina","North Carolina",null,"North Carolina  /  COUNTY OF YANCEY",484350,510400,510400]
["ND","ADAMS",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF ADAMS",484350,510400,510400]
["ND","BARNES",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF BARNES",484350,510400,510400]
["ND","BENSON",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF BENSON",484350,510400,510400]
["ND","BILLINGS",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF BILLINGS",484350,510400,510400]
["ND","BOTTINEAU",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF BOTTINEAU",484350,510400,510400]
["ND","BOWMAN",510400,"North Dakota","North Dakota",null,{"$f":" CONCATENATE(E2176,\"  /  COUNTY OF \",B2176)","v":"North Dakota  /  COUNTY OF BOWMAN"},484350,510400,510400]
["ND","BURKE",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF BURKE",484350,510400,510400]
["ND","BURLEIGH",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF BURLEIGH",484350,510400,510400]
["ND","CASS",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF CASS",484350,510400,510400]
["ND","CAVALIER",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF CAVALIER",484350,510400,510400]
["ND","DICKEY",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF DICKEY",484350,510400,510400]
["ND","DIVIDE",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF DIVIDE",484350,510400,510400]
["ND","DUNN",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF DUNN",484350,510400,510400]
["ND","EDDY",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF EDDY",484350,510400,510400]
["ND","EMMONS",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF EMMONS",484350,510400,510400]
["ND","FOSTER",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF FOSTER",484350,510400,510400]
["ND","GOLDEN VALLEY",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF GOLDEN VALLEY",484350,510400,510400]
["ND","GRAND FORKS",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF GRAND FORKS",484350,510400,510400]
["ND","GRANT",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF GRANT",484350,510400,510400]
["ND","GRIGGS",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF GRIGGS",484350,510400,510400]
["ND","HETTINGER",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF HETTINGER",484350,510400,510400]
["ND","KIDDER",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF KIDDER",484350,510400,510400]
["ND","LA MOURE",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF LA MOURE",484350,510400,510400]
["ND","LOGAN",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF LOGAN",484350,510400,510400]
["ND","MCHENRY",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF MCHENRY",484350,510400,510400]
["ND","MCINTOSH",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF MCINTOSH",484350,510400,510400]
["ND","MCKENZIE",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF MCKENZIE",484350,510400,510400]
["ND","MCLEAN",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF MCLEAN",484350,510400,510400]
["ND","MERCER",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF MERCER",484350,510400,510400]
["ND","MORTON",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF MORTON",484350,510400,510400]
["ND","MOUNTRAIL",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF MOUNTRAIL",484350,510400,510400]
["ND","NELSON",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF NELSON",484350,510400,510400]
["ND","OLIVER",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF OLIVER",484350,510400,510400]
["ND","PEMBINA",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF PEMBINA",484350,510400,510400]
["ND","PIERCE",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF PIERCE",484350,510400,510400]
["ND","RAMSEY",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF RAMSEY",484350,510400,510400]
["ND","RANSOM",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF RANSOM",484350,510400,510400]
["ND","RENVILLE",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF RENVILLE",484350,510400,510400]
["ND","RICHLAND",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF RICHLAND",484350,510400,510400]
["ND","ROLETTE",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF ROLETTE",484350,510400,510400]
["ND","SARGENT",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF SARGENT",484350,510400,510400]
["ND","SHERIDAN",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF SHERIDAN",484350,510400,510400]
["ND","SIOUX",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF SIOUX",484350,510400,510400]
["ND","SLOPE",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF SLOPE",484350,510400,510400]
["ND","STARK",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF STARK",484350,510400,510400]
["ND","STEELE",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF STEELE",484350,510400,510400]
["ND","STUTSMAN",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF STUTSMAN",484350,510400,510400]
["ND","TOWNER",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF TOWNER",484350,510400,510400]
["ND","TRAILL",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF TRAILL",484350,510400,510400]
["ND","WALSH",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF WALSH",484350,510400,510400]
["ND","WARD",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF WARD",484350,510400,510400]
["ND","WELLS",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF WELLS",484350,510400,510400]
["ND","WILLIAMS",510400,"North Dakota","North Dakota",null,"North Dakota  /  COUNTY OF WILLIAMS",484350,510400,510400]
["OH","ADAMS",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF ADAMS",484350,510400,510400]
["OH","ALLEN",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF ALLEN",484350,510400,510400]
["OH","ASHLAND",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF ASHLAND",484350,510400,510400]
["OH","ASHTABULA",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF ASHTABULA",484350,510400,510400]
["OH","ATHENS",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF ATHENS",484350,510400,510400]
["OH","AUGLAIZE",{"$f":"+IF($E$107=FALSE,H2229,I2229)","v":510400},"Ohio","Ohio",null,"Ohio  /  COUNTY OF AUGLAIZE",484350,510400,510400]
["OH","BELMONT",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF BELMONT",484350,510400,510400]
["OH","BROWN",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF BROWN",484350,510400,510400]
["OH","BUTLER",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF BUTLER",484350,510400,510400]
["OH","CARROLL",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF CARROLL",484350,510400,510400]
["OH","CHAMPAIGN",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF CHAMPAIGN",484350,510400,510400]
["OH","CLARK",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF CLARK",484350,510400,510400]
["OH","CLERMONT",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF CLERMONT",484350,510400,510400]
["OH","CLINTON",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF CLINTON",484350,510400,510400]
["OH","COLUMBIANA",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF COLUMBIANA",484350,510400,510400]
["OH","COSHOCTON",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF COSHOCTON",484350,510400,510400]
["OH","CRAWFORD",510400,"Ohio","Ohio",null,{"$f":" CONCATENATE(E2240,\"  /  COUNTY OF \",B2240)","v":"Ohio  /  COUNTY OF CRAWFORD"},484350,510400,510400]
["OH","CUYAHOGA",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF CUYAHOGA",484350,510400,510400]
["OH","DARKE",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF DARKE",484350,510400,510400]
["OH","DEFIANCE",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF DEFIANCE",484350,510400,510400]
["OH","DELAWARE",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF DELAWARE",484350,510400,510400]
["OH","ERIE",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF ERIE",484350,510400,510400]
["OH","FAIRFIELD",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF FAIRFIELD",484350,510400,510400]
["OH","FAYETTE",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF FAYETTE",484350,510400,510400]
["OH","FRANKLIN",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF FRANKLIN",484350,510400,510400]
["OH","FULTON",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF FULTON",484350,510400,510400]
["OH","GALLIA",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF GALLIA",484350,510400,510400]
["OH","GEAUGA",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF GEAUGA",484350,510400,510400]
["OH","GREENE",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF GREENE",484350,510400,510400]
["OH","GUERNSEY",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF GUERNSEY",484350,510400,510400]
["OH","HAMILTON",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF HAMILTON",484350,510400,510400]
["OH","HANCOCK",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF HANCOCK",484350,510400,510400]
["OH","HARDIN",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF HARDIN",484350,510400,510400]
["OH","HARRISON",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF HARRISON",484350,510400,510400]
["OH","HENRY",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF HENRY",484350,510400,510400]
["OH","HIGHLAND",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF HIGHLAND",484350,510400,510400]
["OH","HOCKING",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF HOCKING",484350,510400,510400]
["OH","HOLMES",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF HOLMES",484350,510400,510400]
["OH","HURON",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF HURON",484350,510400,510400]
["OH","JACKSON",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF JACKSON",484350,510400,510400]
["OH","JEFFERSON",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF JEFFERSON",484350,510400,510400]
["OH","KNOX",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF KNOX",484350,510400,510400]
["OH","LAKE",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF LAKE",484350,510400,510400]
["OH","LAWRENCE",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF LAWRENCE",484350,510400,510400]
["OH","LICKING",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF LICKING",484350,510400,510400]
["OH","LOGAN",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF LOGAN",484350,510400,510400]
["OH","LORAIN",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF LORAIN",484350,510400,510400]
["OH","LUCAS",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF LUCAS",484350,510400,510400]
["OH","MADISON",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF MADISON",484350,510400,510400]
["OH","MAHONING",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF MAHONING",484350,510400,510400]
["OH","MARION",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF MARION",484350,510400,510400]
["OH","MEDINA",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF MEDINA",484350,510400,510400]
["OH","MEIGS",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF MEIGS",484350,510400,510400]
["OH","MERCER",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF MERCER",484350,510400,510400]
["OH","MIAMI",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF MIAMI",484350,510400,510400]
["OH","MONROE",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF MONROE",484350,510400,510400]
["OH","MONTGOMERY",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF MONTGOMERY",484350,510400,510400]
["OH","MORGAN",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF MORGAN",484350,510400,510400]
["OH","MORROW",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF MORROW",484350,510400,510400]
["OH","MUSKINGUM",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF MUSKINGUM",484350,510400,510400]
["OH","NOBLE",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF NOBLE",484350,510400,510400]
["OH","OTTAWA",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF OTTAWA",484350,510400,510400]
["OH","PAULDING",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF PAULDING",484350,510400,510400]
["OH","PERRY",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF PERRY",484350,510400,510400]
["OH","PICKAWAY",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF PICKAWAY",484350,510400,510400]
["OH","PIKE",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF PIKE",484350,510400,510400]
["OH","PORTAGE",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF PORTAGE",484350,510400,510400]
["OH","PREBLE",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF PREBLE",484350,510400,510400]
["OH","PUTNAM",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF PUTNAM",484350,510400,510400]
["OH","RICHLAND",{"$f":"+IF($E$107=FALSE,H2293,I2293)","v":510400},"Ohio","Ohio",null,"Ohio  /  COUNTY OF RICHLAND",484350,510400,510400]
["OH","ROSS",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF ROSS",484350,510400,510400]
["OH","SANDUSKY",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF SANDUSKY",484350,510400,510400]
["OH","SCIOTO",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF SCIOTO",484350,510400,510400]
["OH","SENECA",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF SENECA",484350,510400,510400]
["OH","SHELBY",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF SHELBY",484350,510400,510400]
["OH","STARK",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF STARK",484350,510400,510400]
["OH","SUMMIT",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF SUMMIT",484350,510400,510400]
["OH","TRUMBULL",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF TRUMBULL",484350,510400,510400]
["OH","TUSCARAWAS",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF TUSCARAWAS",484350,510400,510400]
["OH","UNION",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF UNION",484350,510400,510400]
["OH","VAN WERT",510400,"Ohio","Ohio",null,{"$f":" CONCATENATE(E2304,\"  /  COUNTY OF \",B2304)","v":"Ohio  /  COUNTY OF VAN WERT"},484350,510400,510400]
["OH","VINTON",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF VINTON",484350,510400,510400]
["OH","WARREN",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF WARREN",484350,510400,510400]
["OH","WASHINGTON",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF WASHINGTON",484350,510400,510400]
["OH","WAYNE",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF WAYNE",484350,510400,510400]
["OH","WILLIAMS",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF WILLIAMS",484350,510400,510400]
["OH","WOOD",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF WOOD",484350,510400,510400]
["OH","WYANDOT",510400,"Ohio","Ohio",null,"Ohio  /  COUNTY OF WYANDOT",484350,510400,510400]
["OK","ADAIR",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF ADAIR",484350,510400,510400]
["OK","ALFALFA",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF ALFALFA",484350,510400,510400]
["OK","ATOKA",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF ATOKA",484350,510400,510400]
["OK","BEAVER",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF BEAVER",484350,510400,510400]
["OK","BECKHAM",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF BECKHAM",484350,510400,510400]
["OK","BLAINE",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF BLAINE",484350,510400,510400]
["OK","BRYAN",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF BRYAN",484350,510400,510400]
["OK","CADDO",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF CADDO",484350,510400,510400]
["OK","CANADIAN",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF CANADIAN",484350,510400,510400]
["OK","CARTER",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF CARTER",484350,510400,510400]
["OK","CHEROKEE",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF CHEROKEE",484350,510400,510400]
["OK","CHOCTAW",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF CHOCTAW",484350,510400,510400]
["OK","CIMARRON",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF CIMARRON",484350,510400,510400]
["OK","CLEVELAND",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF CLEVELAND",484350,510400,510400]
["OK","COAL",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF COAL",484350,510400,510400]
["OK","COMANCHE",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF COMANCHE",484350,510400,510400]
["OK","COTTON",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF COTTON",484350,510400,510400]
["OK","CRAIG",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF CRAIG",484350,510400,510400]
["OK","CREEK",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF CREEK",484350,510400,510400]
["OK","CUSTER",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF CUSTER",484350,510400,510400]
["OK","DELAWARE",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF DELAWARE",484350,510400,510400]
["OK","DEWEY",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF DEWEY",484350,510400,510400]
["OK","ELLIS",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF ELLIS",484350,510400,510400]
["OK","GARFIELD",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF GARFIELD",484350,510400,510400]
["OK","GARVIN",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF GARVIN",484350,510400,510400]
["OK","GRADY",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF GRADY",484350,510400,510400]
["OK","GRANT",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF GRANT",484350,510400,510400]
["OK","GREER",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF GREER",484350,510400,510400]
["OK","HARMON",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF HARMON",484350,510400,510400]
["OK","HARPER",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF HARPER",484350,510400,510400]
["OK","HASKELL",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF HASKELL",484350,510400,510400]
["OK","HUGHES",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF HUGHES",484350,510400,510400]
["OK","JACKSON",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF JACKSON",484350,510400,510400]
["OK","JEFFERSON",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF JEFFERSON",484350,510400,510400]
["OK","JOHNSTON",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF JOHNSTON",484350,510400,510400]
["OK","KAY",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF KAY",484350,510400,510400]
["OK","KINGFISHER",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF KINGFISHER",484350,510400,510400]
["OK","KIOWA",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF KIOWA",484350,510400,510400]
["OK","LATIMER",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF LATIMER",484350,510400,510400]
["OK","LE FLORE",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF LE FLORE",484350,510400,510400]
["OK","LINCOLN",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF LINCOLN",484350,510400,510400]
["OK","LOGAN",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF LOGAN",484350,510400,510400]
["OK","LOVE",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF LOVE",484350,510400,510400]
["OK","MCCLAIN",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF MCCLAIN",484350,510400,510400]
["OK","MCCURTAIN",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF MCCURTAIN",484350,510400,510400]
["OK","MCINTOSH",{"$f":"+IF($E$107=FALSE,H2357,I2357)","v":510400},"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF MCINTOSH",484350,510400,510400]
["OK","MAJOR",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF MAJOR",484350,510400,510400]
["OK","MARSHALL",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF MARSHALL",484350,510400,510400]
["OK","MAYES",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF MAYES",484350,510400,510400]
["OK","MURRAY",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF MURRAY",484350,510400,510400]
["OK","MUSKOGEE",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF MUSKOGEE",484350,510400,510400]
["OK","NOBLE",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF NOBLE",484350,510400,510400]
["OK","NOWATA",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF NOWATA",484350,510400,510400]
["OK","OKFUSKEE",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF OKFUSKEE",484350,510400,510400]
["OK","OKLAHOMA",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF OKLAHOMA",484350,510400,510400]
["OK","OKMULGEE",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF OKMULGEE",484350,510400,510400]
["OK","OSAGE",510400,"Oklahoma","Oklahoma",null,{"$f":" CONCATENATE(E2368,\"  /  COUNTY OF \",B2368)","v":"Oklahoma  /  COUNTY OF OSAGE"},484350,510400,510400]
["OK","OTTAWA",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF OTTAWA",484350,510400,510400]
["OK","PAWNEE",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF PAWNEE",484350,510400,510400]
["OK","PAYNE",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF PAYNE",484350,510400,510400]
["OK","PITTSBURG",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF PITTSBURG",484350,510400,510400]
["OK","PONTOTOC",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF PONTOTOC",484350,510400,510400]
["OK","POTTAWATOMIE",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF POTTAWATOMIE",484350,510400,510400]
["OK","PUSHMATAHA",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF PUSHMATAHA",484350,510400,510400]
["OK","ROGER MILLS",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF ROGER MILLS",484350,510400,510400]
["OK","ROGERS",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF ROGERS",484350,510400,510400]
["OK","SEMINOLE",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF SEMINOLE",484350,510400,510400]
["OK","SEQUOYAH",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF SEQUOYAH",484350,510400,510400]
["OK","STEPHENS",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF STEPHENS",484350,510400,510400]
["OK","TEXAS",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF TEXAS",484350,510400,510400]
["OK","TILLMAN",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF TILLMAN",484350,510400,510400]
["OK","TULSA",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF TULSA",484350,510400,510400]
["OK","WAGONER",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF WAGONER",484350,510400,510400]
["OK","WASHINGTON",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF WASHINGTON",484350,510400,510400]
["OK","WASHITA",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF WASHITA",484350,510400,510400]
["OK","WOODS",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF WOODS",484350,510400,510400]
["OK","WOODWARD",510400,"Oklahoma","Oklahoma",null,"Oklahoma  /  COUNTY OF WOODWARD",484350,510400,510400]
["OR","BAKER",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF BAKER",484350,510400,510400]
["OR","BENTON",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF BENTON",484350,510400,510400]
["OR","CLACKAMAS",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF CLACKAMAS",484350,510400,510400]
["OR","CLATSOP",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF CLATSOP",484350,510400,510400]
["OR","COLUMBIA",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF COLUMBIA",484350,510400,510400]
["OR","COOS",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF COOS",484350,510400,510400]
["OR","CROOK",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF CROOK",484350,510400,510400]
["OR","CURRY",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF CURRY",484350,510400,510400]
["OR","DESCHUTES",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF DESCHUTES",484350,510400,510400]
["OR","DOUGLAS",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF DOUGLAS",484350,510400,510400]
["OR","GILLIAM",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF GILLIAM",484350,510400,510400]
["OR","GRANT",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF GRANT",484350,510400,510400]
["OR","HARNEY",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF HARNEY",484350,510400,510400]
["OR","HOOD RIVER",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF HOOD RIVER",484350,510400,510400]
["OR","JACKSON",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF JACKSON",484350,510400,510400]
["OR","JEFFERSON",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF JEFFERSON",484350,510400,510400]
["OR","JOSEPHINE",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF JOSEPHINE",484350,510400,510400]
["OR","KLAMATH",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF KLAMATH",484350,510400,510400]
["OR","LAKE",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF LAKE",484350,510400,510400]
["OR","LANE",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF LANE",484350,510400,510400]
["OR","LINCOLN",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF LINCOLN",484350,510400,510400]
["OR","LINN",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF LINN",484350,510400,510400]
["OR","MALHEUR",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF MALHEUR",484350,510400,510400]
["OR","MARION",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF MARION",484350,510400,510400]
["OR","MORROW",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF MORROW",484350,510400,510400]
["OR","MULTNOMAH",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF MULTNOMAH",484350,510400,510400]
["OR","POLK",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF POLK",484350,510400,510400]
["OR","SHERMAN",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF SHERMAN",484350,510400,510400]
["OR","TILLAMOOK",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF TILLAMOOK",484350,510400,510400]
["OR","UMATILLA",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF UMATILLA",484350,510400,510400]
["OR","UNION",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF UNION",484350,510400,510400]
["OR","WALLOWA",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF WALLOWA",484350,510400,510400]
["OR","WASCO",{"$f":"+IF($E$107=FALSE,H2421,I2421)","v":510400},"Oregon","Oregon",null,"Oregon  /  COUNTY OF WASCO",484350,510400,510400]
["OR","WASHINGTON",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF WASHINGTON",484350,510400,510400]
["OR","WHEELER",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF WHEELER",484350,510400,510400]
["OR","YAMHILL",510400,"Oregon","Oregon",null,"Oregon  /  COUNTY OF YAMHILL",484350,510400,510400]
["PA","ADAMS",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF ADAMS",484350,510400,510400]
["PA","ALLEGHENY",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF ALLEGHENY",484350,510400,510400]
["PA","ARMSTRONG",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF ARMSTRONG",484350,510400,510400]
["PA","BEAVER",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF BEAVER",484350,510400,510400]
["PA","BEDFORD",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF BEDFORD",484350,510400,510400]
["PA","BERKS",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF BERKS",484350,510400,510400]
["PA","BLAIR",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF BLAIR",484350,510400,510400]
["PA","BRADFORD",510400,"Pennsylvania","Pennsylvania",null,{"$f":" CONCATENATE(E2432,\"  /  COUNTY OF \",B2432)","v":"Pennsylvania  /  COUNTY OF BRADFORD"},484350,510400,510400]
["PA","BUCKS",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF BUCKS",484350,510400,510400]
["PA","BUTLER",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF BUTLER",484350,510400,510400]
["PA","CAMBRIA",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF CAMBRIA",484350,510400,510400]
["PA","CAMERON",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF CAMERON",484350,510400,510400]
["PA","CARBON",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF CARBON",484350,510400,510400]
["PA","CENTRE",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF CENTRE",484350,510400,510400]
["PA","CHESTER",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF CHESTER",484350,510400,510400]
["PA","CLARION",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF CLARION",484350,510400,510400]
["PA","CLEARFIELD",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF CLEARFIELD",484350,510400,510400]
["PA","CLINTON",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF CLINTON",484350,510400,510400]
["PA","COLUMBIA",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF COLUMBIA",484350,510400,510400]
["PA","CRAWFORD",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF CRAWFORD",484350,510400,510400]
["PA","CUMBERLAND",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF CUMBERLAND",484350,510400,510400]
["PA","DAUPHIN",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF DAUPHIN",484350,510400,510400]
["PA","DELAWARE",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF DELAWARE",484350,510400,510400]
["PA","ELK",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF ELK",484350,510400,510400]
["PA","ERIE",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF ERIE",484350,510400,510400]
["PA","FAYETTE",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF FAYETTE",484350,510400,510400]
["PA","FOREST",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF FOREST",484350,510400,510400]
["PA","FRANKLIN",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF FRANKLIN",484350,510400,510400]
["PA","FULTON",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF FULTON",484350,510400,510400]
["PA","GREENE",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF GREENE",484350,510400,510400]
["PA","HUNTINGDON",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF HUNTINGDON",484350,510400,510400]
["PA","INDIANA",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF INDIANA",484350,510400,510400]
["PA","JEFFERSON",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF JEFFERSON",484350,510400,510400]
["PA","JUNIATA",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF JUNIATA",484350,510400,510400]
["PA","LACKAWANNA",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF LACKAWANNA",484350,510400,510400]
["PA","LANCASTER",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF LANCASTER",484350,510400,510400]
["PA","LAWRENCE",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF LAWRENCE",484350,510400,510400]
["PA","LEBANON",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF LEBANON",484350,510400,510400]
["PA","LEHIGH",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF LEHIGH",484350,510400,510400]
["PA","LUZERNE",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF LUZERNE",484350,510400,510400]
["PA","LYCOMING",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF LYCOMING",484350,510400,510400]
["PA","MCKEAN",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF MCKEAN",484350,510400,510400]
["PA","MERCER",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF MERCER",484350,510400,510400]
["PA","MIFFLIN",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF MIFFLIN",484350,510400,510400]
["PA","MONROE",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF MONROE",484350,510400,510400]
["PA","MONTGOMERY",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF MONTGOMERY",484350,510400,510400]
["PA","MONTOUR",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF MONTOUR",484350,510400,510400]
["PA","NORTHAMPTON",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF NORTHAMPTON",484350,510400,510400]
["PA","NORTHUMBERLAND",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF NORTHUMBERLAND",484350,510400,510400]
["PA","PERRY",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF PERRY",484350,510400,510400]
["PA","PHILADELPHIA",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF PHILADELPHIA",484350,510400,510400]
["PA","PIKE",0,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF PIKE",726525,null,765600]
["PA","POTTER",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF POTTER",484350,510400,510400]
["PA","SCHUYLKILL",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF SCHUYLKILL",484350,510400,510400]
["PA","SNYDER",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF SNYDER",484350,510400,510400]
["PA","SOMERSET",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF SOMERSET",484350,510400,510400]
["PA","SULLIVAN",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF SULLIVAN",484350,510400,510400]
["PA","SUSQUEHANNA",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF SUSQUEHANNA",484350,510400,510400]
["PA","TIOGA",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF TIOGA",484350,510400,510400]
["PA","UNION",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF UNION",484350,510400,510400]
["PA","VENANGO",{"$f":"+IF($E$107=FALSE,H2485,I2485)","v":510400},"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF VENANGO",484350,510400,510400]
["PA","WARREN",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF WARREN",484350,510400,510400]
["PA","WASHINGTON",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF WASHINGTON",484350,510400,510400]
["PA","WAYNE",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF WAYNE",484350,510400,510400]
["PA","WESTMORELAND",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF WESTMORELAND",484350,510400,510400]
["PA","WYOMING",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF WYOMING",484350,510400,510400]
["PA","YORK",510400,"Pennsylvania","Pennsylvania",null,"Pennsylvania  /  COUNTY OF YORK",484350,510400,510400]
["RI","BRISTOL",510400,"Rhode Island","Rhode Island",null,"Rhode Island  /  COUNTY OF BRISTOL",484350,510400,510400]
["RI","KENT",510400,"Rhode Island","Rhode Island",null,"Rhode Island  /  COUNTY OF KENT",484350,510400,510400]
["RI","NEWPORT",510400,"Rhode Island","Rhode Island",null,"Rhode Island  /  COUNTY OF NEWPORT",484350,510400,510400]
["RI","PROVIDENCE",510400,"Rhode Island","Rhode Island",null,"Rhode Island  /  COUNTY OF PROVIDENCE",484350,510400,510400]
["RI","WASHINGTON",510400,"Rhode Island","Rhode Island",null,{"$f":" CONCATENATE(E2496,\"  /  COUNTY OF \",B2496)","v":"Rhode Island  /  COUNTY OF WASHINGTON"},484350,510400,510400]
["SC","ABBEVILLE",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF ABBEVILLE",484350,510400,510400]
["SC","AIKEN",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF AIKEN",484350,510400,510400]
["SC","ALLENDALE",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF ALLENDALE",484350,510400,510400]
["SC","ANDERSON",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF ANDERSON",484350,510400,510400]
["SC","BAMBERG",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF BAMBERG",484350,510400,510400]
["SC","BARNWELL",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF BARNWELL",484350,510400,510400]
["SC","BEAUFORT",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF BEAUFORT",484350,510400,510400]
["SC","BERKELEY",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF BERKELEY",484350,510400,510400]
["SC","CALHOUN",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF CALHOUN",484350,510400,510400]
["SC","CHARLESTON",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF CHARLESTON",484350,510400,510400]
["SC","CHEROKEE",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF CHEROKEE",484350,510400,510400]
["SC","CHESTER",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF CHESTER",484350,510400,510400]
["SC","CHESTERFIELD",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF CHESTERFIELD",484350,510400,510400]
["SC","CLARENDON",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF CLARENDON",484350,510400,510400]
["SC","COLLETON",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF COLLETON",484350,510400,510400]
["SC","DARLINGTON",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF DARLINGTON",484350,510400,510400]
["SC","DILLON",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF DILLON",484350,510400,510400]
["SC","DORCHESTER",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF DORCHESTER",484350,510400,510400]
["SC","EDGEFIELD",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF EDGEFIELD",484350,510400,510400]
["SC","FAIRFIELD",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF FAIRFIELD",484350,510400,510400]
["SC","FLORENCE",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF FLORENCE",484350,510400,510400]
["SC","GEORGETOWN",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF GEORGETOWN",484350,510400,510400]
["SC","GREENVILLE",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF GREENVILLE",484350,510400,510400]
["SC","GREENWOOD",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF GREENWOOD",484350,510400,510400]
["SC","HAMPTON",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF HAMPTON",484350,510400,510400]
["SC","HORRY",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF HORRY",484350,510400,510400]
["SC","JASPER",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF JASPER",484350,510400,510400]
["SC","KERSHAW",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF KERSHAW",484350,510400,510400]
["SC","LANCASTER",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF LANCASTER",484350,510400,510400]
["SC","LAURENS",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF LAURENS",484350,510400,510400]
["SC","LEE",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF LEE",484350,510400,510400]
["SC","LEXINGTON",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF LEXINGTON",484350,510400,510400]
["SC","MCCORMICK",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF MCCORMICK",484350,510400,510400]
["SC","MARION",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF MARION",484350,510400,510400]
["SC","MARLBORO",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF MARLBORO",484350,510400,510400]
["SC","NEWBERRY",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF NEWBERRY",484350,510400,510400]
["SC","OCONEE",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF OCONEE",484350,510400,510400]
["SC","ORANGEBURG",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF ORANGEBURG",484350,510400,510400]
["SC","PICKENS",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF PICKENS",484350,510400,510400]
["SC","RICHLAND",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF RICHLAND",484350,510400,510400]
["SC","SALUDA",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF SALUDA",484350,510400,510400]
["SC","SPARTANBURG",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF SPARTANBURG",484350,510400,510400]
["SC","SUMTER",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF SUMTER",484350,510400,510400]
["SC","UNION",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF UNION",484350,510400,510400]
["SC","WILLIAMSBURG",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF WILLIAMSBURG",484350,510400,510400]
["SC","YORK",510400,"South Carolina","South Carolina",null,"South Carolina  /  COUNTY OF YORK",484350,510400,510400]
["SD","AURORA",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF AURORA",484350,510400,510400]
["SD","BEADLE",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF BEADLE",484350,510400,510400]
["SD","BENNETT",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF BENNETT",484350,510400,510400]
["SD","BON HOMME",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF BON HOMME",484350,510400,510400]
["SD","BROOKINGS",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF BROOKINGS",484350,510400,510400]
["SD","BROWN",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF BROWN",484350,510400,510400]
["SD","BRULE",{"$f":"+IF($E$107=FALSE,H2549,I2549)","v":510400},"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF BRULE",484350,510400,510400]
["SD","BUFFALO",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF BUFFALO",484350,510400,510400]
["SD","BUTTE",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF BUTTE",484350,510400,510400]
["SD","CAMPBELL",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF CAMPBELL",484350,510400,510400]
["SD","CHARLES MIX",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF CHARLES MIX",484350,510400,510400]
["SD","CLARK",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF CLARK",484350,510400,510400]
["SD","CLAY",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF CLAY",484350,510400,510400]
["SD","CODINGTON",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF CODINGTON",484350,510400,510400]
["SD","CORSON",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF CORSON",484350,510400,510400]
["SD","CUSTER",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF CUSTER",484350,510400,510400]
["SD","DAVISON",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF DAVISON",484350,510400,510400]
["SD","DAY",510400,"South Dakota","South Dakota",null,{"$f":" CONCATENATE(E2560,\"  /  COUNTY OF \",B2560)","v":"South Dakota  /  COUNTY OF DAY"},484350,510400,510400]
["SD","DEUEL",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF DEUEL",484350,510400,510400]
["SD","DEWEY",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF DEWEY",484350,510400,510400]
["SD","DOUGLAS",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF DOUGLAS",484350,510400,510400]
["SD","EDMUNDS",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF EDMUNDS",484350,510400,510400]
["SD","FALL RIVER",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF FALL RIVER",484350,510400,510400]
["SD","FAULK",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF FAULK",484350,510400,510400]
["SD","GRANT",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF GRANT",484350,510400,510400]
["SD","GREGORY",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF GREGORY",484350,510400,510400]
["SD","HAAKON",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF HAAKON",484350,510400,510400]
["SD","HAMLIN",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF HAMLIN",484350,510400,510400]
["SD","HAND",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF HAND",484350,510400,510400]
["SD","HANSON",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF HANSON",484350,510400,510400]
["SD","HARDING",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF HARDING",484350,510400,510400]
["SD","HUGHES",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF HUGHES",484350,510400,510400]
["SD","HUTCHINSON",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF HUTCHINSON",484350,510400,510400]
["SD","HYDE",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF HYDE",484350,510400,510400]
["SD","JACKSON",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF JACKSON",484350,510400,510400]
["SD","JERAULD",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF JERAULD",484350,510400,510400]
["SD","JONES",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF JONES",484350,510400,510400]
["SD","KINGSBURY",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF KINGSBURY",484350,510400,510400]
["SD","LAKE",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF LAKE",484350,510400,510400]
["SD","LAWRENCE",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF LAWRENCE",484350,510400,510400]
["SD","LINCOLN",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF LINCOLN",484350,510400,510400]
["SD","LYMAN",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF LYMAN",484350,510400,510400]
["SD","MCCOOK",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF MCCOOK",484350,510400,510400]
["SD","MCPHERSON",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF MCPHERSON",484350,510400,510400]
["SD","MARSHALL",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF MARSHALL",484350,510400,510400]
["SD","MEADE",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF MEADE",484350,510400,510400]
["SD","MELLETTE",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF MELLETTE",484350,510400,510400]
["SD","MINER",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF MINER",484350,510400,510400]
["SD","MINNEHAHA",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF MINNEHAHA",484350,510400,510400]
["SD","MOODY",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF MOODY",484350,510400,510400]
["SD","OGLALA LAKOTA",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF OGLALA LAKOTA",484350,510400,510400]
["SD","PENNINGTON",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF PENNINGTON",484350,510400,510400]
["SD","PERKINS",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF PERKINS",484350,510400,510400]
["SD","POTTER",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF POTTER",484350,510400,510400]
["SD","ROBERTS",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF ROBERTS",484350,510400,510400]
["SD","SANBORN",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF SANBORN",484350,510400,510400]
["SD","SPINK",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF SPINK",484350,510400,510400]
["SD","STANLEY",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF STANLEY",484350,510400,510400]
["SD","SULLY",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF SULLY",484350,510400,510400]
["SD","TODD",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF TODD",484350,510400,510400]
["SD","TRIPP",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF TRIPP",484350,510400,510400]
["SD","TURNER",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF TURNER",484350,510400,510400]
["SD","UNION",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF UNION",484350,510400,510400]
["SD","WALWORTH",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF WALWORTH",484350,510400,510400]
["SD","YANKTON",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF YANKTON",484350,510400,510400]
["SD","ZIEBACH",510400,"South Dakota","South Dakota",null,"South Dakota  /  COUNTY OF ZIEBACH",484350,510400,510400]
["TN","ANDERSON",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF ANDERSON",484350,510400,510400]
["TN","BEDFORD",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF BEDFORD",484350,510400,510400]
["TN","BENTON",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF BENTON",484350,510400,510400]
["TN","BLEDSOE",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF BLEDSOE",484350,510400,510400]
["TN","BLOUNT",{"$f":"+IF($E$107=FALSE,H2613,I2613)","v":510400},"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF BLOUNT",484350,510400,510400]
["TN","BRADLEY",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF BRADLEY",484350,510400,510400]
["TN","CAMPBELL",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF CAMPBELL",484350,510400,510400]
["TN","CANNON",0,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF CANNON",534750,null,563500]
["TN","CARROLL",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF CARROLL",484350,510400,510400]
["TN","CARTER",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF CARTER",484350,510400,510400]
["TN","CHEATHAM",0,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF CHEATHAM",534750,null,563500]
["TN","CHESTER",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF CHESTER",484350,510400,510400]
["TN","CLAIBORNE",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF CLAIBORNE",484350,510400,510400]
["TN","CLAY",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF CLAY",484350,510400,510400]
["TN","COCKE",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF COCKE",484350,510400,510400]
["TN","COFFEE",510400,"Tennessee","Tennessee",null,{"$f":" CONCATENATE(E2624,\"  /  COUNTY OF \",B2624)","v":"Tennessee  /  COUNTY OF COFFEE"},484350,510400,510400]
["TN","CROCKETT",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF CROCKETT",484350,510400,510400]
["TN","CUMBERLAND",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF CUMBERLAND",484350,510400,510400]
["TN","DAVIDSON",0,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF DAVIDSON",534750,null,563500]
["TN","DECATUR",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF DECATUR",484350,510400,510400]
["TN","DEKALB",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF DEKALB",484350,510400,510400]
["TN","DICKSON",0,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF DICKSON",534750,null,563500]
["TN","DYER",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF DYER",484350,510400,510400]
["TN","FAYETTE",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF FAYETTE",484350,510400,510400]
["TN","FENTRESS",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF FENTRESS",484350,510400,510400]
["TN","FRANKLIN",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF FRANKLIN",484350,510400,510400]
["TN","GIBSON",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF GIBSON",484350,510400,510400]
["TN","GILES",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF GILES",484350,510400,510400]
["TN","GRAINGER",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF GRAINGER",484350,510400,510400]
["TN","GREENE",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF GREENE",484350,510400,510400]
["TN","GRUNDY",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF GRUNDY",484350,510400,510400]
["TN","HAMBLEN",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF HAMBLEN",484350,510400,510400]
["TN","HAMILTON",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF HAMILTON",484350,510400,510400]
["TN","HANCOCK",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF HANCOCK",484350,510400,510400]
["TN","HARDEMAN",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF HARDEMAN",484350,510400,510400]
["TN","HARDIN",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF HARDIN",484350,510400,510400]
["TN","HAWKINS",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF HAWKINS",484350,510400,510400]
["TN","HAYWOOD",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF HAYWOOD",484350,510400,510400]
["TN","HENDERSON",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF HENDERSON",484350,510400,510400]
["TN","HENRY",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF HENRY",484350,510400,510400]
["TN","HICKMAN",0,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF HICKMAN",534750,null,534750]
["TN","HOUSTON",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF HOUSTON",484350,510400,510400]
["TN","HUMPHREYS",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF HUMPHREYS",484350,510400,510400]
["TN","JACKSON",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF JACKSON",484350,510400,510400]
["TN","JEFFERSON",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF JEFFERSON",484350,510400,510400]
["TN","JOHNSON",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF JOHNSON",484350,510400,510400]
["TN","KNOX",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF KNOX",484350,510400,510400]
["TN","LAKE",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF LAKE",484350,510400,510400]
["TN","LAUDERDALE",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF LAUDERDALE",484350,510400,510400]
["TN","LAWRENCE",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF LAWRENCE",484350,510400,510400]
["TN","LEWIS",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF LEWIS",484350,510400,510400]
["TN","LINCOLN",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF LINCOLN",484350,510400,510400]
["TN","LOUDON",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF LOUDON",484350,510400,510400]
["TN","MCMINN",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF MCMINN",484350,510400,510400]
["TN","MCNAIRY",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF MCNAIRY",484350,510400,510400]
["TN","MACON",0,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF MACON",534750,null,563500]
["TN","MADISON",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF MADISON",484350,510400,510400]
["TN","MARION",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF MARION",484350,510400,510400]
["TN","MARSHALL",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF MARSHALL",484350,510400,510400]
["TN","MAURY",0,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF MAURY",534750,null,563500]
["TN","MEIGS",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF MEIGS",484350,510400,510400]
["TN","MONROE",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF MONROE",484350,510400,510400]
["TN","MONTGOMERY",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF MONTGOMERY",484350,510400,510400]
["TN","MOORE",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF MOORE",484350,510400,510400]
["TN","MORGAN",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF MORGAN",484350,510400,510400]
["TN","OBION",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF OBION",484350,510400,510400]
["TN","OVERTON",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF OVERTON",484350,510400,510400]
["TN","PERRY",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF PERRY",484350,510400,510400]
["TN","PICKETT",{"$f":"+IF($E$107=FALSE,H2677,I2677)","v":510400},"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF PICKETT",484350,510400,510400]
["TN","POLK",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF POLK",484350,510400,510400]
["TN","PUTNAM",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF PUTNAM",484350,510400,510400]
["TN","RHEA",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF RHEA",484350,510400,510400]
["TN","ROANE",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF ROANE",484350,510400,510400]
["TN","ROBERTSON",0,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF ROBERTSON",534750,null,563500]
["TN","RUTHERFORD",0,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF RUTHERFORD",534750,null,563500]
["TN","SCOTT",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF SCOTT",484350,510400,510400]
["TN","SEQUATCHIE",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF SEQUATCHIE",484350,510400,510400]
["TN","SEVIER",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF SEVIER",484350,510400,510400]
["TN","SHELBY",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF SHELBY",484350,510400,510400]
["TN","SMITH",0,"Tennessee","Tennessee",null,{"$f":" CONCATENATE(E2688,\"  /  COUNTY OF \",B2688)","v":"Tennessee  /  COUNTY OF SMITH"},534750,null,563500]
["TN","STEWART",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF STEWART",484350,510400,510400]
["TN","SULLIVAN",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF SULLIVAN",484350,510400,510400]
["TN","SUMNER",0,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF SUMNER",534750,null,563500]
["TN","TIPTON",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF TIPTON",484350,510400,510400]
["TN","TROUSDALE",0,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF TROUSDALE",534750,null,563500]
["TN","UNICOI",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF UNICOI",484350,510400,510400]
["TN","UNION",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF UNION",484350,510400,510400]
["TN","VAN BUREN",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF VAN BUREN",484350,510400,510400]
["TN","WARREN",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF WARREN",484350,510400,510400]
["TN","WASHINGTON",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF WASHINGTON",484350,510400,510400]
["TN","WAYNE",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF WAYNE",484350,510400,510400]
["TN","WEAKLEY",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF WEAKLEY",484350,510400,510400]
["TN","WHITE",510400,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF WHITE",484350,510400,510400]
["TN","WILLIAMSON",0,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF WILLIAMSON",534750,null,563500]
["TN","WILSON",0,"Tennessee","Tennessee",null,"Tennessee  /  COUNTY OF WILSON",534750,null,563500]
["TX","ANDERSON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF ANDERSON",484350,510400,510400]
["TX","ANDREWS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF ANDREWS",484350,510400,510400]
["TX","ANGELINA",510400,"Texas","Texas",null,"Texas  /  COUNTY OF ANGELINA",484350,510400,510400]
["TX","ARANSAS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF ARANSAS",484350,510400,510400]
["TX","ARCHER",510400,"Texas","Texas",null,"Texas  /  COUNTY OF ARCHER",484350,510400,510400]
["TX","ARMSTRONG",510400,"Texas","Texas",null,"Texas  /  COUNTY OF ARMSTRONG",484350,510400,510400]
["TX","ATASCOSA",510400,"Texas","Texas",null,"Texas  /  COUNTY OF ATASCOSA",484350,510400,510400]
["TX","AUSTIN",510400,"Texas","Texas",null,"Texas  /  COUNTY OF AUSTIN",484350,510400,510400]
["TX","BAILEY",510400,"Texas","Texas",null,"Texas  /  COUNTY OF BAILEY",484350,510400,510400]
["TX","BANDERA",510400,"Texas","Texas",null,"Texas  /  COUNTY OF BANDERA",484350,510400,510400]
["TX","BASTROP",510400,"Texas","Texas",null,"Texas  /  COUNTY OF BASTROP",484350,510400,510400]
["TX","BAYLOR",510400,"Texas","Texas",null,"Texas  /  COUNTY OF BAYLOR",484350,510400,510400]
["TX","BEE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF BEE",484350,510400,510400]
["TX","BELL",510400,"Texas","Texas",null,"Texas  /  COUNTY OF BELL",484350,510400,510400]
["TX","BEXAR",510400,"Texas","Texas",null,"Texas  /  COUNTY OF BEXAR",484350,510400,510400]
["TX","BLANCO",510400,"Texas","Texas",null,"Texas  /  COUNTY OF BLANCO",484350,510400,510400]
["TX","BORDEN",510400,"Texas","Texas",null,"Texas  /  COUNTY OF BORDEN",484350,510400,510400]
["TX","BOSQUE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF BOSQUE",484350,510400,510400]
["TX","BOWIE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF BOWIE",484350,510400,510400]
["TX","BRAZORIA",510400,"Texas","Texas",null,"Texas  /  COUNTY OF BRAZORIA",484350,510400,510400]
["TX","BRAZOS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF BRAZOS",484350,510400,510400]
["TX","BREWSTER",510400,"Texas","Texas",null,"Texas  /  COUNTY OF BREWSTER",484350,510400,510400]
["TX","BRISCOE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF BRISCOE",484350,510400,510400]
["TX","BROOKS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF BROOKS",484350,510400,510400]
["TX","BROWN",510400,"Texas","Texas",null,"Texas  /  COUNTY OF BROWN",484350,510400,510400]
["TX","BURLESON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF BURLESON",484350,510400,510400]
["TX","BURNET",510400,"Texas","Texas",null,"Texas  /  COUNTY OF BURNET",484350,510400,510400]
["TX","CALDWELL",510400,"Texas","Texas",null,"Texas  /  COUNTY OF CALDWELL",484350,510400,510400]
["TX","CALHOUN",510400,"Texas","Texas",null,"Texas  /  COUNTY OF CALHOUN",484350,510400,510400]
["TX","CALLAHAN",510400,"Texas","Texas",null,"Texas  /  COUNTY OF CALLAHAN",484350,510400,510400]
["TX","CAMERON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF CAMERON",484350,510400,510400]
["TX","CAMP",510400,"Texas","Texas",null,"Texas  /  COUNTY OF CAMP",484350,510400,510400]
["TX","CARSON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF CARSON",484350,510400,510400]
["TX","CASS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF CASS",484350,510400,510400]
["TX","CASTRO",510400,"Texas","Texas",null,"Texas  /  COUNTY OF CASTRO",484350,510400,510400]
["TX","CHAMBERS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF CHAMBERS",484350,510400,510400]
["TX","CHEROKEE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF CHEROKEE",484350,510400,510400]
["TX","CHILDRESS",{"$f":"+IF($E$107=FALSE,H2741,I2741)","v":510400},"Texas","Texas",null,"Texas  /  COUNTY OF CHILDRESS",484350,510400,510400]
["TX","CLAY",510400,"Texas","Texas",null,"Texas  /  COUNTY OF CLAY",484350,510400,510400]
["TX","COCHRAN",510400,"Texas","Texas",null,"Texas  /  COUNTY OF COCHRAN",484350,510400,510400]
["TX","COKE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF COKE",484350,510400,510400]
["TX","COLEMAN",510400,"Texas","Texas",null,"Texas  /  COUNTY OF COLEMAN",484350,510400,510400]
["TX","COLLIN",510400,"Texas","Texas",null,"Texas  /  COUNTY OF COLLIN",484350,510400,510400]
["TX","COLLINGSWORTH",510400,"Texas","Texas",null,"Texas  /  COUNTY OF COLLINGSWORTH",484350,510400,510400]
["TX","COLORADO",510400,"Texas","Texas",null,"Texas  /  COUNTY OF COLORADO",484350,510400,510400]
["TX","COMAL",510400,"Texas","Texas",null,"Texas  /  COUNTY OF COMAL",484350,510400,510400]
["TX","COMANCHE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF COMANCHE",484350,510400,510400]
["TX","CONCHO",510400,"Texas","Texas",null,"Texas  /  COUNTY OF CONCHO",484350,510400,510400]
["TX","COOKE",510400,"Texas","Texas",null,{"$f":" CONCATENATE(E2752,\"  /  COUNTY OF \",B2752)","v":"Texas  /  COUNTY OF COOKE"},484350,510400,510400]
["TX","CORYELL",510400,"Texas","Texas",null,"Texas  /  COUNTY OF CORYELL",484350,510400,510400]
["TX","COTTLE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF COTTLE",484350,510400,510400]
["TX","CRANE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF CRANE",484350,510400,510400]
["TX","CROCKETT",510400,"Texas","Texas",null,"Texas  /  COUNTY OF CROCKETT",484350,510400,510400]
["TX","CROSBY",510400,"Texas","Texas",null,"Texas  /  COUNTY OF CROSBY",484350,510400,510400]
["TX","CULBERSON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF CULBERSON",484350,510400,510400]
["TX","DALLAM",510400,"Texas","Texas",null,"Texas  /  COUNTY OF DALLAM",484350,510400,510400]
["TX","DALLAS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF DALLAS",484350,510400,510400]
["TX","DAWSON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF DAWSON",484350,510400,510400]
["TX","DEAF SMITH",510400,"Texas","Texas",null,"Texas  /  COUNTY OF DEAF SMITH",484350,510400,510400]
["TX","DELTA",510400,"Texas","Texas",null,"Texas  /  COUNTY OF DELTA",484350,510400,510400]
["TX","DENTON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF DENTON",484350,510400,510400]
["TX","DE WITT",510400,"Texas","Texas",null,"Texas  /  COUNTY OF DE WITT",484350,510400,510400]
["TX","DICKENS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF DICKENS",484350,510400,510400]
["TX","DIMMIT",510400,"Texas","Texas",null,"Texas  /  COUNTY OF DIMMIT",484350,510400,510400]
["TX","DONLEY",510400,"Texas","Texas",null,"Texas  /  COUNTY OF DONLEY",484350,510400,510400]
["TX","DUVAL",510400,"Texas","Texas",null,"Texas  /  COUNTY OF DUVAL",484350,510400,510400]
["TX","EASTLAND",510400,"Texas","Texas",null,"Texas  /  COUNTY OF EASTLAND",484350,510400,510400]
["TX","ECTOR",510400,"Texas","Texas",null,"Texas  /  COUNTY OF ECTOR",484350,510400,510400]
["TX","EDWARDS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF EDWARDS",484350,510400,510400]
["TX","ELLIS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF ELLIS",484350,510400,510400]
["TX","EL PASO",510400,"Texas","Texas",null,"Texas  /  COUNTY OF EL PASO",484350,510400,510400]
["TX","ERATH",510400,"Texas","Texas",null,"Texas  /  COUNTY OF ERATH",484350,510400,510400]
["TX","FALLS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF FALLS",484350,510400,510400]
["TX","FANNIN",510400,"Texas","Texas",null,"Texas  /  COUNTY OF FANNIN",484350,510400,510400]
["TX","FAYETTE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF FAYETTE",484350,510400,510400]
["TX","FISHER",510400,"Texas","Texas",null,"Texas  /  COUNTY OF FISHER",484350,510400,510400]
["TX","FLOYD",510400,"Texas","Texas",null,"Texas  /  COUNTY OF FLOYD",484350,510400,510400]
["TX","FOARD",510400,"Texas","Texas",null,"Texas  /  COUNTY OF FOARD",484350,510400,510400]
["TX","FORT BEND",510400,"Texas","Texas",null,"Texas  /  COUNTY OF FORT BEND",484350,510400,510400]
["TX","FRANKLIN",510400,"Texas","Texas",null,"Texas  /  COUNTY OF FRANKLIN",484350,510400,510400]
["TX","FREESTONE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF FREESTONE",484350,510400,510400]
["TX","FRIO",510400,"Texas","Texas",null,"Texas  /  COUNTY OF FRIO",484350,510400,510400]
["TX","GAINES",510400,"Texas","Texas",null,"Texas  /  COUNTY OF GAINES",484350,510400,510400]
["TX","GALVESTON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF GALVESTON",484350,510400,510400]
["TX","GARZA",510400,"Texas","Texas",null,"Texas  /  COUNTY OF GARZA",484350,510400,510400]
["TX","GILLESPIE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF GILLESPIE",484350,510400,510400]
["TX","GLASSCOCK",510400,"Texas","Texas",null,"Texas  /  COUNTY OF GLASSCOCK",484350,510400,510400]
["TX","GOLIAD",510400,"Texas","Texas",null,"Texas  /  COUNTY OF GOLIAD",484350,510400,510400]
["TX","GONZALES",510400,"Texas","Texas",null,"Texas  /  COUNTY OF GONZALES",484350,510400,510400]
["TX","GRAY",510400,"Texas","Texas",null,"Texas  /  COUNTY OF GRAY",484350,510400,510400]
["TX","GRAYSON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF GRAYSON",484350,510400,510400]
["TX","GREGG",510400,"Texas","Texas",null,"Texas  /  COUNTY OF GREGG",484350,510400,510400]
["TX","GRIMES",510400,"Texas","Texas",null,"Texas  /  COUNTY OF GRIMES",484350,510400,510400]
["TX","GUADALUPE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF GUADALUPE",484350,510400,510400]
["TX","HALE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF HALE",484350,510400,510400]
["TX","HALL",510400,"Texas","Texas",null,"Texas  /  COUNTY OF HALL",484350,510400,510400]
["TX","HAMILTON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF HAMILTON",484350,510400,510400]
["TX","HANSFORD",510400,"Texas","Texas",null,"Texas  /  COUNTY OF HANSFORD",484350,510400,510400]
["TX","HARDEMAN",510400,"Texas","Texas",null,"Texas  /  COUNTY OF HARDEMAN",484350,510400,510400]
["TX","HARDIN",510400,"Texas","Texas",null,"Texas  /  COUNTY OF HARDIN",484350,510400,510400]
["TX","HARRIS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF HARRIS",484350,510400,510400]
["TX","HARRISON",{"$f":"+IF($E$107=FALSE,H2805,I2805)","v":510400},"Texas","Texas",null,"Texas  /  COUNTY OF HARRISON",484350,510400,510400]
["TX","HARTLEY",510400,"Texas","Texas",null,"Texas  /  COUNTY OF HARTLEY",484350,510400,510400]
["TX","HASKELL",510400,"Texas","Texas",null,"Texas  /  COUNTY OF HASKELL",484350,510400,510400]
["TX","HAYS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF HAYS",484350,510400,510400]
["TX","HEMPHILL",510400,"Texas","Texas",null,"Texas  /  COUNTY OF HEMPHILL",484350,510400,510400]
["TX","HENDERSON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF HENDERSON",484350,510400,510400]
["TX","HIDALGO",510400,"Texas","Texas",null,"Texas  /  COUNTY OF HIDALGO",484350,510400,510400]
["TX","HILL",510400,"Texas","Texas",null,"Texas  /  COUNTY OF HILL",484350,510400,510400]
["TX","HOCKLEY",510400,"Texas","Texas",null,"Texas  /  COUNTY OF HOCKLEY",484350,510400,510400]
["TX","HOOD",510400,"Texas","Texas",null,"Texas  /  COUNTY OF HOOD",484350,510400,510400]
["TX","HOPKINS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF HOPKINS",484350,510400,510400]
["TX","HOUSTON",510400,"Texas","Texas",null,{"$f":" CONCATENATE(E2816,\"  /  COUNTY OF \",B2816)","v":"Texas  /  COUNTY OF HOUSTON"},484350,510400,510400]
["TX","HOWARD",510400,"Texas","Texas",null,"Texas  /  COUNTY OF HOWARD",484350,510400,510400]
["TX","HUDSPETH",510400,"Texas","Texas",null,"Texas  /  COUNTY OF HUDSPETH",484350,510400,510400]
["TX","HUNT",510400,"Texas","Texas",null,"Texas  /  COUNTY OF HUNT",484350,510400,510400]
["TX","HUTCHINSON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF HUTCHINSON",484350,510400,510400]
["TX","IRION",510400,"Texas","Texas",null,"Texas  /  COUNTY OF IRION",484350,510400,510400]
["TX","JACK",510400,"Texas","Texas",null,"Texas  /  COUNTY OF JACK",484350,510400,510400]
["TX","JACKSON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF JACKSON",484350,510400,510400]
["TX","JASPER",510400,"Texas","Texas",null,"Texas  /  COUNTY OF JASPER",484350,510400,510400]
["TX","JEFF DAVIS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF JEFF DAVIS",484350,510400,510400]
["TX","JEFFERSON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF JEFFERSON",484350,510400,510400]
["TX","JIM HOGG",510400,"Texas","Texas",null,"Texas  /  COUNTY OF JIM HOGG",484350,510400,510400]
["TX","JIM WELLS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF JIM WELLS",484350,510400,510400]
["TX","JOHNSON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF JOHNSON",484350,510400,510400]
["TX","JONES",510400,"Texas","Texas",null,"Texas  /  COUNTY OF JONES",484350,510400,510400]
["TX","KARNES",510400,"Texas","Texas",null,"Texas  /  COUNTY OF KARNES",484350,510400,510400]
["TX","KAUFMAN",510400,"Texas","Texas",null,"Texas  /  COUNTY OF KAUFMAN",484350,510400,510400]
["TX","KENDALL",510400,"Texas","Texas",null,"Texas  /  COUNTY OF KENDALL",484350,510400,510400]
["TX","KENEDY",510400,"Texas","Texas",null,"Texas  /  COUNTY OF KENEDY",484350,510400,510400]
["TX","KENT",510400,"Texas","Texas",null,"Texas  /  COUNTY OF KENT",484350,510400,510400]
["TX","KERR",510400,"Texas","Texas",null,"Texas  /  COUNTY OF KERR",484350,510400,510400]
["TX","KIMBLE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF KIMBLE",484350,510400,510400]
["TX","KING",510400,"Texas","Texas",null,"Texas  /  COUNTY OF KING",484350,510400,510400]
["TX","KINNEY",510400,"Texas","Texas",null,"Texas  /  COUNTY OF KINNEY",484350,510400,510400]
["TX","KLEBERG",510400,"Texas","Texas",null,"Texas  /  COUNTY OF KLEBERG",484350,510400,510400]
["TX","KNOX",510400,"Texas","Texas",null,"Texas  /  COUNTY OF KNOX",484350,510400,510400]
["TX","LAMAR",510400,"Texas","Texas",null,"Texas  /  COUNTY OF LAMAR",484350,510400,510400]
["TX","LAMB",510400,"Texas","Texas",null,"Texas  /  COUNTY OF LAMB",484350,510400,510400]
["TX","LAMPASAS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF LAMPASAS",484350,510400,510400]
["TX","LA SALLE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF LA SALLE",484350,510400,510400]
["TX","LAVACA",510400,"Texas","Texas",null,"Texas  /  COUNTY OF LAVACA",484350,510400,510400]
["TX","LEE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF LEE",484350,510400,510400]
["TX","LEON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF LEON",484350,510400,510400]
["TX","LIBERTY",510400,"Texas","Texas",null,"Texas  /  COUNTY OF LIBERTY",484350,510400,510400]
["TX","LIMESTONE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF LIMESTONE",484350,510400,510400]
["TX","LIPSCOMB",510400,"Texas","Texas",null,"Texas  /  COUNTY OF LIPSCOMB",484350,510400,510400]
["TX","LIVE OAK",510400,"Texas","Texas",null,"Texas  /  COUNTY OF LIVE OAK",484350,510400,510400]
["TX","LLANO",510400,"Texas","Texas",null,"Texas  /  COUNTY OF LLANO",484350,510400,510400]
["TX","LOVING",510400,"Texas","Texas",null,"Texas  /  COUNTY OF LOVING",484350,510400,510400]
["TX","LUBBOCK",510400,"Texas","Texas",null,"Texas  /  COUNTY OF LUBBOCK",484350,510400,510400]
["TX","LYNN",510400,"Texas","Texas",null,"Texas  /  COUNTY OF LYNN",484350,510400,510400]
["TX","MCCULLOCH",510400,"Texas","Texas",null,"Texas  /  COUNTY OF MCCULLOCH",484350,510400,510400]
["TX","MCLENNAN",510400,"Texas","Texas",null,"Texas  /  COUNTY OF MCLENNAN",484350,510400,510400]
["TX","MCMULLEN",510400,"Texas","Texas",null,"Texas  /  COUNTY OF MCMULLEN",484350,510400,510400]
["TX","MADISON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF MADISON",484350,510400,510400]
["TX","MARION",510400,"Texas","Texas",null,"Texas  /  COUNTY OF MARION",484350,510400,510400]
["TX","MARTIN",510400,"Texas","Texas",null,"Texas  /  COUNTY OF MARTIN",484350,510400,510400]
["TX","MASON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF MASON",484350,510400,510400]
["TX","MATAGORDA",510400,"Texas","Texas",null,"Texas  /  COUNTY OF MATAGORDA",484350,510400,510400]
["TX","MAVERICK",510400,"Texas","Texas",null,"Texas  /  COUNTY OF MAVERICK",484350,510400,510400]
["TX","MEDINA",510400,"Texas","Texas",null,"Texas  /  COUNTY OF MEDINA",484350,510400,510400]
["TX","MENARD",510400,"Texas","Texas",null,"Texas  /  COUNTY OF MENARD",484350,510400,510400]
["TX","MIDLAND",510400,"Texas","Texas",null,"Texas  /  COUNTY OF MIDLAND",484350,510400,510400]
["TX","MILAM",{"$f":"+IF($E$107=FALSE,H2869,I2869)","v":510400},"Texas","Texas",null,"Texas  /  COUNTY OF MILAM",484350,510400,510400]
["TX","MILLS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF MILLS",484350,510400,510400]
["TX","MITCHELL",510400,"Texas","Texas",null,"Texas  /  COUNTY OF MITCHELL",484350,510400,510400]
["TX","MONTAGUE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF MONTAGUE",484350,510400,510400]
["TX","MONTGOMERY",510400,"Texas","Texas",null,"Texas  /  COUNTY OF MONTGOMERY",484350,510400,510400]
["TX","MOORE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF MOORE",484350,510400,510400]
["TX","MORRIS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF MORRIS",484350,510400,510400]
["TX","MOTLEY",510400,"Texas","Texas",null,"Texas  /  COUNTY OF MOTLEY",484350,510400,510400]
["TX","NACOGDOCHES",510400,"Texas","Texas",null,"Texas  /  COUNTY OF NACOGDOCHES",484350,510400,510400]
["TX","NAVARRO",510400,"Texas","Texas",null,"Texas  /  COUNTY OF NAVARRO",484350,510400,510400]
["TX","NEWTON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF NEWTON",484350,510400,510400]
["TX","NOLAN",510400,"Texas","Texas",null,{"$f":" CONCATENATE(E2880,\"  /  COUNTY OF \",B2880)","v":"Texas  /  COUNTY OF NOLAN"},484350,510400,510400]
["TX","NUECES",510400,"Texas","Texas",null,"Texas  /  COUNTY OF NUECES",484350,510400,510400]
["TX","OCHILTREE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF OCHILTREE",484350,510400,510400]
["TX","OLDHAM",510400,"Texas","Texas",null,"Texas  /  COUNTY OF OLDHAM",484350,510400,510400]
["TX","ORANGE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF ORANGE",484350,510400,510400]
["TX","PALO PINTO",510400,"Texas","Texas",null,"Texas  /  COUNTY OF PALO PINTO",484350,510400,510400]
["TX","PANOLA",510400,"Texas","Texas",null,"Texas  /  COUNTY OF PANOLA",484350,510400,510400]
["TX","PARKER",510400,"Texas","Texas",null,"Texas  /  COUNTY OF PARKER",484350,510400,510400]
["TX","PARMER",510400,"Texas","Texas",null,"Texas  /  COUNTY OF PARMER",484350,510400,510400]
["TX","PECOS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF PECOS",484350,510400,510400]
["TX","POLK",510400,"Texas","Texas",null,"Texas  /  COUNTY OF POLK",484350,510400,510400]
["TX","POTTER",510400,"Texas","Texas",null,"Texas  /  COUNTY OF POTTER",484350,510400,510400]
["TX","PRESIDIO",510400,"Texas","Texas",null,"Texas  /  COUNTY OF PRESIDIO",484350,510400,510400]
["TX","RAINS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF RAINS",484350,510400,510400]
["TX","RANDALL",510400,"Texas","Texas",null,"Texas  /  COUNTY OF RANDALL",484350,510400,510400]
["TX","REAGAN",510400,"Texas","Texas",null,"Texas  /  COUNTY OF REAGAN",484350,510400,510400]
["TX","REAL",510400,"Texas","Texas",null,"Texas  /  COUNTY OF REAL",484350,510400,510400]
["TX","RED RIVER",510400,"Texas","Texas",null,"Texas  /  COUNTY OF RED RIVER",484350,510400,510400]
["TX","REEVES",510400,"Texas","Texas",null,"Texas  /  COUNTY OF REEVES",484350,510400,510400]
["TX","REFUGIO",510400,"Texas","Texas",null,"Texas  /  COUNTY OF REFUGIO",484350,510400,510400]
["TX","ROBERTS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF ROBERTS",484350,510400,510400]
["TX","ROBERTSON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF ROBERTSON",484350,510400,510400]
["TX","ROCKWALL",510400,"Texas","Texas",null,"Texas  /  COUNTY OF ROCKWALL",484350,510400,510400]
["TX","RUNNELS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF RUNNELS",484350,510400,510400]
["TX","RUSK",510400,"Texas","Texas",null,"Texas  /  COUNTY OF RUSK",484350,510400,510400]
["TX","SABINE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF SABINE",484350,510400,510400]
["TX","SAN AUGUSTINE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF SAN AUGUSTINE",484350,510400,510400]
["TX","SAN JACINTO",510400,"Texas","Texas",null,"Texas  /  COUNTY OF SAN JACINTO",484350,510400,510400]
["TX","SAN PATRICIO",510400,"Texas","Texas",null,"Texas  /  COUNTY OF SAN PATRICIO",484350,510400,510400]
["TX","SAN SABA",510400,"Texas","Texas",null,"Texas  /  COUNTY OF SAN SABA",484350,510400,510400]
["TX","SCHLEICHER",510400,"Texas","Texas",null,"Texas  /  COUNTY OF SCHLEICHER",484350,510400,510400]
["TX","SCURRY",510400,"Texas","Texas",null,"Texas  /  COUNTY OF SCURRY",484350,510400,510400]
["TX","SHACKELFORD",510400,"Texas","Texas",null,"Texas  /  COUNTY OF SHACKELFORD",484350,510400,510400]
["TX","SHELBY",510400,"Texas","Texas",null,"Texas  /  COUNTY OF SHELBY",484350,510400,510400]
["TX","SHERMAN",510400,"Texas","Texas",null,"Texas  /  COUNTY OF SHERMAN",484350,510400,510400]
["TX","SMITH",510400,"Texas","Texas",null,"Texas  /  COUNTY OF SMITH",484350,510400,510400]
["TX","SOMERVELL",510400,"Texas","Texas",null,"Texas  /  COUNTY OF SOMERVELL",484350,510400,510400]
["TX","STARR",510400,"Texas","Texas",null,"Texas  /  COUNTY OF STARR",484350,510400,510400]
["TX","STEPHENS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF STEPHENS",484350,510400,510400]
["TX","STERLING",510400,"Texas","Texas",null,"Texas  /  COUNTY OF STERLING",484350,510400,510400]
["TX","STONEWALL",510400,"Texas","Texas",null,"Texas  /  COUNTY OF STONEWALL",484350,510400,510400]
["TX","SUTTON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF SUTTON",484350,510400,510400]
["TX","SWISHER",510400,"Texas","Texas",null,"Texas  /  COUNTY OF SWISHER",484350,510400,510400]
["TX","TARRANT",510400,"Texas","Texas",null,"Texas  /  COUNTY OF TARRANT",484350,510400,510400]
["TX","TAYLOR",510400,"Texas","Texas",null,"Texas  /  COUNTY OF TAYLOR",484350,510400,510400]
["TX","TERRELL",510400,"Texas","Texas",null,"Texas  /  COUNTY OF TERRELL",484350,510400,510400]
["TX","TERRY",510400,"Texas","Texas",null,"Texas  /  COUNTY OF TERRY",484350,510400,510400]
["TX","THROCKMORTON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF THROCKMORTON",484350,510400,510400]
["TX","TITUS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF TITUS",484350,510400,510400]
["TX","TOM GREEN",510400,"Texas","Texas",null,"Texas  /  COUNTY OF TOM GREEN",484350,510400,510400]
["TX","TRAVIS",510400,"Texas","Texas",null,"Texas  /  COUNTY OF TRAVIS",484350,510400,510400]
["TX","TRINITY",510400,"Texas","Texas",null,"Texas  /  COUNTY OF TRINITY",484350,510400,510400]
["TX","TYLER",510400,"Texas","Texas",null,"Texas  /  COUNTY OF TYLER",484350,510400,510400]
["TX","UPSHUR",{"$f":"+IF($E$107=FALSE,H2933,I2933)","v":510400},"Texas","Texas",null,"Texas  /  COUNTY OF UPSHUR",484350,510400,510400]
["TX","UPTON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF UPTON",484350,510400,510400]
["TX","UVALDE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF UVALDE",484350,510400,510400]
["TX","VAL VERDE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF VAL VERDE",484350,510400,510400]
["TX","VAN ZANDT",510400,"Texas","Texas",null,"Texas  /  COUNTY OF VAN ZANDT",484350,510400,510400]
["TX","VICTORIA",510400,"Texas","Texas",null,"Texas  /  COUNTY OF VICTORIA",484350,510400,510400]
["TX","WALKER",510400,"Texas","Texas",null,"Texas  /  COUNTY OF WALKER",484350,510400,510400]
["TX","WALLER",510400,"Texas","Texas",null,"Texas  /  COUNTY OF WALLER",484350,510400,510400]
["TX","WARD",510400,"Texas","Texas",null,"Texas  /  COUNTY OF WARD",484350,510400,510400]
["TX","WASHINGTON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF WASHINGTON",484350,510400,510400]
["TX","WEBB",510400,"Texas","Texas",null,"Texas  /  COUNTY OF WEBB",484350,510400,510400]
["TX","WHARTON",510400,"Texas","Texas",null,{"$f":" CONCATENATE(E2944,\"  /  COUNTY OF \",B2944)","v":"Texas  /  COUNTY OF WHARTON"},484350,510400,510400]
["TX","WHEELER",510400,"Texas","Texas",null,"Texas  /  COUNTY OF WHEELER",484350,510400,510400]
["TX","WICHITA",510400,"Texas","Texas",null,"Texas  /  COUNTY OF WICHITA",484350,510400,510400]
["TX","WILBARGER",510400,"Texas","Texas",null,"Texas  /  COUNTY OF WILBARGER",484350,510400,510400]
["TX","WILLACY",510400,"Texas","Texas",null,"Texas  /  COUNTY OF WILLACY",484350,510400,510400]
["TX","WILLIAMSON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF WILLIAMSON",484350,510400,510400]
["TX","WILSON",510400,"Texas","Texas",null,"Texas  /  COUNTY OF WILSON",484350,510400,510400]
["TX","WINKLER",510400,"Texas","Texas",null,"Texas  /  COUNTY OF WINKLER",484350,510400,510400]
["TX","WISE",510400,"Texas","Texas",null,"Texas  /  COUNTY OF WISE",484350,510400,510400]
["TX","WOOD",510400,"Texas","Texas",null,"Texas  /  COUNTY OF WOOD",484350,510400,510400]
["TX","YOAKUM",510400,"Texas","Texas",null,"Texas  /  COUNTY OF YOAKUM",484350,510400,510400]
["TX","YOUNG",510400,"Texas","Texas",null,"Texas  /  COUNTY OF YOUNG",484350,510400,510400]
["TX","ZAPATA",510400,"Texas","Texas",null,"Texas  /  COUNTY OF ZAPATA",484350,510400,510400]
["TX","ZAVALA",510400,"Texas","Texas",null,"Texas  /  COUNTY OF ZAVALA",484350,510400,510400]
["UT","BEAVER",510400,"Utah","Utah",null,"Utah  /  COUNTY OF BEAVER",484350,510400,510400]
["UT","BOX ELDER",0,"Utah","Utah",null,"Utah  /  COUNTY OF BOX ELDER",484350,null,646300]
["UT","CACHE",510400,"Utah","Utah",null,"Utah  /  COUNTY OF CACHE",484350,510400,510400]
["UT","CARBON",510400,"Utah","Utah",null,"Utah  /  COUNTY OF CARBON",484350,510400,510400]
["UT","DAGGETT",510400,"Utah","Utah",null,"Utah  /  COUNTY OF DAGGETT",484350,510400,510400]
["UT","DAVIS",0,"Utah","Utah",null,"Utah  /  COUNTY OF DAVIS",484350,null,646300]
["UT","DUCHESNE",510400,"Utah","Utah",null,"Utah  /  COUNTY OF DUCHESNE",484350,510400,510400]
["UT","EMERY",510400,"Utah","Utah",null,"Utah  /  COUNTY OF EMERY",484350,510400,510400]
["UT","GARFIELD",510400,"Utah","Utah",null,"Utah  /  COUNTY OF GARFIELD",484350,510400,510400]
["UT","GRAND",510400,"Utah","Utah",null,"Utah  /  COUNTY OF GRAND",484350,510400,510400]
["UT","IRON",510400,"Utah","Utah",null,"Utah  /  COUNTY OF IRON",484350,510400,510400]
["UT","JUAB",510400,"Utah","Utah",null,"Utah  /  COUNTY OF JUAB",484350,510400,510400]
["UT","KANE",510400,"Utah","Utah",null,"Utah  /  COUNTY OF KANE",484350,510400,510400]
["UT","MILLARD",510400,"Utah","Utah",null,"Utah  /  COUNTY OF MILLARD",484350,510400,510400]
["UT","MORGAN",0,"Utah","Utah",null,"Utah  /  COUNTY OF MORGAN",484350,null,646300]
["UT","PIUTE",510400,"Utah","Utah",null,"Utah  /  COUNTY OF PIUTE",484350,510400,510400]
["UT","RICH",510400,"Utah","Utah",null,"Utah  /  COUNTY OF RICH",484350,510400,510400]
["UT","SALT LAKE",0,"Utah","Utah",null,"Utah  /  COUNTY OF SALT LAKE",600300,null,600300]
["UT","SAN JUAN",510400,"Utah","Utah",null,"Utah  /  COUNTY OF SAN JUAN",484350,510400,510400]
["UT","SANPETE",510400,"Utah","Utah",null,"Utah  /  COUNTY OF SANPETE",484350,510400,510400]
["UT","SEVIER",510400,"Utah","Utah",null,"Utah  /  COUNTY OF SEVIER",484350,510400,510400]
["UT","SUMMIT",0,"Utah","Utah",null,"Utah  /  COUNTY OF SUMMIT",726525,null,762450]
["UT","TOOELE",0,"Utah","Utah",null,"Utah  /  COUNTY OF TOOELE",600300,null,600300]
["UT","UINTAH",510400,"Utah","Utah",null,"Utah  /  COUNTY OF UINTAH",484350,510400,510400]
["UT","UTAH",510400,"Utah","Utah",null,"Utah  /  COUNTY OF UTAH",484350,510400,510400]
["UT","WASATCH",0,"Utah","Utah",null,"Utah  /  COUNTY OF WASATCH",484350,null,762450]
["UT","WASHINGTON",510400,"Utah","Utah",null,"Utah  /  COUNTY OF WASHINGTON",484350,510400,510400]
["UT","WAYNE",510400,"Utah","Utah",null,"Utah  /  COUNTY OF WAYNE",484350,510400,510400]
["UT","WEBER",0,"Utah","Utah",null,"Utah  /  COUNTY OF WEBER",484350,null,646300]
["VT","ADDISON",510400,"Vermont","Vermont",null,"Vermont  /  COUNTY OF ADDISON",484350,510400,510400]
["VT","BENNINGTON",510400,"Vermont","Vermont",null,"Vermont  /  COUNTY OF BENNINGTON",484350,510400,510400]
["VT","CALEDONIA",510400,"Vermont","Vermont",null,"Vermont  /  COUNTY OF CALEDONIA",484350,510400,510400]
["VT","CHITTENDEN",510400,"Vermont","Vermont",null,"Vermont  /  COUNTY OF CHITTENDEN",484350,510400,510400]
["VT","ESSEX",510400,"Vermont","Vermont",null,"Vermont  /  COUNTY OF ESSEX",484350,510400,510400]
["VT","FRANKLIN",510400,"Vermont","Vermont",null,"Vermont  /  COUNTY OF FRANKLIN",484350,510400,510400]
["VT","GRAND ISLE",510400,"Vermont","Vermont",null,"Vermont  /  COUNTY OF GRAND ISLE",484350,510400,510400]
["VT","LAMOILLE",510400,"Vermont","Vermont",null,"Vermont  /  COUNTY OF LAMOILLE",484350,510400,510400]
["VT","ORANGE",510400,"Vermont","Vermont",null,"Vermont  /  COUNTY OF ORANGE",484350,510400,510400]
["VT","ORLEANS",510400,"Vermont","Vermont",null,"Vermont  /  COUNTY OF ORLEANS",484350,510400,510400]
["VT","RUTLAND",{"$f":"+IF($E$107=FALSE,H2997,I2997)","v":510400},"Vermont","Vermont",null,"Vermont  /  COUNTY OF RUTLAND",484350,510400,510400]
["VT","WASHINGTON",510400,"Vermont","Vermont",null,"Vermont  /  COUNTY OF WASHINGTON",484350,510400,510400]
["VT","WINDHAM",510400,"Vermont","Vermont",null,"Vermont  /  COUNTY OF WINDHAM",484350,510400,510400]
["VT","WINDSOR",510400,"Vermont","Vermont",null,"Vermont  /  COUNTY OF WINDSOR",484350,510400,510400]
["VA","ACCOMACK",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF ACCOMACK",484350,510400,510400]
["VA","ALBEMARLE",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF ALBEMARLE",484350,510400,510400]
["VA","ALLEGHANY",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF ALLEGHANY",484350,510400,510400]
["VA","AMELIA",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF AMELIA",535900,null,535900]
["VA","AMHERST",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF AMHERST",484350,510400,510400]
["VA","APPOMATTOX",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF APPOMATTOX",484350,510400,510400]
["VA","ARLINGTON",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF ARLINGTON",726525,null,765600]
["VA","AUGUSTA",510400,"Virginia","Virginia",null,{"$f":" CONCATENATE(E3008,\"  /  COUNTY OF \",B3008)","v":"Virginia  /  COUNTY OF AUGUSTA"},484350,510400,510400]
["VA","BATH",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF BATH",484350,510400,510400]
["VA","BEDFORD",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF BEDFORD",484350,510400,510400]
["VA","BLAND",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF BLAND",484350,510400,510400]
["VA","BOTETOURT",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF BOTETOURT",484350,510400,510400]
["VA","BRUNSWICK",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF BRUNSWICK",484350,510400,510400]
["VA","BUCHANAN",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF BUCHANAN",484350,510400,510400]
["VA","BUCKINGHAM",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF BUCKINGHAM",484350,510400,510400]
["VA","CAMPBELL",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF CAMPBELL",484350,510400,510400]
["VA","CAROLINE",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF CAROLINE",535900,null,535900]
["VA","CARROLL",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF CARROLL",484350,510400,510400]
["VA","CHARLES CITY",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF CHARLES CITY",535900,null,535900]
["VA","CHARLOTTE",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF CHARLOTTE",484350,510400,510400]
["VA","CHESTERFIELD",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF CHESTERFIELD",535900,null,535900]
["VA","CLARKE",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF CLARKE",726525,null,765600]
["VA","CRAIG",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF CRAIG",484350,510400,510400]
["VA","CULPEPER",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF CULPEPER",726525,null,765600]
["VA","CUMBERLAND",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF CUMBERLAND",535900,null,535900]
["VA","DICKENSON",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF DICKENSON",484350,510400,510400]
["VA","DINWIDDIE",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF DINWIDDIE",535900,null,535900]
["VA","ESSEX",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF ESSEX",484350,510400,510400]
["VA","FAIRFAX",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF FAIRFAX",726525,null,765600]
["VA","FAUQUIER",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF FAUQUIER",726525,null,765600]
["VA","FLOYD",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF FLOYD",484350,510400,510400]
["VA","FLUVANNA",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF FLUVANNA",484350,510400,510400]
["VA","FRANKLIN",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF FRANKLIN",484350,510400,510400]
["VA","FREDERICK",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF FREDERICK",484350,510400,510400]
["VA","GILES",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF GILES",484350,510400,510400]
["VA","GLOUCESTER",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF GLOUCESTER",484350,510400,510400]
["VA","GOOCHLAND",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF GOOCHLAND",535900,null,535900]
["VA","GRAYSON",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF GRAYSON",484350,510400,510400]
["VA","GREENE",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF GREENE",484350,510400,510400]
["VA","GREENSVILLE",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF GREENSVILLE",484350,510400,510400]
["VA","HALIFAX",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF HALIFAX",484350,510400,510400]
["VA","HANOVER",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF HANOVER",535900,null,535900]
["VA","HENRICO",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF HENRICO",535900,null,535900]
["VA","HENRY",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF HENRY",484350,510400,510400]
["VA","HIGHLAND",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF HIGHLAND",484350,510400,510400]
["VA","ISLE OF WIGHT",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF ISLE OF WIGHT",484350,510400,510400]
["VA","JAMES CITY",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF JAMES CITY",484350,510400,510400]
["VA","KING AND QUEEN",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF KING AND QUEEN",535900,null,535900]
["VA","KING GEORGE",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF KING GEORGE",484350,510400,510400]
["VA","KING WILLIAM",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF KING WILLIAM",535900,null,535900]
["VA","LANCASTER",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF LANCASTER",484350,510400,510400]
["VA","LEE",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF LEE",484350,510400,510400]
["VA","LOUDOUN",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF LOUDOUN",726525,null,765600]
["VA","LOUISA",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF LOUISA",535900,null,535900]
["VA","LUNENBURG",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF LUNENBURG",484350,510400,510400]
["VA","MADISON",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF MADISON",484350,null,765600]
["VA","MATHEWS",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF MATHEWS",484350,510400,510400]
["VA","MECKLENBURG",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF MECKLENBURG",484350,510400,510400]
["VA","MIDDLESEX",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF MIDDLESEX",484350,510400,510400]
["VA","MONTGOMERY",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF MONTGOMERY",484350,510400,510400]
["VA","NELSON",{"$f":"+IF($E$107=FALSE,H3061,I3061)","v":510400},"Virginia","Virginia",null,"Virginia  /  COUNTY OF NELSON",484350,510400,510400]
["VA","NEW KENT",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF NEW KENT",535900,null,535900]
["VA","NORTHAMPTON",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF NORTHAMPTON",484350,510400,510400]
["VA","NORTHUMBERLAND",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF NORTHUMBERLAND",484350,510400,510400]
["VA","NOTTOWAY",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF NOTTOWAY",484350,510400,510400]
["VA","ORANGE",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF ORANGE",484350,510400,510400]
["VA","PAGE",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF PAGE",484350,510400,510400]
["VA","PATRICK",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF PATRICK",484350,510400,510400]
["VA","PITTSYLVANIA",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF PITTSYLVANIA",484350,510400,510400]
["VA","POWHATAN",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF POWHATAN",535900,null,535900]
["VA","PRINCE EDWARD",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF PRINCE EDWARD",484350,510400,510400]
["VA","PRINCE GEORGE",0,"Virginia","Virginia",null,{"$f":" CONCATENATE(E3072,\"  /  COUNTY OF \",B3072)","v":"Virginia  /  COUNTY OF PRINCE GEORGE"},535900,null,535900]
["VA","PRINCE WILLIAM",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF PRINCE WILLIAM",726525,null,765600]
["VA","PULASKI",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF PULASKI",484350,510400,510400]
["VA","RAPPAHANNOCK",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF RAPPAHANNOCK",726525,null,765600]
["VA","RICHMOND",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF RICHMOND",484350,null,535900]
["VA","ROANOKE",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF ROANOKE",484350,510400,510400]
["VA","ROCKBRIDGE",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF ROCKBRIDGE",484350,510400,510400]
["VA","ROCKINGHAM",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF ROCKINGHAM",484350,510400,510400]
["VA","RUSSELL",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF RUSSELL",484350,510400,510400]
["VA","SCOTT",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF SCOTT",484350,510400,510400]
["VA","SHENANDOAH",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF SHENANDOAH",484350,510400,510400]
["VA","SMYTH",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF SMYTH",484350,510400,510400]
["VA","SOUTHAMPTON",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF SOUTHAMPTON",484350,510400,510400]
["VA","SPOTSYLVANIA",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF SPOTSYLVANIA",726525,null,765600]
["VA","STAFFORD",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF STAFFORD",726525,null,765600]
["VA","SURRY",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF SURRY",484350,510400,510400]
["VA","SUSSEX",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF SUSSEX",535900,null,535900]
["VA","TAZEWELL",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF TAZEWELL",484350,510400,510400]
["VA","WARREN",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF WARREN",726525,null,765600]
["VA","WASHINGTON",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF WASHINGTON",484350,510400,510400]
["VA","WESTMORELAND",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF WESTMORELAND",484350,510400,510400]
["VA","WISE",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF WISE",484350,510400,510400]
["VA","WYTHE",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF WYTHE",484350,510400,510400]
["VA","YORK",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF YORK",484350,510400,510400]
["VA","ALEXANDRIA",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF ALEXANDRIA",726525,null,765600]
["VA","BEDFORD IND",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF BEDFORD IND",484350,510400,510400]
["VA","BRISTOL",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF BRISTOL",484350,510400,510400]
["VA","BUENA VISTA",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF BUENA VISTA",484350,510400,510400]
["VA","CHARLOTTESVILLE",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF CHARLOTTESVILLE",484350,510400,510400]
["VA","CHESAPEAKE",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF CHESAPEAKE",484350,510400,510400]
["VA","COLONIAL HEIGHT",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF COLONIAL HEIGHT",535900,null,535900]
["VA","COVINGTON",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF COVINGTON",484350,510400,510400]
["VA","DANVILLE",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF DANVILLE",484350,510400,510400]
["VA","EMPORIA",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF EMPORIA",484350,510400,510400]
["VA","FAIRFAX IND",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF FAIRFAX IND",726525,null,765600]
["VA","FALLS CHURCH",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF FALLS CHURCH",726525,null,765600]
["VA","FRANKLIN IND",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF FRANKLIN IND",484350,510400,510400]
["VA","FREDERICKSBURG",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF FREDERICKSBURG",726525,null,765600]
["VA","GALAX",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF GALAX",484350,510400,510400]
["VA","HAMPTON",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF HAMPTON",484350,510400,510400]
["VA","HARRISONBURG",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF HARRISONBURG",484350,510400,510400]
["VA","HOPEWELL",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF HOPEWELL",535900,null,535900]
["VA","LEXINGTON",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF LEXINGTON",484350,510400,510400]
["VA","LYNCHBURG",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF LYNCHBURG",484350,510400,510400]
["VA","MANASSAS",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF MANASSAS",726525,null,765600]
["VA","MANASSAS PARK",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF MANASSAS PARK",726525,null,765600]
["VA","MARTINSVILLE",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF MARTINSVILLE",484350,510400,510400]
["VA","NEWPORT NEWS",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF NEWPORT NEWS",484350,510400,510400]
["VA","NORFOLK",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF NORFOLK",484350,510400,510400]
["VA","NORTON",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF NORTON",484350,510400,510400]
["VA","PETERSBURG",0,"Virginia","Virginia",null,"Virginia  /  COUNTY OF PETERSBURG",535900,null,535900]
["VA","POQUOSON",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF POQUOSON",484350,510400,510400]
["VA","PORTSMOUTH",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF PORTSMOUTH",484350,510400,510400]
["VA","RADFORD",{"$f":"+IF($E$107=FALSE,H3125,I3125)","v":510400},"Virginia","Virginia",null,"Virginia  /  COUNTY OF RADFORD",484350,510400,510400]
["VA","RICHMOND IND",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF RICHMOND IND",535900,510400,510400]
["VA","ROANOKE IND",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF ROANOKE IND",484350,510400,510400]
["VA","SALEM",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF SALEM",484350,510400,510400]
["VA","STAUNTON",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF STAUNTON",484350,510400,510400]
["VA","SUFFOLK",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF SUFFOLK",484350,510400,510400]
["VA","VIRGINIA BEACH",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF VIRGINIA BEACH",484350,510400,510400]
["VA","WAYNESBORO",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF WAYNESBORO",484350,510400,510400]
["VA","WILLIAMSBURG",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF WILLIAMSBURG",484350,510400,510400]
["VA","WINCHESTER",510400,"Virginia","Virginia",null,"Virginia  /  COUNTY OF WINCHESTER",484350,510400,510400]
["WA","ADAMS",510400,"Washington","Washington",null,"Washington  /  COUNTY OF ADAMS",484350,510400,510400]
["WA","ASOTIN",510400,"Washington","Washington",null,{"$f":" CONCATENATE(E3136,\"  /  COUNTY OF \",B3136)","v":"Washington  /  COUNTY OF ASOTIN"},484350,510400,510400]
["WA","BENTON",510400,"Washington","Washington",null,"Washington  /  COUNTY OF BENTON",484350,510400,510400]
["WA","CHELAN",510400,"Washington","Washington",null,"Washington  /  COUNTY OF CHELAN",484350,510400,510400]
["WA","CLALLAM",510400,"Washington","Washington",null,"Washington  /  COUNTY OF CLALLAM",484350,510400,510400]
["WA","CLARK",510400,"Washington","Washington",null,"Washington  /  COUNTY OF CLARK",484350,510400,510400]
["WA","COLUMBIA",510400,"Washington","Washington",null,"Washington  /  COUNTY OF COLUMBIA",484350,510400,510400]
["WA","COWLITZ",510400,"Washington","Washington",null,"Washington  /  COUNTY OF COWLITZ",484350,510400,510400]
["WA","DOUGLAS",510400,"Washington","Washington",null,"Washington  /  COUNTY OF DOUGLAS",484350,510400,510400]
["WA","FERRY",510400,"Washington","Washington",null,"Washington  /  COUNTY OF FERRY",484350,510400,510400]
["WA","FRANKLIN",510400,"Washington","Washington",null,"Washington  /  COUNTY OF FRANKLIN",484350,510400,510400]
["WA","GARFIELD",510400,"Washington","Washington",null,"Washington  /  COUNTY OF GARFIELD",484350,510400,510400]
["WA","GRANT",510400,"Washington","Washington",null,"Washington  /  COUNTY OF GRANT",484350,510400,510400]
["WA","GRAYS HARBOR",510400,"Washington","Washington",null,"Washington  /  COUNTY OF GRAYS HARBOR",484350,510400,510400]
["WA","ISLAND",510400,"Washington","Washington",null,"Washington  /  COUNTY OF ISLAND",484350,510400,510400]
["WA","JEFFERSON",510400,"Washington","Washington",null,"Washington  /  COUNTY OF JEFFERSON",484350,510400,510400]
["WA","KING",0,"Washington","Washington",null,"Washington  /  COUNTY OF KING",726525,null,741750]
["WA","KITSAP",510400,"Washington","Washington",null,"Washington  /  COUNTY OF KITSAP",484350,510400,510400]
["WA","KITTITAS",510400,"Washington","Washington",null,"Washington  /  COUNTY OF KITTITAS",484350,510400,510400]
["WA","KLICKITAT",510400,"Washington","Washington",null,"Washington  /  COUNTY OF KLICKITAT",484350,510400,510400]
["WA","LEWIS",510400,"Washington","Washington",null,"Washington  /  COUNTY OF LEWIS",484350,510400,510400]
["WA","LINCOLN",510400,"Washington","Washington",null,"Washington  /  COUNTY OF LINCOLN",484350,510400,510400]
["WA","MASON",510400,"Washington","Washington",null,"Washington  /  COUNTY OF MASON",484350,510400,510400]
["WA","OKANOGAN",510400,"Washington","Washington",null,"Washington  /  COUNTY OF OKANOGAN",484350,510400,510400]
["WA","PACIFIC",510400,"Washington","Washington",null,"Washington  /  COUNTY OF PACIFIC",484350,510400,510400]
["WA","PEND OREILLE",510400,"Washington","Washington",null,"Washington  /  COUNTY OF PEND OREILLE",484350,510400,510400]
["WA","PIERCE",0,"Washington","Washington",null,"Washington  /  COUNTY OF PIERCE",726525,null,741750]
["WA","SAN JUAN",510400,"Washington","Washington",null,"Washington  /  COUNTY OF SAN JUAN",484350,510400,510400]
["WA","SKAGIT",510400,"Washington","Washington",null,"Washington  /  COUNTY OF SKAGIT",484350,510400,510400]
["WA","SKAMANIA",510400,"Washington","Washington",null,"Washington  /  COUNTY OF SKAMANIA",484350,510400,510400]
["WA","SNOHOMISH",0,"Washington","Washington",null,"Washington  /  COUNTY OF SNOHOMISH",726525,null,741750]
["WA","SPOKANE",510400,"Washington","Washington",null,"Washington  /  COUNTY OF SPOKANE",484350,510400,510400]
["WA","STEVENS",510400,"Washington","Washington",null,"Washington  /  COUNTY OF STEVENS",484350,510400,510400]
["WA","THURSTON",510400,"Washington","Washington",null,"Washington  /  COUNTY OF THURSTON",484350,510400,510400]
["WA","WAHKIAKUM",510400,"Washington","Washington",null,"Washington  /  COUNTY OF WAHKIAKUM",484350,510400,510400]
["WA","WALLA WALLA",510400,"Washington","Washington",null,"Washington  /  COUNTY OF WALLA WALLA",484350,510400,510400]
["WA","WHATCOM",510400,"Washington","Washington",null,"Washington  /  COUNTY OF WHATCOM",484350,510400,510400]
["WA","WHITMAN",510400,"Washington","Washington",null,"Washington  /  COUNTY OF WHITMAN",484350,510400,510400]
["WA","YAKIMA",510400,"Washington","Washington",null,"Washington  /  COUNTY OF YAKIMA",484350,510400,510400]
["WV","BARBOUR",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF BARBOUR",484350,510400,510400]
["WV","BERKELEY",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF BERKELEY",484350,510400,510400]
["WV","BOONE",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF BOONE",484350,510400,510400]
["WV","BRAXTON",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF BRAXTON",484350,510400,510400]
["WV","BROOKE",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF BROOKE",484350,510400,510400]
["WV","CABELL",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF CABELL",484350,510400,510400]
["WV","CALHOUN",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF CALHOUN",484350,510400,510400]
["WV","CLAY",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF CLAY",484350,510400,510400]
["WV","DODDRIDGE",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF DODDRIDGE",484350,510400,510400]
["WV","FAYETTE",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF FAYETTE",484350,510400,510400]
["WV","GILMER",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF GILMER",484350,510400,510400]
["WV","GRANT",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF GRANT",484350,510400,510400]
["WV","GREENBRIER",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF GREENBRIER",484350,510400,510400]
["WV","HAMPSHIRE",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF HAMPSHIRE",484350,510400,510400]
["WV","HANCOCK",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF HANCOCK",484350,510400,510400]
["WV","HARDY",{"$f":"+IF($E$107=FALSE,H3189,I3189)","v":510400},"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF HARDY",484350,510400,510400]
["WV","HARRISON",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF HARRISON",484350,510400,510400]
["WV","JACKSON",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF JACKSON",484350,510400,510400]
["WV","JEFFERSON",0,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF JEFFERSON",726525,null,765600]
["WV","KANAWHA",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF KANAWHA",484350,510400,510400]
["WV","LEWIS",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF LEWIS",484350,510400,510400]
["WV","LINCOLN",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF LINCOLN",484350,510400,510400]
["WV","LOGAN",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF LOGAN",484350,510400,510400]
["WV","MCDOWELL",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF MCDOWELL",484350,510400,510400]
["WV","MARION",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF MARION",484350,510400,510400]
["WV","MARSHALL",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF MARSHALL",484350,510400,510400]
["WV","MASON",510400,"West Virginia","West Virginia",null,{"$f":" CONCATENATE(E3200,\"  /  COUNTY OF \",B3200)","v":"West Virginia  /  COUNTY OF MASON"},484350,510400,510400]
["WV","MERCER",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF MERCER",484350,510400,510400]
["WV","MINERAL",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF MINERAL",484350,510400,510400]
["WV","MINGO",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF MINGO",484350,510400,510400]
["WV","MONONGALIA",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF MONONGALIA",484350,510400,510400]
["WV","MONROE",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF MONROE",484350,510400,510400]
["WV","MORGAN",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF MORGAN",484350,510400,510400]
["WV","NICHOLAS",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF NICHOLAS",484350,510400,510400]
["WV","OHIO",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF OHIO",484350,510400,510400]
["WV","PENDLETON",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF PENDLETON",484350,510400,510400]
["WV","PLEASANTS",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF PLEASANTS",484350,510400,510400]
["WV","POCAHONTAS",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF POCAHONTAS",484350,510400,510400]
["WV","PRESTON",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF PRESTON",484350,510400,510400]
["WV","PUTNAM",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF PUTNAM",484350,510400,510400]
["WV","RALEIGH",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF RALEIGH",484350,510400,510400]
["WV","RANDOLPH",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF RANDOLPH",484350,510400,510400]
["WV","RITCHIE",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF RITCHIE",484350,510400,510400]
["WV","ROANE",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF ROANE",484350,510400,510400]
["WV","SUMMERS",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF SUMMERS",484350,510400,510400]
["WV","TAYLOR",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF TAYLOR",484350,510400,510400]
["WV","TUCKER",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF TUCKER",484350,510400,510400]
["WV","TYLER",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF TYLER",484350,510400,510400]
["WV","UPSHUR",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF UPSHUR",484350,510400,510400]
["WV","WAYNE",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF WAYNE",484350,510400,510400]
["WV","WEBSTER",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF WEBSTER",484350,510400,510400]
["WV","WETZEL",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF WETZEL",484350,510400,510400]
["WV","WIRT",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF WIRT",484350,510400,510400]
["WV","WOOD",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF WOOD",484350,510400,510400]
["WV","WYOMING",510400,"West Virginia","West Virginia",null,"West Virginia  /  COUNTY OF WYOMING",484350,510400,510400]
["WI","ADAMS",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF ADAMS",484350,510400,510400]
["WI","ASHLAND",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF ASHLAND",484350,510400,510400]
["WI","BARRON",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF BARRON",484350,510400,510400]
["WI","BAYFIELD",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF BAYFIELD",484350,510400,510400]
["WI","BROWN",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF BROWN",484350,510400,510400]
["WI","BUFFALO",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF BUFFALO",484350,510400,510400]
["WI","BURNETT",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF BURNETT",484350,510400,510400]
["WI","CALUMET",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF CALUMET",484350,510400,510400]
["WI","CHIPPEWA",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF CHIPPEWA",484350,510400,510400]
["WI","CLARK",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF CLARK",484350,510400,510400]
["WI","COLUMBIA",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF COLUMBIA",484350,510400,510400]
["WI","CRAWFORD",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF CRAWFORD",484350,510400,510400]
["WI","DANE",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF DANE",484350,510400,510400]
["WI","DODGE",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF DODGE",484350,510400,510400]
["WI","DOOR",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF DOOR",484350,510400,510400]
["WI","DOUGLAS",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF DOUGLAS",484350,510400,510400]
["WI","DUNN",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF DUNN",484350,510400,510400]
["WI","EAU CLAIRE",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF EAU CLAIRE",484350,510400,510400]
["WI","FLORENCE",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF FLORENCE",484350,510400,510400]
["WI","FOND DU LAC",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF FOND DU LAC",484350,510400,510400]
["WI","FOREST",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF FOREST",484350,510400,510400]
["WI","GRANT",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF GRANT",484350,510400,510400]
["WI","GREEN",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF GREEN",484350,510400,510400]
["WI","GREEN LAKE",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF GREEN LAKE",484350,510400,510400]
["WI","IOWA",{"$f":"+IF($E$107=FALSE,H3253,I3253)","v":510400},"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF IOWA",484350,510400,510400]
["WI","IRON",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF IRON",484350,510400,510400]
["WI","JACKSON",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF JACKSON",484350,510400,510400]
["WI","JEFFERSON",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF JEFFERSON",484350,510400,510400]
["WI","JUNEAU",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF JUNEAU",484350,510400,510400]
["WI","KENOSHA",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF KENOSHA",484350,510400,510400]
["WI","KEWAUNEE",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF KEWAUNEE",484350,510400,510400]
["WI","LA CROSSE",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF LA CROSSE",484350,510400,510400]
["WI","LAFAYETTE",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF LAFAYETTE",484350,510400,510400]
["WI","LANGLADE",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF LANGLADE",484350,510400,510400]
["WI","LINCOLN",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF LINCOLN",484350,510400,510400]
["WI","MANITOWOC",510400,"Wisconsin","Wisconsin",null,{"$f":" CONCATENATE(E3264,\"  /  COUNTY OF \",B3264)","v":"Wisconsin  /  COUNTY OF MANITOWOC"},484350,510400,510400]
["WI","MARATHON",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF MARATHON",484350,510400,510400]
["WI","MARINETTE",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF MARINETTE",484350,510400,510400]
["WI","MARQUETTE",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF MARQUETTE",484350,510400,510400]
["WI","MENOMINEE",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF MENOMINEE",484350,510400,510400]
["WI","MILWAUKEE",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF MILWAUKEE",484350,510400,510400]
["WI","MONROE",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF MONROE",484350,510400,510400]
["WI","OCONTO",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF OCONTO",484350,510400,510400]
["WI","ONEIDA",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF ONEIDA",484350,510400,510400]
["WI","OUTAGAMIE",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF OUTAGAMIE",484350,510400,510400]
["WI","OZAUKEE",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF OZAUKEE",484350,510400,510400]
["WI","PEPIN",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF PEPIN",484350,510400,510400]
["WI","PIERCE",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF PIERCE",484350,510400,510400]
["WI","POLK",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF POLK",484350,510400,510400]
["WI","PORTAGE",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF PORTAGE",484350,510400,510400]
["WI","PRICE",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF PRICE",484350,510400,510400]
["WI","RACINE",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF RACINE",484350,510400,510400]
["WI","RICHLAND",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF RICHLAND",484350,510400,510400]
["WI","ROCK",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF ROCK",484350,510400,510400]
["WI","RUSK",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF RUSK",484350,510400,510400]
["WI","ST. CROIX",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF ST. CROIX",484350,510400,510400]
["WI","SAUK",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF SAUK",484350,510400,510400]
["WI","SAWYER",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF SAWYER",484350,510400,510400]
["WI","SHAWANO",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF SHAWANO",484350,510400,510400]
["WI","SHEBOYGAN",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF SHEBOYGAN",484350,510400,510400]
["WI","TAYLOR",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF TAYLOR",484350,510400,510400]
["WI","TREMPEALEAU",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF TREMPEALEAU",484350,510400,510400]
["WI","VERNON",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF VERNON",484350,510400,510400]
["WI","VILAS",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF VILAS",484350,510400,510400]
["WI","WALWORTH",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF WALWORTH",484350,510400,510400]
["WI","WASHBURN",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF WASHBURN",484350,510400,510400]
["WI","WASHINGTON",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF WASHINGTON",484350,510400,510400]
["WI","WAUKESHA",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF WAUKESHA",484350,510400,510400]
["WI","WAUPACA",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF WAUPACA",484350,510400,510400]
["WI","WAUSHARA",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF WAUSHARA",484350,510400,510400]
["WI","WINNEBAGO",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF WINNEBAGO",484350,510400,510400]
["WI","WOOD",510400,"Wisconsin","Wisconsin",null,"Wisconsin  /  COUNTY OF WOOD",484350,510400,510400]
["WY","ALBANY",510400,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF ALBANY",484350,510400,510400]
["WY","BIG HORN",510400,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF BIG HORN",484350,510400,510400]
["WY","CAMPBELL",510400,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF CAMPBELL",484350,510400,510400]
["WY","CARBON",510400,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF CARBON",484350,510400,510400]
["WY","CONVERSE",510400,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF CONVERSE",484350,510400,510400]
["WY","CROOK",510400,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF CROOK",484350,510400,510400]
["WY","FREMONT",510400,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF FREMONT",484350,510400,510400]
["WY","GOSHEN",510400,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF GOSHEN",484350,510400,510400]
["WY","HOT SPRINGS",510400,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF HOT SPRINGS",484350,510400,510400]
["WY","JOHNSON",510400,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF JOHNSON",484350,510400,510400]
["WY","LARAMIE",510400,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF LARAMIE",484350,510400,510400]
["WY","LINCOLN",510400,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF LINCOLN",484350,510400,510400]
["WY","NATRONA",510400,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF NATRONA",484350,510400,510400]
["WY","NIOBRARA",510400,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF NIOBRARA",484350,510400,510400]
["WY","PARK",510400,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF PARK",484350,510400,510400]
["WY","PLATTE",510400,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF PLATTE",484350,510400,510400]
["WY","SHERIDAN",{"$f":"+IF($E$107=FALSE,H3317,I3317)","v":510400},"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF SHERIDAN",484350,510400,510400]
["WY","SUBLETTE",510400,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF SUBLETTE",484350,510400,510400]
["WY","SWEETWATER",510400,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF SWEETWATER",484350,510400,510400]
["WY","TETON",0,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF TETON",726525,null,765600]
["WY","UINTA",510400,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF UINTA",484350,510400,510400]
["WY","WASHAKIE",510400,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF WASHAKIE",484350,510400,510400]
["WY","WESTON",510400,"Wyoming","Wyoming",null,"Wyoming  /  COUNTY OF WESTON",484350,510400,510400]
["AS","EASTERN",510400,"American Samoa","American Samoa",null,"American Samoa  /  COUNTY OF EASTERN",484350,510400,510400]
["AS","MANUA",510400,"American Samoa","American Samoa",null,"American Samoa  /  COUNTY OF MANUA",484350,510400,510400]
["AS","ROSE ISLAND",510400,"American Samoa","American Samoa",null,"American Samoa  /  COUNTY OF ROSE ISLAND",484350,510400,510400]
["AS","SWAINS ISLAND",510400,"American Samoa","American Samoa",null,"American Samoa  /  COUNTY OF SWAINS ISLAND",484350,510400,510400]
["AS","WESTERN",510400,"American Samoa","American Samoa",null,{"$f":" CONCATENATE(E3328,\"  /  COUNTY OF \",B3328)","v":"American Samoa  /  COUNTY OF WESTERN"},484350,510400,510400]
["GU","GUAM",0,"Guam","Guam",null,"Guam  /  COUNTY OF GUAM",726525,null,765600]
["MP","NORTHERN ISLAND",0,"Northern Mariana Islands","Northern Mariana Islands",null,"Northern Mariana Islands  /  COUNTY OF NORTHERN ISLAND",524400]
["MP","ROTA",0,"Northern Mariana Islands","Northern Mariana Islands",null,"Northern Mariana Islands  /  COUNTY OF ROTA",484350]
["MP","SAIPAN",0,"Northern Mariana Islands","Northern Mariana Islands",null,"Northern Mariana Islands  /  COUNTY OF SAIPAN",529000]
["MP","TINIAN",0,"Northern Mariana Islands","Northern Mariana Islands",null,"Northern Mariana Islands  /  COUNTY OF TINIAN",532450]
["PR","ADJUNTAS",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF ADJUNTAS",484350,510400,510400]
["PR","AGUADA",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF AGUADA",484350,510400,510400]
["PR","AGUADILLA",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF AGUADILLA",484350,510400,510400]
["PR","AGUAS BUENAS",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF AGUAS BUENAS",484350,510400,510400]
["PR","AIBONITO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF AIBONITO",484350,510400,510400]
["PR","ANASCO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF ANASCO",484350,510400,510400]
["PR","ARECIBO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF ARECIBO",484350,510400,510400]
["PR","ARROYO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF ARROYO",484350,510400,510400]
["PR","BARCELONETA",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF BARCELONETA",484350,510400,510400]
["PR","BARRANQUITAS",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF BARRANQUITAS",484350,510400,510400]
["PR","BAYAMON",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF BAYAMON",484350,510400,510400]
["PR","CABO ROJO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF CABO ROJO",484350,510400,510400]
["PR","CAGUAS",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF CAGUAS",484350,510400,510400]
["PR","CAMUY",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF CAMUY",484350,510400,510400]
["PR","CANOVANAS",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF CANOVANAS",484350,510400,510400]
["PR","CAROLINA",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF CAROLINA",484350,510400,510400]
["PR","CATANO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF CATANO",484350,510400,510400]
["PR","CAYEY",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF CAYEY",484350,510400,510400]
["PR","CEIBA",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF CEIBA",484350,510400,510400]
["PR","CIALES",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF CIALES",484350,510400,510400]
["PR","CIDRA",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF CIDRA",484350,510400,510400]
["PR","COAMO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF COAMO",484350,510400,510400]
["PR","COMERIO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF COMERIO",484350,510400,510400]
["PR","COROZAL",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF COROZAL",484350,510400,510400]
["PR","CULEBRA",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF CULEBRA",484350,510400,510400]
["PR","DORADO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF DORADO",484350,510400,510400]
["PR","FAJARDO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF FAJARDO",484350,510400,510400]
["PR","FLORIDA",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF FLORIDA",484350,510400,510400]
["PR","GUANICA",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF GUANICA",484350,510400,510400]
["PR","GUAYAMA",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF GUAYAMA",484350,510400,510400]
["PR","GUAYANILLA",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF GUAYANILLA",484350,510400,510400]
["PR","GUAYNABO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF GUAYNABO",484350,510400,510400]
["PR","GURABO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF GURABO",484350,510400,510400]
["PR","HATILLO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF HATILLO",484350,510400,510400]
["PR","HORMIGUEROS",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF HORMIGUEROS",484350,510400,510400]
["PR","HUMACAO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF HUMACAO",484350,510400,510400]
["PR","ISABELA",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF ISABELA",484350,510400,510400]
["PR","JAYUYA",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF JAYUYA",484350,510400,510400]
["PR","JUANA DIAZ",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF JUANA DIAZ",484350,510400,510400]
["PR","JUNCOS",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF JUNCOS",484350,510400,510400]
["PR","LAJAS",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF LAJAS",484350,510400,510400]
["PR","LARES",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF LARES",484350,510400,510400]
["PR","LAS MARIAS",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF LAS MARIAS",484350,510400,510400]
["PR","LAS PIEDRAS",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF LAS PIEDRAS",484350,510400,510400]
["PR","LOIZA",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF LOIZA",484350,510400,510400]
["PR","LUQUILLO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF LUQUILLO",484350,510400,510400]
["PR","MANATI",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF MANATI",484350,510400,510400]
["PR","MARICAO",{"$f":"+IF($E$107=FALSE,H3381,I3381)","v":510400},"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF MARICAO",484350,510400,510400]
["PR","MAUNABO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF MAUNABO",484350,510400,510400]
["PR","MAYAGUEZ",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF MAYAGUEZ",484350,510400,510400]
["PR","MOCA",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF MOCA",484350,510400,510400]
["PR","MOROVIS",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF MOROVIS",484350,510400,510400]
["PR","NAGUABO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF NAGUABO",484350,510400,510400]
["PR","NARANJITO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF NARANJITO",484350,510400,510400]
["PR","OROCOVIS",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF OROCOVIS",484350,510400,510400]
["PR","PATILLAS",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF PATILLAS",484350,510400,510400]
["PR","PENUELAS",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF PENUELAS",484350,510400,510400]
["PR","PONCE",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF PONCE",484350,510400,510400]
["PR","QUEBRADILLAS",510400,"Puerto Rico","Puerto Rico",null,{"$f":" CONCATENATE(E3392,\"  /  COUNTY OF \",B3392)","v":"Puerto Rico  /  COUNTY OF QUEBRADILLAS"},484350,510400,510400]
["PR","RINCON",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF RINCON",484350,510400,510400]
["PR","RIO GRANDE",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF RIO GRANDE",484350,510400,510400]
["PR","SABANA GRANDE",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF SABANA GRANDE",484350,510400,510400]
["PR","SALINAS",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF SALINAS",484350,510400,510400]
["PR","SAN GERMAN",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF SAN GERMAN",484350,510400,510400]
["PR","SAN JUAN",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF SAN JUAN",484350,510400,510400]
["PR","SAN LORENZO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF SAN LORENZO",484350,510400,510400]
["PR","SAN SEBASTIAN",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF SAN SEBASTIAN",484350,510400,510400]
["PR","SANTA ISABEL",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF SANTA ISABEL",484350,510400,510400]
["PR","TOA ALTA",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF TOA ALTA",484350,510400,510400]
["PR","TOA BAJA",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF TOA BAJA",484350,510400,510400]
["PR","TRUJILLO ALTO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF TRUJILLO ALTO",484350,510400,510400]
["PR","UTUADO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF UTUADO",484350,510400,510400]
["PR","VEGA ALTA",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF VEGA ALTA",484350,510400,510400]
["PR","VEGA BAJA",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF VEGA BAJA",484350,510400,510400]
["PR","VIEQUES",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF VIEQUES",484350,510400,510400]
["PR","VILLALBA",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF VILLALBA",484350,510400,510400]
["PR","YABUCOA",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF YABUCOA",484350,510400,510400]
["PR","YAUCO",510400,"Puerto Rico","Puerto Rico",null,"Puerto Rico  /  COUNTY OF YAUCO",484350,510400,510400]
["VI","ST. CROIX",0,"Virgin Islands","Virgin Islands",null,"Virgin Islands  /  COUNTY OF ST. CROIX",726525,null,765600]
["VI","ST. JOHN,VI",0,"Virgin Islands","Virgin Islands",null,"Virgin Islands  /  COUNTY OF ST. JOHN,VI",726525,null,765600]
["VI","ST. THOMAS",0,"Virgin Islands","Virgin Islands",null,"Virgin Islands  /  COUNTY OF ST. THOMAS",726525,null,765600]
[]
[]
[]
[]
["VA RECOUPMENT CALCS WORKSHEET - COSTS OF NEW LOAN"]
[]
["Borrower paid charges column 1",null,{"$f":"IF(D3491=TRUE,SUM('VA Recoupment Calcs'!X42:X61),SUM('VA Recoupment Calcs'!X42:X61))","v":0}]
["Borrower paid charges column 2",null,{"$f":"SUM('VA Recoupment Calcs'!AY42:AY61)","v":0}]
["SubTotal All Borrower Paid Charges",null,{"$f":"C3421+C3422","v":0}]
[]
[" LINE B - prepayment penalties",null,{"$f":"'VA Recoupment Calcs'!AV64","v":0}]
[" LINE C - lender credit",null,{"$f":"'VA Recoupment Calcs'!AV65","v":0}]
[" LINE D - netted escrows",null,{"$f":"'VA Recoupment Calcs'!AV66","v":0}]
[" LINE D - cost of new loan",null,{"$f":"(C3423+C3425)-(C3426)","v":0}]
[" ",null,{"$f":"(C3424+C3426)-(C3427+C3428)","v":0}]
[" LINE E - current P&I",null,{"$f":"C3463","v":""}]
[" LINE F - proposed P&I",null,{"$f":"D3463","v":""}]
[" LINE G - monthly savings",null,{"$f":"IF(OR(C3430=0,C3430=\"\",C3431=0,C3431=\"\"),0,(C3430-C3431))","v":0}]
["Funding Fee exclude",null,{"$f":"+'VA Recoupment Calcs'!X52","v":0}]
[" Line G - message",null,{"$f":"IF(C3431>C3430,\"Monthly payment increase (recoupment requirement does not apply)\",\"Monthly savings (F ─ G)\")","v":"Monthly savings (F ─ G)"}]
[]
[" LINE H - months to recoup",null,{"$f":"IF(C3432<0,\"Failed\",IF(OR(C3430=0,C3431=0,C3432=0),\"\",IF(C3431<C3430,(C3428-C3433)/C3432,IF(OR(ARMtoFixed,TermReduction,IRRRLwEEM),\"N/A\",(C3428-C3433)/C3432))))","v":""}]
[]
[" Recoupment acceptable"]
["ARM to Fixed",null,{"$f":"IF(AND(C3459=\"ARM\",D3459=\"Fixed Rate\"),TRUE,FALSE)","v":false},{"$f":"+IF(C3432<0,F3439,E3439)","v":"N/A – Recoupment requirement does not apply when refinancing from ARM to Fixed Rate."},"N/A – Recoupment requirement does not apply when refinancing from ARM to Fixed Rate.","FAIL – Loan DOES NOT satisfy requirement to recoup costs within 36 months"]
["Term Reduction",null,{"$f":"D3462<C3462","v":false},"N/A – Recoupment requirement does not apply with reduction in loan term."]
["IRRRL with EEM",null,{"$f":"C32","v":false},"N/A – Recoupment requirement does not apply on IRRRL with Energy Efficiency Improvements."]
[null,null,null,"Fail - Due to cost incurred"]
[" Recoup message",null,{"$f":"IF(OR(C3430=0,C3431=0,C3432=0),\"\",IF(AND(E3464=\"Warning 1\",C3436=\"Failed\",C3430<C3431),D3442,IF(AND(C3465=\"Warning 2\",C3436>36),\"FAIL – Loan DOES NOT satisfy requirement to recoup costs within 36 months\",IF(ARMtoFixed,D3439,IF(IRRRLwEEM,D3441,IF(OR(AND(C3436<=36,ARMtoFixed=FALSE,TermReduction=FALSE,IRRRLwEEM=FALSE),AND(C3436>=0,C3436<=36)),\"PASS – Loan DOES satisfy requirement to recoup costs within 36 months\",\"FAIL – Loan DOES NOT satisfy requirement to recoup costs within 36 months\"))))))","v":""}]
[]
["LOAN COMPARISION WORKSHEET OPTIONS"]
[]
["Loan Type",null,"Select Option"]
[null,null,"ARM"]
[null,null,"Fixed Rate"]
[null,null,null,null,null,null,"FAILED:","Interest rate must be at least .50 or lower than the current rate "]
["Loan Term",null,"Select Option",null,null,null,"Reminder for an IRRRL that results in the same or higher monthly PI payment, the Veteran "]
[null,null,180,null,null,null,"CANNOT incur any fees, closing costs or expenses (other than taxes, amounts held in escrow and"]
[null,null,240,null,null,null," funding fee). Refer to circular 26-19-22.”"]
[null,null,280,null,null,null,"FAILED:","Interest rate requirement of at least 2% lower than the current rate."]
[null,null,300,null,null,null,"Reminder for an IRRRL that results in a lower monthly PI payment, the recoupment period of"]
[null,null,360,null,null,null,"fees, closing costs and expenses (other than taxes, amounts held in escrow and funding fee) incurred by "]
[null,null,null,null,null,null,"the Veteran CANNOT exceed 36 months from the date of loan closing. Refer to circular 26-19-22."]
[null,null,"Existing Loan","Proposed Loan",null,"Warning","Discount points may only be added to the Principal Loan amount if one of the following circumstances exist:"]
[" Loan Type",null,{"$f":"'VA Recoupment Calcs'!AD12","v":"Select Option"},{"$f":"'VA Recoupment Calcs'!AQ12","v":"Select Option"},null,null,"(i) The lower rate is NOT produced solely from discount points – interest rate environment is such that some "]
[" Total Loan Amount",null,{"$f":"'VA Recoupment Calcs'!AD13","v":0},{"$f":"'VA Recoupment Calcs'!AQ13","v":0},null,null,"portion of the refinance is the result of favorable changes in the market compared to the current rate. "]
[" Interest Rate",null,{"$f":"'VA Recoupment Calcs'!AD14","v":0},{"$f":"'VA Recoupment Calcs'!AQ14","v":0},null,null,"(ii) The lower rate is produced solely from discount points (interest rate environment is such that a lower rate "]
[" Loan Term",null,{"$f":"'VA Recoupment Calcs'!AD15","v":360},{"$f":"'VA Recoupment Calcs'!AQ15","v":360},null,null,"cannot be achieved without charging discount points) and discount points are equal to or less than one "]
[" Monthly P&I",null,{"$f":"'VA Recoupment Calcs'!AD16","v":""},{"$f":"'VA Recoupment Calcs'!AQ16","v":""},null,null,"discount point included in the loan amount and the resulting loan maintains an LTV of 100% or less "]
["Warning Message Fixed",null,{"$f":"+IF(OR(AND(C3459=\"Fixed Rate\",D3459=\"Fixed Rate\",C3461>0.0001,OR((C3461-D3461)<0.005,C3463<D3463)),AND(C3459=\"Fixed Rate\",D3459=\"ARM\",(C3461-D3461)<0.02,C3461>0.0001),AND(C3463>D3463)),\"Warning\",\"No Warning\")","v":"No Warning"},{"$f":"+IF(AND(C3459=\"Fixed Rate\",D3459=\"Fixed Rate\",C3461>0.0001,(C3461-D3461)<0.005),\"Warning 1\",IF(AND(C3459=\"Fixed Rate\",D3459=\"ARM\",(C3461-D3461)<0.02,C3461>0.0001),\"Warning 2\",\"No Warning\"))","v":"No Warning"},{"$f":"+IF(C3463<D3463,\"Warning 1\",\"No Warming\")","v":"No Warming"},null,"(which includes the funding fee).  Note: appraisal valuation is required – see circular 26-19-22. "]
["Warning Message Payment",null,{"$f":"+IF(AND(C3463>0,D3463>0,C3463<>\"\",D3463<>\"\"),IF(AND(C3463<=D3463,OR(C3464=\"Warning\",D3464=\"Warning 1\")),\"Warning 1\",IF(AND(OR(C3463>D3463,C3462>D3462),C3464=\"Warning\"),\"Warning 2\",\"\")),\"\")","v":""},null,null,null,"(iii) The lower rate is produced solely from discount points (interest rate environment is such that a lower rate"]
[" ARMLoanMsg1",null,{"$f":"IF(C3459=\"ARM\",\"NOTE:  The Existing Loan P&I on ARM loan must reflect the current monthly payment amount.\",\"\")","v":""},null,null,null,"cannot be achieved without charging discount points) and discount points are more than one discount point "]
[" ARMLoanMsg2",null,{"$f":"IF(D3459=\"ARM\",\"NOTE:  The Proposed Interest Rate on ARM loan must reflect the fully indexed rate or the note rate (which ever is higher).\",\"\")","v":""},null,null,null,"is included in the loan amount and the resulting loan maintains an LTV of 90% or less (which includes the"]
[null,null,null,null,null,null,"funding fee).  Reminder: while the Veteran can pay reasonable discount points no more than 2 points can be"]
[null,null,null,null,null,null,"included in the loan amount. Note: appraisal valuation is required – see circular 26-19-22"]
["VA IRRRL WORKSHEET"]
[]
[" LINE 1"," PAYOFF",null,{"$f":"'IRRRL Worksheet'!AV17","v":0}]
[" LINE 2"," CASH PAYMENTS",null,{"$f":"'IRRRL Worksheet'!AV18","v":0}]
[" LINE 3"," TOTAL",null,{"$f":"D3472-D3473","v":0}]
[" LINE 4"," LINE 3",null,{"$f":"D3474","v":0}]
[" LINE 5"," DISCOUNT",{"$f":"'IRRRL Worksheet'!L22","v":0},{"$f":"D3475*C3476","v":0}]
[" LINE 6"," ORIGINATION",{"$f":"'IRRRL Worksheet'!L25","v":0},{"$f":"D3475*C3477","v":0}]
[" LINE 7"," FUNDING",{"$f":"+'IRRRL Worksheet'!L28","v":0},{"$f":"D3475*C3478","v":0}]
[" LINE 8"," CLOSING COSTS",null,{"$f":"+'IRRRL Worksheet'!AV31","v":0}]
[" LINE 9"," TOTAL",null,{"$f":"SUM(D3475:D3479)","v":0}]
[" LINE 10"," LINE 9",null,{"$f":"+D3480","v":0}]
[" LINE 11"," DISCOUNT",{"$f":"+'IRRRL Worksheet'!L35","v":0},{"$f":"D3481*C3482","v":0}]
[" LINE 12"," SUBTOTAL",null,{"$f":"D3481+D3482","v":0}]
[" LINE 13"," SUBTRACT LINE 5",null,{"$f":"D3476","v":0}]
[" LINE 14"," SUBTOTAL",null,{"$f":"D3483-D3484","v":0}]
[" LINE 15"," SUBTRACT LINE 7",null,{"$f":"D3478","v":0}]
[" LINE 16"," SUBTOTAL",null,{"$f":"+D3485-D3486","v":0}]
[" LINE 17"," FUNDING ",{"$f":"+'IRRRL Worksheet'!L43","v":0},{"$f":"+D3487*C3488","v":0}]
[" LINE 18"," MAX LOAN",null,{"$f":"+D3487+D3488","v":0}]
[]
["FUNDING FEE",{"$f":"IF(D3491=TRUE,\"\",\"Funding Fee is paid in cash\")","v":""},null,true]
[null,{"$f":"IF(D3491=TRUE,\"\",\"and not financed\")","v":""}]
[null,{"$f":"IF(D3491=TRUE,\"\",\"Funding Fee is paid in cash and\")","v":""}]
["VA Cash-Out Refinance Net Tabgible Benefit Disclosure and Certification"]
[null,"VA RECOUPMENT CALCS WORKSHEET - COSTS OF NEW LOAN"]
["Borrower paid charges column 1",null,{"$f":"IF(D3491=TRUE,SUM('Loan Comparison 2.15.19'!X91:AC110),SUM('Loan Comparison 2.15.19'!AY91:BD110))","v":0}]
["Borrower paid charges column 2",null,{"$f":"SUM('Loan Comparison 2.15.19'!AY91:BD110)","v":0}]
["SubTotal All Borrower Paid Charges",null,{"$f":"C3496+C3497","v":0}]
[]
[" LINE B - prepayment penalties",null,{"$f":"'Loan Comparison 2.15.19'!AV113","v":0}]
[" LINE C - lender credit",null,{"$f":"'Loan Comparison 2.15.19'!AV114","v":0}]
[" LINE D - netted escrows",null,{"$f":"'Loan Comparison 2.15.19'!AV115","v":0}]
[" LINE D - cost of new loan",null,{"$f":"(C3498+C3500)-(C3501+C3502)","v":0}]
[null,null,null,null,null,{"$f":"+'Loan Comparison 2.15.19'!BI63","v":0}]
[" LINE E - current P&I",null,{"$f":"IF(OR('Loan Comparison 2.15.19'!AD49=\"\",'Loan Comparison 2.15.19'!AD50=\"\",'Loan Comparison 2.15.19'!AD47=\"\"),\"\",ABS(PMT('Loan Comparison 2.15.19'!AD49/12,'Loan Comparison 2.15.19'!AD50,'Loan Comparison 2.15.19'!AD47)))","v":""}]
[" LINE F - proposed P&I",null,{"$f":"IF(OR('Loan Comparison 2.15.19'!AQ49=\"\",'Loan Comparison 2.15.19'!AQ50=\"\",'Loan Comparison 2.15.19'!AQ47=\"\"),\"\",ABS(PMT('Loan Comparison 2.15.19'!AQ49/12,'Loan Comparison 2.15.19'!AQ50,'Loan Comparison 2.15.19'!AQ47)))","v":""}]
[" LINE G - monthly savings",null,{"$f":"IF(OR(C3505=0,C3505=\"\",C3506=0,C3506=\"\"),0,IF(TermReduction2,\"N/A\",ABS(C3505-C3506)))","v":0}]
["Funding Fee Exclude",null,{"$f":"+'Loan Comparison 2.15.19'!X101","v":0},{"$f":"+(C3506-C3505)*-1","v":{"$error":"#VALUE!"}}]
[" Line G - message",null,{"$f":"IF(C3506>C3505,\"Monthly payment increase (recoupment requirement does not apply)\",\"Monthly savings (F ─ G)\")","v":"Monthly savings (F ─ G)"}]
[]
[" LINE H - months to recoup",null,{"$f":"IF(OR(C3505=0,C3506=0,C3507=0),\"\",IF(OR(ARMtoFixed,TermReduction,IRRRLwEEM),\"N/A\",(C3503-C3508)/C3507))","v":""}]
[]
[" Recoupment acceptable"]
["ARM to Fixed",null,{"$f":"IF(AND(C3534=\"ARM\",D3534=\"Fixed Rate\"),TRUE,FALSE)","v":false},"N/A – Recoupment requirement does not apply when refinancing from ARM to Fixed Rate."]
["Term Reduction",null,{"$f":"D3537<C3537","v":false},"N/A – Recoupment requirement does not apply with reduction in loan term."]
["IRRRL with EEM",null,{"$f":"C32","v":false},"N/A – Recoupment requirement does not apply on IRRRL with Energy Efficiency Improvements."]
[]
[" Recoup message",null,{"$f":"IF(OR(C3505=0,C3506=0,C3507=0),\"\",IF(ARMtoFixed,D3514,IF(TermReduction,D3515,IF(IRRRLwEEM,D3516,IF(AND(C3511<=36,ARMtoFixed=FALSE,TermReduction=FALSE,IRRRLwEEM=FALSE),\"PASS – Loan DOES satisfy requirement to recoup costs within 36 months\",\"FAIL – Loan DOES NOT satisfy requirement to recoup costs within 36 months\")))))","v":""}]
[null,null,"–"]
[]
[]
["Loan Type",null,"Select Option"]
[null,null,"ARM"]
[null,null,"Fixed Rate"]
[]
["Loan Term",null,"Select Option"]
[null,null,180]
[null,null,240]
[null,null,280]
[null,null,300]
[null,null,360]
[]
[null,null,"Existing Loan","Proposed Loan"]
[" Loan Type",null,{"$f":"'Loan Comparison 2.15.19'!AD48","v":"Select Option"},{"$f":"'Loan Comparison 2.15.19'!AQ48","v":"Select Option"}]
[" Total Loan Amount",null,{"$f":"'Loan Comparison 2.15.19'!AD47","v":0},{"$f":"+'Loan Comparison 2.15.19'!AQ47","v":0}]
[" Interest Rate",null,{"$f":"'Loan Comparison 2.15.19'!AD49","v":0},{"$f":"+'Loan Comparison 2.15.19'!AQ49","v":0}]
[" Loan Term",null,{"$f":"+'Loan Comparison 2.15.19'!AD50","v":0},{"$f":"+'Loan Comparison 2.15.19'!AQ50","v":0}]
[" Monthly P&I",null,{"$f":"IF(OR('Loan Comparison 2.15.19'!AD49=\"\",'Loan Comparison 2.15.19'!AD50=\"\",'Loan Comparison 2.15.19'!AD47=\"\"),\"\",ABS(PMT('Loan Comparison 2.15.19'!AD49/12,'Loan Comparison 2.15.19'!AD50,'Loan Comparison 2.15.19'!AD47)))","v":""},{"$f":"IF(OR('Loan Comparison 2.15.19'!AQ49=\"\",'Loan Comparison 2.15.19'!AQ50=\"\",'Loan Comparison 2.15.19'!AQ47=\"\"),\"\",ABS(PMT('Loan Comparison 2.15.19'!AQ49/12,'Loan Comparison 2.15.19'!AQ50,'Loan Comparison 2.15.19'!AQ47)))","v":""}]
[]
[]
[" ARMLoanMsg1",null,{"$f":"IF(C3534=\"ARM\",\"NOTE:  The Existing Loan P&I on ARM loan must reflect the current monthly payment amount.\",\"\")","v":""}]
[" ARMLoanMsg2",null,{"$f":"IF(D3534=\"ARM\",\"NOTE:  The Proposed Interest Rate on ARM loan must reflect the fully indexed rate or the note rate (which ever is higher).\",\"\")","v":""}]
[]
[]
[]
[]
[null,"Calculate","Default"]
["Benefit(s) Obtain",{"$f":"+IF(AND('Loan Comparison 2.15.19'!$AD$56>0.8,'Loan Comparison 2.15.19'!$AQ$56<=0.8),\"TRUE\",\"FALSE\")","v":"FALSE"},false,"Your new loan eliminates monthly mortgage insurance (public or private) or monthly guaranty insurance."]
[null,{"$f":"+IF('Loan Comparison 2.15.19'!AQ50<'Loan Comparison 2.15.19'!AD50,\"TRUE\",\"FALSE\")","v":"FALSE"},false,"The term of your new loan is shorter than the term of your old loan."]
[null,{"$f":"+IF('Loan Comparison 2.15.19'!AQ49<'Loan Comparison 2.15.19'!AD49,\"TRUE\",\"FALSE\")","v":"FALSE"},false,"The interest rate on your new loan is lower than the interest rate on your old loan."]
[null,{"$f":"+IF('Loan Comparison 2.15.19'!$AQ$52<'Loan Comparison 2.15.19'!$AD$52,\"TRUE\",\"FALSE\")","v":"FALSE"},false,"The payment on your new loan is lower than the payment on your old loan."]
[null,{"$f":"+IF('Loan Comparison 2.15.19'!$AQ$52<'Loan Comparison 2.15.19'!$AD$52,\"TRUE\",\"FALSE\")","v":"FALSE"},false,"Your new loan results in an increase in your monthly residual income (see 38 C.F.R. § 36.4340[e] for details)."]
[null,false,false,"Your new loan refinances an interim loan to construct, alter, or repair your primary home."]
[null,{"$f":"+IF('Loan Comparison 2.15.19'!$AQ$56<=0.9,\"TRUE\",\"FALSE\")","v":"FALSE"},false,"The amount of your new loan is equal to or less than 90% of the reasonable value of your home."]
[null,{"$f":"+IF(AND('Loan Comparison 2.15.19'!AQ48=\"FIXED RATE\",'Loan Comparison 2.15.19'!AD47=\"ARM\"), \"TRUE\",\"FALSE\")","v":"FALSE"},false,"Your new loan has a fixed interest rate and refinances an adjustable rate mortgage."]
[]
["Count Used for Recoupment Display",null,{"$f":"+COUNTIFS(C3548:C3555,\"TRUE\")","v":0}]

{"sheet":"VA Loan Calcs","index":14,"n_rows":49,"n_cols":49,"rows_kept":49,"cut":false,"hidden":true,"merged":[[2,2,2,55],[3,2,3,10],[3,11,3,33],[3,34,3,36],[3,37,3,44],[3,45,3,55],[4,2,4,55],[5,2,5,55],[6,2,6,10],[6,48,6,55],[6,45,6,47],[6,11,6,44],[7,2,7,55],[8,2,8,55],[9,2,9,41],[9,42,9,55],[10,2,10,41],[10,42,10,55],[18,2,18,55],[11,2,11,41],[11,42,11,55],[12,2,12,41],[12,42,12,55],[13,2,13,55],[14,2,14,55],[15,2,15,46],[15,47,15,55],[16,2,16,46],[16,47,16,55],[17,2,17,55],[26,2,26,46],[26,47,26,55],[19,2,19,46],[19,47,19,55],[20,2,20,46],[20,47,20,55],[21,2,21,46],[21,47,21,55],[22,2,22,55],[23,2,23,55],[24,2,24,55],[25,2,25,46],[25,47,25,55],[27,2,27,46],[27,47,27,55],[28,2,28,46],[28,47,28,55],[29,2,29,46],[29,47,29,55],[33,2,33,46],[33,47,33,55],[34,2,34,5],[34,6,34,11],[34,13,34,21],[34,22,34,27],[34,29,34,37],[34,38,34,43],[34,44,34,46],[34,47,34,55],[30,2,30,46],[30,47,30,55],[31,2,31,46],[31,47,31,55],[32,2,32,46],[32,47,32,55],[38,2,38,46],[35,2,35,46],[35,47,35,55],[36,2,36,55],[37,2,37,55],[40,2,40,46],[40,47,40,55],[41,2,41,46],[41,47,41,55],[39,2,39,46],[39,47,39,55],[42,2,42,46],[42,47,42,55],[49,1,49,54],[50,1,50,54],[51,1,51,54],[52,1,52,54],[43,2,43,55],[44,1,44,53],[45,2,45,55],[46,2,46,55],[47,2,47,55],[48,2,48,55]]}
[]
[null,null,null,null,null,null,"Is Full Entitlement Available?"]
[null,null,{"$f":"+Data_VA!F107","v":"VA Maximum Loan Amounts Calculation Worksheet\n(effective for loans closing after 01/01/2020)"}]
[null,null,"Veteran's Name",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,null,null,null,null,null,null,"Loan Number",null,null,null,null,null,null,null,""]
[]
[]
[null,null,"County / Limit",null,null,null,null,null,null,null,null,"* ANY STATE  /  ANY COUNTY WITH STANDARD COUNTY LIMIT",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,null,null,null,null,null,"/",null,null,510400]
[null,null,"Note: For purposes of determining the VA guaranty for loans involving Veterans with partial entitlement, lenders are instructed \nto reference only the One-Unit loan limit column. While a Veteran may use the VA program to acquire a property up to 4 units, \nVA maximum guaranty is based on the One-Unit loan limit so additional down payment would be required.  "]
[]
[null,null,"Loan Purpose  (Purchase or Cash Out Refinance)",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,null,null,null,null,null,null,null,null,null,null,null,"Purchase"]
[null,null,"Veteran's current use of entitlement  (First Time Use or Subsequent Use)",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,null,null,null,null,null,null,null,null,null,null,null,"First Time Use"]
[null,null,"Veteran's Military Service  (Regular Military or Reservist/National Guard)",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,null,null,null,null,null,null,null,null,null,null,null,"Regular Military"]
[null,null,"Funding Fee Status  (Funding Fee Due or Exempt from Funding Fee)",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,null,null,null,null,null,null,null,null,null,null,null,"Funding Fee Due"]
[]
[]
[null,null,"Sales Price  (leave blank on refinance transaction)"]
[null,null,"Appraised Value"]
[]
[]
[null,null,"Maximum entitlement allowed based on County Limit",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Data_VA!C110=TRUE,\"Full Entitlement\",ENTITLEMAX)","v":0}]
[null,null,"Previous entitlement used (if refinance & used on subject property enter zero)"]
[null,null,"Available Entitlement ",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Data_VA!C110=TRUE,\"Full Entitlement\",ENTITLEREM)","v":0}]
[]
[]
[null,null,{"$f":"LOANTYPE","v":"LOAN IS A VA REGULAR PURCHASE"}]
[null,null,{"$f":"MSGCALCS1","v":"Lower of Sales Price or Appraised Value"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"PRICEVALUE","v":0}]
[null,null,{"$f":"MSGCALCS5","v":"Total Down payment required"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"INVESTMIN","v":0}]
[null,null,{"$f":"Data_VA!C8","v":"Additional Borrower Contributions"}]
[null,null,{"$f":"IF(INVESTADDL>0,\"Total combined Available Entitlement plus Add'l Borrower Contributions to be used\",\"Available Entitlement to be used on this transaction\")","v":"Available Entitlement to be used on this transaction"},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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"ENTITLETRUE","v":0}]
[null,null,"Sub-Total",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"PREBASEAMT","v":0}]
[null,null,"Less Total Subordinated Liens"]
[null,null,"Sub-Total"]
[null,null,{"$f":"[2]Data_VA!C108","v":" Energy Efficient Improvements (maximum allowed is $6,000)"}]
[null,null,{"$f":"MSGCALCS1A","v":"Loan Amount (pre Funding Fee)"},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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BASELOAN","v":0}]
[null,null,"LTV =",null,null,null,{"$f":"+Data_VA!B101","v":""},null,null,null,null,null,null,{"$f":"MSGCALCS6","v":"Down Payment ="},null,null,null,null,null,null,null,null,{"$f":"EQUITYFCTR","v":0},null,null,null,null,null,null,"Funding Fee =",null,null,null,null,null,null,null,null,{"$f":"IF(Data_VA!E107=TRUE,Data_VA!E160,IF(Data_VA!C110=TRUE,FUNDINGFCTR2,FUNDINGFCTR))","v":2.3E-2},null,null,null,null,null,null,null,null,{"$f":"FUNDINGAMT","v":0}]
[null,null,"Loan Amount (including Funding Fee)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"TOTALLOAN","v":0}]
[null,null,{"$f":"+IF(AQ10=\"Refinance\",Data_VA!C107,\"\")","v":""}]
[]
[null,null,"VA Loan Guaranty"]
[null,null,"Available Entitlement to be used on this transaction",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTYLMT2=\"Full Entitlement\",\"Full Entitlement\",GUARANTYENTITLE)","v":0}]
[null,null,"Total Down Payment and Additional Borrower Contributions",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"GUARANTYINVEST","v":0}]
[null,null,"Grand Total Available Entitlement, Down Payment and Additional Contributions",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(COUNTYLMT2=\"Full Entitlement\",\"Full Entitlement\",GUARANTYTOTAL)","v":0}]
[null,null,{"$f":"[2]Data_VA!C109","v":"Actual Guaranty"},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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"GUARANTYACTUAL","v":0}]
[]
[]
[null,null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility"]
[null,null,"for the accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet."]
[null,null,"It is the responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any"]
[null,null,"documentation used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"IRRRL Worksheet","index":15,"n_rows":56,"n_cols":48,"rows_kept":56,"cut":false,"hidden":true,"merged":[[10,2,10,20],[10,21,11,55],[11,2,11,20],[1,1,2,40],[1,41,1,55],[2,41,2,55],[3,1,3,55],[4,1,4,55],[5,2,5,54],[6,2,9,54],[16,1,16,6],[16,7,16,44],[16,45,16,46],[16,47,16,55],[17,1,17,6],[17,7,17,44],[17,45,17,46],[17,47,17,55],[12,1,13,40],[12,41,12,55],[13,41,13,55],[14,1,14,55],[15,1,15,6],[15,7,15,44],[15,45,15,55],[18,1,18,6],[18,7,18,44],[18,45,18,46],[18,47,18,55],[19,1,19,55],[20,1,20,6],[20,7,20,44],[20,45,20,46],[20,47,20,55],[24,1,26,6],[24,7,26,10],[24,11,25,16],[24,17,26,44],[24,45,26,46],[24,47,26,55],[26,11,26,16],[21,1,23,6],[21,7,23,10],[21,11,22,16],[21,17,23,44],[21,45,23,46],[21,47,23,55],[23,11,23,16],[30,1,30,6],[30,7,30,44],[30,45,30,46],[30,47,30,55],[31,1,31,6],[31,7,31,44],[31,45,31,46],[31,47,31,55],[27,1,29,6],[27,7,29,10],[27,11,28,16],[27,17,29,44],[27,45,29,46],[27,47,29,55],[29,11,29,16],[34,47,36,55],[36,11,36,16],[37,1,37,6],[37,7,37,44],[37,45,37,46],[37,47,37,55],[32,1,32,55],[33,1,33,6],[33,7,33,44],[33,45,33,46],[33,47,33,55],[34,1,36,6],[34,7,36,10],[34,11,35,16],[34,17,36,44],[34,45,36,46],[40,1,40,6],[40,7,40,44],[40,45,40,46],[40,47,40,55],[41,1,41,6],[41,7,41,44],[41,45,41,46],[41,47,41,55],[38,1,38,6],[38,7,38,44],[38,45,38,46],[38,47,38,55],[39,1,39,6],[39,7,39,44],[39,45,39,46],[39,47,39,55],[42,47,45,55],[44,36,45,44],[45,11,45,16],[46,1,49,6],[46,7,49,32],[46,33,47,44],[46,45,49,46],[46,47,49,55],[48,33,49,44],[42,1,45,6],[42,7,45,10],[42,11,44,16],[42,17,45,35],[42,36,43,44],[42,45,45,46],[54,1,54,6],[54,7,55,13],[54,14,55,18],[54,19,54,55],[55,1,55,6],[55,19,55,55],[50,1,50,55],[51,1,51,55],[52,1,52,10],[52,11,52,31],[52,32,52,55],[53,1,53,10],[53,11,53,31],[53,32,53,55]]}
[]
[null,{"$f":"CONCATENATE('VA Recoupment Calcs'!L4,\" - \",'VA Recoupment Calcs'!AT4)","v":" - "},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,null,null,null,null,null,null,null,null,null,null,null,"OMB Control No. 2900-0386"]
[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,null,null,null,null,null,null,null,null,null,null,null,null,null,"Respondent Burden: 10 minutes"]
[]
[null,"INTEREST RATE REDUCTION REFINANCING LOAN WORKSHEET"]
[]
[null,null,"PRIVACY ACT NOTICE: VA will not disclose information collected on this form to any source other than what has been authorized under the Privacy Act of 1974 or Title 38, \nCode of Federal Regulations 1.576 for routine uses (i.e., to a member of Congress inquiring on behalf of a veteran) as identified in the VA system of records, 55VA26, Loan \nGuaranty Home, Condominium and Manufactured Home Loan Applicant Records, Specially Adapted Housing Applicant Records, and Vendee Loan Applicant Records - VA, \nand published in the Federal Register. Your obligation to respond is voluntary; however, failure to complete the form could result in your making a loan in excess of the \nallowable amount.\n\nRESPONDENT BURDEN: This information is needed to help you determine the appropriate amount of the VA-guaranteed loan you intend to process. Title 38, United States \nCode, allows us to ask for this information. We estimate that you will need an average of 10 minutes to review the instructions, find the information, and complete this form. \nVA cannot conduct or sponsor a collection of information unless a valid OMB control number is displayed. You are not required to respond to a collection of information if this \nnumber is not displayed. Valid OMB control numbers can be located on the OMB Internet Page\nwww.reginfo.gov/public/do/PRAMain\n. If desired, you can call 1-800-827-1000 to get information on where to send comments or suggestions about this form."]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CONCATENATE('VA Recoupment Calcs'!L4,\" - \",'VA Recoupment Calcs'!AT4)","v":" - "}]
[]
[null,"NOTE - Submit this form when requesting guaranty on an Interest Rate Reduction Refinancing Loan.",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,null,null,null,null,null,null,null,null,null,null,null,"VA LOAN NUMBER"]
[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,null,null,null,null,null,null,null,null,null,null,null,null,null,"00-00-0-0000000"]
[null,"SECTION I - INITIAL COMPUTATION"]
[null,"LINE NO.",null,null,null,null,null,"ITEM",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,null,null,null,null,null,null,null,null,null,"AMOUNT"]
[null,1,null,null,null,null,null," EXISTING VA LOAN BALANCE (PLUS COST OF ENERGY EFFICIENT\n IMPROVEMENTS)",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,null,null,null,null,null,null,null,null,null,"$",null,0]
[null,2,null,null,null,null,null," SUBTRACT ANY CASH PAYMENT FROM VETERANS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"–",null,0]
[null,3,null,null,null,null,null," TOTAL",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"$",null,{"$f":"Data_VA!D3474","v":0}]
[null,"SECTION II - PRELIMINARY LOAN AMOUNT"]
[null,4,null,null,null,null,null," ENTER TOTAL FROM LINE 3",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"$",null,{"$f":"Data_VA!D3475","v":0}]
[null,5,null,null,null,null,null," ADD",null,null,null,0,null,null,null,null,null,"DISCOUNT BASED ON LINE 4",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"+",null,{"$f":"Data_VA!D3476","v":0}]
[]
[]
[null,6,null,null,null,null,null," ADD",null,null,null,0,null,null,null,null,null,"ORIGINATION FEE BASED ON LINE 4",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,{"$f":"Data_VA!D3477","v":0}]
[]
[]
[null,7,null,null,null,null,null," ADD",null,null,null,0,null,null,null,null,null,"FUNDING FEE BASED ON LINE 4",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"+",null,{"$f":"Data_VA!D3478","v":0}]
[]
[]
[null,8,null,null,null,null,null," ADD OTHER ALLOWABLE CLOSING COSTS AND PREPAIDS",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,null,null,null,null,null,null,null,null,null,"+",null,0]
[null,9,null,null,null,null,null," TOTAL",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,null,null,null,null,null,null,null,null,null,"$",null,{"$f":"Data_VA!D3480","v":0}]
[null,"SECTION III- FINAL COMPUTATION"]
[null,10,null,null,null,null,null," ENTER TOTAL FROM LINE 9",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,null,null,null,null,null,null,null,null,null,"$",null,{"$f":"Data_VA!D3481","v":0}]
[null,11,null,null,null,null,null," ADD",null,null,null,0,null,null,null,null,null,"DISCOUNT BASED ON LINE 10",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,{"$f":"Data_VA!D3482","v":0}]
[]
[]
[null,12,null,null,null,null,null," SUBTOTAL",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=",null,{"$f":"Data_VA!D3483","v":0}]
[null,13,null,null,null,null,null," SUBTRACT AMOUNT SHOWN ON LINE 5",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,null,null,null,null,null,null,null,null,null,"–",null,{"$f":"Data_VA!D3484","v":0}]
[null,14,null,null,null,null,null," SUBTOTAL",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=",null,{"$f":"Data_VA!D3485","v":0}]
[null,15,null,null,null,null,null," SUBTRACT AMOUNT SHOWN ON LINE 7",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,null,null,null,null,null,null,null,null,null,"–",null,{"$f":"Data_VA!D3486","v":0}]
[null,16,null,null,null,null,null," SUBTOTAL",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"=",null,{"$f":"Data_VA!D3487","v":0}]
[null,17,null,null,null,null,null," ADD",null,null,null,0,null,null,null,null,null,"FUNDING FEE BASED ON LINE 16",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_VA!B3491","v":""},null,null,null,null,null,null,null,null,"+",null,{"$f":"Data_VA!D3488","v":0}]
[]
[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,null,null,null,null,null,null,null,null,{"$f":"Data_VA!B3492","v":""}]
[]
[null,18,null,null,null,null,null," TOTAL - MAXIMUM LOAN AMOUNT",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_VA!B3493","v":""},null,null,null,null,null,null,null,null,null,null,null,"$",null,{"$f":"Data_VA!D3489","v":0}]
[]
[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,null,null,null,null,null,{"$f":"Data_VA!B3494","v":0}]
[]
[null,"NOTE:  * MAXIMUM LOAN AMOUNT MAY BE ROUNDED OFF, BUT MUST ALWAYS BE ROUNDED DOWN TO AVOID CASH TO THE "]
[null,"VETERAN. ROUND-OFF AMOUNTS OF LESS THAN $50 DO NOT REQUIRE RECOMPUTATION."]
[null,"DATE",null,null,null,null,null,null,null,null,null,"NAME OF LENDER",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"SIGNATURE AND TITLE OF OFFICER OF LENDER"]
[null,{"$f":"TODAY()","v":"2020-09-25"}]
[null,"VA FORM",null,null,null,null,null,"26-8923",null,null,null,null,null,null,null,null,null,null,null,"EXISTING STOCKS OF VA FORM 26-8923, JUN 2009,"]
[null,"SEP 2018",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"WILL BE USED."]

{"sheet":"Loan Comparison","index":16,"n_rows":52,"n_cols":48,"rows_kept":52,"cut":false,"hidden":true,"merged":[[6,1,6,27],[6,28,6,40],[6,41,6,53],[7,1,7,27],[7,28,7,40],[7,41,7,53],[2,1,2,53],[3,1,3,53],[4,1,4,53],[5,1,5,27],[5,28,5,40],[5,41,5,53],[10,1,10,27],[10,28,10,40],[10,41,10,53],[11,1,11,27],[11,28,11,40],[11,41,11,53],[8,1,8,27],[8,28,8,40],[8,41,8,53],[9,1,9,27],[9,28,9,40],[9,41,9,53],[16,1,16,3],[16,4,16,53],[17,1,17,3],[17,4,17,53],[18,1,18,3],[18,4,18,53],[12,1,12,27],[12,28,12,40],[12,41,12,53],[13,1,13,53],[14,1,14,53],[15,1,15,3],[15,4,15,53],[22,1,22,25],[22,26,22,28],[22,29,22,53],[23,1,23,18],[23,19,23,24],[23,26,23,28],[23,29,23,46],[23,47,23,52],[19,1,19,53],[20,1,20,25],[20,26,20,28],[20,29,20,53],[21,1,21,25],[21,26,21,28],[21,29,21,53],[26,1,26,25],[26,26,26,28],[26,29,26,53],[27,1,27,53],[28,1,28,53],[29,1,29,53],[24,1,24,18],[24,19,24,24],[24,26,24,28],[24,29,24,46],[24,47,24,52],[25,1,25,25],[25,26,25,28],[25,29,25,46],[25,47,25,52],[33,1,33,53],[34,1,34,53],[35,1,35,53],[37,1,37,53],[39,1,39,53],[40,1,40,32],[40,33,40,37],[40,38,40,53],[31,1,31,9],[31,10,31,32],[31,33,31,43],[31,44,31,53],[32,1,32,9],[32,10,32,32],[32,33,32,43],[32,44,32,53],[43,1,43,32],[43,33,43,37],[43,38,43,53],[44,1,44,53],[45,1,45,53],[46,1,46,53],[41,1,41,32],[41,33,41,37],[41,38,41,53],[42,1,42,32],[42,33,42,37],[42,38,42,53],[51,2,51,29],[51,30,51,33],[51,34,51,52],[47,1,47,53],[48,1,48,53],[49,1,49,53],[50,2,50,29],[50,30,50,33],[50,34,50,52]]}
[]
[]
[null,"VA INTEREST RATE REDUCTION REFINANCE LOAN COMPARISON"]
[null,"VETERAN'S CERTIFICATION"]
[]
[null,"LOAN INFORMATION",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,"EXISTING LOAN",null,null,null,null,null,null,null,null,null,null,null,null,"PROPOSED LOAN"]
[null," VA LOAN NUMBER",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,{"$f":"'VA Recoupment Calcs'!AD10","v":0},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'VA Recoupment Calcs'!AQ10","v":0}]
[null," DATE OF ORIGINATION",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,{"$f":"'VA Recoupment Calcs'!AD11","v":"00:00:00"},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'VA Recoupment Calcs'!AQ11","v":"00:00:00"}]
[null," LOAN TYPE",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,{"$f":"'VA Recoupment Calcs'!AD12","v":"Select Option"},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'VA Recoupment Calcs'!AQ12","v":"Select Option"}]
[null," TOTAL LOAN AMOUNT",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,{"$f":"'VA Recoupment Calcs'!AD13","v":0},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'VA Recoupment Calcs'!AQ13","v":0}]
[null," INTEREST 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,{"$f":"'VA Recoupment Calcs'!AD14","v":0},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'VA Recoupment Calcs'!AQ14","v":0}]
[null," LOAN TERM (MONTHS)",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,{"$f":"'VA Recoupment Calcs'!AD15","v":360},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'VA Recoupment Calcs'!AQ15","v":360}]
[null," MONTHLY PRINCIPAL & INTEREST PAYMENT",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,{"$f":"'VA Recoupment Calcs'!AD16","v":""},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'VA Recoupment Calcs'!AQ16","v":""}]
[]
[null,"Occupancy (Please check one):"]
[null,null,null,null,"I/We currently occupy the property securing the loan, as my/our home."]
[null,null,null,null,"I/We have previously occupied the property securing the loan as my/our home."]
[null,null,null,null,"While my spouse was on active duty and unable to occupy the property securing the loan, I"]
[null,null,null,null,"occupied the property as my home."]
[]
[]
[null,"I understand that since I am refinancing my\nloan, my interest will change as follows:",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,"I realize that my total monthly payments\n(PITI) will change as follows:"]
[]
[null,"Present interest rate:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AC11","v":0},null,null,null,null,null,null,null,null,null,"Present monthly amount:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AC13","v":""}]
[null,"Proposed/New interest rate:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AP11","v":0},null,null,null,null,null,null,null,null,null,"Proposed/New monthly amount:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AP13","v":""}]
[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,null,{"$f":"IF(AV24>AV25,\"Monthly Savings:\",\"Monthly Increase:\")","v":"Monthly Increase:"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(AV24=0,AV24=\"\",AV25=0,AV25=\"\"),0,IF(TermReduction,\"N/A\",ABS(AV25-AV24)))","v":0}]
[]
[]
[]
[null,"I acknowledge the total amount of closing costs and the time it will take me to recoup all closing\ncosts (both those included in the loan and those paid outside of closing) are as follows:"]
[]
[null,null,null,null,null,null,null,null,null,null,"Total all closing costs:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('VA Recoupment Calcs'!AV67-'VA Recoupment Calcs'!X52=0,0,'VA Recoupment Calcs'!AV67-'VA Recoupment Calcs'!X52)","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Time it will take to recoup all closing costs:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('VA Recoupment Calcs'!AV67=0,0,IF(TermReduction,\"N/A\",IF(AH32=\"\",\"\",CONCATENATE(ROUNDUP((AH32/ABS(AV26)),0),\" months\"))))","v":0}]
[]
[]
[null,"I/We understand the changes in the interest rate, mortgage amount, and monthly payment. I/We understand the time involved to recoup the closing costs paid in this transaction. I/We are also aware that I/we may not obtain any cash proceeeds from this loan in excess of $500, and that any funds in excess of $500 will be applied as a principal reduction to my loan balance."]
[]
[null,"I/We fully understand the obligation I/we are undertaking.  The purpose of this refinance is to reduce my/our interest rate.  The total monthly payment will include impounds for taxes and insurace."]
[]
[null,"The undersigned certifies to the accuracy of the above statements:"]
[]
[null,"VETERAN",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,null,null,null,null,null,null,null,null,"DATE"]
[]
[null,"SPOUSE",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,null,null,null,null,null,null,null,null,"DATE"]
[]
[null,"Underwriters Certification:"]
[null,"The undersigned certifies that in the case of the Veteran's total payment increasing by 20% or more (if"]
[null,"applicable) the VA Automatic Lender has determined that the Veteran qualifies for the higher payment."]
[null,"This is to certify that the loan has been made pursuant to the underwriting standards specified by"]
[null,"Department of Veteran Affairs."]
[]
[null,null,"VA Automatic Lender Underwriter",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,null,null,null,"Date"]

{"sheet":"VA Verification of Funds","index":17,"n_rows":14,"n_cols":2,"rows_kept":14,"cut":false,"hidden":true,"merged":[[7,1,7,2],[1,1,2,3],[3,1,3,2],[4,1,4,2],[5,1,5,2],[6,1,6,2],[9,1,10,3],[12,1,12,3],[13,1,13,3],[14,1,14,3],[15,1,15,3]]}
[]
[null,"VA Verification of Funds"]
[]
[null,"Loan Number"]
[null,"Closing Costs"]
[null,"Sales Price"]
[null,"Base Loan Amount"]
[null,"Value"]
[]
[null,{"$f":"IF(OR(D4=0,D5=0,D6=0,D7=0,D8=0),\"\",IF((D5+(ABS(D6-D7)))<(0.04*MIN(D6,D8)),\"Verification Not Needed\",\"Verify Funds\"))","v":""}]
[]
[]
[null,"Below is AUS message feedback and this applies only to purchase transactions that have AUS approval where the condition is referenced.\n\nVerification of veteran's source of funds is not required if closing costs plus difference between sales price of the property and the base loan amount is < 4 percent of the lesser of the following: 1) Sales Price 2) Reasonable value established by a Notice of Value (NOV)."]
[null,"All VA manually underwritten loans must follow standard VA documentation requirements."]

{"sheet":"FHA Refi Seasoning Requirement","index":18,"n_rows":16,"n_cols":4,"rows_kept":16,"cut":false,"hidden":true,"merged":[[12,1,12,3],[13,1,13,3],[14,1,14,3],[15,1,15,3],[1,1,2,3],[3,1,3,2],[4,1,4,2],[8,1,9,2],[8,3,9,3],[5,1,5,2],[6,1,6,2],[10,1,11,2],[10,3,11,3]]}
[]
[null,"FHA Streamline Seasoning Requirement"]
[]
[null,"Loan Number"]
[null,"First Payment Date on Existing Loan"]
[null,"Note Date on Existing Loan"]
[null,"Case Assignment Date on New Loan"]
[]
[null,"Earliest Allowable First Payment Date",null,{"$f":"IF(AND(D4>0,D5>0,D6>0,D7>0), EOMONTH(EDATE(MAX(MAX(D5)+210), 1),-1)+1,\"Enter all Information\")","v":"Enter all Information"}]
[]
[null,"Earliest Allowable Case Assignment date for new loan",null,{"$f":"IF(AND(D4>0,D5>0,D6>0,D7>0),IF(D7<MAX(D6+211,EDATE(D5,6)),\"Failed - \" &TEXT(MAX(D6+211,EDATE(D5,6)),\"mm/dd/yyyy\"),MAX(D6+211,EDATE(D5,6))),\"Enter all Information\")","v":"Enter all Information"}]
[]
[null,"Under Stearns guidelines, a FHA streamline is only eligible for funding if it meets the following condition: \n\nOn the date of the FHA case number assignment:"]
[null,"a) The borrower must have made at least 6 payments on the FHA loan being refinanced and\nb) At least 6 full months have passed since the 1st payment due date of the FHA loan being refinanced and\nc) At least 210 days must have passed from the Note date of the FHA loan being refinanced."]
[null,"The first payment date on the new loan must be on or after the later of the following:"]
[null,"a) The date that is 210 days after the 1st payment date on the FHA loan being refinanced and\nb) The date on which 6 full monthly payments have been made on the FHA loan being refinanced."]

{"sheet":"FHA Cash Out Seasoning Req","index":19,"n_rows":11,"n_cols":4,"rows_kept":11,"cut":false,"hidden":true,"merged":[[8,1,8,3],[9,1,9,3],[10,1,10,3],[1,1,2,3],[3,1,3,2],[4,1,4,2],[6,1,7,2],[6,3,7,3]]}
[]
[null,"FHA Cash Out Seasoning Requirement"]
[]
[null,"Loan Number"]
[null,"First Payment Date on Existing Loan"]
[]
[null,"Earliest Allowable First Payment Date",null,{"$f":"IF(AND(D4>0,D5>0), EOMONTH(EDATE(MAX(MAX(D5)+240), 1),-1)+1,\"Enter all Information\")","v":"Enter all Information"}]
[]
[null,"Under Stearns guidelines, a cash out loan is only eligible for funding if it meets the following condition: "]
[null,"The first payment date on the new loan must be on or after the later of the following:"]
[null,"a) The date that is 240 days after the 1st payment date on the loan being refinanced and\nb) The date on which 6 full monthly payments have been made on the loan being refinanced."]

{"sheet":"FHA SL Case # Seasoning Tool","index":20,"n_rows":15,"n_cols":4,"rows_kept":15,"cut":false,"hidden":true,"merged":[[14,1,14,3],[1,1,2,3],[3,1,3,2],[4,1,4,2],[5,1,5,2],[7,1,8,2],[7,3,8,3],[9,1,10,2],[9,3,10,3],[11,1,11,3],[12,1,12,3],[13,1,13,3]]}
[]
[null,"FHA SL Case # Seasoning Tool"]
[]
[null,"Loan Number"]
[null,"First Payment Date on Existing Loan"]
[null,"Note Date on Existing Loan"]
[]
[null,"Earliest Allowable First Payment Date",null,{"$f":"IF(AND(D4>0,D5>0,D6>0), EOMONTH(EDATE(MAX(MAX(D5)+210), 1),-1)+1,\"Enter all Information\")","v":"Enter all Information"}]
[]
[null,"Earliest Allowable Case Assignment date for new loan",null,{"$f":"IF(AND(D4>0,D5>0,D6>0),MAX(D6+211,EDATE(D5,6)),\"Enter all Information\")","v":"Enter all Information"}]
[]
[null,"Under Stearns guidelines, a FHA streamline is only eligible for funding if it meets the following condition: \n\nOn the date of the FHA case number assignment:"]
[null,"a) The borrower must have made at least 6 payments on the FHA loan being refinanced and\nb) At least 6 full months have passed since the 1st payment due date of the FHA loan being refinanced and\nc) At least 210 days must have passed from the Note date of the FHA loan being refinanced."]
[null,"The first payment date on the new loan must be on or after the later of the following:"]
[null,"a) The date that is 210 days after the 1st payment date on the FHA loan being refinanced and\nb) The date on which 6 full monthly payments have been made on the FHA loan being refinanced."]

{"sheet":"VA Refi Seasoning Calculator","index":21,"n_rows":10,"n_cols":4,"rows_kept":10,"cut":false,"hidden":true,"merged":[[9,1,9,3],[1,1,2,3],[3,1,3,2],[4,1,4,2],[6,1,7,2],[6,3,7,3],[8,1,8,3]]}
[]
[null,"VA Cash Out Refi Seasoning Requirement"]
[]
[null,"Loan Number"]
[null,"First Payment Date on Existing Loan"]
[]
[null,"Earliest Allowable Note date for new loan",null,{"$f":"IF(AND(D4>0,D5>0),(MAX(D5)+240),\"Enter all Information\")","v":"Enter all Information"}]
[]
[null,"Under Stearns guidelines, a cash out loan is only eligible for funding if it meets the following condition: \n\nThe first payment date of the refinance loan must be on or after the later of: "]
[null,"a) The date that is 240 days after the 1st payment date on the VA loan being refinanced and\nb) The date on which 6 full monthly payments have been made on the VA loan being refinanced."]

{"sheet":"VA IRRRL UW'er Certification","index":22,"n_rows":37,"n_cols":12,"rows_kept":37,"cut":false,"hidden":true,"merged":[[24,2,24,7],[27,1,27,9],[3,7,3,8],[8,2,8,7],[18,2,18,7],[22,2,22,7],[23,2,23,7],[3,2,3,3]]}
[]
[null,"VA IRRRL Underwriter Certification",null,null,null,null,null,null,null,null,null,"Instructions"]
[null,null,null,null,null,null,null,null,null,null,null,"Cells shaded in gray require input; cells shaded in green calculate automatically"]
[null,"Loan #",null,null,null,"Borrower Name"]
[]
[null,"Seasoning"]
[null,null,"First Payment  Due Date of Underlying loan",null,null,null,null,null,null,null,null,"Input the First Payment Due Date from the Note of the underlying loan"]
[null,null,"Earliest Allowable Note Date",null,null,null,null,null,{"$f":"IF(I7=\"\",\"\",(I7+211))","v":""},null,null,"This is the earliest date the Note may be dated, regardless of funding date"]
[null,null,"Underwriter has placed condition indicating Earliest Allowable Note Date indicated above",null,null,null,null,null,null,null,null,"Pick \"YES\" or \"NO\" from the dropdown list"]
[null,null,"Six timely monthly payments documented",null,null,null,null,null,null,null,null,"Pick \"YES\" or \"NO\" from the dropdown list"]
[null,null,"Seasoning Test Passed",null,null,null,null,null,{"$f":"IF(I10=\"\",\"\",IF(I9=\"\",\" \", IF(I9=\"NO\",\"FAIL\",IF(I10=\"YES\",\"PASS\", \"FAIL\"))))","v":""}]
[]
[null,"Net Tangible Benefit"]
[null,null,"Interest Rate of Underlying Loan",null,null,null,null,null,null,null,null,"Input the Interest Rate of the underlying loan as indicated on the Note"]
[null,null,"Type of underlying loan (FRM vs ARM)",null,null,null,null,null,null,null,null,"Input the amortization type of the underlying loan as indicated on the Note"]
[null,null,"Type of new loan (FRM vs ARM)",null,null,null,null,null,null,null,null,"Input the amortization type of the loan being underwritten"]
[null,null,"Highest Allowable Rate of New Loan",null,null,null,null,null,{"$f":"IF(I14=\"\",\"\",IF(I16=\"FRM\",(I14-0.005),(I14-0.02)))","v":""}]
[null,null,"Interest Rate of Loan being Underwritten"]
[null,null,"Underwriter has placed condition indicating maximum allowable Interest Rate as indicated above",null,null,null,null,null,null,null,null,"Pick \"YES\" or \"NO\" from the dropdown list"]
[null,null,"Net Tangible Benefit Test Satisfied",null,null,null,null,null,{"$f":"IF(I18=\"\",\" \", IF(I19=\"NO\",\"FAIL\", IF(I18>I17,\"FAIL\", IF(I19=\"\",\"\",\"PASS\"))))","v":" "}]
[]
[null,"Recoupment"]
[null,null,"Principal & Interest Payment is reduced and Recoupment of all costs of the refinance will be achieved within 36 months",null,null,null,null,null,null,null,null,"Pick \"YES\", \"NO\" or \"NA\" from the dropdown list"]
[null,null,"Principal & Interest Payment is not reduced and no refinance costs are being charged to the Veteran",null,null,null,null,null,null,null,null,"Pick \"YES\", \"NO\" or \"NA\" from the dropdown list"]
[null,null,"VA Interest Rate Reduction Refinance Loan Comparison Veteran's Certification has been provided to Veteran",null,null,null,null,null,null,null,null,"Pick \"YES\" or \"NO\" from the dropdown list"]
[null,null,"Recoupment Test Satisfied",null,null,null,null,null,{"$f":"IF(I23=\"\",\" \", IF(I25=\"\", \"\", IF(I25=\"NO\", \"FAIL\",IF(I23=\"YES\",\"PASS\",IF(I24=\"YES\",\"PASS\", \"FAIL\")))))","v":" "}]
[]
[null,"As the underwriter of this VA IRRRL, I hereby certify that I have reviewed the seasoning, net tangible benefit and recoupment of this loan and have determined that they meet VA requirements."]
[]
[]
[null,"Underwriter Name:"]
[]
[]
[null,"Underwriter Signature:"]
[]
[]
[null,"Certification Date:"]

{"sheet":"B-Paystubs","index":23,"n_rows":53,"n_cols":376,"rows_kept":53,"cut":false,"hidden":true,"merged":[[17,87,17,104],[17,6,17,12],[19,87,19,104],[19,21,19,35],[20,87,20,104],[17,13,17,20],[18,6,18,12],[18,13,18,20],[18,87,18,104],[15,21,16,35],[17,21,17,35],[18,69,18,86],[17,69,17,86],[18,21,18,35],[18,36,18,50],[15,51,15,68],[16,51,16,68],[15,2,15,20],[16,2,16,20],[17,2,17,5],[18,2,18,5],[18,51,18,68],[23,32,24,47],[23,79,24,86],[42,6,42,102],[41,6,41,102],[38,3,38,4],[39,3,39,4],[40,3,40,4],[41,3,41,4],[42,3,42,4],[26,79,26,86],[26,2,26,5],[25,32,25,47],[25,48,25,62],[25,63,25,78],[25,79,25,86],[23,15,23,31],[24,2,24,14],[24,15,24,31],[24,48,24,62],[24,63,24,78],[0,1,0,105],[46,2,46,104],[47,2,47,104],[45,2,45,104],[31,18,31,86],[34,87,34,104],[31,87,31,104],[33,2,33,86],[34,2,34,86],[33,87,33,104],[44,2,44,104],[30,2,30,104],[17,36,17,50],[13,69,13,86],[22,2,22,104],[26,32,26,47],[26,48,26,62],[26,63,26,78],[7,2,7,13],[26,6,26,14],[23,48,23,62],[23,63,23,78],[7,14,7,104],[40,6,40,102],[43,2,43,104],[36,2,36,104],[19,13,19,20],[19,51,19,68],[19,2,19,5],[19,36,19,50],[25,87,25,104],[26,87,26,104],[23,2,23,14],[27,87,27,104],[27,2,27,86],[25,6,25,14],[25,2,25,5],[25,15,25,31],[26,15,26,31],[37,2,37,104],[20,2,20,86],[19,69,19,86],[32,87,32,104],[32,2,32,86],[38,6,38,102],[39,6,39,102],[19,6,19,12],[24,87,24,104],[11,36,12,50],[11,2,11,20],[15,87,15,104],[16,87,16,104],[48,1,48,105],[31,2,31,17],[10,2,10,104],[21,2,21,104],[13,51,13,68],[13,21,13,35],[13,36,13,50],[16,36,16,46],[13,2,13,20],[17,51,17,68],[15,36,15,50],[14,2,14,4],[28,2,28,104],[11,21,11,35],[11,51,11,68],[11,69,11,86],[23,87,23,104],[16,47,16,50],[29,2,29,104],[35,2,35,104],[49,1,49,105],[50,1,50,105],[51,1,51,105],[52,1,52,105],[1,1,1,105],[4,1,4,105],[2,1,2,105],[3,1,3,105],[9,2,9,104],[15,69,16,86],[8,2,8,104],[11,87,11,104],[5,2,5,104],[6,82,6,104],[6,69,6,81],[13,87,13,104],[14,5,14,104],[6,2,6,13],[6,14,6,68],[12,2,12,20],[12,21,12,35],[12,51,12,68],[12,69,12,86],[12,87,12,104]]}
[]
[]
[null,"Income Calculations Worksheet"]
[null,"Base Earnings (does not include bonus, commissions, overtime, other)"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,"Employer:"]
[]
[]
[null,null,"CURRENT RATE OF PAY & BASE EARNINGS"]
[null,null,"Reference",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Document",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rate of Pay",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pay Period",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D185","v":"Weekly"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly"]
[null,null,"(Document)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Frequency",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hours Worked",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earnings"]
[null,null,"Paystub",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AZ14=\"Hourly (H)\",40,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D126","v":0}]
[null,null,null,null,null,"Qualifying at current base (borrower has received pay increase since beginning of year and/or explanation below)"]
[null,null,"Base Pay Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date From",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date To",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Months",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly"]
[null,null,"(include in calcs)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gov Pay #",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earnings",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earnings"]
[null,null,null,null,null,null,"YTD ",null,null,null,null,null,null,2020,null,null,null,null,null,null,null,{"$f":"DATE(N18,1,1)","v":"2020-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D129","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+Data_Income!F133","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G133","v":""}]
[null,null,null,null,null,null,"Year ",null,null,null,null,null,null,{"$f":"N18-1","v":2019},null,null,null,null,null,null,null,{"$f":"DATE(N19,1,1)","v":"2019-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"DATE(N19,12,31)","v":"2019-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F134","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G134","v":""}]
[null,null,null,null,null,null,"Year ",null,null,null,null,null,null,{"$f":"N18-2","v":2018},null,null,null,null,null,null,null,{"$f":"DATE(N20,1,1)","v":"2018-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"DATE(N20,12,31)","v":"2018-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F135","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G135","v":""}]
[null,null,"Total Qualifying Base Income (must be lower of current rate or YTD average)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G136","v":0}]
[]
[null,null,"UNREIMBURSED EMPLOYEE EXPENSES"]
[null,null,"Income Tax",null,null,null,null,null,null,null,null,null,null,null,null,"Total Amount",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Depreciation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Business",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Business Miles",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mos",null,null,null,null,null,null,null,"Monthly"]
[null,null,"Period (year)",null,null,null,null,null,null,null,null,null,null,null,null,"Claimed",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,null,null,null,null,"Miles",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Addback",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Average"]
[null,null,null,null,null,null,{"$f":"N19","v":2019},null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(P26=0,\"\",12)","v":""},null,null,null,null,null,null,null,{"$f":"Data_Income!K141","v":""}]
[null,null,0,null,null,null,{"$f":"N20","v":2018},null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F142","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(P27=0,\"\",12)","v":""},null,null,null,null,null,null,null,{"$f":"Data_Income!K142","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Total Average Unreimbursed Employee Expenses",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!K143","v":0}]
[null,null," May addback Depreciation -OR- Business Miles (if both are entered \"Error Dep & Buss\" will be displayed).\n Depreciation Amount is located on Form 2106, page 2, line 28.\n Business Miles are located on Form 2106, line 13 -or- Form 2106-EZ,  line 8a.\n FNMA Depreciation Factor per mile (Year 2014 = 22¢, Year 2015 = 24¢, Year 2016 = 24¢, Year 2017 = 25¢, Year 2018 = 25¢)."]
[]
[null,null,"FINAL MONTHLY INCOME RECONCILIATION"]
[null,null," Base Earnings",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F149","v":"(lower of Current Rate or YTD avg, or explanation provided)"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D149","v":0}]
[null,null," Total Average Unreimbursed Employee Expenses (deduct from Base Earnings)",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,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,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,{"$f":"Data_Income!D150","v":0}]
[null,null," Other Additions or Subtractions to Income (provide explanation below)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Total Calculated Base Earnings that may be included in Qualifying Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D152","v":0}]
[]
[null,null,"STATISTICS"]
[]
[null,null,null,"●",null,null,{"$f":"Data_Income!D200","v":"Variances in earnings not determined."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D210","v":"Total qualifying income determined on current pay rate even if not supported with YTD earnings (may be due to pay increase earlier this year, or time off taken without pay, etc.). LOE required."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D212","v":"Average weekly hours worked to be determined."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D214","v":"Expected amount of YTD earnings to be determined."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D216","v":"Total Average Base Earnings and period covered to be determined."}]
[]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"CB-Paystubs","index":24,"n_rows":53,"n_cols":88,"rows_kept":53,"cut":false,"hidden":true,"merged":[[14,2,14,4],[14,5,14,104],[15,21,16,35],[15,36,15,50],[15,69,16,86],[16,36,16,46],[16,47,16,50],[15,2,15,20],[16,2,16,20],[15,51,15,68],[16,51,16,68],[15,87,15,104],[16,87,16,104],[9,2,9,104],[13,36,13,50],[13,51,13,68],[13,69,13,86],[13,87,13,104],[10,2,10,104],[11,2,11,20],[11,21,11,35],[11,51,11,68],[11,69,11,86],[11,87,11,104],[13,2,13,20],[13,21,13,35],[12,69,12,86],[12,2,12,20],[12,21,12,35],[12,51,12,68],[12,87,12,104],[11,36,12,50],[8,2,8,104],[0,1,0,105],[5,2,5,104],[6,2,6,13],[6,14,6,68],[6,69,6,81],[6,82,6,104],[7,2,7,13],[7,14,7,104],[1,1,1,105],[2,1,2,105],[3,1,3,105],[4,1,4,105],[18,2,18,5],[18,21,18,35],[18,36,18,50],[18,51,18,68],[18,69,18,86],[18,87,18,104],[17,2,17,5],[17,21,17,35],[17,36,17,50],[17,51,17,68],[17,69,17,86],[17,6,17,12],[17,13,17,20],[18,6,18,12],[18,13,18,20],[17,87,17,104],[19,87,19,104],[20,87,20,104],[19,2,19,5],[19,21,19,35],[19,36,19,50],[19,51,19,68],[19,69,19,86],[19,6,19,12],[19,13,19,20],[20,2,20,86],[22,2,22,104],[23,2,23,14],[23,87,23,104],[21,2,21,104],[23,15,23,31],[23,48,23,62],[23,63,23,78],[27,2,27,86],[27,87,27,104],[24,2,24,14],[24,15,24,31],[24,48,24,62],[24,63,24,78],[24,87,24,104],[23,79,24,86],[23,32,24,47],[25,2,25,5],[25,6,25,14],[25,79,25,86],[25,87,25,104],[26,79,26,86],[26,87,26,104],[26,2,26,5],[26,6,26,14],[25,15,25,31],[25,32,25,47],[25,48,25,62],[25,63,25,78],[26,15,26,31],[26,32,26,47],[26,48,26,62],[26,63,26,78],[40,6,40,102],[41,3,41,4],[41,6,41,102],[42,3,42,4],[42,6,42,102],[43,2,43,104],[44,2,44,104],[49,1,49,105],[28,2,28,104],[29,2,29,104],[30,2,30,104],[50,1,50,105],[51,1,51,105],[52,1,52,105],[33,2,33,86],[33,87,33,104],[34,2,34,86],[34,87,34,104],[31,2,31,17],[31,18,31,86],[31,87,31,104],[32,2,32,86],[32,87,32,104],[45,2,45,104],[46,2,46,104],[47,2,47,104],[48,1,48,105],[35,2,35,104],[36,2,36,104],[37,2,37,104],[38,3,38,4],[38,6,38,102],[39,3,39,4],[39,6,39,102],[40,3,40,4]]}
[]
[]
[null,"Income Calculations Worksheet"]
[null,"Base Earnings (does not include bonus, commissions, overtime, other)"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,"Employer:"]
[]
[]
[null,null,"CURRENT RATE OF PAY & BASE EARNINGS"]
[null,null,"Reference",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Document",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rate of Pay",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pay Period",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D483","v":"Weekly"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly"]
[null,null,"(Document)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Frequency",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hours Worked",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earnings"]
[null,null,"Paystub",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AZ14=\"Hourly (H)\",40,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D424","v":0}]
[null,null,null,null,null,"Qualifying at current base (borrower has received pay increase since beginning of year and/or explanation below)"]
[null,null,"Base Pay Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date From",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date To",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Months",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly"]
[null,null,"(include in calcs)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gov Pay #",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earnings",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earnings"]
[null,null,null,null,null,null,"YTD ",null,null,null,null,null,null,2020,null,null,null,null,null,null,null,{"$f":"DATE(N18,1,1)","v":"2020-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D130","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F431","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G431","v":""}]
[null,null,null,null,null,null,"Year ",null,null,null,null,null,null,{"$f":"N18-1","v":2019},null,null,null,null,null,null,null,{"$f":"DATE(N19,1,1)","v":"2019-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"DATE(N19,12,31)","v":"2019-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F432","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G432","v":""}]
[null,null,null,null,null,null,"Year ",null,null,null,null,null,null,{"$f":"N18-2","v":2018},null,null,null,null,null,null,null,{"$f":"DATE(N20,1,1)","v":"2018-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"DATE(N20,12,31)","v":"2018-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F433","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G433","v":""}]
[null,null,"Total Qualifying Base Income (must be lower of current rate or YTD average)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G434","v":0}]
[]
[null,null,"UNREIMBURSED EMPLOYEE EXPENSES"]
[null,null,"Income Tax",null,null,null,null,null,null,null,null,null,null,null,null,"Total Amount",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Depreciation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Business",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Business Miles",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mos",null,null,null,null,null,null,null,"Monthly"]
[null,null,"Period (year)",null,null,null,null,null,null,null,null,null,null,null,null,"Claimed",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,null,null,null,null,"Miles",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Addback",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Average"]
[null,null,null,null,null,null,{"$f":"N19","v":2019},null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F439","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(P26=0,\"\",12)","v":""},null,null,null,null,null,null,null,{"$f":"Data_Income!K439","v":""}]
[null,null,null,null,null,null,{"$f":"N20","v":2018},null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F440","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(P27=0,\"\",12)","v":""},null,null,null,null,null,null,null,{"$f":"Data_Income!K440","v":""}]
[null,null,"Total Average Unreimbursed Employee Expenses",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,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,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,{"$f":"Data_Income!K441","v":0}]
[null,null," May addback Depreciation -OR- Business Miles (if both are entered \"Error Dep & Buss\" will be displayed).\n Depreciation Amount is located on Form 2106, page 2, line 28.\n Business Miles are located on Form 2106, line 13 -or- Form 2106-EZ,  line 8a.\n FNMA Depreciation Factor per mile (Year 2014 = 22¢, Year 2015 = 24¢, Year 2016 = 24¢, Year 2017 = 25¢, Year 2018 = 25¢ )."]
[]
[null,null,"FINAL MONTHLY INCOME RECONCILIATION"]
[null,null," Base Earnings",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F149","v":"(lower of Current Rate or YTD avg, or explanation provided)"},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,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,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D447","v":0}]
[null,null," Total Average Unreimbursed Employee Expenses (deduct from Base Earnings)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D448","v":0}]
[null,null," Other Additions or Subtractions to Income (provide explanation below)",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,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,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," Total Calculated Base Earnings that may be included in Qualifying Income",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,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,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,{"$f":"Data_Income!D450","v":0}]
[]
[null,null,"STATISTICS"]
[]
[null,null,null,"●",null,null,{"$f":"Data_Income!D498","v":"Variances in earnings not determined."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D508","v":"Total qualifying income to be determined."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D510","v":"Average weekly hours worked to be determined."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D512","v":"Expected amount of YTD earnings to be determined."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D514","v":"Total Average Base Earnings and period covered to be determined."}]
[]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"B-Written VOE","index":25,"n_rows":89,"n_cols":88,"rows_kept":89,"cut":false,"hidden":true,"merged":[[43,51,43,68],[33,69,33,86],[34,36,34,50],[23,36,24,50],[23,69,24,86],[17,87,17,104],[27,21,27,35],[28,87,28,104],[22,2,22,104],[18,21,18,35],[19,69,19,86],[19,87,19,104],[20,87,20,104],[19,21,19,35],[19,36,19,50],[19,51,19,68],[19,2,19,5],[19,6,19,12],[19,13,19,20],[25,87,25,104],[27,36,27,50],[27,51,27,68],[27,13,27,20],[21,2,21,104],[42,87,42,104],[34,13,34,20],[34,6,34,12],[33,36,33,50],[48,87,48,104],[39,21,40,35],[39,36,40,50],[39,69,40,86],[40,2,40,20],[40,51,40,68],[40,87,40,104],[35,2,35,5],[35,13,35,20],[36,87,36,104],[42,2,42,5],[43,2,43,5],[43,87,43,104],[43,69,43,86],[41,21,41,35],[39,87,39,104],[39,2,39,20],[35,21,35,35],[43,6,43,12],[34,21,34,35],[37,2,37,104],[41,69,41,86],[41,87,41,104],[35,69,35,86],[35,87,35,104],[36,2,36,86],[38,2,38,104],[41,6,41,12],[41,13,41,20],[41,36,41,50],[20,2,20,86],[23,2,23,20],[17,2,17,5],[18,2,18,5],[17,6,17,12],[17,13,17,20],[18,6,18,12],[30,2,30,104],[31,21,32,35],[31,36,32,50],[17,51,17,68],[18,36,18,50],[18,69,18,86],[17,69,17,86],[26,51,26,68],[26,69,26,86],[26,36,26,50],[26,87,26,104],[25,51,25,68],[25,2,25,5],[17,36,17,50],[23,51,23,68],[23,87,23,104],[24,2,24,20],[50,2,50,5],[50,6,50,14],[50,15,50,31],[50,32,50,47],[50,48,50,62],[48,63,48,78],[49,79,49,86],[49,87,49,104],[47,79,48,86],[50,79,50,86],[50,87,50,104],[50,63,50,78],[49,2,49,5],[49,6,49,14],[47,15,47,31],[47,48,47,62],[47,63,47,78],[49,15,49,31],[47,2,47,14],[47,32,48,47],[48,48,48,62],[47,87,47,104],[48,15,48,31],[49,32,49,47],[42,6,42,12],[42,13,42,20],[41,51,41,68],[33,21,33,35],[33,6,33,12],[45,2,45,104],[46,2,46,104],[33,2,33,5],[39,51,39,68],[33,87,33,104],[34,87,34,104],[34,2,34,5],[33,51,33,68],[41,2,41,5],[35,6,35,12],[33,13,33,20],[42,36,42,50],[42,51,42,68],[42,69,42,86],[34,69,34,86],[34,51,34,68],[42,21,42,35],[35,36,35,50],[35,51,35,68],[11,87,11,104],[18,51,18,68],[11,21,11,35],[13,36,13,50],[14,2,14,4],[13,21,13,35],[18,87,18,104],[17,21,17,35],[16,2,16,20],[18,13,18,20],[15,87,15,104],[16,87,16,104],[15,51,15,68],[16,51,16,68],[15,2,15,20],[12,69,12,86],[11,36,12,50],[11,2,11,20],[12,2,12,20],[12,21,12,35],[12,51,12,68],[11,69,11,86],[11,51,11,68],[16,36,16,50],[25,13,25,20],[26,6,26,12],[26,13,26,20],[26,2,26,5],[25,21,25,35],[25,36,25,50],[32,87,32,104],[24,51,24,68],[23,21,24,35],[29,2,29,104],[31,51,31,68],[28,2,28,86],[27,2,27,5],[27,6,27,12],[27,69,27,86],[27,87,27,104],[26,21,26,35],[31,69,32,86],[32,51,32,68],[32,2,32,20],[31,2,31,20],[31,87,31,104],[24,87,24,104],[25,69,25,86],[0,1,0,105],[13,51,13,68],[13,69,13,86],[13,87,13,104],[15,69,16,86],[14,5,14,104],[15,21,16,35],[15,36,15,50],[7,2,7,13],[7,14,7,104],[6,2,6,13],[6,14,6,68],[13,2,13,20],[1,1,1,105],[2,1,2,105],[3,1,3,105],[4,1,4,105],[9,2,9,104],[8,2,8,104],[10,2,10,104],[5,2,5,104],[6,69,6,81],[6,82,6,104],[12,87,12,104],[84,1,84,105],[44,2,44,86],[44,87,44,104],[43,21,43,35],[43,36,43,50],[60,87,60,104],[59,87,59,104],[69,6,69,102],[66,6,66,102],[79,6,79,102],[82,2,82,104],[72,3,72,4],[75,3,75,4],[78,3,78,4],[71,3,71,103],[74,3,74,103],[77,3,77,103],[76,3,76,4],[76,6,76,102],[73,6,73,102],[49,48,49,62],[49,63,49,78],[48,2,48,14],[43,13,43,20],[51,87,51,104],[52,2,52,104],[83,2,83,104],[81,2,81,104],[80,2,80,104],[79,3,79,4],[53,1,53,105],[54,2,54,104],[57,2,57,86],[57,87,57,104],[63,2,63,104],[55,18,55,86],[61,2,61,86],[55,2,55,17],[64,2,64,104],[65,2,65,104],[72,6,72,102],[75,6,75,102],[78,6,78,102],[56,87,56,104],[56,2,56,86],[73,3,73,4],[58,87,58,104],[25,6,25,12],[85,1,85,105],[86,1,86,105],[87,1,87,105],[88,1,88,105],[68,3,68,4],[69,3,69,4],[68,6,68,102],[70,6,70,102],[51,2,51,86],[59,2,59,80],[60,2,60,80],[60,81,60,86],[67,6,67,102],[59,81,59,86],[58,2,58,80],[58,81,58,86],[66,3,66,4],[67,3,67,4],[62,2,62,86],[70,3,70,4],[62,87,62,104],[55,87,55,104],[61,87,61,104]]}
[]
[]
[null,"Income Calculations Worksheet"]
[null,"Base Earnings, Bonus, Commissions, Overtime, Other"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,"Employer:"]
[]
[]
[null,null,"CURRENT RATE OF PAY & BASE EARNINGS"]
[null,null,"Reference",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Document",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rate of Pay",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pay Period",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D291","v":"Weekly"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly"]
[null,null,"(Document)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Frequency",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hours Worked",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earnings"]
[null,null,"Written VOE",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AZ14=\"Hourly (H)\",40,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D239","v":0}]
[null,null,null,null,null,"Qualifying at current base (borrower has received pay increase since beginning of year and/or explanation below)"]
[null,null,"Base Pay Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date From",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date To",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Months",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly"]
[null,null,"(include in calcs)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gov Pay #",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earnings",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earnings"]
[null,null,null,null,null,null,"YTD ",null,null,null,null,null,null,2020,null,null,null,null,null,null,null,{"$f":"DATE(N18,1,1)","v":"2020-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D242","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F246","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G246","v":""}]
[null,null,null,null,null,null,"Year ",null,null,null,null,null,null,{"$f":"N18-1","v":2019},null,null,null,null,null,null,null,{"$f":"DATE(N19,1,1)","v":"2019-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"DATE(N19,12,31)","v":"2019-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F247","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G247","v":""}]
[null,null,null,null,null,null,"Year ",null,null,null,null,null,null,{"$f":"N18-2","v":2018},null,null,null,null,null,null,null,{"$f":"DATE(N20,1,1)","v":"2018-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"DATE(N20,12,31)","v":"2018-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F248","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G248","v":""}]
[null,null,"Total Qualifying Base Income (must be lower of current rate or YTD average)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G249","v":0}]
[]
[null,null,"OVERTIME"]
[null,null,"Base Pay Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date From",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date To",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Months",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly"]
[null,null,"(include in calcs)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earnings",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,null,null,null,null,null,null,null,"Earnings"]
[null,null,null,null,null,null,"YTD ",null,null,null,null,null,null,{"$f":"$N$18","v":2020},null,null,null,null,null,null,null,{"$f":"$V$18","v":"2020-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$AK$18","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I308","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G308","v":""}]
[null,null,null,null,null,null,"Year ",null,null,null,null,null,null,{"$f":"$N$19","v":2019},null,null,null,null,null,null,null,{"$f":"$V$19","v":"2019-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$AK$19","v":"2019-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I309","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G309","v":""}]
[null,null,null,null,null,null,"Year ",null,null,null,null,null,null,{"$f":"$N$20","v":2018},null,null,null,null,null,null,null,{"$f":"$V$20","v":"2018-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$AK$20","v":"2018-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I310","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G310","v":""}]
[null,null,"Total Average Additional Earnings (underwriter to determine if allowable)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!J311","v":0}]
[]
[null,null,"BONUS"]
[null,null,"Base Pay Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date From",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date To",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Months",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly"]
[null,null,"(include in calcs)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earnings",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,null,null,null,null,null,null,null,"Earnings"]
[null,null,null,null,null,null,"YTD ",null,null,null,null,null,null,{"$f":"$N$18","v":2020},null,null,null,null,null,null,null,{"$f":"$V$18","v":"2020-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$AK$18","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I324","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G324","v":""}]
[null,null,null,null,null,null,"Year ",null,null,null,null,null,null,{"$f":"$N$19","v":2019},null,null,null,null,null,null,null,{"$f":"$V$19","v":"2019-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$AK$19","v":"2019-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I325","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G325","v":""}]
[null,null,null,null,null,null,"Year ",null,null,null,null,null,null,{"$f":"$N$20","v":2018},null,null,null,null,null,null,null,{"$f":"$V$20","v":"2018-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$AK$20","v":"2018-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I326","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G326","v":""}]
[null,null,"Total Average Additional Earnings (underwriter to determine if allowable)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!J327","v":0}]
[]
[null,null,"COMMISSIONS"]
[null,null,"Base Pay Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date From",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date To",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Months",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly"]
[null,null,"(include in calcs)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earnings",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,null,null,null,null,null,null,null,"Earnings"]
[null,null,null,null,null,null,"YTD ",null,null,null,null,null,null,{"$f":"$N$18","v":2020},null,null,null,null,null,null,null,{"$f":"$V$18","v":"2020-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-01-15",null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I340","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G340","v":""}]
[null,null,null,null,null,null,"Year ",null,null,null,null,null,null,{"$f":"$N$19","v":2019},null,null,null,null,null,null,null,{"$f":"$V$19","v":"2019-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$AK$19","v":"2019-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I341","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G341","v":""}]
[null,null,null,null,null,null,"Year ",null,null,null,null,null,null,{"$f":"$N$20","v":2018},null,null,null,null,null,null,null,{"$f":"$V$20","v":"2018-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$AK$20","v":"2018-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I342","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G342","v":""}]
[null,null,"Total Average Additional Earnings (underwriter to determine if allowable)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!J343","v":0}]
[]
[null,null,"UNREIMBURSED EMPLOYEE EXPENSES"]
[null,null,"Income Tax",null,null,null,null,null,null,null,null,null,null,null,null,"Total Amount",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Depreciation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Business",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Business Miles",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mos",null,null,null,null,null,null,null,"Monthly"]
[null,null,"Period (year)",null,null,null,null,null,null,null,null,null,null,null,null,"Claimed",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,null,null,null,null,"Miles",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Addback",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Average"]
[null,null,null,null,null,null,{"$f":"N19","v":2019},null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F254","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(P50=0,\"\",12)","v":""},null,null,null,null,null,null,null,{"$f":"Data_Income!K254","v":""}]
[null,null,null,null,null,null,{"$f":"N20","v":2018},null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F255","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(P51=0,\"\",12)","v":""},null,null,null,null,null,null,null,{"$f":"Data_Income!K255","v":""}]
[null,null,"Total Average Unreimbursed Employee Expenses (deduct from Base Earnings)",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,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,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,{"$f":"Data_Income!K256","v":0}]
[null,null," May addback Depreciation -OR- Business Miles (if both are entered \"Error Dep & Buss\" will be displayed).\n Depreciation Amount is located on Form 2106, page 2, line 28.\n Business Miles are located on Form 2106, line 13 -or- Form 2106-EZ,  line 8a.\n FNMA Depreciation Factor per mile (Year 2014 = 22¢, Year 2015 = 24¢, Year 2016 = 24¢, Year 2017 = 25¢, Year 2018 = 25¢)."]
[]
[null,null,"FINAL MONTHLY INCOME RECONCILIATION"]
[null,null," Base Earnings",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F354","v":"(lower of Current Rate or YTD avg, or explanation provided)"},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,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,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D354","v":0}]
[null,null," Total Average Unreimbursed Employee Expenses (deduct from Base Earnings)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D355","v":0}]
[null,null," Total Calculated Base Earnings (Gross Base Earnings less Unreimbursed Expenses)",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,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,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,{"$f":"Data_Income!D356","v":0}]
[null,null,{"$f":"CONCATENATE(Data_Income!F359,\"  (include in totals)\")","v":" Total 0 Months Average Monthly Overtime Earnings  (include in totals)"},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,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,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,{"$f":"Data_Income!D359","v":0}]
[null,null,{"$f":"Data_Income!F362","v":" Total 0 Months Average Monthly Bonus Earnings"},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,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,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,{"$f":"Data_Income!D362","v":0}]
[null,null,{"$f":"Data_Income!F365","v":" Total 0 Months Average Monthly Commissions Earnings"},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,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,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,{"$f":"Data_Income!D365","v":0}]
[null,null," Other Additions or Subtractions to Income (provide explanation below)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Total Calculated Base Earnings that may be included in Qualifying Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D369","v":0}]
[]
[null,null,"STATISTICS"]
[]
[null,null,null,"●",null,null,{"$f":"Data_Income!D373","v":"Variances in earnings not determined."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D383","v":"Total qualifying income to be determined."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D385","v":"Average weekly hours worked to be determined."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D387","v":"Expected amount of YTD earnings to be determined."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D389","v":"Total Average Base Earnings and period covered to be determined."}]
[null,null,null,{"$f":"Data_Income!A391","v":"OVERTIME Earnings"}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D392","v":"Variances in earnings not determined."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D393","v":"Total Average Base Earnings and period covered to be determined."}]
[null,null,null,{"$f":"Data_Income!A395","v":"BONUS Earnings"}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D396","v":"Variances in earnings not determined."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D397","v":"Total Average Base Earnings and period covered to be determined."}]
[null,null,null,{"$f":"Data_Income!A399","v":"COMMISSIONS Earnings"}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D400","v":"Variances in earnings not determined."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D401","v":"Total Average Base Earnings and period covered to be determined."}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"CB-Written VOE","index":26,"n_rows":89,"n_cols":88,"rows_kept":89,"cut":false,"hidden":true,"merged":[[29,2,29,104],[25,6,25,12],[25,13,25,20],[28,2,28,86],[28,87,28,104],[31,21,32,35],[31,36,32,50],[31,69,32,86],[32,2,32,20],[32,51,32,68],[32,87,32,104],[30,2,30,104],[31,2,31,20],[35,13,35,20],[36,2,36,86],[36,87,36,104],[35,87,35,104],[35,2,35,5],[35,21,35,35],[35,36,35,50],[35,51,35,68],[35,69,35,86],[49,63,49,78],[50,15,50,31],[50,32,50,47],[50,48,50,62],[50,63,50,78],[47,32,48,47],[47,79,48,86],[48,2,48,14],[48,15,48,31],[48,48,48,62],[48,63,48,78],[47,63,47,78],[49,32,49,47],[49,48,49,62],[47,48,47,62],[1,1,1,105],[2,1,2,105],[3,1,3,105],[4,1,4,105],[54,2,54,104],[53,2,53,104],[21,2,21,104],[8,2,8,104],[34,13,34,20],[35,6,35,12],[7,2,7,13],[7,14,7,104],[9,2,9,104],[13,36,13,50],[13,51,13,68],[13,69,13,86],[13,87,13,104],[10,2,10,104],[11,2,11,20],[11,21,11,35],[11,51,11,68],[11,69,11,86],[11,87,11,104],[49,15,49,31],[0,1,0,105],[16,36,16,46],[16,47,16,50],[17,87,17,104],[18,2,18,5],[18,21,18,35],[18,36,18,50],[18,51,18,68],[18,69,18,86],[18,87,18,104],[17,2,17,5],[17,21,17,35],[17,36,17,50],[17,51,17,68],[17,69,17,86],[17,6,17,12],[17,13,17,20],[18,6,18,12],[18,13,18,20],[5,2,5,104],[6,2,6,13],[6,14,6,68],[6,69,6,81],[6,82,6,104],[13,2,13,20],[13,21,13,35],[14,2,14,4],[14,5,14,104],[15,21,16,35],[15,36,15,50],[15,69,16,86],[15,2,15,20],[16,2,16,20],[15,51,15,68],[15,87,15,104],[16,51,16,68],[16,87,16,104],[11,36,12,50],[12,2,12,20],[12,21,12,35],[12,51,12,68],[12,69,12,86],[12,87,12,104],[27,2,27,5],[27,21,27,35],[27,36,27,50],[27,51,27,68],[27,69,27,86],[27,13,27,20],[27,6,27,12],[27,87,27,104],[23,51,23,68],[23,87,23,104],[25,2,25,5],[25,69,25,86],[25,87,25,104],[26,2,26,5],[26,21,26,35],[26,36,26,50],[25,51,25,68],[23,21,24,35],[19,2,19,5],[19,21,19,35],[19,36,19,50],[19,51,19,68],[19,69,19,86],[19,6,19,12],[19,13,19,20],[19,87,19,104],[20,87,20,104],[20,2,20,86],[22,2,22,104],[23,2,23,20],[26,51,26,68],[26,69,26,86],[26,6,26,12],[26,13,26,20],[26,87,26,104],[25,21,25,35],[25,36,25,50],[24,87,24,104],[23,36,24,50],[23,69,24,86],[24,2,24,20],[24,51,24,68],[34,36,34,50],[31,51,31,68],[31,87,31,104],[34,51,34,68],[34,69,34,86],[34,87,34,104],[33,2,33,5],[33,21,33,35],[33,36,33,50],[33,51,33,68],[33,69,33,86],[33,6,33,12],[33,13,33,20],[34,6,34,12],[33,87,33,104],[34,2,34,5],[34,21,34,35],[41,2,41,5],[41,21,41,35],[41,36,41,50],[41,51,41,68],[41,69,41,86],[41,87,41,104],[37,2,37,104],[38,2,38,104],[39,2,39,20],[39,51,39,68],[41,6,41,12],[41,13,41,20],[39,21,40,35],[39,36,40,50],[39,69,40,86],[40,2,40,20],[40,51,40,68],[40,87,40,104],[39,87,39,104],[42,87,42,104],[43,2,43,5],[43,21,43,35],[43,36,43,50],[43,51,43,68],[43,69,43,86],[43,87,43,104],[42,2,42,5],[42,21,42,35],[42,36,42,50],[42,51,42,68],[42,69,42,86],[42,6,42,12],[42,13,42,20],[43,6,43,12],[43,13,43,20],[48,87,48,104],[60,2,60,86],[60,87,60,104],[55,2,55,17],[55,18,55,86],[55,87,55,104],[44,2,44,86],[44,87,44,104],[50,79,50,86],[50,87,50,104],[49,2,49,5],[49,6,49,14],[49,79,49,86],[49,87,49,104],[45,2,45,104],[46,2,46,104],[47,2,47,14],[47,87,47,104],[51,2,51,86],[50,2,50,5],[50,6,50,14],[51,87,51,104],[52,2,52,104],[47,15,47,31],[56,87,56,104],[56,2,56,86],[62,2,62,86],[71,3,71,103],[72,3,72,4],[72,6,72,102],[57,2,57,86],[57,87,57,104],[69,3,69,4],[69,6,69,102],[70,3,70,4],[58,2,58,86],[58,87,58,104],[70,6,70,102],[59,2,59,86],[59,87,59,104],[85,1,85,105],[86,1,86,105],[87,1,87,105],[88,1,88,105],[61,2,61,86],[61,87,61,104],[62,87,62,104],[63,2,63,104],[64,2,64,104],[65,2,65,104],[66,3,66,4],[66,6,66,102],[67,3,67,4],[67,6,67,102],[68,3,68,4],[68,6,68,102],[78,6,78,102],[79,3,79,4],[79,6,79,102],[80,2,80,104],[74,3,74,103],[75,3,75,4],[81,2,81,104],[84,1,84,105],[73,3,73,4],[73,6,73,102],[76,3,76,4],[76,6,76,102],[75,6,75,102],[77,3,77,103],[78,3,78,4],[82,2,82,104],[83,2,83,104]]}
[]
[]
[null,"Income Calculations Worksheet"]
[null,"Base Earnings, Bonus, Commissions, Overtime, Other"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,"Employer:"]
[]
[]
[null,null,"CURRENT RATE OF PAY & BASE EARNINGS"]
[null,null,"Reference",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Document",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rate of Pay",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pay Period",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D589","v":"Weekly"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly"]
[null,null,"(Document)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Frequency",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hours Worked",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earnings"]
[null,null,"Written VOE",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AZ14=\"Hourly (H)\",40,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D537","v":0}]
[null,null,null,null,null,"Qualifying at current base (borrower has received pay increase since beginning of year and/or explanation below)"]
[null,null,"Base Pay Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date From",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date To",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Months",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly"]
[null,null,"(include in calcs)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gov Pay #",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earnings",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earnings"]
[null,null,null,null,null,null,"YTD",null,null,null,null,null,null,2020,null,null,null,null,null,null,null,{"$f":"DATE(N18,1,1)","v":"2020-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D540","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F544","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G544","v":""}]
[null,null,null,null,null,null,"Year",null,null,null,null,null,null,{"$f":"N18-1","v":2019},null,null,null,null,null,null,null,{"$f":"DATE(N19,1,1)","v":"2019-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"DATE(N19,12,31)","v":"2019-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F545","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G545","v":""}]
[null,null,null,null,null,null,"Year",null,null,null,null,null,null,{"$f":"N18-2","v":2018},null,null,null,null,null,null,null,{"$f":"DATE(N20,1,1)","v":"2018-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"DATE(N20,12,31)","v":"2018-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F546","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G546","v":""}]
[null,null,"Total Qualifying Base Income (must be lower of current rate or YTD average)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G547","v":0}]
[]
[null,null,"OVERTIME"]
[null,null,"Base Pay Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date From",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date To",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Months",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly"]
[null,null,"(include in calcs)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earnings",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,null,null,null,null,null,null,null,"Earnings"]
[null,null,null,null,null,null,"YTD",null,null,null,null,null,null,{"$f":"$N$18","v":2020},null,null,null,null,null,null,null,{"$f":"$V$18","v":"2020-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$AK$18","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I606","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G606","v":""}]
[null,null,null,null,null,null,"Year",null,null,null,null,null,null,{"$f":"$N$19","v":2019},null,null,null,null,null,null,null,{"$f":"$V$19","v":"2019-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$AK$19","v":"2019-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I607","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G607","v":""}]
[null,null,null,null,null,null,"Year",null,null,null,null,null,null,{"$f":"$N$20","v":2018},null,null,null,null,null,null,null,{"$f":"$V$20","v":"2018-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$AK$20","v":"2018-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I608","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G608","v":""}]
[null,null," Total Average Additional Earnings (underwriter to determine if allowable)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!J609","v":0}]
[]
[null,null,"BONUS"]
[null,null,"Base Pay Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date From",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date To",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Months",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly"]
[null,null,"(include in calcs)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earnings",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,null,null,null,null,null,null,null,"Earnings"]
[null,null,null,null,null,null,"YTD",null,null,null,null,null,null,{"$f":"$N$18","v":2020},null,null,null,null,null,null,null,{"$f":"$V$18","v":"2020-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$AK$18","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I622","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G622","v":""}]
[null,null,null,null,null,null,"Year",null,null,null,null,null,null,{"$f":"$N$19","v":2019},null,null,null,null,null,null,null,{"$f":"$V$19","v":"2019-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$AK$19","v":"2019-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I623","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G623","v":""}]
[null,null,null,null,null,null,"Year",null,null,null,null,null,null,{"$f":"$N$20","v":2018},null,null,null,null,null,null,null,{"$f":"$V$20","v":"2018-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$AK$20","v":"2018-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I624","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G624","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!J625","v":0}]
[]
[null,null,"COMMISSIONS"]
[null,null,"Base Pay Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date From",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date To",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Months",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly"]
[null,null,"(include in calcs)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earnings",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,null,null,null,null,null,null,null,"Earnings"]
[null,null,null,null,null,null,"YTD",null,null,null,null,null,null,{"$f":"$N$18","v":2020},null,null,null,null,null,null,null,{"$f":"$V$18","v":"2020-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$AK$18","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I638","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G638","v":""}]
[null,null,null,null,null,null,"Year",null,null,null,null,null,null,{"$f":"$N$19","v":2019},null,null,null,null,null,null,null,{"$f":"$V$19","v":"2019-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$AK$19","v":"2019-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I639","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G639","v":""}]
[null,null,null,null,null,null,"Year",null,null,null,null,null,null,{"$f":"$N$20","v":2018},null,null,null,null,null,null,null,{"$f":"$V$20","v":"2018-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"$AK$20","v":"2018-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I640","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G640","v":""}]
[null,null," Total Average Additional Earnings (underwriter to determine if allowable)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!J641","v":0}]
[]
[null,null,"UNREIMBURSED EMPLOYEE EXPENSES"]
[null,null,"Income Tax",null,null,null,null,null,null,null,null,null,null,null,null,"Total Amount",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Depreciation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Business",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Business Miles",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mos",null,null,null,null,null,null,null,"Monthly"]
[null,null,"Period (year)",null,null,null,null,null,null,null,null,null,null,null,null,"Claimed",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,null,null,null,null,"Miles",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Addback",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Average"]
[null,null,null,null,null,null,{"$f":"N19","v":2019},null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F552","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(P50=0,\"\",12)","v":""},null,null,null,null,null,null,null,{"$f":"Data_Income!K552","v":""}]
[null,null,null,null,null,null,{"$f":"N20","v":2018},null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F553","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(P51=0,\"\",12)","v":""},null,null,null,null,null,null,null,{"$f":"Data_Income!K553","v":""}]
[null,null,"Total Average Unreimbursed Employee Expenses",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,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,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,{"$f":"Data_Income!K554","v":0}]
[null,null," May addback Depreciation -OR- Business Miles (if both are entered \"Error Dep & Buss\" will be displayed).\n Depreciation Amount is located on Form 2106, page 2, line 28.\n Business Miles are located on Form 2106, line 13 -or- Form 2106-EZ,  line 8a.\n FNMA Depreciation Factor per mile (Year 2014 = 22¢, Year 2015 = 24¢, Year 2016 = 24¢, Year 2017 = 25¢, Year 2018 = 25¢)."]
[]
[null,null,"FINAL MONTHLY INCOME RECONCILIATION"]
[null,null," Base Earnings",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F354","v":"(lower of Current Rate or YTD avg, or explanation provided)"},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,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,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D652","v":0}]
[null,null," Total Average Unreimbursed Employee Expenses (deduct from Base Earnings)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D653","v":0}]
[null,null," Total Calculated Base Earnings (Gross Base Earnings less Unreimbursed Expenses)",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,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,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,{"$f":"Data_Income!D654","v":0}]
[null,null,{"$f":"Data_Income!F359","v":" Total 0 Months Average Monthly Overtime Earnings"},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,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,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,{"$f":"Data_Income!D657","v":0}]
[null,null,{"$f":"Data_Income!F362","v":" Total 0 Months Average Monthly Bonus Earnings"},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,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,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,{"$f":"Data_Income!D660","v":0}]
[null,null,{"$f":"Data_Income!F365","v":" Total 0 Months Average Monthly Commissions Earnings"},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,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,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,{"$f":"Data_Income!D663","v":0}]
[null,null," Other Additions or Subtractions to Income (provide explanation below)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Total Calculated Base Earnings that may be included in Qualifying Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D667","v":0}]
[]
[null,null,"STATISTICS"]
[]
[null,null,null,"●",null,null,{"$f":"Data_Income!D671","v":"Variances in earnings not determined."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D681","v":"Total qualifying income to be determined."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D683","v":"Average weekly hours worked to be determined."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D685","v":"Expected amount of YTD earnings to be determined."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D687","v":"Total Average Base Earnings and period covered to be determined."}]
[null,null,null,{"$f":"Data_Income!A391","v":"OVERTIME Earnings"}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D690","v":"Variances in earnings not determined."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D691","v":"Total Average Base Earnings and period covered to be determined."}]
[null,null,null,{"$f":"Data_Income!A395","v":"BONUS Earnings"}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D694","v":"Variances in earnings not determined."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D695","v":"Total Average Base Earnings and period covered to be determined."}]
[null,null,null,{"$f":"Data_Income!A399","v":"COMMISSIONS Earnings"}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D698","v":"Variances in earnings not determined."}]
[null,null,null,"●",null,null,{"$f":"Data_Income!D699","v":"Total Average Base Earnings and period covered to be determined."}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Military","index":27,"n_rows":52,"n_cols":91,"rows_kept":52,"cut":false,"hidden":true,"merged":[[0,1,0,105],[36,2,36,104],[31,6,31,14],[32,2,32,5],[32,6,32,14],[1,1,1,105],[2,1,2,105],[3,1,3,105],[4,1,4,105],[21,2,21,104],[8,2,8,104],[35,2,35,104],[32,79,32,86],[19,87,19,104],[20,2,20,33],[19,69,19,86],[29,15,29,31],[15,36,15,50],[19,36,19,50],[32,63,32,78],[25,2,25,38],[26,2,26,38],[29,63,29,78],[24,2,24,38],[48,1,48,105],[49,1,49,105],[50,1,50,105],[51,1,51,105],[31,79,31,86],[30,87,30,104],[29,32,30,47],[29,79,30,86],[11,36,12,50],[38,2,38,86],[38,87,38,104],[47,1,47,105],[42,2,42,86],[42,87,42,104],[43,2,43,104],[41,2,41,86],[41,87,41,104],[44,2,44,104],[45,2,45,104],[46,2,46,104],[40,2,40,86],[40,87,40,104],[19,51,19,68],[18,51,18,68],[22,0,27,0],[44,0,46,0],[36,0,43,0],[33,2,33,86],[31,87,31,104],[33,87,33,104],[34,2,34,104],[39,2,39,86],[39,87,39,104],[28,2,28,104],[29,87,29,104],[32,87,32,104],[37,2,37,86],[37,87,37,104],[28,0,34,0],[27,2,27,104],[29,2,29,14],[31,2,31,5],[32,15,32,31],[32,32,32,47],[32,48,32,62],[23,54,23,104],[29,48,29,62],[31,15,31,31],[23,2,23,38],[23,39,23,53],[30,2,30,14],[30,15,30,31],[30,48,30,62],[30,63,30,78],[31,32,31,47],[31,48,31,62],[31,63,31,78],[26,39,26,53],[5,0,7,0],[11,69,11,86],[11,87,11,104],[10,0,20,0],[9,2,9,104],[15,69,16,86],[16,36,16,46],[16,47,16,50],[13,2,13,20],[13,21,13,35],[17,36,17,50],[17,51,17,68],[17,21,17,35],[18,21,18,35],[18,36,18,50],[15,21,16,35],[5,2,5,104],[19,21,19,35],[17,6,17,12],[17,13,17,20],[18,6,18,12],[18,13,18,20],[19,6,19,12],[17,69,17,86],[11,2,11,20],[11,21,11,35],[11,51,11,68],[13,87,13,104],[12,2,12,20],[12,21,12,35],[26,90,26,104],[24,54,24,89],[25,54,25,89],[26,54,26,89],[18,2,18,5],[19,13,19,20],[16,87,16,104],[24,39,24,53],[25,39,25,53],[22,2,22,53],[22,54,22,104],[17,87,17,104],[18,87,18,104],[20,34,20,86],[20,87,20,104],[18,69,18,86],[24,90,24,104],[25,90,25,104],[12,51,12,68],[12,69,12,86],[12,87,12,104],[15,51,15,68],[15,87,15,104],[16,51,16,68],[6,2,6,13],[19,2,19,5],[6,14,6,68],[6,69,6,81],[6,82,6,104],[17,2,17,5],[15,2,15,20],[16,2,16,20],[7,2,7,13],[14,2,14,4],[14,5,14,104],[7,14,7,68],[7,69,7,81],[7,82,7,104],[13,36,13,50],[13,69,13,86],[13,51,13,68],[10,2,10,104]]}
[]
[]
[null,"Income Calculations Worksheet"]
[null,"Military / Active Duty"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[null,null,"Employer:",null,null,null,null,null,null,null,null,null,null,null," ~ SELECT BRANCH OF SERVICE ~",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,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,"ETS/EAS:"]
[]
[]
[null,null,"CURRENT RATE OF PAY & BASE EARNINGS"]
[null,null,"Reference",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Document",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rate of Pay",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Pay Period",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D766","v":"Weekly"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly"]
[null,null,"(Document)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Frequency",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hours Worked",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earnings"]
[null,null,"Paystub",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AZ14=\"Hourly (H)\",40,\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D739","v":""}]
[null,null,null,null,null,"Click here if borrower has received pay increase since beginning of year and qualifying at current increased pay"]
[null,null,"Base Pay Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date From",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date To",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Months",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly"]
[null,null,"(include in calcs)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gov Pay #",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earnings",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Earnings"]
[null,null,null,null,null,null,"YTD",null,null,null,null,null,null,2020,null,null,null,null,null,null,null,{"$f":"DATE(N18,1,1)","v":"2020-01-01"},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,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F744","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G744","v":""}]
[null,null,null,null,null,null,"Year",null,null,null,null,null,null,{"$f":"N18-1","v":2019},null,null,null,null,null,null,null,{"$f":"DATE(N19,1,1)","v":"2019-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"DATE(N19,12,31)","v":"2019-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F745","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G745","v":""}]
[null,null,null,null,null,null,"Year",null,null,null,null,null,null,{"$f":"N18-2","v":2018},null,null,null,null,null,null,null,{"$f":"DATE(N20,1,1)","v":"2018-01-01"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"DATE(N20,12,31)","v":"2018-12-31"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F746","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G746","v":""}]
[null,null,"Total Qualifying Base Income",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,null,null,null,{"$f":"IF(AZ14=\"Hourly (H)\",CONCATENATE(\"(actual earnings reflect avg of \",IF(CJ18>CJ14,\"40+\",ROUNDUP((AZ18/ROUNDUP((AK18-V18)/7,0))/AK14,1)),\" hours per week)\"),IF(OR(AZ14=\"Part-Time\",AZ14=\"Seasonal\",AZ14=\"Varies\"),CONCATENATE(\"Total Average Earnings For The Past \",SUM(BR18:BR20),\" Months\"),\"(must be lower of current rate or YTD average)\"))","v":"(must be lower of current rate or YTD average)"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G747","v":0}]
[]
[null,null,"BAH CALCULATIONS",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"BAS CALCULATIONS"]
[null,null,"  Zip Code used for BAH amount",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,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D803","v":"BAS rate for year 2020"}]
[null,null,"  BAH Amount ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  BAS Amount",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"  Gross up percentage",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"  Gross up percentage",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"IF(AN26<>0,CONCATENATE(\"  Calculated BAH (grossed up) \",AN26*100,\"%\"),\"  Calculated BAH (not grossed up)\")","v":"  Calculated BAH (not grossed up)"},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,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D808","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(CM26<>0,CONCATENATE(\"  Calculated BAS (grossed up) \",CM26*100,\"%\"),\"  Calculated BAS (not grossed up)\")","v":"  Calculated BAS (not grossed up)"},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,null,null,null,null,null,null,null,{"$f":"Data_Income!D809","v":0}]
[]
[null,null,"UNREIMBURSED EMPLOYEE EXPENSES\nDept of VA requires the Total Average Unreimbursed Employee Expenses\nbe listed as a liabiity, included in ratios (cannot be deducted from income)."]
[null,null,"Income Tax",null,null,null,null,null,null,null,null,null,null,null,null,"Total Amount",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Depreciation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Business",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Business Miles",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mos",null,null,null,null,null,null,null,"Monthly"]
[null,null,"Period (year)",null,null,null,null,null,null,null,null,null,null,null,null,"Claimed",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Miles",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Addback",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Average"]
[null,null,null,null,null,null,{"$f":"+N19","v":2019},null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F789","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(P32=\"\",\"\",12)","v":12},null,null,null,null,null,null,null,{"$f":"Data_Income!K789","v":""}]
[null,null,null,null,null,null,{"$f":"+N20","v":2018},null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F790","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(P33=\"\",\"\",12)","v":12},null,null,null,null,null,null,null,{"$f":"Data_Income!K790","v":""}]
[null,null,"Total Average Unreimbursed Employee Expenses",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!K791","v":0}]
[null,null," May addback Depreciation -OR- Business Miles (if both are entered \"Error Dep & Buss\" will be displayed).\n Depreciation Amount is located on Form 2106, page 2, line 28.\n Business Miles are located on Form 2106, line 13 -or- Form 2106-EZ,  line 8a.\n FNMA Depreciation Factor per mile (Year 2014 = 22¢, Year 2015 = 24¢, Year 2016 = 24¢, Year 2017 = 25¢, Year 2018 = 25¢)."]
[]
[null,null,"FINAL MONTHLY INCOME RECONCILIATION"]
[null,null," Base Earnings (must be lower of Current Rate or YTD avg or explanation provided)",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,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,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,{"$f":"Data_Income!D807","v":0}]
[null,null,{"$f":"C27","v":"  Calculated BAH (not grossed up)"},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,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,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,{"$f":"Data_Income!D808","v":0}]
[null,null,{"$f":"BC27","v":"  Calculated BAS (not grossed up)"},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,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,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,{"$f":"Data_Income!D809","v":0}]
[null,null," Total Average Unreimbursed Employee Expenses (deduct from Base Earnings)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!K791","v":0}]
[null,null," Other Additions or Subtractions to Income (provide explanation below)",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,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,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," Grand Total Monthly Earnings",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,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,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,{"$f":"Data_Income!D812","v":0}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Other Income","index":28,"n_rows":43,"n_cols":90,"rows_kept":43,"cut":false,"hidden":true,"merged":[[24,89,24,104],[25,89,25,104],[24,80,24,88],[25,80,25,88],[23,2,23,44],[23,45,23,65],[23,66,23,79],[24,2,24,44],[24,45,24,65],[24,66,24,79],[23,80,23,88],[23,89,23,104],[16,45,16,65],[11,45,11,65],[11,2,11,44],[19,2,19,104],[11,66,11,79],[12,66,12,79],[14,66,14,79],[15,66,15,79],[16,66,16,79],[11,80,11,88],[16,80,16,88],[16,89,16,104],[13,80,13,88],[13,89,13,104],[12,80,12,88],[12,89,12,104],[11,89,11,104],[10,2,10,17],[10,18,10,104],[38,1,38,105],[12,45,12,65],[12,2,12,44],[13,2,13,44],[13,45,13,65],[14,2,14,44],[14,45,14,65],[15,2,15,44],[15,45,15,65],[13,66,13,79],[33,2,33,104],[37,2,37,104],[30,2,30,104],[32,2,32,104],[31,2,31,104],[34,2,34,88],[34,89,34,104],[35,2,35,88],[25,2,25,44],[25,45,25,65],[25,66,25,79],[16,2,16,44],[0,1,0,105],[18,2,18,104],[22,18,22,104],[20,2,20,104],[21,2,21,104],[9,2,9,104],[22,2,22,17],[1,1,1,105],[2,1,2,105],[3,1,3,105],[4,1,4,105],[5,2,5,104],[6,14,6,68],[6,69,6,81],[6,82,6,104],[7,2,7,104],[6,2,6,13],[17,2,17,88],[17,89,17,104],[8,2,8,104],[15,80,15,88],[15,89,15,104],[14,80,14,88],[14,89,14,104],[26,2,26,44],[26,45,26,65],[26,66,26,79],[29,2,29,88],[27,66,27,79],[27,2,27,44],[27,45,27,65],[26,89,26,104],[27,89,27,104],[28,89,28,104],[26,80,26,88],[27,80,27,88],[28,80,28,88],[39,1,39,105],[40,1,40,105],[41,1,41,105],[42,1,42,105],[35,89,35,104],[36,2,36,88],[36,89,36,104],[29,89,29,104],[28,2,28,44],[28,45,28,65],[28,66,28,79]]}
[]
[]
[null,"Income Calculations Worksheet"]
[null,"Non-Taxable and Other Income"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[]
[]
[null,null,"BORROWER'S NON-TAXABLE AND OTHER INCOME"]
[null,null," Borrower:"]
[null,null,"Income Source",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Document\nType\n(select)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross\nMonthly\nEarnings",null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross-Up\nPercet\nmax 25%",null,null,null,null,null,null,null,null,"Grossed-Up\nMonthly Earnings"]
[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,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,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,null,null,null,null,null,{"$f":"IF(OR(BO13<>\"\",BO13<>0),ROUND(BO13+(BO13*CC13),0),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(BO14<>\"\",BO14<>0),ROUND(BO14+(BO14*CC14),0),\"\")","v":""}]
[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,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,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,null,null,null,null,null,{"$f":"IF(OR(BO15<>\"\",BO15<>0),ROUND(BO15+(BO15*CC15),0),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(BO16<>\"\",BO16<>0),ROUND(BO16+(BO16*CC16),0),\"\")","v":""}]
[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,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,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,null,null,null,null,null,{"$f":"IF(OR(BO17<>\"\",BO17<>0),ROUND(BO17+(BO17*CC17),0),\"\")","v":""}]
[null,null," Total Non-Taxable and Other Income Qualifying Income for Borrower",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(CL13:DA17)","v":0}]
[null,null,"NOTES"]
[]
[]
[null,null,"CO-BORROWER'S NON-TAXABLE AND OTHER INCOME"]
[null,null," Co-Borrower:"]
[null,null,"Income Source",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Document\nType\n(select)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross\nMonthly\nEarnings",null,null,null,null,null,null,null,null,null,null,null,null,null,"Gross-Up\nPercet\nmax 25%",null,null,null,null,null,null,null,null,"Grossed-Up\nMonthly Earnings"]
[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,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,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,null,null,null,null,null,{"$f":"IF(OR(BO25<>\"\",BO25<>0),ROUND(BO25+(BO25*CC25),0),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(BO26<>\"\",BO26<>0),ROUND(BO26+(BO26*CC26),0),\"\")","v":""}]
[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,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,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,null,null,null,null,null,{"$f":"IF(OR(BO27<>\"\",BO27<>0),ROUND(BO27+(BO27*CC27),0),\"\")","v":""}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(OR(BO28<>\"\",BO28<>0),ROUND(BO28+(BO28*CC28),0),\"\")","v":""}]
[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,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,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,null,null,null,null,null,{"$f":"IF(OR(BO29<>\"\",BO29<>0),ROUND(BO29+(BO29*CC29),0),\"\")","v":""}]
[null,null," Total Non-Taxable and Other Income Qualifying Income for Co-Borrower",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(CL25:DA29)","v":0}]
[null,null,"NOTES"]
[]
[]
[null,null,"FINAL NON-TAXABLE AND OTHER MONTHLY INCOME RECONCILIATION"]
[null,null," Borrower Total Non-Taxable and Other Qualifying Income",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,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,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,null,null,{"$f":"CL18","v":0}]
[null,null," Co-Borrower Total Non-Taxable and Other Qualifying Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CL30","v":0}]
[null,null," Grand Total Non-Taxable and Other Qualifying Base Income ",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,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,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,null,null,{"$f":"CL35+CL36","v":0}]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Asset Income","index":29,"n_rows":187,"n_cols":90,"rows_kept":187,"cut":false,"hidden":true,"merged":[[179,30,179,48],[179,49,179,105],[178,6,178,29],[178,30,178,48],[178,49,178,105],[182,6,182,29],[182,30,182,48],[182,49,182,105],[181,6,181,29],[181,30,181,48],[181,49,181,105],[220,1,220,105],[221,1,221,105],[164,1,164,2],[164,3,164,105],[165,1,165,2],[165,3,165,105],[166,1,166,2],[166,3,166,105],[168,1,168,2],[168,3,168,105],[169,1,169,2],[169,3,169,105],[170,1,170,2],[170,3,170,5],[170,6,170,105],[171,1,171,2],[171,3,171,5],[171,6,171,105],[172,1,172,2],[172,3,172,5],[172,6,172,105],[173,1,173,2],[173,3,173,5],[173,6,173,105],[211,1,211,105],[212,1,212,105],[213,1,213,105],[214,1,214,105],[215,1,215,105],[216,1,216,105],[217,1,217,105],[218,1,218,105],[219,1,219,105],[202,1,202,105],[203,1,203,105],[204,1,204,105],[205,1,205,105],[206,1,206,105],[207,1,207,105],[208,1,208,105],[209,1,209,105],[210,1,210,105],[193,1,193,105],[194,1,194,105],[195,1,195,105],[196,1,196,105],[197,1,197,105],[198,1,198,105],[199,1,199,105],[200,1,200,105],[201,1,201,105],[184,1,184,105],[187,1,187,105],[188,1,188,105],[189,1,189,105],[190,1,190,105],[191,1,191,105],[192,1,192,105],[185,1,185,2],[185,3,185,105],[186,1,186,2],[186,3,186,105],[183,1,183,105],[175,1,175,2],[175,3,175,5],[175,6,175,105],[176,1,176,2],[176,3,176,5],[176,6,176,105],[177,1,177,2],[177,3,177,5],[177,6,177,105],[178,1,178,2],[178,3,178,5],[179,1,179,2],[179,3,179,5],[180,1,180,2],[180,3,180,5],[181,1,181,2],[181,3,181,5],[182,1,182,2],[182,3,182,5],[180,6,180,29],[180,30,180,48],[180,49,180,105],[179,6,179,29],[167,1,167,105],[174,1,174,2],[174,3,174,5],[174,6,174,105],[145,1,145,2],[145,3,145,5],[145,6,145,105],[146,1,146,2],[146,3,146,5],[146,6,146,105],[147,1,147,2],[147,3,147,5],[147,6,147,105],[155,1,155,105],[156,1,156,105],[157,1,157,105],[160,1,160,105],[161,1,161,105],[158,1,158,2],[158,3,158,105],[159,1,159,2],[159,3,159,105],[162,1,162,2],[162,3,162,105],[142,1,142,2],[142,3,142,5],[142,6,142,105],[143,1,143,2],[143,3,143,5],[143,6,143,105],[144,1,144,2],[144,3,144,5],[144,6,144,105],[138,1,138,2],[138,3,138,105],[139,1,139,2],[139,3,139,105],[140,1,140,2],[140,3,140,105],[141,1,141,2],[141,3,141,5],[141,6,141,105],[131,3,131,105],[134,1,134,2],[134,3,134,105],[135,1,135,2],[135,3,135,105],[136,1,136,2],[136,3,136,105],[137,1,137,2],[137,3,137,105],[131,1,131,2],[114,1,114,2],[114,3,114,105],[115,1,115,2],[115,3,115,5],[115,6,115,105],[116,1,116,2],[116,3,116,5],[116,6,116,105],[117,1,117,2],[117,3,117,105],[118,1,118,2],[118,3,118,105],[119,1,119,2],[119,3,119,105],[120,1,120,2],[120,3,120,5],[120,6,120,105],[121,1,121,2],[121,3,121,5],[121,6,121,105],[163,1,163,2],[163,3,163,105],[150,1,150,105],[151,1,151,105],[152,1,152,105],[148,1,148,2],[148,3,148,5],[148,6,148,105],[149,1,149,2],[149,3,149,5],[149,6,149,105],[153,1,153,2],[153,3,153,105],[154,1,154,2],[154,3,154,105],[50,89,50,104],[71,2,71,104],[72,1,72,105],[68,2,68,88],[68,89,68,104],[69,2,69,88],[69,89,69,104],[70,2,70,88],[70,89,70,104],[64,2,64,104],[65,2,65,104],[66,2,66,104],[53,2,53,88],[53,89,53,104],[54,2,54,88],[55,89,55,104],[61,2,61,88],[62,2,62,88],[61,89,61,104],[59,2,59,42],[59,43,59,49],[59,50,59,69],[59,70,59,77],[59,78,59,88],[122,1,122,2],[122,3,122,105],[125,1,125,2],[125,3,125,105],[126,1,126,2],[40,2,40,88],[29,2,29,104],[30,2,30,104],[31,2,31,104],[91,1,91,105],[92,1,92,105],[93,1,93,105],[94,1,94,105],[95,1,95,105],[96,1,96,105],[97,1,97,105],[79,1,79,105],[80,1,80,105],[81,1,81,105],[82,1,82,105],[47,2,47,88],[47,89,47,104],[48,2,48,88],[50,2,50,88],[128,1,128,2],[128,3,128,105],[129,1,129,2],[129,3,129,105],[130,1,130,2],[130,3,130,105],[126,3,126,105],[127,1,127,2],[127,3,127,105],[48,89,48,104],[49,2,49,88],[49,89,49,104],[20,89,20,104],[21,89,21,104],[22,89,22,104],[23,89,23,104],[24,89,24,104],[25,89,25,104],[26,89,26,104],[27,89,27,104],[25,2,25,88],[26,2,26,88],[27,2,27,88],[33,2,33,88],[34,2,34,88],[35,2,35,88],[36,2,36,88],[37,2,37,88],[38,2,38,88],[39,2,39,88],[32,2,32,88],[28,2,28,104],[42,2,42,88],[10,2,10,62],[10,63,10,78],[10,79,10,88],[10,89,10,104],[19,89,19,104],[15,63,15,78],[15,79,15,88],[15,89,15,104],[16,63,16,78],[16,79,16,88],[16,89,16,104],[17,63,17,78],[17,79,17,88],[17,89,17,104],[11,2,11,62],[12,2,12,62],[13,2,13,62],[14,2,14,62],[15,2,15,62],[16,2,16,62],[17,2,17,62],[18,2,18,62],[11,79,11,88],[11,89,11,104],[11,63,11,78],[12,63,12,78],[12,79,12,88],[12,89,12,104],[13,63,13,78],[13,79,13,88],[13,89,13,104],[14,63,14,78],[14,79,14,88],[14,89,14,104],[18,63,18,78],[18,79,18,88],[18,89,18,104],[19,2,19,88],[20,2,20,88],[21,2,21,88],[22,2,22,88],[23,2,23,88],[24,2,24,88],[42,89,42,104],[43,2,43,88],[43,89,43,104],[44,2,44,88],[44,89,44,104],[45,2,45,88],[45,89,45,104],[46,2,46,88],[46,89,46,104],[32,89,32,104],[33,89,33,104],[34,89,34,104],[35,89,35,104],[36,89,36,104],[37,89,37,104],[38,89,38,104],[39,89,39,104],[40,89,40,104],[0,1,0,105],[1,1,1,105],[2,1,2,105],[3,1,3,105],[4,1,4,105],[5,2,5,104],[9,2,9,104],[6,2,6,13],[6,14,6,68],[6,69,6,81],[6,82,6,104],[7,2,7,104],[8,2,8,104],[124,1,124,105],[132,1,132,105],[123,1,123,105],[110,32,110,105],[112,1,112,105],[113,1,113,105],[133,1,133,105],[85,1,85,2],[85,3,85,105],[86,1,86,2],[86,3,86,105],[87,1,87,2],[87,3,87,105],[88,1,88,2],[88,3,88,105],[89,1,89,2],[89,3,89,105],[90,1,90,2],[90,3,90,105],[109,1,109,31],[109,32,109,105],[108,32,108,105],[107,32,107,105],[100,1,100,105],[111,1,111,31],[111,32,111,105],[41,2,41,104],[51,2,51,104],[56,2,56,88],[56,89,56,104],[57,2,57,88],[60,2,60,88],[63,2,63,88],[57,89,57,104],[60,89,60,104],[63,89,63,104],[52,2,52,88],[52,89,52,104],[110,1,110,31],[101,1,101,105],[102,1,102,105],[103,1,103,105],[106,32,106,105],[105,32,105,105],[105,1,105,31],[106,1,106,31],[54,89,54,104],[55,2,55,88],[58,89,59,104],[73,1,73,105],[74,1,74,105],[75,1,75,105],[76,1,76,105],[62,89,62,104],[107,1,107,31],[108,1,108,31],[104,32,104,105],[104,1,104,31],[67,2,67,104],[83,1,83,105],[84,1,84,105],[98,1,98,105],[99,1,99,105],[78,1,78,105],[58,2,58,42],[58,43,58,49],[58,50,58,69],[58,70,58,77],[58,78,58,88]]}
[]
[]
[null,"Income Calculations Worksheet"]
[null,"Income from Assets (FNMA use only)"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[]
[]
[null,null,"INCOME FROM EMPLOYMENT-RELATED ASSETS"]
[null,null,"Asset Type\n(see guidelines below)",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,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,null,null,null,null,"Account\nBalance",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Withdraw\nPenalty\n%",null,null,null,null,null,null,null,null,null,"Eligible\nDocumented\nAssets"]
[null,null," Borrower - 401(K)",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,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,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,null,null,{"$f":"Data_Income!H1530","v":0}]
[null,null," Borrower - IRA, Roth IRA",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1531","v":0}]
[null,null," Borrower - Stocks, Bonds & Mutual Funds",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,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,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,null,null,{"$f":"Data_Income!H1532","v":0}]
[null,null," Borrower - Other",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1533","v":0}]
[null,null," Co-Borrower - 401(K)",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,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,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,null,null,{"$f":"Data_Income!H1536","v":0}]
[null,null," Co-Borrower - IRA, Roth IRA",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1537","v":0}]
[null,null," Co-Borrower - Stocks, Bonds & Mutual Funds",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,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,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,null,null,{"$f":"Data_Income!H1538","v":0}]
[null,null," Co-Borrower - Other",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1539","v":0}]
[null,null," Sub-Total Eligible Documented Assets",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,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,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,null,null,{"$f":"Data_Income!H1566","v":0}]
[null,null," Less Funds Required for Closing"]
[null,null,{"$f":"Data_Income!C1568","v":" Sub-Total Eligible Documented Assets"},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,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,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,null,null,{"$f":"Data_Income!H1568","v":0}]
[null,null," Less Net Factor (30% of the remaining value of any stocks, bonds, or mutual funds)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1569","v":0}]
[null,null," Net Documented Assets",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,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,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,null,null,{"$f":"Data_Income!H1570","v":0}]
[null,null," Loan Term",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,360]
[null,null," Borrower - Monthly Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1572","v":0}]
[null,null," Co-Borrower - Monthly Income",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,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,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,null,null,{"$f":"Data_Income!H1573","v":0}]
[null,null," Grand Total Monthly Income Combined",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1574","v":0}]
[null,null,"NOTES"]
[]
[]
[null,null,"INCOME FROM LIQUID ASSETS (NOT EMPLOYMENT-RELATED)"]
[null,null,"Asset Type\n(see guidelines below)",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,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,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,null,null,"Eligible\nDocumented\nAssets Balance"]
[null,null," Borrower - 401(K)"]
[null,null," Borrower - IRA, Roth IRA"]
[null,null," Borrower - Stocks, Bonds & Mutual Funds"]
[null,null," Borrower - Other"]
[null,null," Co-Borrower - 401(K)"]
[null,null," Co-Borrower - IRA, Roth IRA"]
[null,null," Co-Borrower - Stocks, Bonds & Mutual Funds"]
[null,null," Co-Borrower - Other"]
[null,null,"INCOME STREAM CALCULATION  ―  OPTION 1"]
[null,null," Sub-Total Eligible Documented Assets",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,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,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,null,null,{"$f":"Data_Income!H1615","v":0}]
[null,null," Less Funds Required for Closing"]
[null,null," Sub-Total Eligible Documented Assets",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1617","v":0}]
[null,null," Less Net Factor (30% of the remaining value of any stocks, bonds, or mutual funds)",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,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,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,null,null,{"$f":"Data_Income!H1618","v":0}]
[null,null," Net Documented Assets",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1619","v":0}]
[null,null," Loan Term",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,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,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,null,null,360]
[null,null," Borrower - Monthly Income",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,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,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,null,null,{"$f":"Data_Income!H1621","v":0}]
[null,null," Co-Borrower - Monthly Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1622","v":0}]
[null,null," Total Monthly Income",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,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,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,null,null,{"$f":"Data_Income!H1623","v":0}]
[null,null,"INCOME STREAM CALCULATION  ―  OPTION 2"]
[null,null," Sub-Total Eligible Documented Assets",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1625","v":0}]
[null,null," Less Funds Required for Closing"]
[null,null," Sub-Total Eligible Documented Assets",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,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,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,null,null,{"$f":"Data_Income!H1627","v":0}]
[null,null," Less Net Factor (30% of the remaining value of any stocks, bonds, or mutual funds)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1628","v":0}]
[null,null,{"$f":"Data_Income!C1627","v":" Eligible Net Documented Assets"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1629","v":0}]
[null,null," Future Value",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,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,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,null,null,0]
[null,null,"Mid-Term Federal Interest Rate (2 yr avg)",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,null,null,null,null,null,null,null,null,null,null,null,null,"Date:",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,"Rate:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1631","v":0}]
[null,null,"(Page 2, Table 1, Mid-Term, AFR, Annual)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date:",null,null,null,null,null,null,{"$f":"Data_Income!F1632","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Rate:"]
[null,null," Number of Periods (greater of the term of the mortgage loan in months or 180 months)",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,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,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,null,null,360]
[null,null," Borrower - Monthly Income",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,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,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,null,null,{"$f":"Data_Income!H1634","v":0}]
[null,null," Co-Borrower - Monthly Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1635","v":0}]
[null,null," Total Payment (total borrower monthly income)",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,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,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,null,null,{"$f":"Data_Income!H1636","v":0}]
[null,null,"NOTES"]
[]
[]
[null,null,"FINAL INCOME FROM ASSETS RECONCILIATION"]
[null,null," Borrower Total Income From Assets",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1641","v":0}]
[null,null," Co-Borrower Total Income From Assets",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,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,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,null,null,{"$f":"Data_Income!H1642","v":0}]
[null,null," Grand Total Income From Assets",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1643","v":0}]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]
[]
[null,"INCOME FROM EMPLOYMENT-RELATED ASSETS"]
[null,"Assets used for the calculation of the monthly income stream must be owned individually by the borrower, or the co-owner of the"]
[null,"assets must be a co-borrower of the mortgage loan."]
[]
[null,"The documentation must be in compliance with the Allowable Age of Credit Documents policy."]
[]
[null,"Assets must be liquid and available to the borrower and must be sourced as one of the following: "]
[null,"●",null,"A non-self-employed severance package or non-self-employed lump sum retirement package (a lump sum distribution) — these"]
[null,null,null,"funds must be documented with a distribution letter from the employer (Form 1099–R) and deposited to a verified asset account."]
[null,"●",null,"For 401(k) or IRA, SEP, Keogh retirement accounts – the borrower must have unrestricted access to the funds in the  accounts"]
[null,null,null,"and can only use the accounts if distribution is not already set up or the distribution amount is not enough to qualify. The account"]
[null,null,null,"and its asset composition must be documented with the most recent monthly, quarterly, or annual statement."]
[]
[null,"If a penalty would apply to a distribution of funds from the account made at the time of calculation, then the amount of such penalty"]
[null,"applicable to a complete distribution from the account (after costs for the transaction) must be subtracted to determine the income"]
[null,"stream from these assets."]
[]
[null,"If the employment–related assets are in the form of stocks, bonds, and mutual funds, 70% of the value (remaining after costs for the"]
[null,"transaction and consideration of any penalty) must be used to determine the income stream to account for the volatile nature of"]
[null,"these assets."]
[]
[null,"A borrower shall only be considered to have unrestricted access to a 401(k) or IRA, SEP, Keogh retirement account if the borrower"]
[null,"has, as of the time of calculation, the unqualified and unlimited right to request a distribution of all funds in the account (regardless of"]
[null,"any possible tax withholding or applicable penalty applied to such distribution)."]
[]
[null,"All of the following loan parameters must be met in order for employment-related assets to be used as qualifying income:"]
[null,"Parameter",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,null,null,"Fannie Mae Requirement"]
[null,"Maximum LTV/CLTV/HCLTV",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,null,null,"70%"]
[null,"Minimum Credit Score",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,null,null,"DU: 620  /  Standard: Higher of 620 or minimum Credit Score per the Eligibility Matrix"]
[null,"Loan Purpose",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,null,null,"Purchase and limited cash-out refinance only"]
[null,"Occupancy",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,null,null,"Principal residence and second home only"]
[null,"Number of units",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,null,null,"One- to four-unit properties"]
[null,"Income Calculation/Payout Stream",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,null,null,"Divide “Net Documented Assets” by the amortization term of the mortgage loan (in months)."]
[]
[null,"INCOME FROM LIQUID ASSETS (NOT EMPLOYMENT-RELATED)"]
[null,"Eligibility Requirements:"]
[null,"●",null,"Owner Occupied 1-2 unit or second home only."]
[null,null,null,"●",null,null,"Investment Property and Owner Occupied 3-4 unit properties are not permited"]
[null,null,null,"●",null,null,"Manufactured homes are not permitted."]
[null,"●",null,"Purchase or Rate/Term Refinance:  Maximum 80% LTV/CLTV/HCLTV"]
[null,"●",null,"Cash Out Refinance:  Maximum 60% LTV/CLTV/HCLTV"]
[null,"●",null,"Minimum Credit Scores:"]
[null,null,null,"●",null,null,"680 for loans with LTV 70% or less"]
[null,null,null,"●",null,null,"720 for loans with LTV greater than 70%"]
[null,"●",null,"Loans MUST be underwritten through DU.  LPA not permitted.  Approve/Eligible is required."]
[]
[null,"Underwriting Requirements:"]
[null,"●",null,"The underwriter may convert the borrower's Other Financial Assets into an income stream as described in the calculation below."]
[null,"●",null,"The income derived form the monthly income stream as described below must be entered as \"Other Income\" on the 1003."]
[null,"●",null,"Other financial assets used in the conversion to income technique may not be considered as assets available for closing costs"]
[null,null,null,"and/or reserves."]
[null,"●",null,"Interest, dividends, and capital gains from other financial assets reported on the borrowers tax returns may not be used as"]
[null,null,null,"additional income."]
[null,"●",null,"Reserves follow standard requirements, but reserve requirements may not be satisfied with any of the Other Financial Assets."]
[]
[null,"Requirements for Other Financial Assets being converted to income:"]
[null,"●",null,"Must be owned individually by the borrower, or the co-owner of the assets must also be a co-borrower on the transaction."]
[null,"●",null,"Must be liquid and available to the borrower with no penalty."]
[null,"●",null,"If the Other Financial Assets are in the form of stock, bonds, mutual funds, or US savings bonds, 70% of the value (remaining"]
[null,null,null,"after costs for the transaction) must be used to determine the income stream to account for the volatile nature of these assets."]
[null,"●",null,"If assets are in the form of demand deposit account, savings account, or CD, 100% of the value may be used to determine the"]
[null,null,null,"income stream."]
[null,"●",null,"For the purpose of this guidance \"net documented assets\" are equal to"]
[null,null,null,"●",null,null,"The sum of eligible documented Other Financial Assets minus any funds that will be used for closing or required reserves, and"]
[null,null,null,"●",null,null,"Minus 30% of the remaining value of any stocks, bonds, mutual funds, or US savings bonds assets (after the calculation above)"]
[null,null,null,null,null,null,"Example:"]
[null,null,null,null,null,null,"Checking and savings account $40,000"]
[null,null,null,null,null,null,"IRA (stocks and mutual funds) $500,000"]
[null,null,null,null,null,null,"Funds required for closing (down payment, closing costs, reserves) $100,000"]
[null,null,null,null,null,null,"Remaining IRA assets ($500,000 - $60,000 used at closing) $440,000"]
[null,null,null,null,null,null,"Minus 30% (-$132,000)"]
[null,null,null,null,null,null,"Net documented assets $308,000"]
[]
[null,"Minimum Asset Amount:"]
[null,"The minimum amount of the Other Financial Assets required is as follows:"]
[null,"●",null,"For purchase or rate/term refinance, the lesser of one and one half times the original UPB or $500,000"]
[null,"●",null,"For cash out refinance, $500,000"]
[]
[null,"Minimum Age of Asset:"]
[null,"The minimum age of the Other Financial Assets is as follows:"]
[null,"●",null,"For purchase or rate/term refinance, 12 months with minimum FICO score of 720; 24 months with FICO score less than 720"]
[null,"●",null,"For cash out refinance, 24 months"]
[]
[null,"Eligible Asset Types:"]
[null,"●",null,"Standard assets that may be used for reserves may be used for this income stream calculation in accordance with Agency"]
[null,null,null,"guidelines."]
[null,"●",null,"Funds from the sale of investment properties may be used for this income stream calculation."]
[null,"●",null,"Assets that are considered unacceptable sources of reserves by Agency parameters are ineligible for the income stream."]
[]
[null,"Income Stream Calculation:  Either of the following 2 methods may be used:"]
[null,"●",null,"Option 1:  Convert the net documented assets by the amortization terms of the mortgage (in months)."]
[null,"●",null,"Option 2:  Convert the net documented assets into an income stream through the use of an annuity calculation as follows:"]
[null,null,null,"●",null,null,"\"Present Value\" = net documented assets for conversion"]
[null,null,null,"●",null,null,"\"Future Value\" = zero"]
[null,null,null,"●",null,null,"\"Interest Rate\" = the most recent 2 year average, rounded to the next highest full percentage point of the mid-term applicable"]
[null,null,null,null,null,null,"federal rate as defined in Section 1274(d) of the IRS Code of 1986."]
[null,null,null,"●",null,null,"\"Number of Periods\" (ie payments) = the greater of the term of the mortgage loan in months or 180 months."]
[null,null,null,"●",null,null,"Solve for Payment to determine the monthly annuity amount to be used as qualifying income"]
[null,null,null,"●",null,null,"Calculation must be set for annuity payments due at the beginning of the period."]
[null,null,null,null,null,null,"Example:"]
[null,null,null,null,null,null," Present Value",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," $1,000,000"]
[null,null,null,null,null,null," Future Value",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Set to 0"]
[null,null,null,null,null,null," Interest Rate",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," 2%"]
[null,null,null,null,null,null," Number of Periods",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," 360"]
[null,null,null,null,null,null," Payment",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"$3,690"]
[]
[null,"The following requirements apply to this guidance:"]
[null,"●",null,"This information is INTERNAL guidance only and may not be shared with consumers."]
[null,"●",null,"Special Feature Code 579 (Asset Advantage-Asset as Income) MUST be used to ensure property delivery."]

{"sheet":"Schedule C","index":30,"n_rows":63,"n_cols":90,"rows_kept":63,"cut":false,"hidden":true,"merged":[[45,2,45,72],[46,2,46,72],[44,73,44,88],[44,89,44,104],[39,2,39,72],[39,73,39,88],[28,2,28,104],[53,2,53,104],[12,73,12,88],[12,89,12,104],[39,89,39,104],[40,2,40,72],[41,2,41,72],[42,2,42,72],[43,2,43,46],[43,47,43,72],[44,2,44,72],[36,14,36,72],[30,2,30,104],[31,2,31,104],[22,89,22,104],[38,89,38,104],[27,2,27,104],[23,73,23,88],[11,2,11,13],[12,2,12,72],[11,73,11,88],[11,89,11,104],[19,73,19,88],[19,89,19,104],[14,2,14,72],[14,73,14,88],[14,89,14,104],[11,14,11,72],[17,73,17,88],[13,73,13,88],[18,89,18,104],[18,2,18,46],[10,2,10,104],[18,47,18,72],[23,89,23,104],[21,2,21,72],[21,73,21,88],[21,89,21,104],[18,73,18,88],[54,2,54,104],[29,2,29,104],[46,73,46,88],[46,89,46,104],[50,2,50,72],[38,73,38,88],[42,73,42,88],[42,89,42,104],[48,2,48,72],[45,73,45,88],[45,89,45,104],[37,2,37,72],[36,2,36,13],[36,73,36,88],[36,89,36,104],[37,73,37,88],[37,89,37,104],[59,1,59,105],[60,1,60,105],[61,1,61,105],[62,1,62,105],[5,2,5,104],[6,2,6,13],[6,14,6,64],[6,65,6,77],[6,78,6,104],[7,2,7,104],[17,89,17,104],[22,2,22,10],[22,11,22,72],[9,2,9,104],[58,1,58,105],[50,73,50,104],[34,1,51,1],[57,2,57,104],[48,73,48,88],[49,2,49,72],[56,2,56,104],[13,2,13,72],[8,2,8,104],[47,11,47,72],[1,1,1,105],[2,1,2,105],[3,1,3,105],[4,1,4,105],[0,1,0,105],[15,2,15,72],[48,89,48,104],[43,73,43,88],[43,89,43,104],[16,2,16,72],[17,2,17,72],[24,2,24,72],[24,73,24,104],[22,73,22,88],[26,2,26,72],[41,89,41,104],[47,2,47,10],[13,89,13,104],[16,73,16,88],[9,1,26,1],[33,2,33,104],[9,105,26,105],[47,73,47,88],[47,89,47,104],[55,2,55,104],[52,2,52,104],[49,73,49,104],[41,73,41,88],[51,2,51,72],[51,73,51,104],[34,105,51,105],[15,73,15,88],[15,89,15,104],[16,89,16,104],[23,2,23,72],[40,89,40,104],[25,2,25,72],[25,73,25,104],[26,73,26,104],[32,2,32,104],[40,73,40,88],[34,2,34,104],[38,2,38,72],[35,2,35,104],[20,2,20,72],[20,73,20,88],[20,89,20,104],[19,2,19,72]]}
[]
[]
[null,"Schedule C ─ Profit or Loss from Business"]
[null,"(calculation process and format extracted from FNMA Form 1084)"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[]
[]
[null,null,"SCHEDULE C - PROFIT OR LOSS FROM BUSINESS  #1"]
[null,null,"Select box next to year(s) to be included in determining average monthly qualifying income"]
[null,null," Business:",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null," Include year in calculations"]
[null,null," Net profit or loss (Line 31)"]
[null,null," Nonrecurring Other (Income) Loss/Expenses (Line 6)"]
[null,null," Depletion (Line 12)"]
[null,null," Depreciation (Line 13) -OR- Business Miles (below)"]
[null,null," Meals and Entertainment (Line 24b)"]
[null,null," Business Use of Home (Line 30)"]
[null,null," Business Miles (page 2, part IV, Line 44a) -OR- Depreciation (above)"]
[null,null," Total Mileage Depreciation (2016 = 24¢, 2017/2018 = 25¢, 2019 = 26¢).",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1097","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1097","v":0}]
[null,null," Amortization/Casualty Loss (Line 27a)"]
[null,null," Other:"]
[null,null," Total Income or Loss",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"((BV14+BV16+BV17+BV19+BV21+BV22+BV23)-(BV15+BV18))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"((CL14+CL16+CL17+CL19+CL21+CL22+CL23)-(CL15+CL18))","v":0}]
[null,null,{"$f":"Data_Income!C1105","v":" Grand Total Income"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1102","v":""}]
[null,null," Number of Months included in Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E1104","v":""}]
[null,null," Calculated Average Monthly Schedule C Income or Loss",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1106","v":""}]
[]
[null,null,{"$f":"Data_Income!C1111","v":"  "}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,null,"SCHEDULE C - PROFIT OR LOSS FROM BUSINESS  #2"]
[null,null,"Select box next to year(s) to be included in determining average monthly qualifying income"]
[null,null," Business:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null," Include year in calculations"]
[null,null," Net profit or loss (line 31)"]
[null,null," Nonrecurring Other (Income) Loss/Expenses (Line 6)"]
[null,null," Depletion (Line 12)"]
[null,null," Depreciation (Line 13) -OR- Business Miles (below)"]
[null,null," Meals and Entertainment (Line 24b)"]
[null,null," Business Use of Home (Line 30)"]
[null,null," Business Miles (page 2, part IV, Line 44a) -OR- Depreciation (above)"]
[null,null," Total Mileage Depreciation (2016 = 24¢, 2017/2018 = 25¢, 2019 = 26¢).",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1118","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1118","v":0}]
[null,null," Amortization/Casualty Loss (Line 27a)"]
[null,null," Other:"]
[null,null," Total Income or Loss",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"((BV39+BV41+BV42+BV44+BV46+BV47+BV48)-(BV40+BV43))","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"((CL39+CL41+CL42+CL44+CL46+CL47+CL48)-(CL40+CL43))","v":0}]
[null,null,{"$f":"Data_Income!C1126","v":" Grand Total Income"},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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1123","v":""}]
[null,null," Number of Months included in Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1125","v":""}]
[null,null," Calculated Average Monthly Schedule C Income or Loss",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1127","v":""}]
[]
[null,null,{"$f":"Data_Income!C1132","v":"  "}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Data_Income","index":31,"n_rows":1643,"n_cols":19,"rows_kept":1643,"cut":false,"hidden":true,"merged":[[1452,10,1452,11],[1458,10,1458,11],[1471,12,1471,13],[1473,12,1473,13],[1474,12,1474,13],[1452,15,1452,16],[1458,15,1458,16],[1471,17,1471,18],[1473,17,1473,18],[1474,17,1474,18],[1426,10,1426,11],[1432,10,1432,11],[1445,12,1445,13],[1447,12,1447,13],[1448,12,1448,13],[1426,15,1426,16],[1432,15,1432,16],[1445,17,1445,18],[1447,17,1447,18],[1448,17,1448,18],[1452,5,1452,6],[1458,5,1458,6],[1471,7,1471,8],[1473,7,1473,8],[1474,7,1474,8],[1478,5,1478,6],[1484,5,1484,6],[1496,7,1496,8],[1498,7,1498,8],[1354,0,1354,1],[1371,0,1371,1],[1388,0,1388,1],[1405,0,1405,1],[1285,0,1285,10],[1298,0,1298,1],[1295,0,1295,1],[1157,0,1157,1],[1161,0,1161,10],[1166,0,1166,1],[1270,0,1270,1],[1194,0,1194,1],[1197,0,1197,1],[1212,0,1212,1],[1223,0,1223,1],[1226,0,1226,1],[1241,0,1241,1],[1252,0,1252,1],[1255,0,1255,1],[1135,0,1135,1],[1163,0,1163,1],[1182,0,1182,1],[1318,0,1318,10],[1320,0,1320,1],[1337,0,1337,1],[333,7,333,11],[335,0,335,12],[1630,7,1631,7],[1576,0,1576,10],[619,0,619,6],[619,7,619,9],[619,10,619,12],[1424,0,1424,10],[1426,0,1426,1],[1432,0,1432,1],[1445,2,1445,3],[1448,2,1448,3],[1450,0,1450,10],[1452,0,1452,1],[1458,0,1458,1],[1471,2,1471,3],[1526,0,1526,10],[1521,2,1521,3],[1524,2,1524,3],[1447,2,1447,3],[1473,2,1473,3],[1192,0,1192,10],[1152,0,1152,1],[1138,0,1138,1],[454,0,454,1],[454,7,454,11],[455,0,455,1],[455,7,455,11],[626,0,626,12],[628,0,628,1],[631,0,631,1],[631,7,631,11],[633,0,633,12],[630,0,630,1],[630,7,630,11],[1133,0,1133,10],[541,0,541,6],[541,7,541,9],[541,10,541,12],[548,0,548,10],[557,0,557,12],[559,0,559,1],[18,0,18,12],[628,7,628,11],[613,7,613,11],[614,0,614,1],[614,7,614,11],[615,0,615,1],[615,7,615,11],[617,0,617,12],[346,0,346,1],[346,7,346,11],[347,0,347,1],[347,7,347,11],[348,0,348,1],[348,7,348,11],[349,0,349,1],[349,7,349,11],[330,7,330,11],[331,0,331,1],[456,0,456,1],[456,7,456,11],[463,0,463,12],[603,7,603,9],[603,10,603,12],[263,0,263,1],[0,0,0,12],[43,0,43,12],[33,0,33,12],[24,0,24,12],[402,0,402,12],[435,0,435,12],[444,0,444,12],[451,0,451,12],[453,0,453,1],[453,7,453,11],[428,0,428,6],[428,7,428,9],[428,10,428,12],[404,0,404,10],[351,0,351,12],[344,0,344,12],[2,0,2,12],[370,0,370,10],[91,0,91,12],[58,0,58,12],[331,7,331,11],[332,0,332,1],[332,7,332,11],[333,0,333,1],[263,7,263,11],[264,0,264,1],[262,0,262,1],[262,7,262,11],[316,0,316,1],[316,7,316,11],[314,7,314,11],[315,0,315,1],[271,0,271,12],[137,0,137,12],[153,0,153,12],[165,0,165,12],[155,7,155,11],[156,7,156,11],[157,7,157,11],[158,7,158,11],[156,0,156,1],[157,0,157,1],[158,0,158,1],[155,0,155,1],[197,0,197,10],[219,0,219,10],[21,0,22,0],[60,1,60,7],[45,3,45,5],[106,0,106,10],[243,10,243,12],[305,10,305,12],[321,10,321,12],[130,0,130,6],[130,7,130,9],[130,10,130,12],[104,0,104,12],[217,0,217,12],[146,0,146,12],[317,0,317,1],[317,7,317,11],[312,0,312,12],[314,0,314,1],[243,7,243,9],[305,0,305,6],[243,0,243,6],[321,0,321,6],[305,7,305,9],[259,0,259,12],[261,0,261,1],[261,7,261,11],[1101,2,1101,3],[1091,0,1091,10],[785,0,785,10],[804,0,804,10],[1122,2,1122,3],[1124,2,1124,3],[1112,0,1112,10],[1103,2,1103,3],[821,0,821,10],[825,0,825,10],[848,0,848,10],[827,0,827,1],[828,0,828,1],[829,0,829,1],[328,0,328,12],[330,0,330,1],[321,7,321,9],[319,0,319,12],[337,0,337,6],[337,7,337,9],[337,10,337,12],[250,0,250,10],[995,0,995,10],[647,0,647,1],[647,7,647,11],[649,0,649,12],[668,0,668,10],[635,0,635,6],[495,0,495,10],[515,0,515,12],[517,0,517,10],[741,0,741,6],[741,7,741,9],[741,10,741,12],[610,0,610,12],[612,0,612,1],[612,7,612,11],[613,0,613,1],[719,0,719,10],[813,0,813,10],[700,0,700,10],[794,0,794,10],[315,7,315,11],[303,0,303,12],[264,7,264,11],[559,7,559,11],[560,0,560,1],[560,7,560,11],[1126,2,1126,3],[642,0,642,12],[644,0,644,1],[644,7,644,11],[645,0,645,1],[645,7,645,11],[646,0,646,1],[646,7,646,11],[629,0,629,1],[629,7,629,11],[561,0,561,1],[561,7,561,11],[562,0,562,1],[562,7,562,11],[569,0,569,12],[601,0,601,12],[1105,2,1105,3],[830,0,830,1],[635,7,635,9],[635,10,635,12],[603,0,603,6],[1498,2,1498,3],[1523,2,1523,3],[1474,2,1474,3],[1476,0,1476,10],[1478,0,1478,1],[1484,0,1484,1],[1496,2,1496,3],[1499,2,1499,3],[1501,0,1501,10],[1503,0,1503,1],[1509,0,1509,1],[1503,5,1503,6],[1509,5,1509,6],[1521,7,1521,8],[1523,7,1523,8],[1478,10,1478,11],[1484,10,1484,11],[1509,10,1509,11],[1499,7,1499,8],[1103,4,1103,5],[1521,12,1521,13],[1523,12,1523,13],[1524,12,1524,13],[1503,15,1503,16],[1509,15,1509,16],[1521,17,1521,18],[1523,17,1523,18],[1524,17,1524,18],[1496,12,1496,13],[1498,12,1498,13],[1499,12,1499,13],[1478,15,1478,16],[1484,15,1484,16],[1496,17,1496,18],[1498,17,1498,18],[1499,17,1499,18],[1503,10,1503,11],[1524,7,1524,8],[1426,5,1426,6],[1432,5,1432,6],[1445,7,1445,8],[1447,7,1447,8],[1448,7,1448,8]]}
["BASIC PARAMETERS"]
[]
["DATES"]
[]
["Today Date",{"$f":"TODAY()","v":"2020-09-25"}]
["Today Month",{"$f":"MONTH(TODAY())","v":9}]
["Today Day",{"$f":"DAY(B5)","v":25}]
["Year Today",{"$f":"YEAR(B5)","v":2020}]
["Year to Date",{"$f":"IF('B-Paystubs'!AK18=\"\",YEAR(TODAY()),YEAR('B-Paystubs'!AK18))","v":2020}]
["Year Last",{"$f":"YEAR(TODAY())-1","v":2019}]
["Year Previous",{"$f":"YEAR(TODAY())-2","v":2018}]
["Doc Date",{"$f":"'B-Paystubs'!V14","v":"00:00:00"}]
["YR Today Beg",{"$f":"DATE(YEAR(B12),1,1)","v":"1900-01-01"},"YRCB"]
["YR Last Beg",{"$f":"DATE((YEAR(TODAY())-1),1,1)","v":"2019-01-01"},"YRP1B"]
["YR Last End",{"$f":"DATE((YEAR(TODAY())-1),12,31)","v":"2019-12-31"},"YRP1E"]
["YR Prev Beg",{"$f":"DATE((YEAR(TODAY())-2),1,1)","v":"2018-01-01"},"YRP2B"]
["YR Prev End",{"$f":"DATE((YEAR(TODAY())-2),12,31)","v":"2018-12-31"},"YRP2E"]
[]
["SS & MEDICARE WITHHOLDING CALCULATIONS PARAMETERS"]
[]
["Earnings","Tax %","Withholdings"]
[0,6.2E-2,{"$f":"A22*B22","v":0}]
[null,1.4500000000000001E-2,{"$f":"A22*B23","v":0}]
[]
["YEAR SELECTIONS  \\  [ M_YEARS ]  \\  memory variable list begins with \"Select Year\" (B27) and ends with \"2018\" (B32)"]
[]
["↑",null,"Select Year"]
["M_YEARS",null,2016]
["|",null,2017]
["|",null,2018]
["|",null,2019]
["↓",null,2020]
[]
["DEPRECIATION MILEAGE FACTORS"]
[null,null,"Year","FNMA Factor"]
[null,null,2013,0.23]
["↑",null,2014,0.22]
["List of FNMA",null,2015,0.24]
["Depreciation",null,2016,0.24]
["Mileage",null,2017,0.25]
["Factors",null,2018,0.25]
["↓",null,2019,0.26]
[]
["INCOME PAY PERIOD FREQUENCY  \\  [ M_PAYDOCS ]  \\  memory variable list begins with \"Paystub\" (C49) and ends with \"Other\" (C57)"]
[]
[null,null,null,"VLOOKUP"]
[null,"Document","Frequency","Search","Pay Periods","Hours","Term"]
[1]
[2,"Paystub","Hourly (H)","Annually (1)",1,2080,"annually"]
[3,"Written VOE","Weekly (52)","Bi-Weekly (26)",26,80,"bi-weekly"]
[4,"Paystub & VOE","Bi-Weekly (26)","Hourly (H)",2080,1,"hourly"]
[5,"Awards Letter","Semi-Monthly (24)","Monthly (12)",12,{"$f":"2080/12","v":173.33333333333334},"monthly"]
[6,"Bank Statement","Monthly (12)","Part-Time",0,0,"part-time"]
[7,"Multiple Docs","Annually (1)","Seasonal",0,0,"seasonal"]
[8,"IRS Form 1099","Part-Time","Semi-Monthly (24)",24,{"$f":"2080/24","v":86.666666666666671},"semi-monthly"]
[9,"W2","Seasonal","Varies",0,0,"varies"]
[10,"Other","Varies / Averaged","Weekly (52)",52,40,"weekly"]
[]
["GOVERNMENT PAY PERIODS"]
[]
[null,"Pay Period Ending"]
[null,2014,{"$f":"B62+1","v":2015},2016,2017,2018,2019,2020]
[1,2,3,4,5,6,7,8]
[1,"2013-12-28",{"$f":"B89+14","v":"2014-12-27"},"2015-12-26","2016-12-24","2017-12-23","2018-12-22","2019-12-21"]
[{"$f":"A64+1","v":2},{"$f":"B64+14","v":"2014-01-11"},{"$f":"C64+14","v":"2015-01-10"},{"$f":"D64+14","v":"2016-01-09"},{"$f":"E64+14","v":"2017-01-07"},{"$f":"F64+14","v":"2018-01-06"},{"$f":"G64+14","v":"2019-01-05"},{"$f":"H64+14","v":"2020-01-04"}]
[3,"2014-01-25","2015-01-24","2016-01-23","2017-01-21","2018-01-20","2019-01-19","2020-01-18"]
[4,"2014-02-08","2015-02-07","2016-02-06","2017-02-04","2018-02-03","2019-02-02","2020-02-01"]
[5,"2014-02-22","2015-02-21","2016-02-20","2017-02-18","2018-02-17","2019-02-16","2020-02-15"]
[6,"2014-03-08","2015-03-07","2016-03-05","2017-03-04","2018-03-03","2019-03-02","2020-02-29"]
[7,"2014-03-22","2015-03-21","2016-03-19","2017-03-18","2018-03-17","2019-03-16","2020-03-14"]
[8,"2014-04-05","2015-04-04","2016-04-02","2017-04-01","2018-03-31","2019-03-30","2020-03-28"]
[9,"2014-04-19","2015-04-18","2016-04-16","2017-04-15","2018-04-14","2019-04-13","2020-04-11"]
[10,"2014-05-03","2015-05-02","2016-04-30","2017-04-29","2018-04-28","2019-04-27","2020-04-25"]
[11,"2014-05-17","2015-05-16","2016-05-14","2017-05-13","2018-05-12","2019-05-11","2020-05-09"]
[12,"2014-05-31","2015-05-30","2016-05-28","2017-05-27","2018-05-26","2019-05-25","2020-05-23"]
[13,"2014-06-14","2015-06-13","2016-06-11","2017-06-10","2018-06-09","2019-06-08","2020-06-06"]
[14,"2014-06-28","2015-06-27","2016-06-25","2017-06-24","2018-06-23","2019-06-22","2020-06-20"]
[15,"2014-07-12","2015-07-11","2016-07-09","2017-07-08","2018-07-07","2019-07-06","2020-07-04"]
[16,"2014-07-26","2015-07-25","2016-07-23","2017-07-22","2018-07-21","2019-07-20","2020-07-18"]
[17,"2014-08-09","2015-08-08","2016-08-06","2017-08-05","2018-08-04","2019-08-03","2020-08-01"]
[18,"2014-08-23","2015-08-22","2016-08-20","2017-08-19","2018-08-18","2019-08-17","2020-08-15"]
[19,"2014-09-06","2015-09-05","2016-09-03","2017-09-02","2018-09-01","2019-08-31","2020-08-29"]
[20,"2014-09-20","2015-09-19","2016-09-17","2017-09-16","2018-09-15","2019-09-14","2020-09-12"]
[21,"2014-10-04","2015-10-03","2016-10-01","2017-09-30","2018-09-29","2019-09-28","2020-09-26"]
[22,"2014-10-18","2015-10-17","2016-10-15","2017-10-14","2018-10-13","2019-10-12","2020-10-10"]
[23,"2014-11-01","2015-10-31","2016-10-29","2017-10-28","2018-10-27","2019-10-26","2020-10-24"]
[24,"2014-11-15","2015-11-14","2016-11-12","2017-11-11","2018-11-10","2019-11-09","2020-11-07"]
[25,"2014-11-29","2015-11-28","2016-11-26","2017-11-25","2018-11-24","2019-11-23","2020-11-21"]
[26,"2014-12-13","2015-12-12","2016-12-10","2017-12-09","2018-12-08","2019-12-07",{"$f":"H88+14","v":"2020-12-05"}]
[]
[]
["DOCUMENT TYPES  \\  [ M_DOCTYPES ]  \\  memory variable list begins with blank line (C106) and continues until \"Other\" (C115)"]
[]
["↑"]
["M_DOCTYPES",null,"Awards Letter"]
["|",null,"Bank Statement"]
["|",null,"Earnings Statement"]
["|",null,"IRS Form 1099"]
["|",null,"Pay Statement"]
["|",null,"Tax Returns"]
["|",null,"VA Cert of Eligibility"]
["|",null,"W2"]
["↓",null,"Other"]
[]
["BORROWER'S PAYSTUB"]
[]
["VLOOKUP"]
[1,2,3,4,5]
["Search","Pay Periods","Hours","Term","Message"]
[{"$f":"$C$54","v":"Annually (1)"},{"$f":"$E$49","v":1},{"$f":"$F$49","v":2080},{"$f":"$G$49","v":"annually"},{"$f":"IF(D123=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D174,0),\" annually), borrower's YTD earnings would need to reflect \",DOLLAR(D196,0),\" as the total amount of base earnings from \",MONTH(C133),\"/\",DAY(C133),\"/\",YEAR(C133),\" to \",MONTH(D133),\"/\",DAY(D133),\"/\",YEAR(D133),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$51","v":"Bi-Weekly (26)"},{"$f":"$E$50","v":26},{"$f":"$F$50","v":80},{"$f":"$G$50","v":"bi-weekly"},{"$f":"IF(D123=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D174,0),\" bi-weekly), borrower's YTD earnings would need to reflect \",DOLLAR(D196,0),\" as the total amount of base earnings from \",MONTH(C133),\"/\",DAY(C133),\"/\",YEAR(C133),\" to \",MONTH(D133),\"/\",DAY(D133),\"/\",YEAR(D133),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$49","v":"Hourly (H)"},{"$f":"$E$51","v":2080},{"$f":"$F$51","v":1},{"$f":"$G$51","v":"hourly"},{"$f":"IF(D123=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D174,2),\" hourly), borrower's YTD earnings would need to reflect \",DOLLAR(D196,0),\" as the total amount of base earnings from \",MONTH(C133),\"/\",DAY(C133),\"/\",YEAR(C133),\" to \",MONTH(D133),\"/\",DAY(D133),\"/\",YEAR(D133),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$53","v":"Monthly (12)"},{"$f":"$E$52","v":12},{"$f":"$F$52","v":173.33333333333334},{"$f":"$G$52","v":"monthly"},{"$f":"IF(D123=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D174,0),\" monthly), borrower's YTD earnings would need to reflect \",DOLLAR(D196,0),\" as the total amount of base earnings from \",MONTH(C133),\"/\",DAY(C133),\"/\",YEAR(C133),\" to \",MONTH(D133),\"/\",DAY(D133),\"/\",YEAR(D133),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$55","v":"Part-Time"},{"$f":"$E$53","v":0},{"$f":"$F$53","v":0},{"$f":"$G$53","v":"part-time"},{"$f":"IF(D123=0,\"N/A\",CONCATENATE(\"Working Part-Time at averaged monthly pay, borrower's YTD earnings would need to reflect approximately \",DOLLAR(D196,0),\" as the total amount of base earnings from \",MONTH(C133),\"/\",DAY(C133),\"/\",YEAR(C133),\" to \",MONTH(D133),\"/\",DAY(D133),\"/\",YEAR(D133),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$56","v":"Seasonal"},{"$f":"$E$54","v":0},{"$f":"$F$54","v":0},{"$f":"$G$54","v":"seasonal"},{"$f":"IF(D123=0,\"N/A\",CONCATENATE(\"Working Seasonal at averaged monthly pay, borrower's YTD earnings would need to reflect approximately \",DOLLAR(D196,0),\" as the total amount of base earnings from \",MONTH(C133),\"/\",DAY(C133),\"/\",YEAR(C133),\" to \",MONTH(D133),\"/\",DAY(D133),\"/\",YEAR(D133),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$52","v":"Semi-Monthly (24)"},{"$f":"$E$55","v":24},{"$f":"$F$55","v":86.666666666666671},{"$f":"$G$55","v":"semi-monthly"},{"$f":"IF(D123=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D174,2),\" semi-monthly), borrower's YTD earnings would need to reflect \",DOLLAR(D196,0),\" as the total amount of base earnings from \",MONTH(C133),\"/\",DAY(C133),\"/\",YEAR(C133),\" to \",MONTH(D133),\"/\",DAY(D133),\"/\",YEAR(D133),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$57","v":"Varies / Averaged"},{"$f":"$E$56","v":0},{"$f":"$F$56","v":0},{"$f":"$G$56","v":"varies"},{"$f":"IF(D123=0,\"N/A\",CONCATENATE(\"Based on calculated averaged monthly earnings, borrower's YTD earnings should reflect approximately \",DOLLAR(D196,0),\" as the total amount of base income earned from \",MONTH(C133),\"/\",DAY(C133),\"/\",YEAR(C133),\" to \",MONTH(D133),\"/\",DAY(D133),\"/\",YEAR(D133),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$50","v":"Weekly (52)"},{"$f":"$E$57","v":52},{"$f":"$F$57","v":40},{"$f":"$G$57","v":"weekly"},{"$f":"IF(D123=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D174,2),\" weekly), borrower's YTD earnings would need to reflect \",DOLLAR(D196,0),\" as the total amount of base earnings from \",MONTH(C133),\"/\",DAY(C133),\"/\",YEAR(C133),\" to \",MONTH(D133),\"/\",DAY(D133),\"/\",YEAR(D133),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[]
[" Document date",null,null,{"$f":"IF('B-Paystubs'!V14=\"\",\"\",'B-Paystubs'!V14)","v":""},null,null,"/ Date of document as entered by user in the box/field between document type and rate of pay"]
[" Rate of Pay",null,null,{"$f":"IF(OR('B-Paystubs'!AK14=0,'B-Paystubs'!AK14=\"\"),0,'B-Paystubs'!AK14)","v":0},null,null,"/ Rate of pay"]
[" Rate of Pay Message",null,null,{"$f":"IF(D123=A114,\"Hourly Rate of Pay (part-time)\",\"Rate of Pay\")","v":"Rate of Pay"}]
[" Pay period frequency",null,null,{"$f":"'B-Paystubs'!AZ14","v":0},null,null,"/ Pay period frequency as selected by user from drop down selections provided"]
[" Average hours per week",null,null,{"$f":"'B-Paystubs'!BR14","v":""},{"$f":"AND(D123=\"Hourly (H)\",D192<D124)","v":false},null,"/ Average weekly hours from box/field between pay period frequency and monthly earnings, field is blank and grayed out unless hourly pay period frequency is selected, then field becomes active and displays 40 hours as default, user may change figure."]
[" Annual earnings based on current rate",null,null,{"$f":"IF(OR(D121=0,D123=0),\"\",IF(D123=\"Hourly (H)\",(D121*D124)*52,D121*VLOOKUP(D123,A110:E118,2,FALSE)))","v":""},null,null,"/ Annual calculated earnings based on current rate and pay period frequency selected, and average hours per week (when hourly pay period frequency is selected)."]
[" Monthly earnings based on current rate",null,null,{"$f":"IF(OR(D121=0,D123=0),0,IF(OR(D123=A114,D123=A115,D123=A117),J136,ROUND(D125/12,0)))","v":0},null,null,"/ Annual earnings divided by 12 for monthly results  /  If \"Part-Time\", \"Seasonal\", or \"Varies\" is selected then \"See Below\" is displayed."]
[" Use current rate / pay increase",null,null,true,null,null,"/ True if option box \"qualify at current rate\" is selected and False if option box is left blank."]
[]
[" Date to (Gov Pay #)",null,{"$f":"HLOOKUP('B-Paystubs'!N18,Data_Income!A62:H63,2)","v":8},{"$f":"IF(AND('B-Paystubs'!V14=\"\",'B-Paystubs'!AV17=\"\"),\"\",IF(AND('B-Paystubs'!V14<>\"\",'B-Paystubs'!AV17=\"\"),'B-Paystubs'!V14,IF('B-Paystubs'!AV17<>\"\",VLOOKUP('B-Paystubs'!AV17,Data_Income!A64:H89,C129))))","v":""},null,{"$f":"IF(OR(D133=\"\",E133=\"\",E133=0),\"\",IF(AND(MONTH(D133)=2,DAY(D133)>27,'B-Paystubs'!V18=DATE(YEAR(TODAY()),1,1)),2,ROUND((((D133-C133)+1)/365)*12,1)))","v":""}]
[" Date to (Gov Pay #)",null,{"$f":"HLOOKUP('CB-Paystubs'!N18,Data_Income!A62:H63,2)","v":8},{"$f":"IF(AND('CB-Paystubs'!V14=\"\",'CB-Paystubs'!AV17=\"\"),\"\",IF(AND('CB-Paystubs'!V14<>\"\",'CB-Paystubs'!AV17=\"\"),'CB-Paystubs'!V14,IF('CB-Paystubs'!AV17<>\"\",VLOOKUP('CB-Paystubs'!AV17,Data_Income!A64:H89,C129))))","v":""},null,{"$f":"IF(OR(D133=\"\",E133=\"\",E133=0),\"\",IF(AND(MONTH(D133)=2,DAY(D133)>27),2,ROUND((((D133-C133)+1)/365)*12,1)))","v":""},{"$f":"IF(AND(D127=FALSE,A133=FALSE,A134=FALSE,A135=FALSE),0,IF(AND(D127=TRUE,A133=FALSE,A134=FALSE,A135=FALSE),D126,IF(AND(D127=TRUE,A133=TRUE,A134=TRUE,A135=TRUE),MIN(D126,((G133+G134+G135)/3)),IF(AND(D127=FALSE,A133=TRUE,A134=TRUE,A135=TRUE),((G133+G134+G135)/3),IF(AND(D127=TRUE,A133=TRUE,A134=TRUE),MIN(D126,((G133+G134)/2)),IF(AND(D127=TRUE,A133=TRUE,A134=FALSE),MIN(D126,G133),IF(AND(D127=FALSE,A134=TRUE,A133=TRUE),(G133+G134)/2,IF(AND(D127=FALSE,A133=TRUE,A134=FALSE),G133))))))))","v":0}]
["BASE EARNINGS",null,null,null,null,null,null,"Include in Calculations",null,null,"Variances"]
["Include calcs","Year","Date From","Date To","Total","Months","Monthly","Earnings","Months","Total","% Change","Inc / Dec","Stats"]
[false,{"$f":"'B-Paystubs'!N18","v":2020},{"$f":"'B-Paystubs'!V18","v":"2020-01-01"},{"$f":"'B-Paystubs'!AK18","v":""},{"$f":"IF('B-Paystubs'!AZ18=\"\",0,'B-Paystubs'!AZ18)","v":0},{"$f":"IF(OR(D133=\"\",E133=\"\",E133=0),\"\",IF(AND(MONTH(D133)=2,DAY(D133)>27),2,ROUND((((D133-C133)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D133=\"\",E133=\"\",E133=0),\"\",ROUND(E133/F133,0))","v":""},{"$f":"IF(A133=TRUE,E133,0)","v":0},{"$f":"IF(A133=TRUE,F133,0)","v":0},{"$f":"IF(OR(A133=FALSE,H133=0,I133=0),0,ROUND(H133/I133,0))","v":0},{"$f":"IF(OR(G133=\"\",G133=0,G134=\"\",G134=0),100,IF(G133>G134,((G133-G134)/G134)*100,((G134-G133)/G134)*100))","v":100},{"$f":"IF(G133>G134,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A133=TRUE,E133>0),TRUE,FALSE)","v":false}]
[false,{"$f":"'B-Paystubs'!N19","v":2019},{"$f":"'B-Paystubs'!V19","v":"2019-01-01"},{"$f":"'B-Paystubs'!AK19","v":"2019-12-31"},{"$f":"IF('B-Paystubs'!AZ19=\"\",0,'B-Paystubs'!AZ19)","v":0},{"$f":"IF(OR(E134=\"\",E134=0),\"\",IF(AND(MONTH(D134)=2,DAY(D134)>27),2,ROUND((((D134-C134)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D134=\"\",E134=\"\",E134=0),\"\",ROUND(E134/F134,0))","v":""},{"$f":"IF(A134=TRUE,E134,0)","v":0},{"$f":"IF(A134=TRUE,F134,0)","v":0},{"$f":"IF(OR(A134=FALSE,H134=0,I134=0),0,ROUND(H134/I134,0))","v":0},{"$f":"IF(OR(G134=\"\",G134=0,G135=\"\",G135=0),100,IF(G134>G135,((G134-G135)/G135)*100,((G135-G134)/G135)*100))","v":100},{"$f":"IF(G134>G135,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A134=TRUE,E134>0),TRUE,FALSE)","v":false}]
[false,{"$f":"'B-Paystubs'!N20","v":2018},{"$f":"'B-Paystubs'!V20","v":"2018-01-01"},{"$f":"'B-Paystubs'!AK20","v":"2018-12-31"},{"$f":"IF('B-Paystubs'!AZ20=\"\",0,'B-Paystubs'!AZ20)","v":0},{"$f":"IF(OR(E135=\"\",E135=0),\"\",IF(AND(MONTH(D135)=2,DAY(D135)>27),2,ROUND((((D135-C135)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D135=\"\",E135=\"\",E135=0),\"\",ROUND(E135/F135,0))","v":""},{"$f":"IF(A135=TRUE,E135,0)","v":0},{"$f":"IF(A135=TRUE,F135,0)","v":0},{"$f":"IF(OR(A135=FALSE,H135=0,I135=0),0,ROUND(H135/I135,0))","v":0},{"$f":"IF(OR(G133=\"\",G133=0,G135=\"\",G135=0),100,IF(G133>G135,((G133-G135)/G135)*100,((G135-G133)/G135)*100))","v":100},{"$f":"IF(G133>G135,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A135=TRUE,E135>0),TRUE,FALSE)","v":false}]
[" Totals",null,null,null,{"$f":"SUM(E133:E135)","v":0},{"$f":"SUM(F133:F135)","v":0},{"$f":"IF(AND(D127=TRUE),D126,IF(D127=FALSE,J136,MIN(D126,J136)))","v":0},{"$f":"IF(SUM(E133:E135)=0,0,SUM(H133:H135))","v":0},{"$f":"IF(SUM(F133:F135)=0,0,SUM(I133:I135))","v":0},{"$f":"IF(I136=0,0,ROUND(H136/I136,0))","v":0},null,null,null,{"$f":"+E136/F136","v":{"$error":"#DIV/0!"}}]
[]
["UNREIMBURSED EMPLOYEE EXPENSES"]
[]
["Inc / Exc","Year","Amt Claimed","Depreciation","Buss Miles","BM addback","Total","Months",null,null,"Average"]
[false,{"$f":"'B-Paystubs'!G26","v":2019},{"$f":"'B-Paystubs'!P26","v":0},{"$f":"'B-Paystubs'!AG26","v":0},{"$f":"'B-Paystubs'!AW26","v":0},{"$f":"IF(OR(A141=FALSE,C141=0,E141=0),0,E141*VLOOKUP(B141,$C$37:$D$42,2))","v":0},{"$f":"IF(A141=FALSE,\"\",IF(AND(D141>0,E141>0),0,IF(AND(D141>0,E141<=0),ROUNDDOWN(C141-D141,0),IF(AND(D141<=0,E141>0),ROUNDDOWN(C141-F141,0),C141))))","v":""},{"$f":"'B-Paystubs'!CB26","v":""},null,null,{"$f":"IF(A141=FALSE,\"\",IF(C141=0,0,IF(AND(D141>0,E141>0),\"Error Dep & Buss\",ROUNDDOWN(G141/H141,0))))","v":""}]
[false,{"$f":"'B-Paystubs'!G27","v":2018},{"$f":"'B-Paystubs'!P27","v":0},{"$f":"'B-Paystubs'!AG27","v":0},{"$f":"'B-Paystubs'!AW27","v":0},{"$f":"IF(OR(A142=FALSE,C142=0,E142=0),0,E142*VLOOKUP(B141,$C$37:$D$42,2))","v":0},{"$f":"IF(A142=FALSE,\"\",IF(AND(D142>0,E142>0),0,IF(AND(D142>0,E142<=0),ROUNDDOWN(C142-D142,0),IF(AND(D142<=0,E142>0),ROUNDDOWN(C142-F142,0),C142))))","v":""},{"$f":"'B-Paystubs'!CB27","v":""},null,null,{"$f":"IF(A142=FALSE,\"\",IF(C142=0,0,IF(AND(D142>0,E142>0),\"Error Dep & Buss\",ROUNDDOWN(G142/H142,0))))","v":""}]
[" Totals",null,null,null,{"$f":"SUM(E141:E142)","v":0},{"$f":"SUM(F141:F142)","v":0},{"$f":"SUM(G141:G142)","v":0},{"$f":"SUM(H141:H142)","v":0},null,null,{"$f":"IF(ISERROR(G143/H143),0,IF(AND(A141=TRUE,A142=TRUE),ROUND(G143/H143,0),IF(AND(A141=TRUE,A142=FALSE),K141,IF(AND(A141=FALSE,A142=TRUE),K142,0))))","v":0}]
[]
[" Deduct from base earnings",null,null,true,null,null,"/ Checkbox option results to deduct unreimbursed employee expenses from base earnings, if not deducted from base earnings, then underwriter to enter unreimbursed employee expenses as a monthly liability"]
[]
["TOTAL QUALIFYING EARNINGS"]
[]
[" Total Base Earnings",null,null,{"$f":"G136","v":0},null,{"$f":"IF(OR(D123=A114,D123=A115,D123=A117),CONCATENATE(\"total average earnings for the past \",I136,\" months\"),\"(lower of Current Rate or YTD avg, or explanation provided)\")","v":"(lower of Current Rate or YTD avg, or explanation provided)"}]
[" Total Average Unreimbursed Emp Expenses",null,null,{"$f":"IF(K143=0,0,IF(D145=TRUE,K143,0))","v":0}]
[" Other Additions or Subtractions to Income",null,null,{"$f":"'B-Paystubs'!CJ34","v":0}]
[" Total Calculated Qualifying Base Earnings",null,null,{"$f":"(D149+D151)-D150","v":0}]
[]
["STATISTICS  —  VARIANCES IN EARNINGS"]
[]
[null,null,"Amount","Difference-$","Difference-%","+/-","Data Validation","Message"]
[{"$f":"CONCATENATE(\" Total \",B133,\" YTD\")","v":" Total 2020 YTD"},null,{"$f":"IF(OR(G133=0,G133=\"\"),0,G133)","v":0},{"$f":"ABS(C157-C158)","v":0},{"$f":"IF(AND(C157=0,C158=0),\"\",IF(C158=0,100%,D157/C158))","v":""},{"$f":"IF(AND(C157=0,C158=0),\"\",IF(C157>C158,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C157=0,C158=0),\"\",IF(AND(F157=\" Increase\",(C158+(C158*E157))=C157),\"PASS\",IF(AND(F157=\" Decrease\",(C158-(C158*E157))=C157),\"PASS\",\"FAIL\")))","v":""},{"$f":"IF(OR(C157=0,C157=\"\"),\" \",CONCATENATE(B134,\" to \",B133,\" = \",TEXT(E157,\"###.0%\"),F157))","v":" "}]
[{"$f":"CONCATENATE(\" Total \",B134)","v":" Total 2019"},null,{"$f":"IF(OR(G134=0,G134=\"\"),0,G134)","v":0},{"$f":"ABS(C158-C159)","v":0},{"$f":"IF(AND(C158=0,C159=0),\"\",IF(C159=0,100%,D158/C159))","v":""},{"$f":"IF(AND(C158=0,C159=0),\"\",IF(C158>C159,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C158=0,C159=0),\"\",IF(AND(F158=\" Increase\",(C159+(C159*E158))=C158),\"PASS\",IF(AND(F158=\" Decrease\",(C159-(C159*E158))=C158),\"PASS\",\"FAIL\")))","v":""},{"$f":"IF(OR(C158=0,C158=\"\"),\" \",CONCATENATE(B135,\" to \",B134,\" = \",TEXT(E158,\"###.0%\"),F158))","v":" "}]
[{"$f":"CONCATENATE(\" Total \",B135)","v":" Total 2018"},null,{"$f":"IF(OR(G135=0,G135=\"\"),0,G135)","v":0},{"$f":"ABS(C157-C159)","v":0},{"$f":"IF(AND(C159=0,D159=0),\"\",IF(C159=0,100%,D159/C159))","v":""},{"$f":"IF(AND(C159=0,D159=0),\"\",IF(C159>C160,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C159=0,D159=0),\"\",IF((C159+(C159*E159))=C157,\"PASS\",\"FAIL\"))","v":""},{"$f":"IF(OR(C159=0,C159=\"\"),\" \",CONCATENATE(B135,\" to \",B133,\" = \",TEXT(E159,\"###.0%\"),F159))","v":" "}]
[]
[null,null,{"$f":"IF(AND(H157<>\" \",H158<>\" \"),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Variances in earnings:  \",H158,\"  &  \",H157)","v":"Variances in earnings:     &   "}]
[null,null,{"$f":"IF(AND(H157=\" \",H158<>\" \"),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Variances in earnings:  \",H158)","v":"Variances in earnings:   "}]
[null,null,{"$f":"IF(AND(H157=\" \",H158=\" \",H159<>\" \"),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Variances in earnings:  \",H159)","v":"Variances in earnings:   "}]
[null,null,{"$f":"IF(AND(H157=\" \",H158=\" \",H159=\" \"),TRUE,FALSE)","v":true},"Variances in earnings not determined."]
[]
["STATISTICS  —  AVERAGE WORKING HOURS"]
[]
[" YTD  (date)",null,null,{"$f":"D133","v":""}]
[{"$f":"CONCATENATE(\" Total earnings (\",B133,\" YTD)\")","v":" Total earnings (2020 YTD)"},null,null,{"$f":"E133","v":0},null,{"$f":"EOMONTH(DATE(YEAR(TODAY()),1,1),2)","v":"2020-03-31"}]
[{"$f":"CONCATENATE(\" Months included (\",B133,\" YTD)\")","v":" Months included (2020 YTD)"},null,null,{"$f":"IF(F133=\"\",0,F133)","v":0}]
[]
[" Total earnings",null,null,{"$f":"IF(OR(A133=FALSE,E133=\"\"),0,D169)","v":0},null,null,"/ YTD earnings"]
[" Months included in YTD Earnings",null,null,{"$f":"IF(OR(A133=FALSE,E133=\"\",E133=0,F133=0),0,F133)","v":0},null,null,"/ months calculated based on user entered dates on YTD line"]
[" Rate of Pay",null,null,{"$f":"D121","v":0},null,null,"/ Rate of pay"]
[" Average monthly earnings (YTD)",null,null,{"$f":"IF(OR(D172=0,D173=0,),0,D172/D173)","v":0},null,null,"/ Average monthly earnings calculated from YTD total"]
[" Total YTD and pervious years earnings",null,null,{"$f":"H136","v":0},null,null,"/ Average monthly earnings calculated from totals of all years selected"]
[]
[" Calculated Averages - YTD"]
["Average monthly earnings (YTD)",null,null,{"$f":"D175","v":0}]
["Average calculated annual earnings",null,null,{"$f":"D179*12","v":0}]
["Average calculated weekly earnings",null,null,{"$f":"D180/52","v":0}]
["Hourly rate of pay",null,null,{"$f":"D121","v":0}]
["Average calculated weekly hours",null,null,{"$f":"IF(D182=0,0,IF(D127=TRUE,40,IF(AND(D127=FALSE,D182>0,D123=\"Hourly (H)\",E133=0),40,IF((D181/D182)>40,40,D181/D182))))","v":0},{"$f":"IF(AND('B-Paystubs'!AZ14=\"Hourly (H)\",'B-Paystubs'!BR14=D183),TRUE,FALSE)","v":false}]
["Avg weekly hours display",null,null,{"$f":"IF(D123=\"Hourly (H)\",D183,\"N/A\")","v":"N/A"}]
["Weekly hours message",null,null,{"$f":"IF(D182=0,\"Weekly\",IF(OR(D123<>\"Hourly (H)\",(D181/D182)>40),\"Weekly\",\"Average Weekly\"))","v":"Weekly"}]
[]
[{"$f":"CONCATENATE(\" Total days (\",B133,\" YTD)\")","v":" Total days (2020 YTD)"},null,null,{"$f":"IF(D133=\"\",0,(D133-C133)+1)","v":0},null,null,"/ Total days determined by taking Date To minus Date From for the particular period"]
[{"$f":"CONCATENATE(\" Total weeks (\",B133,\" YTD)\")","v":" Total weeks (2020 YTD)"},null,null,{"$f":"ROUND(D187/7,0)","v":0},null,null,"/ Total weeks determined by taking Total Days ÷ 7 for the particular period"]
[]
[" Total average earnings per week",null,null,{"$f":"(D175*12)/52","v":0},null,null,"/ If Part-Time, Seasonal or Varies/Averaged is selected, then grand total income of all years cobmined ÷ grand total weeks, for any other selection Total YTD Earnings ÷ Total Weeks for YTD period"]
[" Earnings per hour",null,null,{"$f":"IF(OR(D123=0,D190=0),0,IF(OR(D123=A114,D123=A115,D123=A117),D121,D121/VLOOKUP(D123,A110:E118,3)))","v":0},null,null,"/ If Part-Time, Seasonal or Varies/Averaged is selected, then use Rate of Pay, for any other selection Rate of Pay ÷ Pay Period Frequency periods"]
[" Average weekly hours",null,null,{"$f":"IF(D191=0,0,ROUND(D190/D191,1))","v":0},null,null,"/ Average weekly hours worked based on total average earnings per week ÷ earnings per hour."]
[]
[" Monthly Calculated Earnings",null,null,{"$f":"IF(OR(D123=A114,D123=A115,D123=A117),J136,D126)","v":0},null,null,"/ Average monthly earnings, minimum of YTD average monthly earnings or total average monthly earnings, determined with figures from current rate of pay and base earnings section of the income worksheet (top section)"]
[" Months included in YTD Earnings",null,null,{"$f":"IF(OR(E133=\"\",E133=0,A133=FALSE),\"\",ROUND((((D133-C133)+1)/365)*12,1))","v":""},null,null,"/ YTD \"Date To\" less YTD \"Date From\" ÷ 365 X 12"]
[" Expected YTD earnings",null,null,{"$f":"IF(OR(D194=0,D194=\"\",D195=0,D195=\"\"),0,ROUND(D194*D195,0))","v":0},null,null,"/ Monthly avearge earnings X months included in earnings"]
[]
["MESSAGES"]
[]
[" #1 - increase/decrease",null,null,{"$f":"IF(AND(E133=0,E134=0,E135=0),\"Variances in earnings not determined.\",CONCATENATE(\"Variances in earnings: \",H158,\"  &  \",H157))","v":"Variances in earnings not determined."}]
[]
[" #2 - Determination",null,null,{"$f":"IF(AND(D203=FALSE,D204=FALSE,D205=FALSE,D206=FALSE,D207=FALSE,D208=FALSE),TRUE,FALSE)","v":false},"Total qualifying income to be determined."]
["Current Rate of Pay",null,null,{"$f":"IF(D127=TRUE,TRUE,FALSE)","v":true},"Total qualifying income determined on current pay rate even if not supported with YTD earnings (may be due to pay increase earlier this year, or time off taken without pay, etc.). LOE required."]
["Salary",null,null,{"$f":"IF(AND(D127=FALSE,D126>0,D149>0,D149=D126),TRUE,FALSE)","v":false},"Total qualifying income determined on current salary, and supported by YTD earnings."]
["YTD lower",null,null,{"$f":"IF(AND(D127<>FALSE,D149<D126),TRUE,FALSE)","v":false},"Total qualifying income determined on YTD average monthly earnings which are lower than regular full-time salary."]
["YTD and previous 2 yrs",null,null,{"$f":"IF(AND(M133=TRUE,M134=TRUE,M135=TRUE,OR(D123=\"Part-Time\",D123=\"Varies\",D123=\"Varies / Averaged\",D123=\"Seasonal\")),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Total qualifying income determined with earnings from YTD \",B133,\", Year \",B134,\", and Year \",B135,\".\")","v":"Total qualifying income determined with earnings from YTD 2020, Year 2019, and Year 2018."}]
["YTD and previous 1",null,null,{"$f":"IF(AND(M133=TRUE,M134=TRUE,M135=FALSE,OR(D123=\"Part-Time\",D123=\"Varies\",D123=\"Varies / Averaged\",D123=\"Seasonal\")),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Total qualifying income determined with earnings from YTD \",B133,\", and Year \",B134,\".\")","v":"Total qualifying income determined with earnings from YTD 2020, and Year 2019."}]
["YTD only",null,null,{"$f":"IF(AND(M133=TRUE,M134=FALSE,M135=FALSE,D175>=J136,OR(D123=\"Part-Time\",D123=\"Varies\",D123=\"Varies / Averaged\",D123=\"Seasonal\")),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Total qualifying income determined with earnings from YTD \",B133,\".\")","v":"Total qualifying income determined with earnings from YTD 2020."}]
[]
[" #2 - included in calcs",null,null,{"$f":"IF(ISERROR(J136),\"Total qualifying income to be determined.\",VLOOKUP(TRUE,D202:E208,2,FALSE))","v":"Total qualifying income determined on current pay rate even if not supported with YTD earnings (may be due to pay increase earlier this year, or time off taken without pay, etc.). LOE required."}]
[]
[" #3 - average hours worked",null,null,{"$f":"IF(ISERROR(J136),\"Average weekly hours worked to be determined.\",IF(AND(E133=0,E134=0,E135=0),\"Average weekly hours worked to be determined.\",IF(OR(D121=0,D121=\"\",D123=A115,D123=A117),\"Average weekly hours worked vary.\",CONCATENATE(\"YTD earnings, at current rate of pay, reflect borrower is working an average of \",TEXT(D192,\"##.0\"),\" hours weekly.\"))))","v":"Average weekly hours worked to be determined."}]
[]
[" #4 - expected YTD total",null,null,{"$f":"IF(OR(ISERROR(J136),C133=\"\",D196=0),\"Expected amount of YTD earnings to be determined.\",VLOOKUP(D123,A110:E118,5,FALSE))","v":"Expected amount of YTD earnings to be determined."}]
[]
[" #5 - total average earnings",null,null,{"$f":"IF(OR(ISERROR(J136),F136=0),\"Total Average Base Earnings and period covered to be determined.\",CONCATENATE(\"Average Earnings:  Total earnings = \",DOLLAR(ROUND(H136,0),0),\" / Total months = \",Data_Income!I136,\" / Monthly average = \",DOLLAR(ROUND(J136,0),0),\".\"))","v":"Total Average Base Earnings and period covered to be determined."}]
[]
["BORROWER'S WRITTEN VOE (BONUS, COMSSIONS, OVERTIME)"]
[]
["VLOOKUP"]
[1,2,3,4,5]
["Search","Pay Periods","Hours","Term","Message"]
[{"$f":"$C$54","v":"Annually (1)"},{"$f":"$E$49","v":1},{"$f":"$F$49","v":2080},{"$f":"$G$49","v":"annually"},{"$f":"IF(D236=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D280,0),\" annually), borrower's YTD earnings would need to reflect \",DOLLAR(D302,0),\" as the total amount of base earnings from \",MONTH(C246),\"/\",DAY(C246),\"/\",YEAR(C246),\" to \",MONTH(D246),\"/\",DAY(D246),\"/\",YEAR(D246),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$51","v":"Bi-Weekly (26)"},{"$f":"$E$50","v":26},{"$f":"$F$50","v":80},{"$f":"$G$50","v":"bi-weekly"},{"$f":"IF(D236=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D280,0),\" bi-weekly), borrower's YTD earnings would need to reflect \",DOLLAR(D302,0),\" as the total amount of base earnings from \",MONTH(C246),\"/\",DAY(C246),\"/\",YEAR(C246),\" to \",MONTH(D246),\"/\",DAY(D246),\"/\",YEAR(D246),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$49","v":"Hourly (H)"},{"$f":"$E$51","v":2080},{"$f":"$F$51","v":1},{"$f":"$G$51","v":"hourly"},{"$f":"IF(D236=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D280,2),\" hourly), borrower's YTD earnings would need to reflect \",DOLLAR(D302,0),\" as the total amount of base earnings from \",MONTH(C246),\"/\",DAY(C246),\"/\",YEAR(C246),\" to \",MONTH(D246),\"/\",DAY(D246),\"/\",YEAR(D246),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$53","v":"Monthly (12)"},{"$f":"$E$52","v":12},{"$f":"$F$52","v":173.33333333333334},{"$f":"$G$52","v":"monthly"},{"$f":"IF(D236=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D280,0),\" monthly), borrower's YTD earnings would need to reflect \",DOLLAR(D302,0),\" as the total amount of base earnings from \",MONTH(C246),\"/\",DAY(C246),\"/\",YEAR(C246),\" to \",MONTH(D246),\"/\",DAY(D246),\"/\",YEAR(D246),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$55","v":"Part-Time"},{"$f":"$E$53","v":0},{"$f":"$F$53","v":0},{"$f":"$G$53","v":"part-time"},{"$f":"IF(D236=0,\"N/A\",CONCATENATE(\"Working Part-Time at averaged monthly pay, borrower's YTD earnings would need to reflect approximately \",DOLLAR(D302,0),\" as the total amount of base earnings from \",MONTH(C246),\"/\",DAY(C246),\"/\",YEAR(C246),\" to \",MONTH(D246),\"/\",DAY(D246),\"/\",YEAR(D246),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$56","v":"Seasonal"},{"$f":"$E$54","v":0},{"$f":"$F$54","v":0},{"$f":"$G$54","v":"seasonal"},{"$f":"IF(D236=0,\"N/A\",CONCATENATE(\"Working Seasonal at averaged monthly pay, borrower's YTD earnings would need to reflect approximately \",DOLLAR(D302,0),\" as the total amount of base earnings from \",MONTH(C246),\"/\",DAY(C246),\"/\",YEAR(C246),\" to \",MONTH(D246),\"/\",DAY(D246),\"/\",YEAR(D246),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$52","v":"Semi-Monthly (24)"},{"$f":"$E$55","v":24},{"$f":"$F$55","v":86.666666666666671},{"$f":"$G$55","v":"semi-monthly"},{"$f":"IF(D236=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D280,2),\" semi-monthly), borrower's YTD earnings would need to reflect \",DOLLAR(D302,0),\" as the total amount of base earnings from \",MONTH(C246),\"/\",DAY(C246),\"/\",YEAR(C246),\" to \",MONTH(D246),\"/\",DAY(D246),\"/\",YEAR(D246),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$57","v":"Varies / Averaged"},{"$f":"$E$56","v":0},{"$f":"$F$56","v":0},{"$f":"$G$56","v":"varies"},{"$f":"IF(D236=0,\"N/A\",CONCATENATE(\"Based on calculated averaged monthly earnings, borrower's YTD earnings should reflect approximately \",DOLLAR(D302,0),\" as the total amount of base income earned from \",MONTH(C246),\"/\",DAY(C246),\"/\",YEAR(C246),\" to \",MONTH(D246),\"/\",DAY(D246),\"/\",YEAR(D246),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$50","v":"Weekly (52)"},{"$f":"$E$57","v":52},{"$f":"$F$57","v":40},{"$f":"$G$57","v":"weekly"},{"$f":"IF(D236=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D280,2),\" weekly), borrower's YTD earnings would need to reflect \",DOLLAR(D302,0),\" as the total amount of base earnings from \",MONTH(C246),\"/\",DAY(C246),\"/\",YEAR(C246),\" to \",MONTH(D246),\"/\",DAY(D246),\"/\",YEAR(D246),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[]
[" Document date",null,null,{"$f":"'B-Written VOE'!V14","v":"00:00:00"},null,null,"/ Date of document as entered by user in the box/field between document type and rate of pay"]
[" Rate of Pay",null,null,{"$f":"IF(OR('B-Written VOE'!AK14=\"\",'B-Written VOE'!AK14=0),0,'B-Written VOE'!AK14)","v":0},null,null,"/ Rate of pay"]
[" Rate of Pay Message",null,null,{"$f":"IF(D236=A227,\"Hourly Rate of Pay (part-time)\",\"Rate of Pay\")","v":"Rate of Pay"}]
[" Pay period frequency",null,null,{"$f":"'B-Written VOE'!AZ14","v":0},null,null,"/ Pay period frequency as selected by user from drop down selections provided"]
[" Average hours per week",null,null,{"$f":"'B-Written VOE'!BR14","v":""},null,null,"/ Average weekly hours from box/field between pay period frequency and monthly earnings, field is blank and grayed out unless hourly pay period frequency is selected, then field becomes active and displays 40 hours as default, user may change figure."]
[" Annual earnings based on current rate",null,null,{"$f":"IF(OR(D234=0,D236=0),\"\",IF(D236=\"Hourly (H)\",(D234*D237)*52,D234*VLOOKUP(D236,A223:E231,2,FALSE)))","v":""},null,null,"/ Annual calculated earnings based on current rate and pay period frequency selected, and average hours per week (when hourly pay period frequency is selected)."]
[" Monthly earnings based on current rate",null,null,{"$f":"IF(OR(D234=0,D236=0),0,IF(OR(D236=A227,D236=A228,D236=A230),J249,ROUND(D238/12,0)))","v":0},null,null,"/ Annual earnings divided by 12 for monthly results  /  If \"Part-Time\", \"Seasonal\", or \"Varies\" is selected then \"See Below\" is displayed."]
[" Use current rate / pay increase",null,null,false,null,null,"/ True if option box \"qualify at current rate\" is selected and False if option box is left blank."]
[]
[" Date to (Gov Pay #)",null,{"$f":"HLOOKUP('B-Written VOE'!N18,Data_Income!A62:H63,2)","v":8},{"$f":"IF(AND('B-Written VOE'!V14=\"\",'B-Written VOE'!AV17=\"\"),\"\",IF(AND('B-Written VOE'!V14<>\"\",'B-Written VOE'!AV17=\"\"),'B-Written VOE'!V14,IF('B-Written VOE'!AV17<>\"\",VLOOKUP('B-Written VOE'!AV17,Data_Income!A64,C129))))","v":""}]
[null,null,null,null,null,{"$f":"IF(OR(E246=\"\",E246=0),\"\",IF(AND(MONTH(D246)=2,DAY(D246)>27),2,ROUND((((D246-C246)+1)/365)*12,1)))","v":""},"IF(D239=0,G246,IF(AND(D240=TRUE,A246=TRUE,D239>G246),G246,"]
["BASE EARNINGS",null,null,null,null,null,null,"Include in Calculations",null,null,"Variances"]
["Include calcs","Year","Date From","Date To","Total","Months","Monthly","Earnings","Months","Total","% Change","Inc / Dec","Stats"]
[false,{"$f":"'B-Written VOE'!N18","v":2020},{"$f":"'B-Written VOE'!V18","v":"2020-01-01"},{"$f":"'B-Written VOE'!AK18","v":""},{"$f":"'B-Written VOE'!AZ18","v":0},{"$f":"IF(OR(E246=\"\",E246=0),\"\",ROUND((((D246-C246)+1)/365)*12,1))","v":""},{"$f":"IF(OR(D246=\"\",E246=\"\",E246=0),\"\",ROUND(E246/F246,0))","v":""},{"$f":"IF(A246=TRUE,E246,0)","v":0},{"$f":"IF(A246=TRUE,F246,0)","v":0},{"$f":"IF(OR(A246=FALSE,H246=0,I246=0),0,ROUND(H246/I246,0))","v":0},{"$f":"IF(OR(G246=\"\",G246=0,G247=\"\",G247=0),100,IF(G246>G247,((G246-G247)/G247)*100,((G247-G246)/G247)*100))","v":100},{"$f":"IF(G246>G247,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A246=TRUE,E246>0),TRUE,FALSE)","v":false}]
[false,{"$f":"'B-Written VOE'!N19","v":2019},{"$f":"'B-Written VOE'!V19","v":"2019-01-01"},{"$f":"'B-Written VOE'!AK19","v":"2019-12-31"},{"$f":"'B-Written VOE'!AZ19","v":0},{"$f":"IF(OR(E247=\"\",E247=0),\"\",IF(AND(MONTH(D247)=2,DAY(D247)>27),2,ROUND((((D247-C247)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D247=\"\",E247=\"\",E247=0),\"\",ROUND(E247/F247,0))","v":""},{"$f":"IF(A247=TRUE,E247,0)","v":0},{"$f":"IF(A247=TRUE,F247,0)","v":0},{"$f":"IF(OR(A247=FALSE,H247=0,I247=0),0,ROUND(H247/I247,0))","v":0},{"$f":"IF(OR(G247=\"\",G247=0,G248=\"\",G248=0),100,IF(G247>G248,((G247-G248)/G248)*100,((G248-G247)/G248)*100))","v":100},{"$f":"IF(G247>G248,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A247=TRUE,E247>0),TRUE,FALSE)","v":false}]
[false,{"$f":"'B-Written VOE'!N20","v":2018},{"$f":"'B-Written VOE'!V20","v":"2018-01-01"},{"$f":"'B-Written VOE'!AK20","v":"2018-12-31"},{"$f":"'B-Written VOE'!AZ20","v":0},{"$f":"IF(OR(E248=\"\",E248=0),\"\",IF(AND(MONTH(D248)=2,DAY(D248)>27),2,ROUND((((D248-C248)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D248=\"\",E248=\"\",E248=0),\"\",ROUND(E248/F248,0))","v":""},{"$f":"IF(A248=TRUE,E248,0)","v":0},{"$f":"IF(A248=TRUE,F248,0)","v":0},{"$f":"IF(OR(A248=FALSE,H248=0,I248=0),0,ROUND(H248/I248,0))","v":0},{"$f":"IF(OR(G246=\"\",G246=0,G248=\"\",G248=0),100,IF(G246>G248,((G246-G248)/G248)*100,((G248-G246)/G248)*100))","v":100},{"$f":"IF(G246>G248,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A248=TRUE,E248>0),TRUE,FALSE)","v":false}]
[" Totals",null,null,null,{"$f":"SUM(E246:E248)","v":0},{"$f":"SUM(F246:F248)","v":0},{"$f":"IF(AND(D240=TRUE),D239,IF(D240=FALSE,J249,MIN(D239,J249)))","v":0},{"$f":"IF(SUM(E246:E248)=0,0,SUM(H246:H248))","v":0},{"$f":"IF(SUM(F246:F248)=0,0,SUM(I246:I248))","v":0},{"$f":"IF(I249=0,0,ROUND(H249/I249,0))","v":0},null,null,null,null,"=IF(AND(D213=0,D215=0),0,IF(D219=TRUE,D218,IF(OR(D215=A206,D215=A207,D215=A209),J226,IF(D219=FALSE,MIN(D218,G223)))))"]
[]
["UNREIMBURSED EMPLOYEE EXPENSES"]
[]
["Inc / Exc","Year","Amt Claimed","Depreciation","Buss Miles","BM addback","Total","Months",null,null,"Average"]
[false,{"$f":"'B-Written VOE'!G50","v":2019},{"$f":"'B-Written VOE'!P50","v":0},{"$f":"'B-Written VOE'!AG50","v":0},{"$f":"'B-Written VOE'!AW50","v":0},{"$f":"IF(OR(A254=FALSE,C254=0,E254=0),0,E254*VLOOKUP(B254,$C$37:$D$42,2))","v":0},{"$f":"IF(A254=FALSE,\"\",IF(AND(D254>0,E254>0),0,IF(AND(D254>0,E254<=0),ROUNDDOWN(C254-D254,0),IF(AND(D254<=0,E254>0),ROUNDDOWN(C254-F254,0),C254))))","v":""},{"$f":"'B-Written VOE'!CB50","v":""},null,null,{"$f":"IF(A254=FALSE,\"\",IF(C254=0,0,IF(AND(D254>0,E254>0),\"Error Dep & Buss\",ROUNDDOWN(G254/H254,0))))","v":""}]
[false,{"$f":"'B-Written VOE'!G51","v":2018},{"$f":"'B-Written VOE'!P51","v":0},{"$f":"'B-Written VOE'!AG51","v":0},{"$f":"'B-Written VOE'!AW51","v":0},{"$f":"IF(OR(A255=FALSE,C255=0,E255=0),0,E255*VLOOKUP(B255,$C$37:$D$42,2))","v":0},{"$f":"IF(A255=FALSE,\"\",IF(AND(D255>0,E255>0),0,IF(AND(D255>0,E255<=0),ROUNDDOWN(C255-D255,0),IF(AND(D255<=0,E255>0),ROUNDDOWN(C255-F255,0),C255))))","v":""},{"$f":"'B-Written VOE'!CB51","v":""},null,null,{"$f":"IF(A255=FALSE,\"\",IF(C255=0,0,IF(AND(D255>0,E255>0),\"Error Dep & Buss\",ROUNDDOWN(G255/H255,0))))","v":""}]
[" Totals",null,null,null,{"$f":"SUM(E254:E255)","v":0},{"$f":"SUM(F254:F255)","v":0},{"$f":"SUM(G254:G255)","v":0},{"$f":"SUM(H254:H255)","v":0},null,null,{"$f":"IF(ISERROR(G256/H256),0,IF(AND(A254=TRUE,A255=TRUE),ROUND(G256/H256,0),IF(AND(A254=TRUE,A255=FALSE),K254,IF(AND(A254=FALSE,A255=TRUE),K255,0))))","v":0}]
[]
[" Deduct from base earnings",null,null,true,null,null,"/ Checkbox option results to deduct unreimbursed employee expenses from base earnings, if not deducted from base earnings, then underwriter to enter unreimbursed employee expenses as a monthly liability"]
[]
["STATISTICS  —  VARIANCES IN EARNINGS"]
[]
[null,null,"Amount","Difference-$","Difference-%","+/-","Data Validation","Message"]
[{"$f":"CONCATENATE(\" Total \",B246,\" YTD\")","v":" Total 2020 YTD"},null,{"$f":"IF(OR(G246=0,G246=\"\"),0,G246)","v":0},{"$f":"ABS(C263-C264)","v":0},{"$f":"IF(AND(C263=0,C264=0),\"\",IF(C264=0,100%,D263/C264))","v":""},{"$f":"IF(AND(C263=0,C264=0),\"\",IF(C263>C264,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C263=0,C264=0),\"\",IF(AND(F263=\" Increase\",(C264+(C264*E263))=C263),\"PASS\",IF(AND(F263=\" Decrease\",(C264-(C264*E263))=C263),\"PASS\",\"FAIL\")))","v":""},{"$f":"IF(OR(C263=0,C263=\"\"),\" \",CONCATENATE(B247,\" to \",B246,\" = \",TEXT(E263,\"###.0%\"),F263))","v":" "}]
[{"$f":"CONCATENATE(\" Total \",B247)","v":" Total 2019"},null,{"$f":"IF(OR(G247=0,G247=\"\"),0,G247)","v":0},{"$f":"ABS(C264-C265)","v":0},{"$f":"IF(AND(C264=0,C265=0),\"\",IF(C265=0,100%,D264/C265))","v":""},{"$f":"IF(AND(C264=0,C265=0),\"\",IF(C264>C265,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C264=0,C265=0),\"\",IF(AND(F264=\" Increase\",(C265+(C265*E264))=C264),\"PASS\",IF(AND(F264=\" Decrease\",(C265-(C265*E264))=C264),\"PASS\",\"FAIL\")))","v":""},{"$f":"IF(OR(C264=0,C264=\"\"),\" \",CONCATENATE(B248,\" to \",B247,\" = \",TEXT(E264,\"###.0%\"),F264))","v":" "}]
[{"$f":"CONCATENATE(\" Total \",B248)","v":" Total 2018"},null,{"$f":"IF(OR(G248=0,G248=\"\"),0,G248)","v":0},{"$f":"ABS(C263-C265)","v":0},null,null,null,{"$f":"IF(OR(C265=0,C265=\"\"),\" \",CONCATENATE(B238,\" to \",B236,\" = \",TEXT(E265,\"###.0%\"),F265))","v":" "}]
[]
[null,null,{"$f":"IF(AND(C263>=0,C264>0,C265>0),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Variances in earnings:  \",H264,\"  &  \",H263)","v":"Variances in earnings:     &   "}]
[null,null,{"$f":"IF(AND(C263>0,C264>0,C265>=0),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Variances in earnings:  \",H263)","v":"Variances in earnings:   "}]
[null,null,{"$f":"IF(AND(C263>0,C264>=0,C265>0),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Variances in earnings:  \",H264)","v":"Variances in earnings:   "}]
[null,null,{"$f":"IF(AND(C264=0,C265=0,C266=0),TRUE,FALSE)","v":true},"Variances in earnings not determined."]
[]
["STATISTICS  —  AVERAGE WORKING HOURS"]
[]
[" YTD (date)",null,null,{"$f":"D246","v":""}]
[{"$f":"CONCATENATE(\" Total earnings (\",B246,\" YTD)\")","v":" Total earnings (2020 YTD)"},null,null,{"$f":"E246","v":0},null,{"$f":"EOMONTH(DATE(YEAR(TODAY()),1,1),2)","v":"2020-03-31"}]
[{"$f":"CONCATENATE(\" Months included (\",B246,\" YTD)\")","v":" Months included (2020 YTD)"},null,null,{"$f":"IF(F246=\"\",0,F246)","v":0}]
[]
[" Total earnings",null,null,{"$f":"IF(OR(A246=FALSE,E246=\"\"),0,D275)","v":0},null,null,"/ YTD earnings"]
[" Months included in YTD Earnings",null,null,{"$f":"IF(OR(A246=FALSE,E246=\"\",E246=0,F246=0),0,D276)","v":0},null,null,"/ months calculated based on user entered dates on YTD line"]
[" Rate of Pay",null,null,{"$f":"D234","v":0},null,null,"/ Rate of pay"]
[" Average monthly earnings (YTD)",null,null,{"$f":"IF(OR(D278=0,D279=0,),0,D278/D279)","v":0},null,null,"/ Average monthly earnings calculated from YTD total"]
[" Total YTD and pervious years earnings",null,null,{"$f":"H249","v":0},null,null,"/ Average monthly earnings calculated from totals of all years selected"]
[]
[" Calculated Averages - YTD"]
["Average monthly earnings (YTD)",null,null,{"$f":"D281","v":0}]
["Average calculated annual earnings",null,null,{"$f":"D285*12","v":0}]
["Average calculated weekly earnings",null,null,{"$f":"D286/52","v":0}]
["Hourly rate of pay",null,null,{"$f":"D234","v":0}]
["Average calculated weekly hours",null,null,{"$f":"IF(D288=0,0,IF(D240=TRUE,40,IF(AND(D240=FALSE,D288>0,D236=\"Hourly (H)\",E246=0),40,IF((D287/D288)>40,40,D287/D288))))","v":0}]
["Avg weekly hours display",null,null,{"$f":"IF(D236=\"Hourly (H)\",D289,\"N/A\")","v":"N/A"}]
["Weekly hours message",null,null,{"$f":"IF(D288=0,\"Weekly\",IF(OR(D236<>\"Hourly (H)\",(D287/D288)>40),\"Weekly\",\"Average Weekly\"))","v":"Weekly"}]
[]
[{"$f":"CONCATENATE(\" Total days (\",B246,\" YTD)\")","v":" Total days (2020 YTD)"},null,null,{"$f":"IF(D246=\"\",0,(D246-C246)+1)","v":0},null,null,"/ Total days determined by taking Date To minus Date From for the particular period"]
[{"$f":"CONCATENATE(\" Total weeks (\",B246,\" YTD)\")","v":" Total weeks (2020 YTD)"},null,null,{"$f":"ROUND(D293/7,0)","v":0},null,null,"/ Total weeks determined by taking Total Days ÷ 7 for the particular period"]
[]
[" Total average earnings per week",null,null,{"$f":"(D281*12)/52","v":0},null,null,"/ If Part-Time, Seasonal or Varies/Averaged is selected, then grand total income of all years cobmined ÷ grand total weeks, for any other selection Total YTD Earnings ÷ Total Weeks for YTD period"]
[" Earnings per hour",null,null,{"$f":"IF(OR(D236=0,D296=0),0,IF(OR(D236=A227,D236=A228,D236=A230),D234,D234/VLOOKUP(D236,A223:E231,3)))","v":0},null,null,"/ If Part-Time, Seasonal or Varies/Averaged is selected, then use Rate of Pay, for any other selection Rate of Pay ÷ Pay Period Frequency periods"]
[" Average weekly hours",null,null,{"$f":"IF(D297=0,0,ROUND(D296/D297,1))","v":0},null,null,"/ Average weekly hours worked based on total average earnings per week ÷ earnings per hour."]
[]
[" Monthly Calculated Earnings",null,null,{"$f":"IF(OR(D236=A227,D236=A228,D236=A230),J249,D239)","v":0},null,null,"/ Average monthly earnings, minimum of YTD average monthly earnings or total average monthly earnings, determined with figures from current rate of pay and base earnings section of the income worksheet (top section)"]
[" Months included in YTD Earnings",null,null,{"$f":"IF(OR(E246=\"\",E246=0,A246=FALSE),\"\",ROUND((((D246-C246)+1)/365)*12,1))","v":""},null,null,"/ YTD \"Date To\" less YTD \"Date From\" ÷ 365 X 12"]
[" Expected YTD earnings",null,null,{"$f":"IF(OR(D300=0,D300=\"\",D301=0,D301=\"\"),0,ROUND(D300*D301,0))","v":0},null,null,"/ Monthly avearge earnings X months included in earnings"]
[]
[{"$f":"CONCATENATE(\"STATISTICS  —  CALCULATIONS FOR \",'B-Written VOE'!C23,\" EARNINGS\")","v":"STATISTICS  —  CALCULATIONS FOR OVERTIME EARNINGS"}]
[]
[{"$f":"CONCATENATE(\"Pay Type #1 -- \",'B-Written VOE'!C23)","v":"Pay Type #1 -- OVERTIME"},null,null,null,null,null,null,"Include in Calculations",null,null,"Variances"]
["Include calcs","Year","Date From","Date To","Total","Months","Monthly","Earnings","Months","Total","% Change","Inc / Dec","Stats"]
[false,{"$f":"'B-Written VOE'!N26","v":2020},{"$f":"'B-Written VOE'!V26","v":"2020-01-01"},{"$f":"'B-Written VOE'!AK26","v":""},{"$f":"'B-Written VOE'!AZ26","v":0},{"$f":"IF(OR(E308=\"\",E308=0),\"\",ROUND((((D308-C308)+1)/365)*12,1))","v":""},{"$f":"IF(OR(D308=\"\",E308=\"\",E308=0),\"\",ROUND(E308/F308,0))","v":""},{"$f":"IF(A308=TRUE,E308,0)","v":0},{"$f":"IF(A308=TRUE,F308,0)","v":0},{"$f":"IF(OR(A308=FALSE,H308=0,I308=0),0,ROUND(H308/I308,0))","v":0},{"$f":"IF(OR(G308=\"\",G308=0,G309=\"\",G309=0),100,IF(G308>G309,((G308-G309)/G309)*100,((G309-G308)/G309)*100))","v":100},{"$f":"IF(G308>G309,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A308=TRUE,E308>0),TRUE,FALSE)","v":false}]
[false,{"$f":"'B-Written VOE'!N27","v":2019},{"$f":"'B-Written VOE'!V27","v":"2019-01-01"},{"$f":"'B-Written VOE'!AK27","v":"2019-12-31"},{"$f":"'B-Written VOE'!AZ27","v":0},{"$f":"IF(OR(E309=\"\",E309=0),\"\",ROUND((((D309-C309)+1)/365)*12,1))","v":""},{"$f":"IF(OR(D309=\"\",E309=\"\",E309=0),\"\",ROUND(E309/F309,0))","v":""},{"$f":"IF(A309=TRUE,E309,0)","v":0},{"$f":"IF(A309=TRUE,F309,0)","v":0},{"$f":"IF(OR(A309=FALSE,H309=0,I309=0),0,ROUND(H309/I309,0))","v":0},{"$f":"IF(OR(G309=\"\",G309=0,G310=\"\",G310=0),100,IF(G309>G310,((G309-G310)/G310)*100,((G310-G309)/G310)*100))","v":100},{"$f":"IF(G309>G310,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A309=TRUE,E309>0),TRUE,FALSE)","v":false}]
[false,{"$f":"'B-Written VOE'!N28","v":2018},{"$f":"'B-Written VOE'!V28","v":"2018-01-01"},{"$f":"'B-Written VOE'!AK28","v":"2018-12-31"},{"$f":"'B-Written VOE'!AZ28","v":0},{"$f":"IF(OR(E310=\"\",E310=0),\"\",IF(AND(MONTH(D310)=2,DAY(D310)>27),2,ROUND((((D310-C310)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D310=\"\",E310=\"\",E310=0),\"\",ROUND(E310/F310,0))","v":""},{"$f":"IF(A310=TRUE,E310,0)","v":0},{"$f":"IF(A310=TRUE,F310,0)","v":0},{"$f":"IF(OR(A310=FALSE,H310=0,I310=0),0,ROUND(H310/I310,0))","v":0},{"$f":"IF(OR(G308=\"\",G308=0,G310=\"\",G310=0),100,IF(G308>G310,((G308-G310)/G310)*100,((G310-G308)/G310)*100))","v":100},{"$f":"IF(G308>G310,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A310=TRUE,E310>0),TRUE,FALSE)","v":false}]
[" Totals",null,null,null,{"$f":"SUM(E308:E310)","v":0},{"$f":"SUM(F308:F310)","v":0},{"$f":"IF(F311=0,0,ROUND(E311/F311,0))","v":0},{"$f":"IF(SUM(E308:E310)=0,0,ROUND(SUM(H308:H310),0))","v":0},{"$f":"IF(SUM(F308:F310)=0,0,ROUND(SUM(I308:I310),1))","v":0},{"$f":"IF(I311=0,0,ROUND(H311/I311,0))","v":0}]
[]
[{"$f":"CONCATENATE(\"STATISTICS  —  VARIANCES IN \",'B-Written VOE'!C23,\" EARNINGS\")","v":"STATISTICS  —  VARIANCES IN OVERTIME EARNINGS"}]
[]
[null,null,"Amount","Difference-$","Difference-%","+/-","Data Validation","Message"]
[{"$f":"CONCATENATE(\" Total \",B308,\" YTD\")","v":" Total 2020 YTD"},null,{"$f":"IF(OR(G308=0,G308=\"\"),0,G308)","v":0},{"$f":"ABS(C316-C317)","v":0},{"$f":"IF(AND(C316=0,C317=0),\"\",IF(C317=0,100%,D316/C317))","v":""},{"$f":"IF(AND(C316=0,C317=0),\"\",IF(C316>C317,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C316=0,C317=0),\"\",IF(AND(F316=\" Increase\",(C317+(C317*E316))=C316),\"PASS\",IF(AND(F316=\" Decrease\",(C317-(C317*E316))=C316),\"PASS\",\"FAIL\")))","v":""},{"$f":"IF(OR(C316=0,C316=\"\"),\" \",CONCATENATE(B309,\" to \",B308,\" = \",TEXT(E316,\"###.0%\"),F316))","v":" "}]
[{"$f":"CONCATENATE(\" Total \",B309)","v":" Total 2019"},null,{"$f":"IF(OR(G309=0,G309=\"\"),0,G309)","v":0},{"$f":"ABS(C317-C318)","v":0},{"$f":"IF(AND(C317=0,C318=0),\"\",IF(C318=0,100%,D317/C318))","v":""},{"$f":"IF(AND(C317=0,C318=0),\"\",IF(C317>C318,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C317=0,C318=0),\"\",IF(AND(F317=\" Increase\",(C318+(C318*E317))=C317),\"PASS\",IF(AND(F317=\" Decrease\",(C318-(C318*E317))=C317),\"PASS\",\"FAIL\")))","v":""},{"$f":"IF(OR(C317=0,C317=\"\"),\" \",CONCATENATE(B310,\" to \",B309,\" = \",TEXT(E317,\"###.0%\"),F317))","v":" "}]
[{"$f":"CONCATENATE(\" Total \",B2670)","v":" Total "},null,{"$f":"IF(OR(G310=0,G310=\"\"),0,G310)","v":0},{"$f":"ABS(C316-C318)","v":0},null,null,null,{"$f":"IF(OR(C318=0,C318=\"\"),\" \",CONCATENATE(B281,\" to \",B279,\" = \",TEXT(E318,\"###.0%\"),F318))","v":" "}]
[]
[{"$f":"CONCATENATE(\"STATISTICS  —  CALCULATIONS FOR \",'B-Written VOE'!C31,\" EARNINGS\")","v":"STATISTICS  —  CALCULATIONS FOR BONUS EARNINGS"}]
[null,null,null,null,null,{"$f":"IF(OR(E324=\"\",E324=0),\"\",IF(AND(MONTH(D324)=2,DAY(D324)>27),2,ROUND((((D324-C324)+1)/365)*12,1)))","v":""}]
[{"$f":"CONCATENATE(\"Pay Type #3 -- \",'B-Written VOE'!C31)","v":"Pay Type #3 -- BONUS"},null,null,null,null,null,null,"Include in Calculations",null,null,"Variances"]
["Include calcs","Year","Date From","Date To","Total","Months","Monthly","Earnings","Months","Total","% Change","Inc / Dec","Stats"]
[false,{"$f":"'B-Written VOE'!N34","v":2020},{"$f":"'B-Written VOE'!V34","v":"2020-01-01"},{"$f":"'B-Written VOE'!AK34","v":""},{"$f":"'B-Written VOE'!AZ34","v":0},{"$f":"IF(OR(E324=\"\",E324=0),\"\",ROUND((((D324-C324)+1)/365)*12,1))","v":""},{"$f":"IF(OR(D324=\"\",E324=\"\",E324=0),\"\",ROUND(E324/F324,0))","v":""},{"$f":"IF(A324=TRUE,E324,0)","v":0},{"$f":"IF(A324=TRUE,F324,0)","v":0},{"$f":"IF(OR(A324=FALSE,H324=0,I324=0),0,ROUND(H324/I324,0))","v":0},{"$f":"IF(OR(G324=\"\",G324=0,G325=\"\",G325=0),100,IF(G324>G325,((G324-G325)/G325)*100,((G325-G324)/G325)*100))","v":100},{"$f":"IF(G324>G325,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A324=TRUE,E324>0),TRUE,FALSE)","v":false}]
[false,{"$f":"'B-Written VOE'!N35","v":2019},{"$f":"'B-Written VOE'!V35","v":"2019-01-01"},{"$f":"'B-Written VOE'!AK35","v":"2019-12-31"},{"$f":"'B-Written VOE'!AZ35","v":0},{"$f":"IF(OR(E325=\"\",E325=0),\"\",IF(AND(MONTH(D325)=2,DAY(D325)>27),2,ROUND((((D325-C325)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D325=\"\",E325=\"\",E325=0),\"\",ROUND(E325/F325,0))","v":""},{"$f":"IF(A325=TRUE,E325,0)","v":0},{"$f":"IF(A325=TRUE,F325,0)","v":0},{"$f":"IF(OR(A325=FALSE,H325=0,I325=0),0,ROUND(H325/I325,0))","v":0},{"$f":"IF(OR(G325=\"\",G325=0,G326=\"\",G326=0),100,IF(G325>G326,((G325-G326)/G326)*100,((G326-G325)/G326)*100))","v":100},{"$f":"IF(G325>G326,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A325=TRUE,E325>0),TRUE,FALSE)","v":false}]
[false,{"$f":"'B-Written VOE'!N36","v":2018},{"$f":"'B-Written VOE'!V36","v":"2018-01-01"},{"$f":"'B-Written VOE'!AK36","v":"2018-12-31"},{"$f":"'B-Written VOE'!AZ36","v":0},{"$f":"IF(OR(E326=\"\",E326=0),\"\",IF(AND(MONTH(D326)=2,DAY(D326)>27),2,ROUND((((D326-C326)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D326=\"\",E326=\"\",E326=0),\"\",ROUND(E326/F326,0))","v":""},{"$f":"IF(A326=TRUE,E326,0)","v":0},{"$f":"IF(A326=TRUE,F326,0)","v":0},{"$f":"IF(OR(A326=FALSE,H326=0,I326=0),0,ROUND(H326/I326,0))","v":0},{"$f":"IF(OR(G324=\"\",G324=0,G326=\"\",G326=0),100,IF(G324>G326,((G324-G326)/G326)*100,((G326-G324)/G326)*100))","v":100},{"$f":"IF(G324>G326,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A326=TRUE,E326>0),TRUE,FALSE)","v":false}]
[" Totals",null,null,null,{"$f":"SUM(E324:E326)","v":0},{"$f":"SUM(F324:F326)","v":0},{"$f":"IF(F327=0,0,ROUND(E327/F327,0))","v":0},{"$f":"IF(SUM(E324:E326)=0,0,ROUND(SUM(H324:H326),0))","v":0},{"$f":"IF(SUM(F324:F326)=0,0,ROUND(SUM(I324:I326),1))","v":0},{"$f":"IF(I327=0,0,ROUND(H327/I327,0))","v":0}]
[]
[{"$f":"CONCATENATE(\"STATISTICS  —  VARIANCES IN \",'B-Written VOE'!C31,\" EARNINGS\")","v":"STATISTICS  —  VARIANCES IN BONUS EARNINGS"}]
[]
[null,null,"Amount","Difference-$","Difference-%","+/-","Data Validation","Message"]
[{"$f":"CONCATENATE(\" Total \",B324,\" YTD\")","v":" Total 2020 YTD"},null,{"$f":"IF(OR(G324=0,G324=\"\"),0,G324)","v":0},{"$f":"ABS(C332-C333)","v":0},{"$f":"IF(AND(C332=0,C333=0),\"\",IF(C333=0,100%,D332/C333))","v":""},{"$f":"IF(AND(C332=0,C333=0),\"\",IF(C332>C333,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C332=0,C333=0),\"\",IF(AND(F332=\" Increase\",(C333+(C333*E332))=C332),\"PASS\",IF(AND(F332=\" Decrease\",(C333-(C333*E332))=C332),\"PASS\",\"FAIL\")))","v":""},{"$f":"IF(OR(C332=0,C332=\"\"),\" \",CONCATENATE(B325,\" to \",B324,\" = \",TEXT(E332,\"###.0%\"),F332))","v":" "}]
[{"$f":"CONCATENATE(\" Total \",B325)","v":" Total 2019"},null,{"$f":"IF(OR(G325=0,G325=\"\"),0,G325)","v":0},{"$f":"ABS(C333-C334)","v":0},{"$f":"IF(AND(C333=0,C334=0),\"\",IF(C334=0,100%,D333/C334))","v":""},{"$f":"IF(AND(C333=0,C334=0),\"\",IF(C333>C334,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C333=0,C334=0),\"\",IF(AND(F333=\" Increase\",(C334+(C334*E333))=C333),\"PASS\",IF(AND(F333=\" Decrease\",(C334-(C334*E333))=C333),\"PASS\",\"FAIL\")))","v":""},{"$f":"IF(OR(C333=0,C333=\"\"),\" \",CONCATENATE(B326,\" to \",B325,\" = \",TEXT(E333,\"###.0%\"),F333))","v":" "}]
[{"$f":"CONCATENATE(\" Total \",B2691)","v":" Total "},null,{"$f":"IF(OR(G326=0,G326=\"\"),0,G326)","v":0},{"$f":"ABS(C332-C334)","v":0},null,null,null,{"$f":"IF(OR(C334=0,C334=\"\"),\" \",CONCATENATE(B299,\" to \",B297,\" = \",TEXT(E334,\"###.0%\"),F334))","v":" "}]
[]
[{"$f":"CONCATENATE(\"STATISTICS  —  CALCULATIONS FOR \",'B-Written VOE'!C39,\" EARNINGS\")","v":"STATISTICS  —  CALCULATIONS FOR COMMISSIONS EARNINGS"}]
[]
[{"$f":"CONCATENATE(\"Pay Type #3 -- \",'B-Written VOE'!C39)","v":"Pay Type #3 -- COMMISSIONS"},null,null,null,null,null,null,"Include in Calculations",null,null,"Variances"]
["Include calcs","Year","Date From","Date To","Total","Months","Monthly","Earnings","Months","Total","% Change","Inc / Dec","Stats"]
[false,{"$f":"'B-Written VOE'!N42","v":2020},{"$f":"'B-Written VOE'!V42","v":"2020-01-01"},{"$f":"'B-Written VOE'!AK42","v":"2020-01-15"},{"$f":"'B-Written VOE'!AZ42","v":0},{"$f":"IF(OR(E340=\"\",E340=0),\"\",ROUND((((D340-C340)+1)/365)*12,1))","v":""},{"$f":"IF(OR(D340=\"\",E340=\"\",E340=0),\"\",ROUND(E340/F340,0))","v":""},{"$f":"IF(A340=TRUE,E340,0)","v":0},{"$f":"IF(A340=TRUE,F340,0)","v":0},{"$f":"IF(OR(A340=FALSE,H340=0,I340=0),0,ROUND(H340/I340,0))","v":0},{"$f":"IF(OR(G340=\"\",G340=0,G341=\"\",G341=0),100,IF(G340>G341,((G340-G341)/G341)*100,((G341-G340)/G341)*100))","v":100},{"$f":"IF(G340>G341,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A340=TRUE,E340>0),TRUE,FALSE)","v":false}]
[false,{"$f":"'B-Written VOE'!N43","v":2019},{"$f":"'B-Written VOE'!V43","v":"2019-01-01"},{"$f":"'B-Written VOE'!AK43","v":"2019-12-31"},{"$f":"'B-Written VOE'!AZ43","v":0},{"$f":"IF(OR(E341=\"\",E341=0),\"\",IF(AND(MONTH(D341)=2,DAY(D341)>27),2,ROUND((((D341-C341)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D341=\"\",E341=\"\",E341=0),\"\",ROUND(E341/F341,0))","v":""},{"$f":"IF(A341=TRUE,E341,0)","v":0},{"$f":"IF(A341=TRUE,F341,0)","v":0},{"$f":"IF(OR(A341=FALSE,H341=0,I341=0),0,ROUND(H341/I341,0))","v":0},{"$f":"IF(OR(G341=\"\",G341=0,G342=\"\",G342=0),100,IF(G341>G342,((G341-G342)/G342)*100,((G342-G341)/G342)*100))","v":100},{"$f":"IF(G341>G342,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A341=TRUE,E341>0),TRUE,FALSE)","v":false}]
[false,{"$f":"'B-Written VOE'!N44","v":2018},{"$f":"'B-Written VOE'!V44","v":"2018-01-01"},{"$f":"'B-Written VOE'!AK44","v":"2018-12-31"},{"$f":"'B-Written VOE'!AZ44","v":0},{"$f":"IF(OR(E342=\"\",E342=0),\"\",IF(AND(MONTH(D342)=2,DAY(D342)>27),2,ROUND((((D342-C342)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D342=\"\",E342=\"\",E342=0),\"\",ROUND(E342/F342,0))","v":""},{"$f":"IF(A342=TRUE,E342,0)","v":0},{"$f":"IF(A342=TRUE,F342,0)","v":0},{"$f":"IF(OR(A342=FALSE,H342=0,I342=0),0,ROUND(H342/I342,0))","v":0},{"$f":"IF(OR(G340=\"\",G340=0,G342=\"\",G342=0),100,IF(G340>G342,((G340-G342)/G342)*100,((G342-G340)/G342)*100))","v":100},{"$f":"IF(G340>G342,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A342=TRUE,E342>0),TRUE,FALSE)","v":false}]
[" Totals",null,null,null,{"$f":"SUM(E340:E342)","v":0},{"$f":"SUM(F340:F342)","v":0},{"$f":"IF(F343=0,0,ROUND(E343/F343,0))","v":0},{"$f":"IF(SUM(E340:E342)=0,0,ROUND(SUM(H340:H342),0))","v":0},{"$f":"IF(SUM(F340:F342)=0,0,ROUND(SUM(I340:I342),1))","v":0},{"$f":"IF(I343=0,0,ROUND(H343/I343,0))","v":0}]
[]
[{"$f":"CONCATENATE(\"STATISTICS  —  VARIANCES IN \",'B-Written VOE'!C39,\" EARNINGS\")","v":"STATISTICS  —  VARIANCES IN COMMISSIONS EARNINGS"}]
[]
[null,null,"Amount","Difference-$","Difference-%","+/-","Data Validation","Message"]
[{"$f":"CONCATENATE(\" Total \",B340,\" YTD\")","v":" Total 2020 YTD"},null,{"$f":"IF(OR(G340=0,G340=\"\"),0,G340)","v":0},{"$f":"ABS(C348-C349)","v":0},{"$f":"IF(AND(C348=0,C349=0),\"\",IF(C349=0,100%,D348/C349))","v":""},{"$f":"IF(AND(C348=0,C349=0),\"\",IF(C348>C349,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C348=0,C349=0),\"\",IF(AND(F348=\" Increase\",(C349+(C349*E348))=C348),\"PASS\",IF(AND(F348=\" Decrease\",(C349-(C349*E348))=C348),\"PASS\",\"FAIL\")))","v":""},{"$f":"IF(OR(C348=0,C348=\"\"),\" \",CONCATENATE(B341,\" to \",B340,\" = \",TEXT(E348,\"###.0%\"),F348))","v":" "}]
[{"$f":"CONCATENATE(\" Total \",B341)","v":" Total 2019"},null,{"$f":"IF(OR(G341=0,G341=\"\"),0,G341)","v":0},{"$f":"ABS(C349-C350)","v":0},{"$f":"IF(AND(C349=0,C350=0),\"\",IF(C350=0,100%,D349/C350))","v":""},{"$f":"IF(AND(C349=0,C350=0),\"\",IF(C349>C350,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C349=0,C350=0),\"\",IF(AND(F349=\" Increase\",(C350+(C350*E349))=C349),\"PASS\",IF(AND(F349=\" Decrease\",(C350-(C350*E349))=C349),\"PASS\",\"FAIL\")))","v":""},{"$f":"IF(OR(C349=0,C349=\"\"),\" \",CONCATENATE(B342,\" to \",B341,\" = \",TEXT(E349,\"###.0%\"),F349))","v":" "}]
[{"$f":"CONCATENATE(\" Total \",B2712)","v":" Total "},null,{"$f":"IF(OR(G342=0,G342=\"\"),0,G342)","v":0},{"$f":"ABS(C348-C350)","v":0}]
[]
["TOTAL QUALIFYING EARNINGS"]
[]
[" Total Base Earnings",null,null,{"$f":"G249","v":0},null,{"$f":"IF(OR(D236=A227,D236=A228,D236=A230),CONCATENATE(\"total average earnings for the past \",I249,\" months\"),\"(lower of Current Rate or YTD avg, or explanation provided)\")","v":"(lower of Current Rate or YTD avg, or explanation provided)"}]
[" Total Average Unreimbursed Emp Expenses",null,null,{"$f":"IF(K256=0,0,IF(D258=TRUE,K256,0))","v":0}]
[" Total Calculated Qualifying Base Earnings",null,null,{"$f":"D354-D355","v":0}]
[]
[{"$f":"CONCATENATE(\" Total \",A306)","v":" Total Pay Type #1 -- OVERTIME"},null,null,true]
[{"$f":"CONCATENATE(\" Total \",A306)","v":" Total Pay Type #1 -- OVERTIME"},null,null,{"$f":"IF(D358=TRUE,J311,0)","v":0},null,{"$f":"IF(AND('B-Written VOE'!C23<>\"\",I311<>0),CONCATENATE(\" Additional \",'B-Written VOE'!C23,\" Earnings\"),CONCATENATE(\" Total \",I311,\" Months Average Monthly \",PROPER('B-Written VOE'!C23),\" Earnings\"))","v":" Total 0 Months Average Monthly Overtime Earnings"}]
[]
[{"$f":"CONCATENATE(\" Total \",A322)","v":" Total Pay Type #3 -- BONUS"},null,null,true]
[{"$f":"CONCATENATE(\" Total \",A322)","v":" Total Pay Type #3 -- BONUS"},null,null,{"$f":"IF(D361=TRUE,J327,0)","v":0},null,{"$f":"IF(AND('B-Written VOE'!C31<>\"\",I327<>0),CONCATENATE(\" Additional \",'B-Written VOE'!C31,\" Earnings\"),CONCATENATE(\" Total \",I327,\" Months Average Monthly \",PROPER('B-Written VOE'!C31),\" Earnings\"))","v":" Total 0 Months Average Monthly Bonus Earnings"}]
[]
[{"$f":"CONCATENATE(\" Total \",A338)","v":" Total Pay Type #3 -- COMMISSIONS"},null,null,true]
[{"$f":"CONCATENATE(\" Total \",A338)","v":" Total Pay Type #3 -- COMMISSIONS"},null,null,{"$f":"IF(D364=TRUE,J343,0)","v":0},null,{"$f":"IF(AND('B-Written VOE'!C39<>\"\",I343<>0),CONCATENATE(\" Additional \",'B-Written VOE'!C39,\" Earnings\"),CONCATENATE(\" Total \",I343,\" Months Average Monthly \",PROPER('B-Written VOE'!C39),\" Earnings\"))","v":" Total 0 Months Average Monthly Commissions Earnings"}]
[]
[" Other Additions or Subtractions to Income",null,null,{"$f":"'B-Written VOE'!CJ62","v":0}]
[]
[" Grand Total Monthly Earnings",null,null,{"$f":"D356+D359+D362+D365+D367","v":0}]
[]
["MESSAGES"]
[]
[" #1 - increase/decrease",null,null,{"$f":"IF(AND(E246=0,E247=0,E248=0),\"Variances in earnings not determined.\",CONCATENATE(\"Variances in earnings: \",H264,\"  &  \",H263))","v":"Variances in earnings not determined."}]
[]
[" #2 - Determination",null,null,{"$f":"IF(AND(D376=FALSE,D377=FALSE,D378=FALSE,D379=FALSE,D380=FALSE,D381=FALSE),TRUE,FALSE)","v":true},"Total qualifying income to be determined."]
["Current Rate of Pay",null,null,{"$f":"IF(D240=TRUE,TRUE,FALSE)","v":false},"Total qualifying income determined on current pay rate even if not supported with YTD earnings (may be due to pay increase earlier this year, or time off taken without pay, etc.). LOE required."]
["Salary",null,null,{"$f":"IF(AND(D240=FALSE,D239>0,D354>0,D354=D239),TRUE,FALSE)","v":false},"Total qualifying income determined on current salary, and supported by YTD earnings."]
["YTD lower",null,null,{"$f":"IF(AND(D240<>FALSE,D354<D239),TRUE,FALSE)","v":false},"Total qualifying income determined on YTD average monthly earnings which are lower than regular full-time salary."]
["YTD and previous 2 yrs",null,null,{"$f":"IF(AND(M246=TRUE,M247=TRUE,M248=TRUE,OR(D236=\"Part-Time\",D236=\"Varies\",D236=\"Varies / Averaged\",D236=\"Seasonal\")),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Total qualifying income determined with earnings averaged from YTD \",B246,\", Year \",B247,\", and Year \",B248,\".\")","v":"Total qualifying income determined with earnings averaged from YTD 2020, Year 2019, and Year 2018."}]
["YTD and previous 1",null,null,{"$f":"IF(AND(M246=TRUE,M247=TRUE,M248=FALSE,OR(D236=\"Part-Time\",D236=\"Varies\",D236=\"Varies / Averaged\",D236=\"Seasonal\")),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Total qualifying income determined with earnings averaged from YTD \",B246,\", and Year \",B247,\".\")","v":"Total qualifying income determined with earnings averaged from YTD 2020, and Year 2019."}]
["YTD only",null,null,{"$f":"IF(AND(M246=TRUE,M247=FALSE,M248=FALSE,OR(D236=\"Part-Time\",D236=\"Varies\",D236=\"Varies / Averaged\",D236=\"Seasonal\")),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Total qualifying income determined with earnings averaged from YTD \",B246,\".\")","v":"Total qualifying income determined with earnings averaged from YTD 2020."}]
[]
[" #2 - included in calcs",null,null,{"$f":"IF(ISERROR(G354),\"Total qualifying income to be determined.\",VLOOKUP(TRUE,D375:E381,2,FALSE))","v":"Total qualifying income to be determined."}]
[]
[" #3 - average hours worked",null,null,{"$f":"IF(ISERROR(G354),\"Total qualifying income to be determined.\",IF(AND(E246=0,E247=0,E248=0),\"Average weekly hours worked to be determined.\",IF(OR(D234=0,D234=\"\",D236=A228,D236=A230),\"Average weekly hours worked vary.\",CONCATENATE(\"YTD earnings, at current rate of pay, reflect borrower is working an average of \",TEXT(D298,\"##.0\"),\" hours weekly.\"))))","v":"Average weekly hours worked to be determined."}]
[]
[" #4 - expected YTD total",null,null,{"$f":"IF(ISERROR(G354),\"Total qualifying income to be determined.\",IF(OR(C246=\"\",D302=0),\"Expected amount of YTD earnings to be determined.\",VLOOKUP(D236,A223:E231,5,FALSE)))","v":"Expected amount of YTD earnings to be determined."}]
[]
[" #5 - total average earnings",null,null,{"$f":"IF(OR(ISERROR(J249),F249=0),\"Total Average Base Earnings and period covered to be determined.\",CONCATENATE(\"Average Earnings:  Total earnings = \",DOLLAR(ROUND(H249,0),0),\" / Total months = \",Data_Income!I249,\" / Monthly average = \",DOLLAR(ROUND(J249,0),0),\".\"))","v":"Total Average Base Earnings and period covered to be determined."}]
[]
[{"$f":"IF('B-Written VOE'!C23=\"~  ENTER DESCRIPTION OF ADDITIONAL EARNINGS  ~\",\"Additional Earnings Type 1\",CONCATENATE('B-Written VOE'!C23,\" Earnings\"))","v":"OVERTIME Earnings"}]
[" #1 - increase/decrease",null,null,{"$f":"IF(AND(E308=0,E309=0,E310=0),\"Variances in earnings not determined.\",CONCATENATE(\"Variances in earnings: \",H317,\"  &  \",H316))","v":"Variances in earnings not determined."}]
[" #2 - total average earnings",null,null,{"$f":"IF(OR(ISERROR(J311),F311=0),\"Total Average Base Earnings and period covered to be determined.\",CONCATENATE(\"Average Earnings:  Total earnings = \",DOLLAR(ROUND(H311,0),0),\" / Total months = \",Data_Income!I311,\" / Monthly average = \",DOLLAR(ROUND(J311,0),0),\".\"))","v":"Total Average Base Earnings and period covered to be determined."}]
[]
[{"$f":"IF('B-Written VOE'!C31=\"~  ENTER DESCRIPTION OF ADDITIONAL EARNINGS  ~\",\"Additional Earnings Type 2\",CONCATENATE('B-Written VOE'!C31,\" Earnings\"))","v":"BONUS Earnings"}]
[" #1 - increase/decrease",null,null,{"$f":"IF(AND(E324=0,E325=0,E326=0),\"Variances in earnings not determined.\",CONCATENATE(\"Variances in earnings: \",H333,\"  &  \",H332))","v":"Variances in earnings not determined."}]
[" #2 - total average earnings",null,null,{"$f":"IF(OR(ISERROR(J327),F327=0),\"Total Average Base Earnings and period covered to be determined.\",CONCATENATE(\"Average Earnings:  Total earnings = \",DOLLAR(ROUND(H327,0),0),\" / Total months = \",Data_Income!I327,\" / Monthly average = \",DOLLAR(ROUND(J327,0),0),\".\"))","v":"Total Average Base Earnings and period covered to be determined."}]
[]
[{"$f":"IF('B-Written VOE'!C23=\"~  ENTER DESCRIPTION OF ADDITIONAL EARNINGS  ~\",\"Additional Earnings Type 3\",CONCATENATE('B-Written VOE'!C39,\" Earnings\"))","v":"COMMISSIONS Earnings"}]
[" #1 - increase/decrease",null,null,{"$f":"IF(AND(E340=0,E341=0,E342=0),\"Variances in earnings not determined.\",CONCATENATE(\"Variances in earnings: \",H349,\"  &  \",H348))","v":"Variances in earnings not determined."}]
[" #2 - total average earnings",null,null,{"$f":"IF(OR(ISERROR(J343),F343=0),\"Total Average Base Earnings and period covered to be determined.\",CONCATENATE(\"Average Earnings:  Total earnings = \",DOLLAR(ROUND(H343,0),0),\" / Total months = \",Data_Income!I343,\" / Monthly average = \",DOLLAR(ROUND(J343,0),0),\".\"))","v":"Total Average Base Earnings and period covered to be determined."}]
[]
["CO-BORROWER'S PAYSTUB"]
[]
["VLOOKUP"]
[1,2,3,4,5]
["Search","Pay Periods","Hours","Term","Message"]
[{"$f":"$C$54","v":"Annually (1)"},{"$f":"$E$49","v":1},{"$f":"$F$49","v":2080},{"$f":"$G$49","v":"annually"},{"$f":"IF(D421=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D472,0),\" annually), borrower's YTD earnings would need to reflect \",DOLLAR(D494,0),\" as the total amount of base earnings from \",MONTH(C431),\"/\",DAY(C431),\"/\",YEAR(C431),\" to \",MONTH(D431),\"/\",DAY(D431),\"/\",YEAR(D431),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$51","v":"Bi-Weekly (26)"},{"$f":"$E$50","v":26},{"$f":"$F$50","v":80},{"$f":"$G$50","v":"bi-weekly"},{"$f":"IF(D421=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D472,0),\" bi-weekly), borrower's YTD earnings would need to reflect \",DOLLAR(D494,0),\" as the total amount of base earnings from \",MONTH(C431),\"/\",DAY(C431),\"/\",YEAR(C431),\" to \",MONTH(D431),\"/\",DAY(D431),\"/\",YEAR(D431),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$49","v":"Hourly (H)"},{"$f":"$E$51","v":2080},{"$f":"$F$51","v":1},{"$f":"$G$51","v":"hourly"},{"$f":"IF(D421=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D472,2),\" hourly), borrower's YTD earnings would need to reflect \",DOLLAR(D494,0),\" as the total amount of base earnings from \",MONTH(C431),\"/\",DAY(C431),\"/\",YEAR(C431),\" to \",MONTH(D431),\"/\",DAY(D431),\"/\",YEAR(D431),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$53","v":"Monthly (12)"},{"$f":"$E$52","v":12},{"$f":"$F$52","v":173.33333333333334},{"$f":"$G$52","v":"monthly"},{"$f":"IF(D421=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D472,0),\" monthly), borrower's YTD earnings would need to reflect \",DOLLAR(D494,0),\" as the total amount of base earnings from \",MONTH(C431),\"/\",DAY(C431),\"/\",YEAR(C431),\" to \",MONTH(D431),\"/\",DAY(D431),\"/\",YEAR(D431),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$55","v":"Part-Time"},{"$f":"$E$53","v":0},{"$f":"$F$53","v":0},{"$f":"$G$53","v":"part-time"},{"$f":"IF(D421=0,\"N/A\",CONCATENATE(\"Working Part-Time at averaged monthly pay, borrower's YTD earnings would need to reflect approximately \",DOLLAR(D472,0),\" as the total amount of base earnings from \",MONTH(C431),\"/\",DAY(C431),\"/\",YEAR(C431),\" to \",MONTH(D431),\"/\",DAY(D431),\"/\",YEAR(D431),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$56","v":"Seasonal"},{"$f":"$E$54","v":0},{"$f":"$F$54","v":0},{"$f":"$G$54","v":"seasonal"},{"$f":"IF(D421=0,\"N/A\",CONCATENATE(\"Working Seasonal at averaged monthly pay, borrower's YTD earnings would need to reflect approximately \",DOLLAR(D472,0),\" as the total amount of base earnings from \",MONTH(C431),\"/\",DAY(C431),\"/\",YEAR(C431),\" to \",MONTH(D431),\"/\",DAY(D431),\"/\",YEAR(D431),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$52","v":"Semi-Monthly (24)"},{"$f":"$E$55","v":24},{"$f":"$F$55","v":86.666666666666671},{"$f":"$G$55","v":"semi-monthly"},{"$f":"IF(D421=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D472,2),\" semi-monthly), borrower's YTD earnings would need to reflect \",DOLLAR(D494,0),\" as the total amount of base earnings from \",MONTH(C431),\"/\",DAY(C431),\"/\",YEAR(C431),\" to \",MONTH(D431),\"/\",DAY(D431),\"/\",YEAR(D431),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$57","v":"Varies / Averaged"},{"$f":"$E$56","v":0},{"$f":"$F$56","v":0},{"$f":"$G$56","v":"varies"},{"$f":"IF(D421=0,\"N/A\",CONCATENATE(\"Based on calculated averaged monthly earnings, borrower's YTD earnings should reflect approximately \",DOLLAR(D472,0),\" as the total amount of base income earned from \",MONTH(C431),\"/\",DAY(C431),\"/\",YEAR(C431),\" to \",MONTH(D431),\"/\",DAY(D431),\"/\",YEAR(D431),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$50","v":"Weekly (52)"},{"$f":"$E$57","v":52},{"$f":"$F$57","v":40},{"$f":"$G$57","v":"weekly"},{"$f":"IF(D421=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(#REF!,2),\" weekly), borrower's YTD earnings would need to reflect \",DOLLAR(D472,0),\" as the total amount of base earnings from \",MONTH(C431),\"/\",DAY(C431),\"/\",YEAR(C431),\" to \",MONTH(D431),\"/\",DAY(D431),\"/\",YEAR(D431),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[]
[" Document date",null,null,{"$f":"IF('CB-Paystubs'!V14=\"\",\"\",'CB-Paystubs'!V14)","v":""},null,null,"/ Date of document as entered by user in the box/field between document type and rate of pay"]
[" Rate of Pay",null,null,{"$f":"IF(OR('CB-Paystubs'!AK14=0,'CB-Paystubs'!AK14=\"\"),0,'CB-Paystubs'!AK14)","v":0},null,null,"/ Rate of pay"]
[" Rate of Pay Message",null,null,{"$f":"IF(D421=A412,\"Hourly Rate of Pay (part-time)\",\"Rate of Pay\")","v":"Rate of Pay"}]
[" Pay period frequency",null,null,{"$f":"'CB-Paystubs'!AZ14","v":0},null,null,"/ Pay period frequency as selected by user from drop down selections provided"]
[" Average hours per week",null,null,{"$f":"'CB-Paystubs'!BR14","v":""},null,null,"/ Average weekly hours from box/field between pay period frequency and monthly earnings, field is blank and grayed out unless hourly pay period frequency is selected, then field becomes active and displays 40 hours as default, user may change figure."]
[" Annual earnings based on current rate",null,null,{"$f":"IF(OR(D419=0,D421=0),\"\",IF(D421=\"Hourly (H)\",(D419*D422)*52,D419*VLOOKUP(D421,A408:E416,2)))","v":""},null,null,"/ Annual calculated earnings based on current rate and pay period frequency selected, and average hours per week (when hourly pay period frequency is selected)."]
[" Monthly earnings based on current rate",null,null,{"$f":"IF(OR(D419=0,D421=0),0,IF(OR(D421=A412,D421=A413,D421=A415),J434,ROUND(D423/12,0)))","v":0},null,null,"/ Annual earnings divided by 12 for monthly results  /  If \"Part-Time\", \"Seasonal\", or \"Varies\" is selected then \"See Below\" is displayed."]
[" Use current rate / pay increase",null,null,false,null,null,"/ True if option box \"qualify at current rate\" is selected and False if option box is left blank."]
[]
[" Date to (Gov Pay #)",null,{"$f":"HLOOKUP('CB-Paystubs'!N18,Data_Income!A62:H63,2)","v":8},{"$f":"IF(AND('CB-Paystubs'!V14=\"\",'CB-Paystubs'!AV17=\"\"),\"\",IF(AND('CB-Paystubs'!V14<>\"\",'CB-Paystubs'!AV17=\"\"),'CB-Paystubs'!V14,IF('CB-Paystubs'!AV17<>\"\",VLOOKUP('CB-Paystubs'!AV17,Data_Income!A64:H89,C129))))","v":""}]
[null,null,null,null,null,null,"IF(D424=0,G431,IF(AND(D425=TRUE,A431=TRUE,D424>G431),G431,"]
["BASE EARNINGS",null,null,null,null,null,null,"Include in Calculations",null,null,"Variances"]
["Include calcs","Year","Date From","Date To","Total","Months","Monthly","Earnings","Months","Total","% Change","Inc / Dec","Stats"]
[false,{"$f":"'CB-Paystubs'!N18","v":2020},{"$f":"'CB-Paystubs'!V18","v":"2020-01-01"},{"$f":"'CB-Paystubs'!AK18","v":""},{"$f":"'CB-Paystubs'!AZ18","v":0},{"$f":"IF(OR(E431=\"\",E431=0),\"\",ROUND((((D431-C431)+1)/365)*12,1))","v":""},{"$f":"IF(OR(D431=\"\",E431=\"\",E431=0),\"\",ROUND(E431/F431,0))","v":""},{"$f":"IF(A431=TRUE,E431,0)","v":0},{"$f":"IF(A431=TRUE,F431,0)","v":0},{"$f":"IF(OR(A431=FALSE,H431=0,I431=0),0,ROUND(H431/I431,0))","v":0},{"$f":"IF(OR(G431=\"\",G431=0,G432=\"\",G432=0),100,IF(G431>G432,((G431-G432)/G432)*100,((G432-G431)/G432)*100))","v":100},{"$f":"IF(G431>G432,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A431=TRUE,E431>0),TRUE,FALSE)","v":false}]
[false,{"$f":"'CB-Paystubs'!N19","v":2019},{"$f":"'CB-Paystubs'!V19","v":"2019-01-01"},{"$f":"'CB-Paystubs'!AK19","v":"2019-12-31"},{"$f":"'CB-Paystubs'!AZ19","v":0},{"$f":"IF(OR(E432=\"\",E432=0),\"\",IF(AND(MONTH(D432)=2,DAY(D432)>27),2,ROUND((((D432-C432)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D432=\"\",E432=\"\",E432=0),\"\",ROUND(E432/F432,0))","v":""},{"$f":"IF(A432=TRUE,E432,0)","v":0},{"$f":"IF(A432=TRUE,F432,0)","v":0},{"$f":"IF(OR(A432=FALSE,H432=0,I432=0),0,ROUND(H432/I432,0))","v":0},{"$f":"IF(OR(G432=\"\",G432=0,G433=\"\",G433=0),100,IF(G432>G433,((G432-G433)/G433)*100,((G433-G432)/G433)*100))","v":100},{"$f":"IF(G432>G433,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A432=TRUE,E432>0),TRUE,FALSE)","v":false}]
[false,{"$f":"'CB-Paystubs'!N20","v":2018},{"$f":"'CB-Paystubs'!V20","v":"2018-01-01"},{"$f":"'CB-Paystubs'!AK20","v":"2018-12-31"},{"$f":"'CB-Paystubs'!AZ20","v":0},{"$f":"IF(OR(E433=\"\",E433=0),\"\",IF(AND(MONTH(D433)=2,DAY(D433)>27),2,ROUND((((D433-C433)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D433=\"\",E433=\"\",E433=0),\"\",ROUND(E433/F433,0))","v":""},{"$f":"IF(A433=TRUE,E433,0)","v":0},{"$f":"IF(A433=TRUE,F433,0)","v":0},{"$f":"IF(OR(A433=FALSE,H433=0,I433=0),0,ROUND(H433/I433,0))","v":0},{"$f":"IF(OR(G431=\"\",G431=0,G433=\"\",G433=0),100,IF(G431>G433,((G431-G433)/G433)*100,((G433-G431)/G433)*100))","v":100},{"$f":"IF(G431>G433,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A433=TRUE,E433>0),TRUE,FALSE)","v":false}]
[" Totals","C",null,null,{"$f":"SUM(E431:E433)","v":0},{"$f":"SUM(F431:F433)","v":0},{"$f":"IF(AND(D425=TRUE),D424,IF(D425=FALSE,J434,MIN(D424,J434)))","v":0},{"$f":"IF(SUM(E431:E433)=0,0,SUM(H431:H433))","v":0},{"$f":"IF(SUM(F431:F433)=0,0,SUM(I431:I433))","v":0},{"$f":"IF(I434=0,0,ROUND(H434/I434,0))","v":0}]
[]
["UNREIMBURSED EMPLOYEE EXPENSES"]
[]
["Inc / Exc","Year","Amt Claimed","Depreciation","Buss Miles","BM addback","Total","Months",null,null,"Average"]
[false,{"$f":"'CB-Paystubs'!G26","v":2019},{"$f":"'CB-Paystubs'!P26","v":0},{"$f":"'CB-Paystubs'!AG26","v":0},{"$f":"'CB-Paystubs'!AW26","v":0},{"$f":"IF(OR(A439=FALSE,C439=0,E439=0),0,E439*VLOOKUP(B439,$C$37:$D$42,2))","v":0},{"$f":"IF(A439=FALSE,\"\",IF(AND(D439>0,E439>0),0,IF(AND(D439>0,E439<=0),ROUNDDOWN(C439-D439,0),IF(AND(D439<=0,E439>0),ROUNDDOWN(C439-F439,0),C439))))","v":""},{"$f":"'CB-Paystubs'!CB26","v":""},null,null,{"$f":"IF(A439=FALSE,\"\",IF(C439=0,0,IF(AND(D439>0,E439>0),\"Error Dep & Buss\",ROUNDDOWN(G439/H439,0))))","v":""}]
[false,{"$f":"'CB-Paystubs'!G27","v":2018},{"$f":"'CB-Paystubs'!P27","v":0},{"$f":"'CB-Paystubs'!AG27","v":0},{"$f":"'CB-Paystubs'!AW27","v":0},{"$f":"IF(OR(A440=FALSE,C440=0,E440=0),0,E440*VLOOKUP(B440,$C$37:$D$42,2))","v":0},{"$f":"IF(A440=FALSE,\"\",IF(AND(D440>0,E440>0),0,IF(AND(D440>0,E440<=0),ROUNDDOWN(C440-D440,0),IF(AND(D440<=0,E440>0),ROUNDDOWN(C440-F440,0),C440))))","v":""},{"$f":"'CB-Paystubs'!CB27","v":""},null,null,{"$f":"IF(A440=FALSE,\"\",IF(C440=0,0,IF(AND(D440>0,E440>0),\"Error Dep & Buss\",ROUNDDOWN(G440/H440,0))))","v":""}]
[" Totals",null,null,null,{"$f":"SUM(E439:E440)","v":0},{"$f":"SUM(F439:F440)","v":0},{"$f":"SUM(G439:G440)","v":0},{"$f":"SUM(H439:H440)","v":0},null,null,{"$f":"IF(ISERROR(G441/H441),0,IF(AND(A439=TRUE,A440=TRUE),ROUND(G441/H441,0),IF(AND(A439=TRUE,A440=FALSE),K439,IF(AND(A439=FALSE,A440=TRUE),K440,0))))","v":0}]
[]
[" Deduct from base earnings",null,null,true,null,null,"/ Checkbox option results to deduct unreimbursed employee expenses from base earnings, if not deducted from base earnings, then underwriter to enter unreimbursed employee expenses as a monthly liability"]
[]
["TOTAL QUALIFYING EARNINGS"]
[]
[" Total Base Earnings",null,null,{"$f":"G434","v":0},null,{"$f":"IF(OR(D421=A412,D421=A413,D421=A415),CONCATENATE(\"total average earnings for the past \",I434,\" months\"),\"(lower of Current Rate or YTD avg, or explanation provided)\")","v":"(lower of Current Rate or YTD avg, or explanation provided)"}]
[" Total Average Unreimbursed Emp Expenses",null,null,{"$f":"IF(K441=0,0,IF(D443=TRUE,K441,0))","v":0}]
[" Other Additions or Subtractions to Income",null,null,{"$f":"'CB-Paystubs'!CJ34","v":0}]
[" Total Calculated Qualifying Base Earnings",null,null,{"$f":"(D447+D449)-D448","v":0}]
[]
["STATISTICS  —  VARIANCES IN EARNINGS"]
[]
[null,null,"Amount","Difference-$","Difference-%","+/-","Data Validation","Message"]
[{"$f":"CONCATENATE(\" Total \",B431,\" YTD\")","v":" Total 2020 YTD"},null,{"$f":"IF(OR(G431=0,G431=\"\"),0,G431)","v":0},{"$f":"ABS(C455-C456)","v":0},{"$f":"IF(AND(C455=0,C456=0),\"\",IF(C456=0,100%,D455/C456))","v":""},{"$f":"IF(AND(C455=0,C456=0),\"\",IF(C455>C456,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C455=0,C456=0),\"\",IF(AND(F455=\" Increase\",(C456+(C456*E455))=C455),\"PASS\",IF(AND(F455=\" Decrease\",(C456-(C456*E455))=C455),\"PASS\",\"FAIL\")))","v":""},{"$f":"IF(OR(C455=0,C455=\"\"),\" \",CONCATENATE(B431,\" to \",B430,\" = \",TEXT(E455,\"###.0%\"),F455))","v":" "}]
[{"$f":"CONCATENATE(\" Total \",B432)","v":" Total 2019"},null,{"$f":"IF(OR(G432=0,G432=\"\"),0,G432)","v":0},{"$f":"ABS(C456-C457)","v":0},{"$f":"IF(AND(C456=0,C457=0),\"\",IF(C457=0,100%,D456/C457))","v":""},{"$f":"IF(AND(C456=0,C457=0),\"\",IF(C456>C457,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C456=0,C457=0),\"\",IF(AND(F456=\" Increase\",(C457+(C457*E456))=C456),\"PASS\",IF(AND(F456=\" Decrease\",(C457-(C457*E456))=C456),\"PASS\",\"FAIL\")))","v":""},{"$f":"IF(OR(C456=0,C456=\"\"),\" \",CONCATENATE(B432,\" to \",B431,\" = \",TEXT(E456,\"###.0%\"),F456))","v":" "}]
[{"$f":"CONCATENATE(\" Total \",B433)","v":" Total 2018"},null,{"$f":"IF(OR(G433=0,G433=\"\"),0,G433)","v":0},{"$f":"ABS(C455-C457)","v":0},{"$f":"IF(AND(C457=0,D457=0),\"\",IF(C457=0,100%,D457/C457))","v":""},{"$f":"IF(AND(C457=0,D457=0),\"\",IF(C457>C458,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C457=0,D457=0),\"\",IF((C457+(C457*E457))=C455,\"PASS\",\"FAIL\"))","v":""},{"$f":"IF(OR(C457=0,C457=\"\"),\" \",CONCATENATE(B432,\" to \",B430,\" = \",TEXT(E457,\"###.0%\"),F457))","v":" "}]
[]
[null,null,{"$f":"IF(AND(C455>0,C456>0,C457>0),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Variances in earnings:  \",H456,\"  &  \",H455)","v":"Variances in earnings:     &   "}]
[null,null,{"$f":"IF(AND(C455>0,C456>0,C457=0),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Variances in earnings:  \",H455)","v":"Variances in earnings:   "}]
[null,null,{"$f":"IF(AND(C455>0,C456=0,C457>0),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Variances in earnings:  \",H456)","v":"Variances in earnings:   "}]
[null,null,{"$f":"IF(AND(C456=0,C457=0,C458=0),TRUE,FALSE)","v":true},"Variances in earnings not determined."]
[]
["STATISTICS  —  AVERAGE WORKING HOURS"]
[]
[" YTD  (date)",null,null,{"$f":"D431","v":""}]
[{"$f":"CONCATENATE(\" Total earnings (\",B431,\" YTD)\")","v":" Total earnings (2020 YTD)"},null,null,{"$f":"E431","v":0},null,{"$f":"EOMONTH(DATE(YEAR(TODAY()),1,1),2)","v":"2020-03-31"}]
[{"$f":"CONCATENATE(\" Months included (\",B431,\" YTD)\")","v":" Months included (2020 YTD)"},null,null,{"$f":"IF(F431=\"\",0,F431)","v":0}]
[]
[" Total earnings",null,null,{"$f":"IF(OR(A431=FALSE,E431=\"\"),0,D467)","v":0},null,null,"/ YTD earnings"]
[" Months included in YTD Earnings",null,null,{"$f":"IF(OR(A431=FALSE,E431=\"\",E431=0,F431=0),0,D468)","v":0},null,null,"/ months calculated based on user entered dates on YTD line"]
[" Rate of Pay",null,null,{"$f":"D419","v":0},null,null,"/ Rate of pay"]
[" Average monthly earnings (YTD)",null,null,{"$f":"IF(OR(D470=0,D471=0,),0,D470/D471)","v":0},null,null,"/ Average monthly earnings calculated from YTD total"]
[" Total YTD and pervious years earnings",null,null,{"$f":"H434","v":0},null,null,"/ Average monthly earnings calculated from totals of all years selected"]
[]
[" Calculated Averages - YTD"]
["Average monthly earnings (YTD)",null,null,{"$f":"D473","v":0}]
["Average calculated annual earnings",null,null,{"$f":"D477*12","v":0}]
["Average calculated weekly earnings",null,null,{"$f":"D478/52","v":0}]
["Hourly rate of pay",null,null,{"$f":"D419","v":0}]
["Average calculated weekly hours",null,null,{"$f":"IF(D480=0,0,IF(D425=TRUE,40,IF(AND(D425=FALSE,D480>0,D421=\"Hourly (H)\",E431=0),40,IF((D479/D480)>40,40,D479/D480))))","v":0}]
["Avg weekly hours display",null,null,{"$f":"IF(D421=\"Hourly (H)\",D481,\"N/A\")","v":"N/A"}]
["Weekly hours message",null,null,{"$f":"IF(D480=0,\"Weekly\",IF(OR(D421<>\"Hourly (H)\",(D479/D480)>40),\"Weekly\",\"Average Weekly\"))","v":"Weekly"}]
[]
[{"$f":"CONCATENATE(\" Total days (\",B431,\" YTD)\")","v":" Total days (2020 YTD)"},null,null,{"$f":"IF(D431=\"\",0,(D431-C431)+1)","v":0},null,null,"/ Total days determined by taking Date To minus Date From for the particular period"]
[{"$f":"CONCATENATE(\" Total weeks (\",B431,\" YTD)\")","v":" Total weeks (2020 YTD)"},null,null,{"$f":"ROUND(D485/7,0)","v":0},null,null,"/ Total weeks determined by taking Total Days ÷ 7 for the particular period"]
[]
[" Total average earnings per week",null,null,{"$f":"(D473*12)/52","v":0},null,null,"/ If Part-Time, Seasonal or Varies/Averaged is selected, then grand total income of all years cobmined ÷ grand total weeks, for any other selection Total YTD Earnings ÷ Total Weeks for YTD period"]
[" Earnings per hour",null,null,{"$f":"IF(OR(D421=0,D488=0),0,IF(OR(D421=A412,D421=A413,D421=A415),D419,D419/VLOOKUP(D421,A408:E416,3)))","v":0},null,null,"/ If Part-Time, Seasonal or Varies/Averaged is selected, then use Rate of Pay, for any other selection Rate of Pay ÷ Pay Period Frequency periods"]
[" Average weekly hours",null,null,{"$f":"IF(D489=0,0,ROUND(D488/D489,1))","v":0},null,null,"/ Average weekly hours worked based on total average earnings per week ÷ earnings per hour."]
[]
[" Monthly Calculated Earnings",null,null,{"$f":"IF(OR(D421=A412,D421=A413,D421=A415),J434,D424)","v":0},null,null,"/ Average monthly earnings, minimum of YTD average monthly earnings or total average monthly earnings, determined with figures from current rate of pay and base earnings section of the income worksheet (top section)"]
[" Months included in YTD Earnings",null,null,{"$f":"IF(OR(E431=\"\",E431=0,A431=FALSE),\"\",ROUND((((D431-C431)+1)/365)*12,1))","v":""},null,null,"/ YTD \"Date To\" less YTD \"Date From\" ÷ 365 X 12"]
[" Expected YTD earnings",null,null,{"$f":"IF(OR(D492=0,D492=\"\",D493=0,D493=\"\"),0,ROUND(D492*D493,0))","v":0},null,null,"/ Monthly avearge earnings X months included in earnings"]
[]
["MESSAGES"]
[]
[" #1 - increase/decrease",null,null,{"$f":"IF(AND(E431=0,E432=0,E433=0),\"Variances in earnings not determined.\",CONCATENATE(\"Variances in earnings: \",H456,\"  &  \",H455))","v":"Variances in earnings not determined."}]
[]
[" #2 - Determination",null,null,{"$f":"IF(AND(D501=FALSE,D502=FALSE,D503=FALSE,D504=FALSE,D505=FALSE,D506=FALSE),TRUE,FALSE)","v":true},"Total qualifying income to be determined."]
["Current Rate of Pay",null,null,{"$f":"IF(D425=TRUE,TRUE,FALSE)","v":false},"Total qualifying income determined on current pay rate even if not supported with YTD earnings (may be due to pay increase earlier this year, or time off taken without pay, etc.). LOE required."]
["Salary",null,null,{"$f":"IF(AND(D425=FALSE,D424>0,D447>0,D447=D424),TRUE,FALSE)","v":false},"Total qualifying income determined on current salary, and supported by YTD earnings."]
["YTD lower",null,null,{"$f":"IF(AND(D425<>FALSE,D447<D424),TRUE,FALSE)","v":false},"Total qualifying income determined on YTD average monthly earnings which are lower than regular full-time salary."]
["YTD and previous 2 yrs",null,null,{"$f":"IF(AND(M431=TRUE,M432=TRUE,M433=TRUE,OR(D421=\"Part-Time\",D421=\"Varies\",D421=\"Varies / Averaged\",D421=\"Seasonal\")),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Total qualifying income determined with earnings averaged from YTD \",B431,\", Year \",B432,\", and Year \",B433,\".\")","v":"Total qualifying income determined with earnings averaged from YTD 2020, Year 2019, and Year 2018."}]
["YTD and previous 1",null,null,{"$f":"IF(AND(M431=TRUE,M432=TRUE,M433=FALSE,OR(D421=\"Part-Time\",D421=\"Varies\",D421=\"Varies / Averaged\",D421=\"Seasonal\")),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Total qualifying income determined with earnings averaged from YTD \",B431,\", and Year \",B432,\".\")","v":"Total qualifying income determined with earnings averaged from YTD 2020, and Year 2019."}]
["YTD only",null,null,{"$f":"IF(AND(M431=TRUE,M432=FALSE,M433=FALSE,D473>=J434,OR(D421=\"Part-Time\",D421=\"Varies\",D421=\"Varies / Averaged\",D421=\"Seasonal\")),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Total qualifying income determined with earnings averaged from YTD \",B431,\".\")","v":"Total qualifying income determined with earnings averaged from YTD 2020."}]
[]
[" #2 - included in calcs",null,null,{"$f":"IF(ISERROR(J434),\"Total qualifying income to be determined.\",VLOOKUP(TRUE,D500:E506,2,FALSE))","v":"Total qualifying income to be determined."}]
[]
[" #3 - average hours worked",null,null,{"$f":"IF(ISERROR(J434),\"Average weekly hours worked to be determined.\",IF(AND(E431=0,E432=0,E433=0),\"Average weekly hours worked to be determined.\",IF(OR(D419=0,D419=\"\",D421=A413,D421=A415),\"Average weekly hours worked vary.\",CONCATENATE(\"YTD earnings, at current rate of pay, reflect borrower is working an average of \",TEXT(D490,\"##.0\"),\" hours weekly.\"))))","v":"Average weekly hours worked to be determined."}]
[]
[" #4 - expected YTD total",null,null,{"$f":"IF(OR(ISERROR(J434),C431=\"\",D494=0),\"Expected amount of YTD earnings to be determined.\",VLOOKUP(D421,A408:E416,5,FALSE))","v":"Expected amount of YTD earnings to be determined."}]
[]
[" #5 - total average earnings",null,null,{"$f":"IF(OR(ISERROR(J434),F434=0),\"Total Average Base Earnings and period covered to be determined.\",CONCATENATE(\"Average Earnings:  Total earnings = \",DOLLAR(ROUND(H434,0),0),\" / Total months = \",Data_Income!I434,\" / Monthly average = \",DOLLAR(ROUND(J434,0),0),\".\"))","v":"Total Average Base Earnings and period covered to be determined."}]
[]
["CO-BORROWER'S WRITTEN VOE (BONUS, COMSSIONS, OVERTIME)"]
[]
["VLOOKUP"]
[1,2,3,4,5]
["Search","Pay Periods","Hours","Term","Message"]
[{"$f":"$C$54","v":"Annually (1)"},{"$f":"$E$49","v":1},{"$f":"$F$49","v":2080},{"$f":"$G$49","v":"annually"},{"$f":"IF(D534=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D578,0),\" annually), borrower's YTD earnings would need to reflect \",DOLLAR(D600,0),\" as the total amount of base earnings from \",MONTH(C544),\"/\",DAY(C544),\"/\",YEAR(C544),\" to \",MONTH(D544),\"/\",DAY(D544),\"/\",YEAR(D544),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$51","v":"Bi-Weekly (26)"},{"$f":"$E$50","v":26},{"$f":"$F$50","v":80},{"$f":"$G$50","v":"bi-weekly"},{"$f":"IF(D534=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D578,0),\" bi-weekly), borrower's YTD earnings would need to reflect \",DOLLAR(D600,0),\" as the total amount of base earnings from \",MONTH(C544),\"/\",DAY(C544),\"/\",YEAR(C544),\" to \",MONTH(D544),\"/\",DAY(D544),\"/\",YEAR(D544),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$49","v":"Hourly (H)"},{"$f":"$E$51","v":2080},{"$f":"$F$51","v":1},{"$f":"$G$51","v":"hourly"},{"$f":"IF(D534=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D578,2),\" hourly), borrower's YTD earnings would need to reflect \",DOLLAR(D600,0),\" as the total amount of base earnings from \",MONTH(C544),\"/\",DAY(C544),\"/\",YEAR(C544),\" to \",MONTH(D544),\"/\",DAY(D544),\"/\",YEAR(D544),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$53","v":"Monthly (12)"},{"$f":"$E$52","v":12},{"$f":"$F$52","v":173.33333333333334},{"$f":"$G$52","v":"monthly"},{"$f":"IF(D534=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D578,0),\" monthly), borrower's YTD earnings would need to reflect \",DOLLAR(D600,0),\" as the total amount of base earnings from \",MONTH(C544),\"/\",DAY(C544),\"/\",YEAR(C544),\" to \",MONTH(D544),\"/\",DAY(D544),\"/\",YEAR(D544),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$55","v":"Part-Time"},{"$f":"$E$53","v":0},{"$f":"$F$53","v":0},{"$f":"$G$53","v":"part-time"},{"$f":"IF(D534=0,\"N/A\",CONCATENATE(\"Working Part-Time at averaged monthly pay, borrower's YTD earnings would need to reflect approximately \",DOLLAR(D600,0),\" as the total amount of base earnings from \",MONTH(C544),\"/\",DAY(C544),\"/\",YEAR(C544),\" to \",MONTH(D544),\"/\",DAY(D544),\"/\",YEAR(D544),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$56","v":"Seasonal"},{"$f":"$E$54","v":0},{"$f":"$F$54","v":0},{"$f":"$G$54","v":"seasonal"},{"$f":"IF(D534=0,\"N/A\",CONCATENATE(\"Working Seasonal at averaged monthly pay, borrower's YTD earnings would need to reflect approximately \",DOLLAR(D600,0),\" as the total amount of base earnings from \",MONTH(C544),\"/\",DAY(C544),\"/\",YEAR(C544),\" to \",MONTH(D544),\"/\",DAY(D544),\"/\",YEAR(D544),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$52","v":"Semi-Monthly (24)"},{"$f":"$E$55","v":24},{"$f":"$F$55","v":86.666666666666671},{"$f":"$G$55","v":"semi-monthly"},{"$f":"IF(D534=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D578,2),\" semi-monthly), borrower's YTD earnings would need to reflect \",DOLLAR(D600,0),\" as the total amount of base earnings from \",MONTH(C544),\"/\",DAY(C544),\"/\",YEAR(C544),\" to \",MONTH(D544),\"/\",DAY(D544),\"/\",YEAR(D544),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$57","v":"Varies / Averaged"},{"$f":"$E$56","v":0},{"$f":"$F$56","v":0},{"$f":"$G$56","v":"varies"},{"$f":"IF(D534=0,\"N/A\",CONCATENATE(\"Based on calculated averaged monthly earnings, borrower's YTD earnings should reflect approximately \",DOLLAR(D600,0),\" as the total amount of base income earned from \",MONTH(C544),\"/\",DAY(C544),\"/\",YEAR(C544),\" to \",MONTH(D544),\"/\",DAY(D544),\"/\",YEAR(D544),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$50","v":"Weekly (52)"},{"$f":"$E$57","v":52},{"$f":"$F$57","v":40},{"$f":"$G$57","v":"weekly"},{"$f":"IF(D534=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D578,2),\" weekly), borrower's YTD earnings would need to reflect \",DOLLAR(D600,0),\" as the total amount of base earnings from \",MONTH(C544),\"/\",DAY(C544),\"/\",YEAR(C544),\" to \",MONTH(D544),\"/\",DAY(D544),\"/\",YEAR(D544),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[]
[" Document date",null,null,{"$f":"'CB-Written VOE'!V14","v":"00:00:00"},null,null,"/ Date of document as entered by user in the box/field between document type and rate of pay"]
[" Rate of Pay",null,null,{"$f":"IF(OR('CB-Written VOE'!AK14=\"\",'CB-Written VOE'!AK14=0),0,'CB-Written VOE'!AK14)","v":0},null,null,"/ Rate of pay"]
[" Rate of Pay Message",null,null,{"$f":"IF(D534=A525,\"Hourly Rate of Pay (part-time)\",\"Rate of Pay\")","v":"Rate of Pay"}]
[" Pay period frequency",null,null,{"$f":"'CB-Written VOE'!AZ14","v":0},null,null,"/ Pay period frequency as selected by user from drop down selections provided"]
[" Average hours per week",null,null,{"$f":"'CB-Written VOE'!BR14","v":""},null,null,"/ Average weekly hours from box/field between pay period frequency and monthly earnings, field is blank and grayed out unless hourly pay period frequency is selected, then field becomes active and displays 40 hours as default, user may change figure."]
[" Annual earnings based on current rate",null,null,{"$f":"IF(OR(D532=0,D534=0),\"\",IF(D534=\"Hourly (H)\",(D532*D535)*52,D532*VLOOKUP(D534,A521:E529,2,FALSE)))","v":""},null,null,"/ Annual calculated earnings based on current rate and pay period frequency selected, and average hours per week (when hourly pay period frequency is selected)."]
[" Monthly earnings based on current rate",null,null,{"$f":"IF(OR(D532=0,D534=0),0,IF(OR(D534=A525,D534=A526,D534=A528),J547,ROUND(D536/12,0)))","v":0},null,null,"/ Annual earnings divided by 12 for monthly results  /  If \"Part-Time\", \"Seasonal\", or \"Varies\" is selected then \"See Below\" is displayed."]
[" Use current rate / pay increase",null,null,false,null,null,"/ True if option box \"qualify at current rate\" is selected and False if option box is left blank."]
[]
[" Date to (Gov Pay #)",null,{"$f":"HLOOKUP('CB-Written VOE'!N18,Data_Income!A62:H63,2)","v":8},{"$f":"IF(AND('CB-Written VOE'!V14=\"\",'CB-Written VOE'!AV17=\"\"),\"\",IF(AND('CB-Written VOE'!V14<>\"\",'CB-Written VOE'!AV17=\"\"),'CB-Written VOE'!V14,IF('CB-Written VOE'!AV17<>\"\",VLOOKUP('CB-Written VOE'!AV17,Data_Income!A64:H89,C129))))","v":""}]
[null,null,null,null,null,null,"IF(D537=0,G544,IF(AND(D538=TRUE,A544=TRUE,D537>G544),G544,"]
["BASE EARNINGS",null,null,null,null,null,null,"Include in Calculations",null,null,"Variances"]
["Include calcs","Year","Date From","Date To","Total","Months","Monthly","Earnings","Months","Total","% Change","Inc / Dec","Stats"]
[true,{"$f":"'CB-Written VOE'!N18","v":2020},{"$f":"'CB-Written VOE'!V18","v":"2020-01-01"},{"$f":"'CB-Written VOE'!AK18","v":""},{"$f":"'CB-Written VOE'!AZ18","v":0},{"$f":"IF(OR(E544=\"\",E544=0,D544=\"\"),\"\",ROUND((((D544-C544)+1)/365)*12,1))","v":""},{"$f":"IF(OR(D544=\"\",E544=\"\",E544=0),\"\",ROUND(E544/F544,0))","v":""},{"$f":"IF(A544=TRUE,E544,0)","v":0},{"$f":"IF(A544=TRUE,F544,0)","v":""},{"$f":"IF(OR(A544=FALSE,H544=0,I544=0),0,ROUND(H544/I544,0))","v":0},{"$f":"IF(OR(G544=\"\",G544=0,G545=\"\",G545=0),100,IF(G544>G545,((G544-G545)/G545)*100,((G545-G544)/G545)*100))","v":100},{"$f":"IF(G544>G545,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A544=TRUE,E544>0),TRUE,FALSE)","v":false}]
[false,{"$f":"'CB-Written VOE'!N19","v":2019},{"$f":"'CB-Written VOE'!V19","v":"2019-01-01"},{"$f":"'CB-Written VOE'!AK19","v":"2019-12-31"},{"$f":"'CB-Written VOE'!AZ19","v":0},{"$f":"IF(OR(E545=\"\",E545=0),\"\",IF(AND(MONTH(D545)=2,DAY(D545)>27),2,ROUND((((D545-C545)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D545=\"\",E545=\"\",E545=0),\"\",ROUND(E545/F545,0))","v":""},{"$f":"IF(A545=TRUE,E545,0)","v":0},{"$f":"IF(A545=TRUE,F545,0)","v":0},{"$f":"IF(OR(A545=FALSE,H545=0,I545=0),0,ROUND(H545/I545,0))","v":0},{"$f":"IF(OR(G545=\"\",G545=0,G546=\"\",G546=0),100,IF(G545>G546,((G545-G546)/G546)*100,((G546-G545)/G546)*100))","v":100},{"$f":"IF(G545>G546,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A545=TRUE,E545>0),TRUE,FALSE)","v":false}]
[false,{"$f":"'CB-Written VOE'!N20","v":2018},{"$f":"'CB-Written VOE'!V20","v":"2018-01-01"},{"$f":"'CB-Written VOE'!AK20","v":"2018-12-31"},{"$f":"'CB-Written VOE'!AZ20","v":0},{"$f":"IF(OR(E546=\"\",E546=0),\"\",IF(AND(MONTH(D546)=2,DAY(D546)>27),2,ROUND((((D546-C546)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D546=\"\",E546=\"\",E546=0),\"\",ROUND(E546/F546,0))","v":""},{"$f":"IF(A546=TRUE,E546,0)","v":0},{"$f":"IF(A546=TRUE,F546,0)","v":0},{"$f":"IF(OR(A546=FALSE,H546=0,I546=0),0,ROUND(H546/I546,0))","v":0},{"$f":"IF(OR(G544=\"\",G544=0,G546=\"\",G546=0),100,IF(G544>G546,((G544-G546)/G546)*100,((G546-G544)/G546)*100))","v":100},{"$f":"IF(G544>G546,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A546=TRUE,E546>0),TRUE,FALSE)","v":false}]
[" Totals",null,null,null,{"$f":"SUM(E544:E546)","v":0},{"$f":"SUM(F544:F546)","v":0},{"$f":"IF(AND(D538=TRUE),D537,IF(D538=FALSE,J547,MIN(D537,J547)))","v":0},{"$f":"IF(SUM(E544:E546)=0,0,SUM(H544:H546))","v":0},{"$f":"IF(SUM(F544:F546)=0,0,SUM(I544:I546))","v":0},{"$f":"IF(I547=0,0,ROUND(H547/I547,0))","v":0}]
[]
["UNREIMBURSED EMPLOYEE EXPENSES"]
[]
["Inc / Exc","Year","Amt Claimed","Depreciation","Buss Miles","BM addback","Total","Months",null,null,"Average"]
[false,{"$f":"'CB-Written VOE'!G50","v":2019},{"$f":"'CB-Written VOE'!P50","v":0},{"$f":"'CB-Written VOE'!AG50","v":0},{"$f":"'CB-Written VOE'!AW50","v":0},{"$f":"IF(OR(A552=FALSE,C552=0,E552=0),0,E552*VLOOKUP(B552,$C$37:$D$42,2))","v":0},{"$f":"IF(A552=FALSE,\"\",IF(AND(D552>0,E552>0),0,IF(AND(D552>0,E552<=0),ROUNDDOWN(C552-D552,0),IF(AND(D552<=0,E552>0),ROUNDDOWN(C552-F552,0),C552))))","v":""},{"$f":"'CB-Written VOE'!CB50","v":""},null,null,{"$f":"IF(A552=FALSE,\"\",IF(C552=0,0,IF(AND(D552>0,E552>0),\"Error Dep & Buss\",ROUNDDOWN(G552/H552,0))))","v":""}]
[false,{"$f":"'CB-Written VOE'!G51","v":2018},{"$f":"'CB-Written VOE'!P51","v":0},{"$f":"'CB-Written VOE'!AG51","v":0},{"$f":"'CB-Written VOE'!AW51","v":0},{"$f":"IF(OR(A553=FALSE,C553=0,E553=0),0,E553*VLOOKUP(B553,$C$37:$D$42,2))","v":0},{"$f":"IF(A553=FALSE,\"\",IF(AND(D553>0,E553>0),0,IF(AND(D553>0,E553<=0),ROUNDDOWN(C553-D553,0),IF(AND(D553<=0,E553>0),ROUNDDOWN(C553-F553,0),C553))))","v":""},{"$f":"'CB-Written VOE'!CB51","v":""},null,null,{"$f":"IF(A553=FALSE,\"\",IF(C553=0,0,IF(AND(D553>0,E553>0),\"Error Dep & Buss\",ROUNDDOWN(G553/H553,0))))","v":""}]
[" Totals",null,null,null,{"$f":"SUM(E552:E553)","v":0},{"$f":"SUM(F552:F553)","v":0},{"$f":"SUM(G552:G553)","v":0},{"$f":"SUM(H552:H553)","v":0},null,null,{"$f":"IF(ISERROR(G554/H554),0,IF(AND(A552=TRUE,A553=TRUE),ROUND(G554/H554,0),IF(AND(A552=TRUE,A553=FALSE),K552,IF(AND(A552=FALSE,A553=TRUE),K553,0))))","v":0}]
[]
[" Deduct from base earnings",null,null,true,null,null,"/ Checkbox option results to deduct unreimbursed employee expenses from base earnings, if not deducted from base earnings, then underwriter to enter unreimbursed employee expenses as a monthly liability"]
[]
["STATISTICS  —  VARIANCES IN EARNINGS"]
[]
[null,null,"Amount","Difference-$","Difference-%","+/-","Data Validation","Message"]
[{"$f":"CONCATENATE(\" Total \",B544,\" YTD\")","v":" Total 2020 YTD"},null,{"$f":"IF(OR(G544=0,G544=\"\"),0,G544)","v":0},{"$f":"ABS(C561-C562)","v":0},{"$f":"IF(AND(C561=0,C562=0),\"\",IF(C562=0,100%,D561/C562))","v":""},{"$f":"IF(AND(C561=0,C562=0),\"\",IF(C561>C562,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C561=0,C562=0),\"\",IF(AND(F561=\" Increase\",(C562+(C562*E561))=C561),\"PASS\",IF(AND(F561=\" Decrease\",(C562-(C562*E561))=C561),\"PASS\",\"FAIL\")))","v":""},{"$f":"IF(OR(C561=0,C561=\"\"),\" \",CONCATENATE(B535,\" to \",B534,\" = \",TEXT(E561,\"###.0%\"),F561))","v":" "}]
[{"$f":"CONCATENATE(\" Total \",B545)","v":" Total 2019"},null,{"$f":"IF(OR(G545=0,G545=\"\"),0,G545)","v":0},{"$f":"ABS(C562-C563)","v":0},{"$f":"IF(AND(C562=0,C563=0),\"\",IF(C563=0,100%,D562/C563))","v":""},{"$f":"IF(AND(C562=0,C563=0),\"\",IF(C562>C563,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C562=0,C563=0),\"\",IF(AND(F562=\" Increase\",(C563+(C563*E562))=C562),\"PASS\",IF(AND(F562=\" Decrease\",(C563-(C563*E562))=C562),\"PASS\",\"FAIL\")))","v":""},{"$f":"IF(OR(C562=0,C562=\"\"),\" \",CONCATENATE(B536,\" to \",B535,\" = \",TEXT(E562,\"###.0%\"),F562))","v":" "}]
[{"$f":"CONCATENATE(\" Total \",B546)","v":" Total 2018"},null,{"$f":"IF(OR(G546=0,G546=\"\"),0,G546)","v":0},{"$f":"ABS(C561-C563)","v":0},{"$f":"IF(AND(C563=0,D563=0),\"\",IF(C563=0,100%,D563/C563))","v":""},{"$f":"IF(AND(C563=0,D563=0),\"\",IF(C563>C564,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C563=0,D563=0),\"\",IF((C563+(C563*E563))=C561,\"PASS\",\"FAIL\"))","v":""},{"$f":"IF(OR(C563=0,C563=\"\"),\" \",CONCATENATE(B536,\" to \",B534,\" = \",TEXT(E563,\"###.0%\"),F563))","v":" "}]
[]
[null,null,{"$f":"IF(AND(C561>0,C562>0,C563>0),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Variances in earnings:  \",H562,\"  &  \",H561)","v":"Variances in earnings:     &   "}]
[null,null,{"$f":"IF(AND(C561>0,C562>0,C563=0),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Variances in earnings:  \",H561)","v":"Variances in earnings:   "}]
[null,null,{"$f":"IF(AND(C561>0,C562=0,C563>0),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Variances in earnings:  \",H562)","v":"Variances in earnings:   "}]
[null,null,{"$f":"IF(AND(C562=0,C563=0,C564=0),TRUE,FALSE)","v":true},"Variances in earnings not determined."]
[]
["STATISTICS  —  AVERAGE WORKING HOURS"]
[]
[" YTD (date)",null,null,{"$f":"D544","v":""}]
[{"$f":"CONCATENATE(\" Total earnings (\",B544,\" YTD)\")","v":" Total earnings (2020 YTD)"},null,null,{"$f":"E544","v":0},null,{"$f":"EOMONTH(DATE(YEAR(TODAY()),1,1),2)","v":"2020-03-31"}]
[{"$f":"CONCATENATE(\" Months included (\",B544,\" YTD)\")","v":" Months included (2020 YTD)"},null,null,{"$f":"IF(F544=\"\",0,F544)","v":0}]
[]
[" Total earnings",null,null,{"$f":"IF(OR(A544=FALSE,E544=\"\"),0,D573)","v":0},null,null,"/ YTD earnings"]
[" Months included in YTD Earnings",null,null,{"$f":"IF(OR(A544=FALSE,E544=\"\",E544=0,F544=0),0,D574)","v":0},null,null,"/ months calculated based on user entered dates on YTD line"]
[" Rate of Pay",null,null,{"$f":"D532","v":0},null,null,"/ Rate of pay"]
[" Average monthly earnings (YTD)",null,null,{"$f":"IF(OR(D576=0,D577=0,),0,D576/D577)","v":0},null,null,"/ Average monthly earnings calculated from YTD total"]
[" Total YTD and pervious years earnings",null,null,{"$f":"H547","v":0},null,null,"/ Average monthly earnings calculated from totals of all years selected"]
[]
[" Calculated Averages - YTD"]
["Average monthly earnings (YTD)",null,null,{"$f":"D579","v":0}]
["Average calculated annual earnings",null,null,{"$f":"D583*12","v":0}]
["Average calculated weekly earnings",null,null,{"$f":"D584/52","v":0}]
["Hourly rate of pay",null,null,{"$f":"D532","v":0}]
["Average calculated weekly hours",null,null,{"$f":"IF(D586=0,0,IF(D538=TRUE,40,IF(AND(D538=FALSE,D586>0,D534=\"Hourly (H)\",E544=0),40,IF((D585/D586)>40,40,D585/D586))))","v":0}]
["Avg weekly hours display",null,null,{"$f":"IF(D534=\"Hourly (H)\",D587,\"N/A\")","v":"N/A"}]
["Weekly hours message",null,null,{"$f":"IF(D534=0,\"Weekly\",IF(OR(D534<>\"Hourly (H)\",(D585/D586)>40),\"Weekly\",\"Average Weekly\"))","v":"Weekly"}]
[]
[{"$f":"CONCATENATE(\" Total days (\",B544,\" YTD)\")","v":" Total days (2020 YTD)"},null,null,{"$f":"IF(D544=\"\",0,(D544-C544)+1)","v":0},null,null,"/ Total days determined by taking Date To minus Date From for the particular period"]
[{"$f":"CONCATENATE(\" Total weeks (\",B544,\" YTD)\")","v":" Total weeks (2020 YTD)"},null,null,{"$f":"ROUND(D591/7,0)","v":0},null,null,"/ Total weeks determined by taking Total Days ÷ 7 for the particular period"]
[]
[" Total average earnings per week",null,null,{"$f":"(D579*12)/52","v":0},null,null,"/ If Part-Time, Seasonal or Varies/Averaged is selected, then grand total income of all years cobmined ÷ grand total weeks, for any other selection Total YTD Earnings ÷ Total Weeks for YTD period"]
[" Earnings per hour",null,null,{"$f":"IF(OR(D534=0,D594=0),0,IF(OR(D534=A525,D534=A526,D534=A528),D532,D532/VLOOKUP(D534,A521:E529,3)))","v":0},null,null,"/ If Part-Time, Seasonal or Varies/Averaged is selected, then use Rate of Pay, for any other selection Rate of Pay ÷ Pay Period Frequency periods"]
[" Average weekly hours",null,null,{"$f":"IF(D595=0,0,ROUND(D594/D595,1))","v":0},null,null,"/ Average weekly hours worked based on total average earnings per week ÷ earnings per hour."]
[]
[" Monthly Calculated Earnings",null,null,{"$f":"IF(OR(D534=A525,D534=A526,D534=A528),J547,D537)","v":0},null,null,"/ Average monthly earnings, minimum of YTD average monthly earnings or total average monthly earnings, determined with figures from current rate of pay and base earnings section of the income worksheet (top section)"]
[" Months included in YTD Earnings",null,null,{"$f":"IF(OR(E544=\"\",E544=0,A544=FALSE),\"\",ROUND((((D544-C544)+1)/365)*12,1))","v":""},null,null,"/ YTD \"Date To\" less YTD \"Date From\" ÷ 365 X 12"]
[" Expected YTD earnings",null,null,{"$f":"IF(OR(D598=0,D598=\"\",D599=0,D599=\"\"),0,ROUND(D598*D599,0))","v":0},null,null,"/ Monthly avearge earnings X months included in earnings"]
[]
[{"$f":"CONCATENATE(\"STATISTICS  —  CALCULATIONS FOR \",'CB-Written VOE'!C23,\" EARNINGS\")","v":"STATISTICS  —  CALCULATIONS FOR OVERTIME EARNINGS"}]
[]
[{"$f":"CONCATENATE(\"Pay Type #1 -- \",'CB-Written VOE'!C338)","v":"Pay Type #1 -- "},null,null,null,null,null,null,"Include in Calculations",null,null,"Variances"]
["Include calcs","Year","Date From","Date To","Total","Months","Monthly","Earnings","Months","Total","% Change","Inc / Dec","Stats"]
[false,{"$f":"'CB-Written VOE'!N26","v":2020},{"$f":"'CB-Written VOE'!V26","v":"2020-01-01"},{"$f":"'CB-Written VOE'!AK26","v":""},{"$f":"'CB-Written VOE'!AZ26","v":0},{"$f":"IF(OR(E606=\"\",E606=0),\"\",IF(AND(MONTH(D606)=2,DAY(D606)>27),2,ROUND((((D606-C606)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D606=\"\",E606=\"\",E606=0),\"\",ROUND(E606/F606,0))","v":""},{"$f":"IF(A606=TRUE,E606,0)","v":0},{"$f":"IF(A606=TRUE,F606,0)","v":0},{"$f":"IF(OR(A606=FALSE,H606=0,I606=0),0,ROUND(H606/I606,0))","v":0},{"$f":"IF(OR(G606=\"\",G606=0,G607=\"\",G607=0),100,IF(G606>G607,((G606-G607)/G607)*100,((G607-G606)/G607)*100))","v":100},{"$f":"IF(G606>G607,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A606=TRUE,E606>0),TRUE,FALSE)","v":false}]
[false,{"$f":"'CB-Written VOE'!N27","v":2019},{"$f":"'CB-Written VOE'!V27","v":"2019-01-01"},{"$f":"'CB-Written VOE'!AK27","v":"2019-12-31"},{"$f":"'CB-Written VOE'!AZ27","v":0},{"$f":"IF(OR(E607=\"\",E607=0),\"\",IF(AND(MONTH(D607)=2,DAY(D607)>27),2,ROUND((((D607-C607)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D607=\"\",E607=\"\",E607=0),\"\",ROUND(E607/F607,0))","v":""},{"$f":"IF(A607=TRUE,E607,0)","v":0},{"$f":"IF(A607=TRUE,F607,0)","v":0},{"$f":"IF(OR(A607=FALSE,H607=0,I607=0),0,ROUND(H607/I607,0))","v":0},{"$f":"IF(OR(G607=\"\",G607=0,G608=\"\",G608=0),100,IF(G607>G608,((G607-G608)/G608)*100,((G608-G607)/G608)*100))","v":100},{"$f":"IF(G607>G608,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A607=TRUE,E607>0),TRUE,FALSE)","v":false}]
[false,{"$f":"'CB-Written VOE'!N28","v":2018},{"$f":"'CB-Written VOE'!V28","v":"2018-01-01"},{"$f":"'CB-Written VOE'!AK28","v":"2018-12-31"},{"$f":"'CB-Written VOE'!AZ28","v":0},{"$f":"IF(OR(E608=\"\",E608=0),\"\",IF(AND(MONTH(D608)=2,DAY(D608)>27),2,ROUND((((D608-C608)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D608=\"\",E608=\"\",E608=0),\"\",ROUND(E608/F608,0))","v":""},{"$f":"IF(A608=TRUE,E608,0)","v":0},{"$f":"IF(A608=TRUE,F608,0)","v":0},{"$f":"IF(OR(A608=FALSE,H608=0,I608=0),0,ROUND(H608/I608,0))","v":0},{"$f":"IF(OR(G606=\"\",G606=0,G608=\"\",G608=0),100,IF(G606>G608,((G606-G608)/G608)*100,((G608-G606)/G608)*100))","v":100},{"$f":"IF(G606>G608,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A608=TRUE,E608>0),TRUE,FALSE)","v":false}]
[" Totals",null,null,null,{"$f":"SUM(E606:E608)","v":0},{"$f":"SUM(F606:F608)","v":0},{"$f":"IF(F609=0,0,ROUND(E609/F609,0))","v":0},{"$f":"IF(SUM(E606:E608)=0,0,ROUND(SUM(H606:H608),0))","v":0},{"$f":"IF(SUM(F606:F608)=0,0,ROUND(SUM(I606:I608),1))","v":0},{"$f":"IF(I609=0,0,ROUND(H609/I609,0))","v":0}]
[]
[{"$f":"CONCATENATE(\"STATISTICS  —  VARIANCES IN \",'CB-Written VOE'!C23,\" EARNINGS\")","v":"STATISTICS  —  VARIANCES IN OVERTIME EARNINGS"}]
[]
[null,null,"Amount","Difference-$","Difference-%","+/-","Data Validation","Message"]
[{"$f":"CONCATENATE(\" Total \",B606,\" YTD\")","v":" Total 2020 YTD"},null,{"$f":"IF(OR(G606=0,G606=\"\"),0,G606)","v":0},{"$f":"ABS(C614-C615)","v":0},{"$f":"IF(AND(C614=0,C615=0),\"\",IF(C615=0,100%,D614/C615))","v":""},{"$f":"IF(AND(C614=0,C615=0),\"\",IF(C614>C615,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C614=0,C615=0),\"\",IF(AND(F614=\" Increase\",(C615+(C615*E614))=C614),\"PASS\",IF(AND(F614=\" Decrease\",(C615-(C615*E614))=C614),\"PASS\",\"FAIL\")))","v":""},{"$f":"IF(OR(C614=0,C614=\"\"),\" \",CONCATENATE(B578,\" to \",B577,\" = \",TEXT(E614,\"###.0%\"),F614))","v":" "}]
[{"$f":"CONCATENATE(\" Total \",B607)","v":" Total 2019"},null,{"$f":"IF(OR(G607=0,G607=\"\"),0,G607)","v":0},{"$f":"ABS(C615-C616)","v":0},{"$f":"IF(AND(C615=0,C616=0),\"\",IF(C616=0,100%,D615/C616))","v":""},{"$f":"IF(AND(C615=0,C616=0),\"\",IF(C615>C616,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C615=0,C616=0),\"\",IF(AND(F615=\" Increase\",(C616+(C616*E615))=C615),\"PASS\",IF(AND(F615=\" Decrease\",(C616-(C616*E615))=C615),\"PASS\",\"FAIL\")))","v":""},{"$f":"IF(OR(C615=0,C615=\"\"),\" \",CONCATENATE(B579,\" to \",B578,\" = \",TEXT(E615,\"###.0%\"),F615))","v":" "}]
[{"$f":"CONCATENATE(\" Total \",B2982)","v":" Total "},null,{"$f":"IF(OR(G608=0,G608=\"\"),0,G608)","v":0},{"$f":"ABS(C614-C616)","v":0},{"$f":"IF(AND(C616=0,D616=0),\"\",IF(C616=0,100%,D616/C616))","v":""},{"$f":"IF(AND(C616=0,D616=0),\"\",IF(C616>#REF!,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C616=0,D616=0),\"\",IF((C616+(C616*E616))=C614,\"PASS\",\"FAIL\"))","v":""},{"$f":"IF(OR(C616=0,C616=\"\"),\" \",CONCATENATE(B579,\" to \",B577,\" = \",TEXT(E616,\"###.0%\"),F616))","v":" "}]
[]
[{"$f":"CONCATENATE(\"STATISTICS  —  CALCULATIONS FOR \",'CB-Written VOE'!C31,\" EARNINGS\")","v":"STATISTICS  —  CALCULATIONS FOR BONUS EARNINGS"}]
[]
[{"$f":"CONCATENATE(\"Pay Type #3 -- \",'CB-Written VOE'!C345)","v":"Pay Type #3 -- "},null,null,null,null,null,null,"Include in Calculations",null,null,"Variances"]
["Include calcs","Year","Date From","Date To","Total","Months","Monthly","Earnings","Months","Total","% Change","Inc / Dec","Stats"]
[false,{"$f":"'CB-Written VOE'!N34","v":2020},{"$f":"'CB-Written VOE'!V34","v":"2020-01-01"},{"$f":"'CB-Written VOE'!AK34","v":""},{"$f":"'CB-Written VOE'!AZ34","v":0},{"$f":"IF(OR(E622=\"\",E622=0),\"\",ROUND((((D622-C622)+1)/365)*12,1))","v":""},{"$f":"IF(OR(D622=\"\",E622=\"\",E622=0),\"\",ROUND(E622/F622,0))","v":""},{"$f":"IF(A622=TRUE,E622,0)","v":0},{"$f":"IF(A622=TRUE,F622,0)","v":0},{"$f":"IF(OR(A622=FALSE,H622=0,I622=0),0,ROUND(H622/I622,0))","v":0},{"$f":"IF(OR(G622=\"\",G622=0,G623=\"\",G623=0),100,IF(G622>G623,((G622-G623)/G623)*100,((G623-G622)/G623)*100))","v":100},{"$f":"IF(G622>G623,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A622=TRUE,E622>0),TRUE,FALSE)","v":false}]
[false,{"$f":"'CB-Written VOE'!N35","v":2019},{"$f":"'CB-Written VOE'!V35","v":"2019-01-01"},{"$f":"'CB-Written VOE'!AK35","v":"2019-12-31"},{"$f":"'CB-Written VOE'!AZ35","v":0},{"$f":"IF(OR(E623=\"\",E623=0),\"\",IF(AND(MONTH(D623)=2,DAY(D623)>27),2,ROUND((((D623-C623)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D623=\"\",E623=\"\",E623=0),\"\",ROUND(E623/F623,0))","v":""},{"$f":"IF(A623=TRUE,E623,0)","v":0},{"$f":"IF(A623=TRUE,F623,0)","v":0},{"$f":"IF(OR(A623=FALSE,H623=0,I623=0),0,ROUND(H623/I623,0))","v":0},{"$f":"IF(OR(G623=\"\",G623=0,G624=\"\",G624=0),100,IF(G623>G624,((G623-G624)/G624)*100,((G624-G623)/G624)*100))","v":100},{"$f":"IF(G623>G624,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A623=TRUE,E623>0),TRUE,FALSE)","v":false}]
[false,{"$f":"'CB-Written VOE'!N36","v":2018},{"$f":"'CB-Written VOE'!V36","v":"2018-01-01"},{"$f":"'CB-Written VOE'!AK36","v":"2018-12-31"},{"$f":"'CB-Written VOE'!AZ36","v":0},{"$f":"IF(OR(E624=\"\",E624=0),\"\",IF(AND(MONTH(D624)=2,DAY(D624)>27),2,ROUND((((D624-C624)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D624=\"\",E624=\"\",E624=0),\"\",ROUND(E624/F624,0))","v":""},{"$f":"IF(A624=TRUE,E624,0)","v":0},{"$f":"IF(A624=TRUE,F624,0)","v":0},{"$f":"IF(OR(A624=FALSE,H624=0,I624=0),0,ROUND(H624/I624,0))","v":0},{"$f":"IF(OR(G622=\"\",G622=0,G624=\"\",G624=0),100,IF(G622>G624,((G622-G624)/G624)*100,((G624-G622)/G624)*100))","v":100},{"$f":"IF(G622>G624,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A624=TRUE,E624>0),TRUE,FALSE)","v":false}]
[" Totals",null,null,null,{"$f":"SUM(E622:E624)","v":0},{"$f":"SUM(F622:F624)","v":0},{"$f":"IF(F625=0,0,ROUND(E625/F625,0))","v":0},{"$f":"IF(SUM(E622:E624)=0,0,ROUND(SUM(H622:H624),0))","v":0},{"$f":"IF(SUM(F622:F624)=0,0,ROUND(SUM(I622:I624),1))","v":0},{"$f":"IF(I625=0,0,ROUND(H625/I625,0))","v":0}]
[]
[{"$f":"CONCATENATE(\"STATISTICS  —  VARIANCES IN \",'CB-Written VOE'!C31,\" EARNINGS\")","v":"STATISTICS  —  VARIANCES IN BONUS EARNINGS"}]
[]
[null,null,"Amount","Difference-$","Difference-%","+/-","Data Validation","Message"]
[{"$f":"CONCATENATE(\" Total \",B622,\" YTD\")","v":" Total 2020 YTD"},null,{"$f":"IF(OR(G622=0,G622=\"\"),0,G622)","v":0},{"$f":"ABS(C630-C631)","v":0},{"$f":"IF(AND(C630=0,C631=0),\"\",IF(C631=0,100%,D630/C631))","v":""},{"$f":"IF(AND(C630=0,C631=0),\"\",IF(C630>C631,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C630=0,C631=0),\"\",IF(AND(F630=\" Increase\",(C631+(C631*E630))=C630),\"PASS\",IF(AND(F630=\" Decrease\",(C631-(C631*E630))=C630),\"PASS\",\"FAIL\")))","v":""},{"$f":"IF(OR(C630=0,C630=\"\"),\" \",CONCATENATE(B596,\" to \",B595,\" = \",TEXT(E630,\"###.0%\"),F630))","v":" "}]
[{"$f":"CONCATENATE(\" Total \",B623)","v":" Total 2019"},null,{"$f":"IF(OR(G623=0,G623=\"\"),0,G623)","v":0},{"$f":"ABS(C631-C632)","v":0},{"$f":"IF(AND(C631=0,C632=0),\"\",IF(C632=0,100%,D631/C632))","v":""},{"$f":"IF(AND(C631=0,C632=0),\"\",IF(C631>C632,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C631=0,C632=0),\"\",IF(AND(F631=\" Increase\",(C632+(C632*E631))=C631),\"PASS\",IF(AND(F631=\" Decrease\",(C632-(C632*E631))=C631),\"PASS\",\"FAIL\")))","v":""},{"$f":"IF(OR(C631=0,C631=\"\"),\" \",CONCATENATE(B597,\" to \",B596,\" = \",TEXT(E631,\"###.0%\"),F631))","v":" "}]
[{"$f":"CONCATENATE(\" Total \",B3003)","v":" Total "},null,{"$f":"IF(OR(G624=0,G624=\"\"),0,G624)","v":0},{"$f":"ABS(C630-C632)","v":0},{"$f":"IF(AND(C632=0,D632=0),\"\",IF(C632=0,100%,D632/C632))","v":""},{"$f":"IF(AND(C632=0,D632=0),\"\",IF(C632>#REF!,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C632=0,D632=0),\"\",IF((C632+(C632*E632))=C630,\"PASS\",\"FAIL\"))","v":""},{"$f":"IF(OR(C632=0,C632=\"\"),\" \",CONCATENATE(B597,\" to \",B595,\" = \",TEXT(E632,\"###.0%\"),F632))","v":" "}]
[]
[{"$f":"CONCATENATE(\"STATISTICS  —  CALCULATIONS FOR \",'CB-Written VOE'!C39,\" EARNINGS\")","v":"STATISTICS  —  CALCULATIONS FOR COMMISSIONS EARNINGS"}]
[]
[{"$f":"CONCATENATE(\"Pay Type #3 -- \",'CB-Written VOE'!C352)","v":"Pay Type #3 -- "},null,null,null,null,null,null,"Include in Calculations",null,null,"Variances"]
["Include calcs","Year","Date From","Date To","Total","Months","Monthly","Earnings","Months","Total","% Change","Inc / Dec","Stats"]
[false,{"$f":"'CB-Written VOE'!N42","v":2020},{"$f":"'CB-Written VOE'!V42","v":"2020-01-01"},{"$f":"'CB-Written VOE'!AK42","v":""},{"$f":"'CB-Written VOE'!AZ42","v":0},{"$f":"IF(OR(E638=\"\",E638=0),\"\",ROUND((((D638-C638)+1)/365)*12,1))","v":""},{"$f":"IF(OR(D638=\"\",E638=\"\",E638=0),\"\",ROUND(E638/F638,0))","v":""},{"$f":"IF(A638=TRUE,E638,0)","v":0},{"$f":"IF(A638=TRUE,F638,0)","v":0},{"$f":"IF(OR(A638=FALSE,H638=0,I638=0),0,ROUND(H638/I638,0))","v":0},{"$f":"IF(OR(G638=\"\",G638=0,G639=\"\",G639=0),100,IF(G638>G639,((G638-G639)/G639)*100,((G639-G638)/G639)*100))","v":100},{"$f":"IF(G638>G639,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A638=TRUE,E638>0),TRUE,FALSE)","v":false}]
[false,{"$f":"'CB-Written VOE'!N43","v":2019},{"$f":"'CB-Written VOE'!V43","v":"2019-01-01"},{"$f":"'CB-Written VOE'!AK43","v":"2019-12-31"},{"$f":"'CB-Written VOE'!AZ43","v":0},{"$f":"IF(OR(E639=\"\",E639=0),\"\",IF(AND(MONTH(D639)=2,DAY(D639)>27),2,ROUND((((D639-C639)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D639=\"\",E639=\"\",E639=0),\"\",ROUND(E639/F639,0))","v":""},{"$f":"IF(A639=TRUE,E639,0)","v":0},{"$f":"IF(A639=TRUE,F639,0)","v":0},{"$f":"IF(OR(A639=FALSE,H639=0,I639=0),0,ROUND(H639/I639,0))","v":0},{"$f":"IF(OR(G639=\"\",G639=0,G640=\"\",G640=0),100,IF(G639>G640,((G639-G640)/G640)*100,((G640-G639)/G640)*100))","v":100},{"$f":"IF(G639>G640,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A639=TRUE,E639>0),TRUE,FALSE)","v":false}]
[false,{"$f":"'CB-Written VOE'!N44","v":2018},{"$f":"'CB-Written VOE'!V44","v":"2018-01-01"},{"$f":"'CB-Written VOE'!AK44","v":"2018-12-31"},{"$f":"'CB-Written VOE'!AZ44","v":0},{"$f":"IF(OR(E640=\"\",E640=0),\"\",IF(AND(MONTH(D640)=2,DAY(D640)>27),2,ROUND((((D640-C640)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D640=\"\",E640=\"\",E640=0),\"\",ROUND(E640/F640,0))","v":""},{"$f":"IF(A640=TRUE,E640,0)","v":0},{"$f":"IF(A640=TRUE,F640,0)","v":0},{"$f":"IF(OR(A640=FALSE,H640=0,I640=0),0,ROUND(H640/I640,0))","v":0},{"$f":"IF(OR(G638=\"\",G638=0,G640=\"\",G640=0),100,IF(G638>G640,((G638-G640)/G640)*100,((G640-G638)/G640)*100))","v":100},{"$f":"IF(G638>G640,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A640=TRUE,E640>0),TRUE,FALSE)","v":false}]
[" Totals",null,null,null,{"$f":"SUM(E638:E640)","v":0},{"$f":"SUM(F638:F640)","v":0},{"$f":"IF(F641=0,0,ROUND(E641/F641,0))","v":0},{"$f":"IF(SUM(E638:E640)=0,0,ROUND(SUM(H638:H640),0))","v":0},{"$f":"IF(SUM(F638:F640)=0,0,ROUND(SUM(I638:I640),1))","v":0},{"$f":"IF(I641=0,0,ROUND(H641/I641,0))","v":0}]
[]
[{"$f":"CONCATENATE(\"STATISTICS  —  VARIANCES IN \",'CB-Written VOE'!C39,\" EARNINGS\")","v":"STATISTICS  —  VARIANCES IN COMMISSIONS EARNINGS"}]
[]
[null,null,"Amount","Difference-$","Difference-%","+/-","Data Validation","Message"]
[{"$f":"CONCATENATE(\" Total \",B638,\" YTD\")","v":" Total 2020 YTD"},null,{"$f":"IF(OR(G638=0,G638=\"\"),0,G638)","v":0},{"$f":"ABS(C646-C647)","v":0},{"$f":"IF(AND(C646=0,C647=0),\"\",IF(C647=0,100%,D646/C647))","v":""},{"$f":"IF(AND(C646=0,C647=0),\"\",IF(C646>C647,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C646=0,C647=0),\"\",IF(AND(F646=\" Increase\",(C647+(C647*E646))=C646),\"PASS\",IF(AND(F646=\" Decrease\",(C647-(C647*E646))=C646),\"PASS\",\"FAIL\")))","v":""},{"$f":"IF(OR(C646=0,C646=\"\"),\" \",CONCATENATE(B614,\" to \",B613,\" = \",TEXT(E646,\"###.0%\"),F646))","v":" "}]
[{"$f":"CONCATENATE(\" Total \",B639)","v":" Total 2019"},null,{"$f":"IF(OR(G639=0,G639=\"\"),0,G639)","v":0},{"$f":"ABS(C647-C648)","v":0},{"$f":"IF(AND(C647=0,C648=0),\"\",IF(C648=0,100%,D647/C648))","v":""},{"$f":"IF(AND(C647=0,C648=0),\"\",IF(C647>C648,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C647=0,C648=0),\"\",IF(AND(F647=\" Increase\",(C648+(C648*E647))=C647),\"PASS\",IF(AND(F647=\" Decrease\",(C648-(C648*E647))=C647),\"PASS\",\"FAIL\")))","v":""},{"$f":"IF(OR(C647=0,C647=\"\"),\" \",CONCATENATE(B615,\" to \",B614,\" = \",TEXT(E647,\"###.0%\"),F647))","v":" "}]
[{"$f":"CONCATENATE(\" Total \",B3024)","v":" Total "},null,{"$f":"IF(OR(G640=0,G640=\"\"),0,G640)","v":0},{"$f":"ABS(C646-C648)","v":0},{"$f":"IF(AND(C648=0,D648=0),\"\",IF(C648=0,100%,D648/C648))","v":""},{"$f":"IF(AND(C648=0,D648=0),\"\",IF(C648>#REF!,\" Increase\",\" Decrease\"))","v":""},{"$f":"IF(AND(C648=0,D648=0),\"\",IF((C648+(C648*E648))=C646,\"PASS\",\"FAIL\"))","v":""},{"$f":"IF(OR(C648=0,C648=\"\"),\" \",CONCATENATE(B615,\" to \",B613,\" = \",TEXT(E648,\"###.0%\"),F648))","v":" "}]
[]
["TOTAL QUALIFYING EARNINGS"]
[]
[" Total Base Earnings",null,null,{"$f":"IF(D538=TRUE,D537,J547)","v":0},null,{"$f":"IF(OR(D534=A525,D534=A526,D534=A528),CONCATENATE(\"total average earnings for the past \",I547,\" months\"),\"(lower of Current Rate or YTD avg, or explanation provided)\")","v":"(lower of Current Rate or YTD avg, or explanation provided)"}]
[" Total Average Unreimbursed Emp Expenses",null,null,{"$f":"IF(K554=0,0,IF(D556=TRUE,K554,0))","v":0}]
[" Total Calculated Qualifying Base Earnings",null,null,{"$f":"D652-D653","v":0}]
[]
[{"$f":"CONCATENATE(\" Total \",A604)","v":" Total Pay Type #1 -- "},null,null,true]
[{"$f":"CONCATENATE(\" Total \",A604)","v":" Total Pay Type #1 -- "},null,null,{"$f":"IF(D656=TRUE,J609,0)","v":0},null,{"$f":"IF(AND('CB-Written VOE'!C338<>\"\",I609<>0),CONCATENATE(\" Additional \",'CB-Written VOE'!C23,\" Earnings\"),CONCATENATE(\" Total \",I609,\" Months Average Monthly \",PROPER('CB-Written VOE'!C23),\" Earnings\"))","v":" Total 0 Months Average Monthly Overtime Earnings"}]
[]
[{"$f":"CONCATENATE(\" Total \",A620)","v":" Total Pay Type #3 -- "},null,null,true]
[{"$f":"CONCATENATE(\" Total \",A620)","v":" Total Pay Type #3 -- "},null,null,{"$f":"IF(D659=TRUE,J625,0)","v":0},null,{"$f":"IF(AND('CB-Written VOE'!C345<>\"\",I625<>0),CONCATENATE(\" Additional \",'CB-Written VOE'!C31,\" Earnings\"),CONCATENATE(\" Total \",I625,\" Months Average Monthly \",PROPER('CB-Written VOE'!C31),\" Earnings\"))","v":" Total 0 Months Average Monthly Bonus Earnings"}]
[]
[{"$f":"CONCATENATE(\" Total \",A636)","v":" Total Pay Type #3 -- "},null,null,true]
[{"$f":"CONCATENATE(\" Total \",A636)","v":" Total Pay Type #3 -- "},null,null,{"$f":"IF(D662=TRUE,J641,0)","v":0},null,{"$f":"IF(AND('CB-Written VOE'!C352<>\"\",I641<>0),CONCATENATE(\" Additional \",'CB-Written VOE'!C39,\" Earnings\"),CONCATENATE(\" Total \",I641,\" Months Average Monthly \",PROPER('CB-Written VOE'!C39),\" Earnings\"))","v":" Total 0 Months Average Monthly Commissions Earnings"}]
[]
[" Other Additions or Subtractions to Income",null,null,{"$f":"'CB-Written VOE'!CJ62","v":0}]
[]
[" Grand Total Monthly Earnings",null,null,{"$f":"D654+D657+D660+D663+D665","v":0}]
[]
["MESSAGES"]
[]
[" #1 - increase/decrease",null,null,{"$f":"IF(AND(E544=0,E545=0,E546=0),\"Variances in earnings not determined.\",CONCATENATE(\"Variances in earnings: \",H562,\"  &  \",H561))","v":"Variances in earnings not determined."}]
[]
[" #2 - Determination",null,null,{"$f":"IF(AND(D674=FALSE,D675=FALSE,D676=FALSE,D677=FALSE,D678=FALSE,D679=FALSE),TRUE,FALSE)","v":true},"Total qualifying income to be determined."]
["Current Rate of Pay",null,null,{"$f":"IF(D538=TRUE,TRUE,FALSE)","v":false},"Total qualifying income determined on current pay rate even if not supported with YTD earnings (may be due to pay increase earlier this year, or time off taken without pay, etc.). LOE required."]
["Salary",null,null,{"$f":"IF(AND(D538=FALSE,D537>0,D652>0,D652=D537),TRUE,FALSE)","v":false},"Total qualifying income determined on current salary, and supported by YTD earnings."]
["YTD lower",null,null,{"$f":"IF(AND(D538<>FALSE,D652<D537),TRUE,FALSE)","v":false},"Total qualifying income determined on YTD average monthly earnings which are lower than regular full-time salary."]
["YTD and previous 2 yrs",null,null,{"$f":"IF(AND(M544=TRUE,M545=TRUE,M546=TRUE,OR(D534=\"Part-Time\",D534=\"Varies\",D534=\"Varies / Averaged\",D534=\"Seasonal\")),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Total qualifying income determined with earnings averaged from YTD \",B544,\", Year \",B545,\", and Year \",B546,\".\")","v":"Total qualifying income determined with earnings averaged from YTD 2020, Year 2019, and Year 2018."}]
["YTD and previous 1",null,null,{"$f":"IF(AND(M544=TRUE,M545=TRUE,M546=FALSE,OR(D534=\"Part-Time\",D534=\"Varies\",D534=\"Varies / Averaged\",D534=\"Seasonal\")),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Total qualifying income determined with earnings averaged from YTD \",B544,\", and Year \",B545,\".\")","v":"Total qualifying income determined with earnings averaged from YTD 2020, and Year 2019."}]
["YTD only",null,null,{"$f":"IF(AND(M544=TRUE,M545=FALSE,M546=FALSE,OR(D534=\"Part-Time\",D534=\"Varies\",D534=\"Varies / Averaged\",D534=\"Seasonal\")),TRUE,FALSE)","v":false},{"$f":"CONCATENATE(\"Total qualifying income determined with earnings averaged from YTD \",B544,\".\")","v":"Total qualifying income determined with earnings averaged from YTD 2020."}]
[]
[" #2 - included in calcs",null,null,{"$f":"IF(ISERROR(G652),\"Total qualifying income to be determined.\",VLOOKUP(TRUE,D673:E679,2,FALSE))","v":"Total qualifying income to be determined."}]
[]
[" #3 - average hours worked",null,null,{"$f":"IF(ISERROR(G652),\"Average weekly hours worked to be determined.\",IF(AND(E544=0,E545=0,E546=0),\"Average weekly hours worked to be determined.\",IF(OR(D532=0,D532=\"\",D534=A526,D534=A528),\"Average weekly hours worked vary.\",CONCATENATE(\"YTD earnings, at current rate of pay, reflect borrower is working an average of \",TEXT(D596,\"##.0\"),\" hours weekly.\"))))","v":"Average weekly hours worked to be determined."}]
[]
[" #4 - expected YTD total",null,null,{"$f":"IF(OR(ISERROR(D652),C544=\"\",D600=0),\"Expected amount of YTD earnings to be determined.\",VLOOKUP(D534,A521:E529,5,FALSE))","v":"Expected amount of YTD earnings to be determined."}]
[]
[" #5 - total average earnings",null,null,{"$f":"IF(OR(ISERROR(J547),F547=0),\"Total Average Base Earnings and period covered to be determined.\",CONCATENATE(\"Average Earnings:  Total earnings = \",DOLLAR(ROUND(H547,0),0),\" / Total months = \",Data_Income!I547,\" / Monthly average = \",DOLLAR(ROUND(J547,0),0),\".\"))","v":"Total Average Base Earnings and period covered to be determined."}]
[]
[{"$f":"IF('CB-Written VOE'!C23=\"~  ENTER DESCRIPTION OF ADDITIONAL EARNINGS  ~\",\"Additional Earnings Type 1\",CONCATENATE('CB-Written VOE'!C23,\" Earnings\"))","v":"OVERTIME Earnings"}]
[" #1 - increase/decrease",null,null,{"$f":"IF(AND(E606=0,E607=0,E608=0),\"Variances in earnings not determined.\",CONCATENATE(\"Variances in earnings: \",H615,\"  &  \",H614))","v":"Variances in earnings not determined."}]
[" #2 - total average earnings",null,null,{"$f":"IF(OR(ISERROR(J609),F609=0),\"Total Average Base Earnings and period covered to be determined.\",CONCATENATE(\"Average Earnings:  Total earnings = \",DOLLAR(ROUND(H609,0),0),\" / Total months = \",Data_Income!I609,\" / Monthly average = \",DOLLAR(ROUND(J609,0),0),\".\"))","v":"Total Average Base Earnings and period covered to be determined."}]
[]
[{"$f":"IF('CB-Written VOE'!C31=\"~  ENTER DESCRIPTION OF ADDITIONAL EARNINGS  ~\",\"Additional Earnings Type 2\",CONCATENATE('CB-Written VOE'!C31,\" Earnings\"))","v":"BONUS Earnings"}]
[" #1 - increase/decrease",null,null,{"$f":"IF(AND(E622=0,E623=0,E624=0),\"Variances in earnings not determined.\",CONCATENATE(\"Variances in earnings: \",H631,\"  &  \",H630))","v":"Variances in earnings not determined."}]
[" #2 - total average earnings",null,null,{"$f":"IF(OR(ISERROR(J625),F625=0),\"Total Average Base Earnings and period covered to be determined.\",CONCATENATE(\"Average Earnings:  Total earnings = \",DOLLAR(ROUND(H625,0),0),\" / Total months = \",Data_Income!I625,\" / Monthly average = \",DOLLAR(ROUND(J625,0),0),\".\"))","v":"Total Average Base Earnings and period covered to be determined."}]
[]
[{"$f":"IF('CB-Written VOE'!C39=\"~  ENTER DESCRIPTION OF ADDITIONAL EARNINGS  ~\",\"Additional Earnings Type 3\",CONCATENATE('CB-Written VOE'!C39,\" Earnings\"))","v":"COMMISSIONS Earnings"}]
[" #1 - increase/decrease",null,null,{"$f":"IF(AND(E638=0,E639=0,E640=0),\"Variances in earnings not determined.\",CONCATENATE(\"Variances in earnings: \",H647,\"  &  \",H646))","v":"Variances in earnings not determined."}]
[" #2 - total average earnings",null,null,{"$f":"IF(OR(ISERROR(J641),F641=0),\"Total Average Base Earnings and period covered to be determined.\",CONCATENATE(\"Average Earnings:  Total earnings = \",DOLLAR(ROUND(H641,0),0),\" / Total months = \",Data_Income!I641,\" / Monthly average = \",DOLLAR(ROUND(J641,0),0),\".\"))","v":"Total Average Base Earnings and period covered to be determined."}]
[]
["MILITARY INCOME CALCULATIONS"]
[]
["Branch of Service",null," ~ SELECT BRANCH OF SERVICE ~"]
[null,null," U.S. AIR FORCE / DEPT OF DEFENSE"]
[null,null," U.S. ARMY / DEPT OF DEFENSE"]
[null,null," U.S. COAST GUARD / DEPT OF DEFENSE"]
[null,null," U.S. MARINE CORPS / DEPT OF DEFENSE"]
[null,null," U.S. NATIONAL GUARD / RESERVES"]
[null,null," U.S. NAVY / DEPT OF DEFENSE"]
[null,null," ARMY RESERVES / DEPT OF DEFENSE"]
[null,null," NAVY RESERVES / DEPT OF DEFENSE"]
[null,null," MARINE CORPS RESERVES / DEPT OF DEFENSE"]
[null,null," AIR FORCE RESERVES / DEPT OF DEFENSE"]
[null,null," COAST GUARD RESERVES / DEPT OF DEFENSE"]
[null,null," ARMY NATIONAL GUARD / DEPT OF DEFENSE"]
[null,null," AIR NATIONAL GUARD / DEPT OF DEFENSE"]
[null,null," U.S. DEPT OF HOMELAND SECURITY"]
[null,null," OTHER"]
[]
["VLOOKUP"]
[1,2,3,4,5]
["Search","Pay Periods","Hours","Term","Message"]
[{"$f":"$C$54","v":"Annually (1)"},{"$f":"$E$49","v":1},{"$f":"$F$49","v":2080},{"$f":"$G$49","v":"annually"},{"$f":"IF(D736=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D734,0),\" annually), borrower's YTD earnings would need to reflect \",DOLLAR(D784,0),\" as the total amount of base earnings from \",MONTH(C745),\"/\",DAY(C745),\"/\",YEAR(C745),\" to \",MONTH(D745),\"/\",DAY(D745),\"/\",YEAR(D745),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$51","v":"Bi-Weekly (26)"},{"$f":"$E$50","v":26},{"$f":"$F$50","v":80},{"$f":"$G$50","v":"bi-weekly"},{"$f":"IF(D736=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D734,0),\" bi-weekly), borrower's YTD earnings would need to reflect \",DOLLAR(D784,0),\" as the total amount of base earnings from \",MONTH(C745),\"/\",DAY(C745),\"/\",YEAR(C745),\" to \",MONTH(D745),\"/\",DAY(D745),\"/\",YEAR(D745),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$49","v":"Hourly (H)"},{"$f":"$E$51","v":2080},{"$f":"$F$51","v":1},{"$f":"$G$51","v":"hourly"},{"$f":"IF(D736=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D734,2),\" hourly), borrower's YTD earnings would need to reflect \",DOLLAR(D784,0),\" as the total amount of base earnings from \",MONTH(C745),\"/\",DAY(C745),\"/\",YEAR(C745),\" to \",MONTH(D745),\"/\",DAY(D745),\"/\",YEAR(D745),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$53","v":"Monthly (12)"},{"$f":"$E$52","v":12},{"$f":"$F$52","v":173.33333333333334},{"$f":"$G$52","v":"monthly"},{"$f":"IF(D736=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D734,0),\" monthly), borrower's YTD earnings would need to reflect \",DOLLAR(D784,0),\" as the total amount of base earnings from \",MONTH(C745),\"/\",DAY(C745),\"/\",YEAR(C745),\" to \",MONTH(D745),\"/\",DAY(D745),\"/\",YEAR(D745),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$55","v":"Part-Time"},{"$f":"$E$53","v":0},{"$f":"$F$53","v":0},{"$f":"$G$53","v":"part-time"},{"$f":"IF(D736=0,\"N/A\",CONCATENATE(\"Working Part-Time at averaged monthly pay, borrower's YTD earnings would need to reflect approximately \",DOLLAR(D784,0),\" as the total amount of base earnings from \",MONTH(C745),\"/\",DAY(C745),\"/\",YEAR(C745),\" to \",MONTH(D745),\"/\",DAY(D745),\"/\",YEAR(D745),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$56","v":"Seasonal"},{"$f":"$E$54","v":0},{"$f":"$F$54","v":0},{"$f":"$G$54","v":"seasonal"},{"$f":"IF(D736=0,\"N/A\",CONCATENATE(\"Working Seasonal at averaged monthly pay, borrower's YTD earnings would need to reflect approximately \",DOLLAR(D784,0),\" as the total amount of base earnings from \",MONTH(C745),\"/\",DAY(C745),\"/\",YEAR(C745),\" to \",MONTH(D745),\"/\",DAY(D745),\"/\",YEAR(D745),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$52","v":"Semi-Monthly (24)"},{"$f":"$E$55","v":24},{"$f":"$F$55","v":86.666666666666671},{"$f":"$G$55","v":"semi-monthly"},{"$f":"IF(D736=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D734,2),\" semi-monthly), borrower's YTD earnings would need to reflect \",DOLLAR(D784,0),\" as the total amount of base earnings from \",MONTH(C745),\"/\",DAY(C745),\"/\",YEAR(C745),\" to \",MONTH(D745),\"/\",DAY(D745),\"/\",YEAR(D745),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$57","v":"Varies / Averaged"},{"$f":"$E$56","v":0},{"$f":"$F$56","v":0},{"$f":"$G$56","v":"varies"},{"$f":"IF(D736=0,\"N/A\",CONCATENATE(\"Based on calculated averaged monthly earnings, borrower's YTD earnings should reflect approximately \",DOLLAR(D784,0),\" as the total amount of base income earned from \",MONTH(C745),\"/\",DAY(C745),\"/\",YEAR(C745),\" to \",MONTH(D745),\"/\",DAY(D745),\"/\",YEAR(D745),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[{"$f":"$C$50","v":"Weekly (52)"},{"$f":"$E$57","v":52},{"$f":"$F$57","v":40},{"$f":"$G$57","v":"weekly"},{"$f":"IF(D736=0,\"N/A\",CONCATENATE(\"Working full-time at current rate of pay (\",DOLLAR(D734,2),\" weekly), borrower's YTD earnings would need to reflect \",DOLLAR(D784,0),\" as the total amount of base earnings from \",MONTH(C745),\"/\",DAY(C745),\"/\",YEAR(C745),\" to \",MONTH(D745),\"/\",DAY(D745),\"/\",YEAR(D745),\" (excluding bonus, commissions, differential, incentive, overtime, etc.).\"))","v":"N/A"}]
[]
[" Document date",null,null,{"$f":"IF(Military!V453=\"\",\"\",Military!V14)","v":""},null,null,"/ Date of document as entered by user in the box/field between document type and rate of pay"]
[" Rate of Pay",null,null,{"$f":"IF(OR(Military!AK14=0,Military!AK14=\"\"),0,Military!AK14)","v":0},null,null,"/ Rate of pay"]
[" Rate of Pay Message",null,null,{"$f":"IF(D736=A727,\"Hourly Rate of Pay (part-time)\",\"Rate of Pay\")","v":"Rate of Pay"}]
[" Pay period frequency",null,null,{"$f":"Military!AZ14","v":0},null,null,"/ Pay period frequency as selected by user from drop down selections provided"]
[" Average hours per week",null,null,{"$f":"Military!BR14","v":""},null,null,"/ Average weekly hours from box/field between pay period frequency and monthly earnings, field is blank and grayed out unless hourly pay period frequency is selected, then field becomes active and displays 40 hours as default, user may change figure."]
[" Annual earnings based on current rate",null,null,{"$f":"IF(OR(D734=0,D736=0),\"\",IF(D736=\"Hourly (H)\",(D734*D737)*52,D734*VLOOKUP(D736,A723:E731,2)))","v":""},null,null,"/ Annual calculated earnings based on current rate and pay period frequency selected, and average hours per week (when hourly pay period frequency is selected)."]
[" Monthly earnings based on current rate",null,null,{"$f":"IF(OR(D734=0,D736=0),\"\",IF(OR(D736=A727,D736=A728,D736=A730),J747,ROUND(D738/12,0)))","v":""},null,null,"/ Annual earnings divided by 12 for monthly results  /  If \"Part-Time\", \"Seasonal\", or \"Varies\" is selected then \"See Below\" is displayed."]
[" Use current rate / pay increase",null,null,false,null,null,"/ True if option box \"qualify at current rate\" is selected and False if option box is left blank."]
[]
["BASE EARNINGS",null,null,null,null,null,null,"Include in Calculations",null,null,"Variances"]
["Include calcs","Year","Date From","Date To","Total","Months","Monthly","Earnings","Months","Total","% Change","Inc / Dec","Stats"]
[false,{"$f":"Military!N18","v":2020},{"$f":"Military!V18","v":"2020-01-01"},{"$f":"Military!AK18","v":"00:00:00"},{"$f":"IF(Military!AZ18=\"\",0,Military!AZ18)","v":0},{"$f":"IF(OR(E744=\"\",E744=0),\"\",IF(AND(MONTH(D744)=2,DAY(D744)>27),2,ROUND((((D744-C744)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D744=\"\",E744=\"\",E744=0),\"\",ROUND(E744/F744,0))","v":""},{"$f":"IF(A744=TRUE,E744,0)","v":0},{"$f":"IF(A744=TRUE,F744,0)","v":0},{"$f":"IF(OR(A744=FALSE,H744=0,I744=0),0,ROUND(H744/I744,0))","v":0},{"$f":"IF(OR(G744=\"\",G744=0,G745=\"\",G745=0),100,IF(G744>G745,((G744-G745)/G745)*100,((G745-G744)/G745)*100))","v":100},{"$f":"IF(G744>G745,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A744=TRUE,E744>0),TRUE,FALSE)","v":false}]
[false,{"$f":"Military!N19","v":2019},{"$f":"Military!V19","v":"2019-01-01"},{"$f":"Military!AK19","v":"2019-12-31"},{"$f":"IF(Military!AZ19=\"\",0,Military!AZ19)","v":0},{"$f":"IF(OR(E745=\"\",E745=0),\"\",IF(AND(MONTH(D745)=2,DAY(D745)>27),2,ROUND((((D745-C745)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D745=\"\",E745=\"\",E745=0),\"\",ROUND(E745/F745,0))","v":""},{"$f":"IF(A745=TRUE,E745,0)","v":0},{"$f":"IF(A745=TRUE,F745,0)","v":0},{"$f":"IF(OR(A745=FALSE,H745=0,I745=0),0,ROUND(H745/I745,0))","v":0},{"$f":"IF(OR(G745=\"\",G745=0,G746=\"\",G746=0),100,IF(G745>G746,((G745-G746)/G746)*100,((G746-G745)/G746)*100))","v":100},{"$f":"IF(G745>G746,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A745=TRUE,E745>0),TRUE,FALSE)","v":false}]
[false,{"$f":"Military!N20","v":2018},{"$f":"Military!V20","v":"2018-01-01"},{"$f":"Military!AK20","v":"2018-12-31"},{"$f":"IF(Military!AZ20=\"\",0,Military!AZ20)","v":0},{"$f":"IF(OR(E746=\"\",E746=0),\"\",IF(AND(MONTH(D746)=2,DAY(D746)>27),2,ROUND((((D746-C746)+1)/365)*12,1)))","v":""},{"$f":"IF(OR(D746=\"\",E746=\"\",E746=0),\"\",ROUND(E746/F746,0))","v":""},{"$f":"IF(A746=TRUE,E746,0)","v":0},{"$f":"IF(A746=TRUE,F746,0)","v":0},{"$f":"IF(OR(A746=FALSE,H746=0,I746=0),0,ROUND(H746/I746,0))","v":0},{"$f":"IF(OR(G744=\"\",G744=0,G746=\"\",G746=0),100,IF(G744>G746,((G744-G746)/G746)*100,((G746-G744)/G746)*100))","v":100},{"$f":"IF(G744>G746,\"Increase\",\"Decrease\")","v":"Decrease"},{"$f":"IF(AND(A746=TRUE,E746>0),TRUE,FALSE)","v":false}]
[" Totals",null,null,null,{"$f":"SUM(E744:E746)","v":0},{"$f":"SUM(F744:F746)","v":0},{"$f":"IF(AND(D734=0,D736=0),0,IF(D740=TRUE,D739,IF(OR(D736=A727,D736=A728,D736=A730,F744=FALSE,F745=FALSE,F746=FALSE),J747,IF(D740=FALSE,MIN(D739,G744),J747))))","v":0},{"$f":"IF(SUM(E744:E746)=0,0,ROUND(SUM(H744:H746),0))","v":0},{"$f":"IF(SUM(F744:F746)=0,0,ROUND(SUM(I744:I746),1))","v":0},{"$f":"IF(I747=0,0,ROUND(H747/I747,0))","v":0}]
[]
[" Statistics 1",{"$f":"CONCATENATE(B746,\" – \",B745)","v":"2018 – 2019"},null,{"$f":"IF(AND(E745=0,E746=0),CONCATENATE(B746,\" to \",B745,\" = N/A +/–\"),IF(AND(E745=0,E746>0),CONCATENATE(B746,\" to \",B745,\" = 100% Decrease\"),IF(AND(E745>0,E746=0),CONCATENATE(B746,\" to \",B745,\" = 100% Increase\"),IF(AND(E745>0,E746>0),CONCATENATE(B746,\" to \",B745,\" = \",ABS(FIXED(K745,1)),\"% \",IF(G745>G746,\"Increase\",\"Decrease\"))))))","v":"2018 to 2019 = N/A +/–"},null,null,"/ Percentage increase or decrease from selected years"]
[" Statistics 2",{"$f":"CONCATENATE(B745,\" – \",B744)","v":"2019 – 2020"},null,{"$f":"IF(AND(E744=0,E746=0),CONCATENATE(B745,\" to \",B744,\" = N/A +/–\"),IF(AND(E744=0,E745>0),CONCATENATE(B745,\" to \",B744,\" = 100% Decrease\"),IF(AND(E744>0,E745=0),CONCATENATE(B745,\" to \",B744,\" = 100% Increase\"),IF(AND(E744>0,E745>0),CONCATENATE(B745,\" to \",B744,\" = \",ABS(FIXED(K744,1)),\"% \",IF(G744>G745,\"Increase\",\"Decrease\"))))))","v":"2019 to 2020 = N/A +/–"},null,null,"/ Percentage increase or decrease from selected years"]
[" Statistics 3",{"$f":"CONCATENATE(B746,\" – \",B744)","v":"2018 – 2020"},null,{"$f":"IF(OR(E744=0,E746=0),CONCATENATE(B746,\" to \",B744,\" = N/A +/–\"),IF(AND(E744=0,E746>0),CONCATENATE(B746,\" to \",B744,\" = 100% Decrease\"),IF(AND(E744>0,E746=0),CONCATENATE(B746,\" to \",B744,\" = 100% Increase\"),IF(AND(E744>0,E746>0),CONCATENATE(B746,\" to \",B744,\" = \",ABS(FIXED(K746,1)),\"% \",IF(G744>G746,\"Increase\",\"Decrease\"))))))","v":"2018 to 2020 = N/A +/–"},null,null,"/ Percentage increase or decrease from selected years"]
[]
[" YTD Earnings",null,null,{"$f":"IF(OR(A744=FALSE,E744=\"\"),0,E744)","v":0},null,null,"/ YTD earnings"]
[" Months included in YTD Earnings",null,null,{"$f":"IF(OR(A744=FALSE,E744=\"\",E744=0,F744=0),\"\",F744)","v":""},null,null,"/ months calculated based on user entered dates on YTD line"]
[" Rate of Pay",null,null,{"$f":"D734","v":0},null,null,"/ Rate of pay"]
[" Average monthly earnings (YTD)",null,null,{"$f":"IF(OR(D753=0,D754=0,),0,D753/D754)","v":0},null,null,"/ Average monthly earnings calculated from YTD total"]
[" Average monthly earnings (years combined)",null,null,{"$f":"H747","v":0},null,null,"/ Average monthly earnings calculated from totals of all years selected"]
[]
[" Calculated Averages - YTD"]
["Average monthly earnings (YTD)",null,null,{"$f":"D756","v":0}]
["Average calculated annual earnings",null,null,{"$f":"D760*12","v":0}]
["Average calculated weekly earnings",null,null,{"$f":"D761/52","v":0}]
["Hourly rate of pay",null,null,{"$f":"D734","v":0}]
["Average calculated weekly hours",null,null,{"$f":"IF(D763=0,0,IF((D762/D763)>40,40,D762/D763))","v":0}]
["Avg weekly hours display",null,null,{"$f":"IF(D736=\"Hourly (H)\",D764,\"N/A\")","v":"N/A"}]
["Weekly hours message",null,null,{"$f":"IF(D763=0,\"Weekly\",IF(OR(D736<>\"Hourly (H)\",(D762/D763)>40),\"Weekly\",\"Average Weekly\"))","v":"Weekly"}]
[]
[{"$f":"CONCATENATE(\"Total days (\",B744,\" YTD)\")","v":"Total days (2020 YTD)"},null,null,{"$f":"IF(D744=\"\",0,ROUND(D744-C744,0))","v":-43831},null,null,"/ Total days determined by taking Date To minus Date From for the particular period"]
[{"$f":"CONCATENATE(\"Total days (\",B745,\")\")","v":"Total days (2019)"},null,null,{"$f":"IF(OR(D736=A727,D736=A728,D736=A730),ROUND(D745-C745,0),0)","v":0},null,null,"/ Total days determined by taking Date To minus Date From for the particular period"]
[{"$f":"CONCATENATE(\"Total days (\",B746,\")\")","v":"Total days (2018)"},null,null,{"$f":"IF(OR(D736=A727,D736=A728,D736=A730),ROUND(D746-C746,0),0)","v":0},null,null,"/ Total days determined by taking Date To minus Date From for the particular period"]
["Grand Total Days",null,null,{"$f":"SUM(D768:D770)","v":-43831},null,null,"/ Total days determined by taking combined Date To minus Date From for all periods combined"]
[]
[{"$f":"CONCATENATE(\"Total weeks (\",B744,\" YTD)\")","v":"Total weeks (2020 YTD)"},null,null,{"$f":"ROUND(D768/7,0)","v":-6262},null,null,"/ Total weeks determined by taking Total Days ÷ 7 for the particular period"]
[{"$f":"CONCATENATE(\"Total weeks (\",B745,\")\")","v":"Total weeks (2019)"},null,null,{"$f":"IF(OR(D736=A727,D736=A728,D736=A730),ROUND(D769/7,0),0)","v":0},null,null,"/ Total weeks determined by taking Total Days ÷ 7 for the particular period"]
[{"$f":"CONCATENATE(\"Total weeks (\",B746,\")\")","v":"Total weeks (2018)"},null,null,{"$f":"IF(OR(D736=A727,D736=A728,D736=A730),ROUND(D770/7,0),0)","v":0},null,null,"/ Total weeks determined by taking Total Days ÷ 7 for the particular period"]
["Grand Total Weeks",null,null,{"$f":"SUM(D773:D775)","v":-6262},null,null,"/ Total weeks determined by taking combined Total Days ÷ 7 for all periods combined"]
[]
[" Total average earnings per week",null,null,{"$f":"IF(OR(D776=0,D773=0),0,IF(OR(D736=A727,D736=A728,D736=A730),E747/D776,D753/D773))","v":0},null,null,"/ If Part-Time, Seasonal or Varies/Averaged is selected, then grand total income of all years cobmined ÷ grand total weeks, for any other selection Total YTD Earnings ÷ Total Weeks for YTD period"]
[" Earnings per hour",null,null,{"$f":"IF(D778=0,0,IF(OR(D736=A727,D736=A728,D736=A730),D734,D734/VLOOKUP(D736,A723:E731,3)))","v":0},null,null,"/ If Part-Time, Seasonal or Varies/Averaged is selected, then use Rate of Pay, for any other selection Rate of Pay ÷ Pay Period Frequency periods"]
[" Average weekly hours",null,null,{"$f":"IF(D779=0,0,ROUND(D778/D779,1))","v":0},null,null,"/ Average weekly hours worked based on total average earnings per week ÷ earnings per hour."]
[]
[" Monthly Average Earnings",null,null,{"$f":"MIN(G744,G747)","v":0},null,null,"/ Average monthly earnings, minimum of YTD average monthly earnings or total average monthly earnings, determined with figures from current rate of pay and base earnings section of the income worksheet (top section)"]
[" Months included in YTD Earnings",null,null,{"$f":"IF(OR(E744=\"\",E744=0,A744=FALSE),\"\",ROUND(((D744-C744)/365)*12,1))","v":""},null,null,"/ YTD \"Date To\" less YTD \"Date From\" ÷ 365 X 12"]
[" Expected YTD earnings",null,null,{"$f":"IF(OR(D782=0,D782=\"\",D783=0,D783=\"\"),0,ROUND(D782*D783,0))","v":0},null,null,"/ Monthly avearge earnings X months included in earnings"]
[]
["UNREIMBURSED EMPLOYEE EXPENSES"]
[]
["Inc / Exc","Year","Amt Claimed","Depreciation","Buss Miles","BM addback","Total","Months",null,null,"Average"]
[false,{"$f":"Military!G32","v":2019},{"$f":"Military!P32","v":0},{"$f":"Military!AG32","v":0},{"$f":"Military!AW32","v":0},{"$f":"IF(OR(A789=FALSE,C789=0,E789=0),0,E789*VLOOKUP(B789,$C$37:$D$42,2))","v":0},{"$f":"IF(A789=FALSE,\"\",IF(AND(D789>0,E789>0),0,IF(AND(D789>0,E789<=0),ROUNDDOWN(C789-D789,0),IF(AND(D789<=0,E789>0),ROUNDDOWN(C789-F789,0),C789))))","v":""},{"$f":"Military!CB32","v":12},null,null,{"$f":"IF(A789=FALSE,\"\",IF(C789=0,0,IF(AND(D789>0,E789>0),\"Error Dep & Buss\",ROUNDDOWN(G789/H789,0))))","v":""}]
[false,{"$f":"Military!G33","v":2018},{"$f":"Military!P33","v":0},{"$f":"Military!AG33","v":0},{"$f":"Military!AW33","v":0},{"$f":"IF(OR(A790=FALSE,C790=0,E790=0),0,E790*VLOOKUP(B790,$C$37:$D$42,2))","v":0},{"$f":"IF(A790=FALSE,\"\",IF(AND(D790>0,E790>0),0,IF(AND(D790>0,E790<=0),ROUNDDOWN(C790-D790,0),IF(AND(D790<=0,E790>0),ROUNDDOWN(C790-F790,0),C790))))","v":""},{"$f":"Military!CB33","v":12},null,null,{"$f":"IF(A790=FALSE,\"\",IF(C790=0,0,IF(AND(D790>0,E790>0),\"Error Dep & Buss\",ROUNDDOWN(G790/H790,0))))","v":""}]
[" Totals",null,null,null,{"$f":"SUM(E789:E790)","v":0},{"$f":"SUM(F789:F790)","v":0},{"$f":"SUM(G789:G790)","v":0},{"$f":"SUM(H789:H790)","v":24},null,null,{"$f":"IF(ISERROR(G791/H791),0,IF(AND(A789=TRUE,A790=TRUE),ROUND(G791/H791,0),IF(AND(A789=TRUE,A790=FALSE),K789,IF(AND(A789=FALSE,A790=TRUE),K790,0))))","v":0}]
[]
[" Deduct from base earnings",null,null,true,null,null,"/ Checkbox option results to deduct unreimbursed employee expenses from base earnings, if not deducted from base earnings, then underwriter to enter unreimbursed employee expenses as a monthly liability"]
[]
["BAS QUALIFYING EARNINGS"]
[]
[null,null,null,2016]
[" BAS for Officers",null,null,253.63]
[" BAS for Enlisted personnel",null,null,368.29]
[]
[" Actual BAS",null,null,{"$f":"Military!CM25","v":0}]
[]
[" BAS Type",null,null,{"$f":"IF(D801=0,CONCATENATE(\"BAS rate for year \",YEAR(TODAY())),IF(D801<350,CONCATENATE(\"BAS rate for Officers for year \",YEAR(TODAY())),CONCATENATE(\"BAS rate for Enlisted Personnal for year \",YEAR(TODAY()))))","v":"BAS rate for year 2020"}]
[]
["TOTAL QUALIFYING EARNINGS"]
[]
[" Total Base Earnings",null,null,{"$f":"IF(D740=TRUE,D739,J747)","v":0},null,{"$f":"IF(OR(D746=A737,D746=A738,D746=A740),CONCATENATE(\"total average earnings for the past \",I747,\" months\"),\"(lower of Current Rate or YTD avg, or explanation provided)\")","v":"(lower of Current Rate or YTD avg, or explanation provided)"}]
[" Total BAH",null,null,{"$f":"ROUND(Military!AN25+(Military!AN25*Military!AN26),0)","v":0}]
[" Total BAS",null,null,{"$f":"ROUND(Military!CM25+(Military!CM25*Military!CM26),0)","v":0}]
[" Total Average Unreimbursed Emp Expenses",null,null,{"$f":"IF(K791=0,0,IF(D793=TRUE,K791,0))","v":0}]
[" Other Additions or Subtractions to Income",null,null,{"$f":"Military!CJ42","v":0}]
[" Total Calculated Qualifying Base Earnings",null,null,{"$f":"SUM(D807:D811)","v":0}]
[]
["MESSAGES"]
[]
[" #1 - increase/decrease",null,null,{"$f":"IF(AND(E744=0,E745=0,E746=0),\"Variances in annual earnings to be determined\",IF(AND(E744>0,E745>0,E746>0),CONCATENATE(\"Variances in annual earnings:  \",D749,\" & \",D750),IF(AND(E744>0,E745>0,E746=0),CONCATENATE(\"Variances in annual earnings:  \",D750),IF(AND(E744=0,E745>0,E746>0),CONCATENATE(\"Variances in annual earnings:  \",D749),IF(AND(E744>0,E745=0,E746>0),CONCATENATE(\"Variances in annual earnings:  \",D751),\"\")))))","v":"Variances in annual earnings to be determined"}]
[" #2 - included in calcs",null,null,{"$f":"IF(AND(E744=0,E745=0,E746=0),\"Years included in Total Qualifying Income calculations to be determined\",CONCATENATE(\"Total qualifying income determined with earnings from \",IF(AND(M744=TRUE,M745=TRUE,M746=TRUE),CONCATENATE(\"YTD \",B744,\", Year \",B745,\", and Year \",B746),IF(AND(M744=TRUE,M745=TRUE,M746=FALSE),CONCATENATE(\"YTD \",B744,\", and Year \",B745),IF(AND(M744=TRUE,M745=FALSE,M746=TRUE),CONCATENATE(\"YTD \",B744,\" and Year \",B746),IF(AND(M744=FALSE,M745=TRUE,M746=TRUE),CONCATENATE(\"Year \",B745,\" and Year \",B746),IF(AND(M744=FALSE,M745=TRUE,M746=FALSE),CONCATENATE(\"Year \",B745),IF(AND(A744=FALSE,A745=FALSE,A746=TRUE),CONCATENATE(\"Year \",B746),))))))))","v":"Years included in Total Qualifying Income calculations to be determined"}]
[" #3 - average hours worked",null,null,{"$f":"IF(AND(E744=0,E745=0,E746=0),\"Average weekly hours worked to be determined\",IF(OR(D734=0,D734=\"\",D736=A728,D736=A730),\"Average weekly hours worked vary.\",CONCATENATE(\"YTD earnings, at current rate of pay, reflect borrower is working an average of \",TEXT(D780,\"##.0\"),\" hours weekly.\")))","v":"Average weekly hours worked to be determined"}]
[" #4 - expected YTD total",null,null,{"$f":"IF(OR(C744=\"\",D784=0),\"Expected amount of YTD earnings to be determined.\",VLOOKUP(D736,A723:E731,5))","v":"Expected amount of YTD earnings to be determined."}]
[" #5 - total average earnings",null,null,{"$f":"IF(OR(ISERROR(J747),F747=0),\"Total Average Base Earnings and period covered to be determined.\",CONCATENATE(\"Average Earnings:  Total earnings = \",DOLLAR(ROUND(E747,0),0),\" / Total months = \",Data_Income!I747,\" / Monthly average = \",DOLLAR(ROUND(J747,0),0),\".\"))","v":"Total Average Base Earnings and period covered to be determined."}]
[]
["RESIDUAL INCOME"]
[]
[" See \"Res Inc Data\" hidden worksheet"]
[]
["BACK TO WORK INITIATIVE"]
[]
["Period",null,"Dates"]
[" Economic Event Date",null,{"$f":"'Back-to-Work'!CK11","v":"00:00:00"}]
[" Day after economic event",null,{"$f":"C829+1","v":"1900-01-01"}]
[" 6 mos post Economic Event",null,{"$f":"EDATE(C830,6)","v":"1900-07-01"}]
[]
["Household","Before","After","Months","Average"]
[" Borrower",{"$f":"'Back-to-Work'!CK12","v":0},{"$f":"'Back-to-Work'!CK19","v":0},{"$f":"IF(OR(B834=0,C834=0),0,((C831-C829)/365)*12)","v":0},{"$f":"IF(OR(B834=0,C834=0),0,C834/D834)","v":0}]
[" Other",{"$f":"'Back-to-Work'!CK13","v":0},{"$f":"'Back-to-Work'!CK20","v":0},{"$f":"IF(OR(B835=0,C835=0),0,((C831-C829)/365)*12)","v":0},{"$f":"IF(OR(B835=0,C835=0),0,C835/D835)","v":0}]
[" Totals",{"$f":"SUM(B834:B835)","v":0},{"$f":"SUM(C834:C835)","v":0},{"$f":"IF(OR(B836=0,C836=0),0,((C831-C829)/365)*12)","v":0},{"$f":"IF(OR(B836=0,C836=0),0,ROUND(C836/D836,0))","v":0},{"$f":"IF(OR(B836=0,C836=0),\" \",(B836-E836)/B836)","v":" "}]
[]
["LineMsg1",{"$f":"IF(C829=\"\",\" \",CONCATENATE(\" Borrower's total income beginning on \",MONTH(C830),\"/\",DAY(C830),\"/\",YEAR(C830),\" and ending on \",MONTH(C831),\"/\",DAY(C831),\"/\",YEAR(C831)))","v":" Borrower's total income beginning on 1/1/1900 and ending on 7/1/1900"},null,null,null,null,"\\ Borrower's total income beginning on \",MONTH(I335),\"/\",DAY(I335),\"/\",YEAR(I335),\" and ending on \",MONTH(I336),\"/\",DAY(I336),\"/\",YEAR(I336)"]
["LineMsg2",{"$f":"IF(C829=\"\",\" \",CONCATENATE(\" Other household total income beginning on \",MONTH(C830),\"/\",DAY(C830),\"/\",YEAR(C830),\" and ending on \",MONTH(C831),\"/\",DAY(C831),\"/\",YEAR(C831)))","v":" Other household total income beginning on 1/1/1900 and ending on 7/1/1900"},null,null,null,null,"\\ Other household income beginning on \",MONTH(H335),\"/\",DAY(H335),\"/\",YEAR(H335),\" and ending on \",MONTH(H336),\"/\",DAY(H336),\"/\",YEAR(H336)"]
["LineMsg3",{"$f":"IF(C829=\"\",\" \",CONCATENATE(\" Grand Total Household Income beginning on \",MONTH(C830),\"/\",DAY(C830),\"/\",YEAR(C830),\" and ending on \",MONTH(C831),\"/\",DAY(C831),\"/\",YEAR(C831)))","v":" Grand Total Household Income beginning on 1/1/1900 and ending on 7/1/1900"},null,null,null,null,"\\ Grand Total Household Income beginning on \",MONTH(H335),\"/\",DAY(H335),\"/\",YEAR(H335),\" and ending on \",MONTH(H336),\"/\",DAY(H336),\"/\",YEAR(H336)"]
["LineMsg4",{"$f":"IF(C829=\"\",\" \",CONCATENATE(\" Grand Total Household Monthly Income Average for the period of \",MONTH(C830),\"/\",DAY(C830),\"/\",YEAR(C830),\" to \",MONTH(C831),\"/\",DAY(C831),\"/\",YEAR(C831)))","v":" Grand Total Household Monthly Income Average for the period of 1/1/1900 to 7/1/1900"},null,null,null,null,"\\ Grand Total Household Monthly Income Average for the period of \",MONTH(H335),\"/\",DAY(H335),\"/\",YEAR(H335),\" to \",MONTH(H336),\"/\",DAY(H336),\"/\",YEAR(H336)"]
[]
["Message1",{"$f":"IF(F836=\" \",\" \",CONCATENATE(\"Based on figures above, it appears the Economic Event caused a reduction in borrower's household income of \",ROUND(F836*100,1),\"% for a period of \",ROUND(((C831-C829)/365)*12,1),\" months following the economic event.\"))","v":" "},null,null,null,null,"\\ Based on figures above, it appears the Economic Event caused a reduction in borrower's household income of \",ROUND(K341*100,1),\"% for a period of at least six months following the economic event.\")"]
["Message2",{"$f":"IF(F836=\" \",\" \",IF(F836>19.99%,B846,B847))","v":" "},null,null,null,null,"=IF(K341=\" \",\" \",IF(K341>19.99%,G351,G352))"]
[]
["Positive","Borrower DOES appear to satisfy the FHA Back to Work Initiative income reduction requirements."]
["Negative","Borrower DOES NOT appear to satisfy the FHA Back to Work Initiative income reduction requirements."]
[]
["SELF-EMPLOYED INCOME ANALYSIS  /  Cash Flow Form 1084"]
[]
[" 1. Form 1040 - Individual Income Tax Return",null,null,null,{"$f":"'SE FNMA 1084'!BW12","v":"Select Year"},{"$f":"'SE FNMA 1084'!CS12","v":"Select Year"}]
["Wages, salaries considered elsewhere (Line 7)",null,null,null,{"$f":"'SE FNMA 1084'!BV14","v":0},{"$f":"'SE FNMA 1084'!CR14","v":0}]
["Sub-Total Section 1",null,null,null,{"$f":"E852","v":0},{"$f":"F852","v":0}]
[]
[" 2. Schedule B",null,null,null,{"$f":"'SE FNMA 1084'!BW17","v":"Select Yr"},{"$f":"'SE FNMA 1084'!CS17","v":"Select Yr"}]
["Interest Income from self-employment (Line 8a)",null,null,null,{"$f":"'SE FNMA 1084'!BV19","v":0},{"$f":"'SE FNMA 1084'!CR19","v":0}]
["Dividends from self-employment (Line 9a)",null,null,null,{"$f":"'SE FNMA 1084'!BV20","v":0},{"$f":"'SE FNMA 1084'!CR20","v":0}]
["Sub-Total Section 2",null,null,null,{"$f":"SUM(E856:E857)","v":0},{"$f":"SUM(F856:F857)","v":0}]
[]
[" 3. Schedule C",null,null,null,{"$f":"'SE FNMA 1084'!BW23","v":"Select Year"},{"$f":"'SE FNMA 1084'!CS23","v":"Select Year"}]
["Net Profit or (Loss)",null,null,null,{"$f":"'SE FNMA 1084'!BV25","v":0},{"$f":"'SE FNMA 1084'!CR25","v":0}]
["Nonrecurring Other (Income) Loss/Expenses",null,null,null,{"$f":"'SE FNMA 1084'!BV26","v":0},{"$f":"'SE FNMA 1084'!CR26","v":0}]
["Depletion",null,null,null,{"$f":"'SE FNMA 1084'!BV27","v":0},{"$f":"'SE FNMA 1084'!CR27","v":0}]
["Depreciation",null,null,null,{"$f":"'SE FNMA 1084'!BV28","v":0},{"$f":"'SE FNMA 1084'!CR28","v":0}]
["Non-deductible Meals and Entertainment Expenses",null,null,null,{"$f":"'SE FNMA 1084'!BV29","v":0},{"$f":"'SE FNMA 1084'!CR29","v":0}]
["Business Use of Home",null,null,null,{"$f":"'SE FNMA 1084'!BV30","v":0},{"$f":"'SE FNMA 1084'!CR30","v":0}]
["Amortization/Casualty Loss",null,null,null,{"$f":"'SE FNMA 1084'!BV31","v":0},{"$f":"'SE FNMA 1084'!CR31","v":0}]
["Sub-Total Section 3",null,null,null,{"$f":"(E861+E862+E863+E864+E866+E867)-E865","v":0},{"$f":"(F861+F862+F863+F864+F866+F867)-F865","v":0}]
[]
[" 4. Schedule D",null,null,null,{"$f":"'SE FNMA 1084'!BW34","v":"Select Year"},{"$f":"'SE FNMA 1084'!CS34","v":"Select Yr"}]
["Recurring Capital Gains (Lines 1a/1b(h),2h,3h,8a/8b(h),9h,10h)",null,null,null,{"$f":"'SE FNMA 1084'!BV36","v":0},{"$f":"'SE FNMA 1084'!CR36","v":0}]
["Installment Sale Gain (Amount reported on Schedule D)",null,null,null,{"$f":"'SE FNMA 1084'!BV37","v":0},{"$f":"'SE FNMA 1084'!CR37","v":0}]
["Sub-Total Section 4",null,null,null,{"$f":"SUM(E871:E872)","v":0},{"$f":"SUM(F871:F872)","v":0}]
[]
[" 5. Schedule E",null,null,null,{"$f":"'SE FNMA 1084'!BW40","v":"Select Year"},{"$f":"'SE FNMA 1084'!CS40","v":"Select Yr"}]
["Royalties Received",null,null,null,{"$f":"'SE FNMA 1084'!BV44","v":0},{"$f":"'SE FNMA 1084'!CR44","v":0}]
["Total Expenses",null,null,null,{"$f":"'SE FNMA 1084'!BV45","v":0},{"$f":"'SE FNMA 1084'!CR45","v":0}]
["Depletion",null,null,null,{"$f":"'SE FNMA 1084'!BV46","v":0},{"$f":"'SE FNMA 1084'!CR46","v":0}]
["Sub-Total Section 5",null,null,null,{"$f":"(E876+E878)-E877","v":0},{"$f":"(F876+F878)-F877","v":0}]
[]
[" 6. Schedule F",null,null,null,{"$f":"'SE FNMA 1084'!BW49","v":"Select Year"},{"$f":"'SE FNMA 1084'!CS49","v":"Select Year"}]
["Net Farm Profit or (Loss)",null,null,null,{"$f":"'SE FNMA 1084'!BV51","v":0},{"$f":"'SE FNMA 1084'!CR51","v":0}]
["Non-Tax Portion Ongoing Coop and CCC Payments",null,null,null,{"$f":"'SE FNMA 1084'!BV52","v":0},{"$f":"'SE FNMA 1084'!CR52","v":0}]
["Nonrecurring Other (Income) Loss",null,null,null,{"$f":"'SE FNMA 1084'!BV53","v":0},{"$f":"'SE FNMA 1084'!CR53","v":0}]
["Depreciation",null,null,null,{"$f":"'SE FNMA 1084'!BV54","v":0},{"$f":"'SE FNMA 1084'!CR54","v":0}]
["Amortization/Casualty Loss/Depletion",null,null,null,{"$f":"'SE FNMA 1084'!BV55","v":0},{"$f":"'SE FNMA 1084'!CR55","v":0}]
["Business Use of Home",null,null,null,{"$f":"'SE FNMA 1084'!BV56","v":0},{"$f":"'SE FNMA 1084'!CR56","v":0}]
["Sub-Total Section 6",null,null,null,{"$f":"SUM(E882:E887)","v":0},{"$f":"SUM(F882:F887)","v":0}]
[]
[" Partnership Cash Flow"]
[]
[" 7. Schedule K-1 Form 1065",null,null,null,{"$f":"'SE FNMA 1084'!BW67","v":"Select Year"},{"$f":"'SE FNMA 1084'!CS67","v":"Select Year"}]
["a. Ordinary Income (Loss)",null,null,null,{"$f":"'SE FNMA 1084'!BV68","v":0},{"$f":"'SE FNMA 1084'!CR68","v":0}]
["b. Net Rental Real Estate: Other Net Income (Loss)",null,null,null,{"$f":"'SE FNMA 1084'!BV69","v":0},{"$f":"'SE FNMA 1084'!CR69","v":0}]
["c. Guaranteed Payments to Partner",null,null,null,{"$f":"'SE FNMA 1084'!BV70","v":0},{"$f":"'SE FNMA 1084'!CR70","v":0}]
["Sub-Total Section 7",null,null,null,{"$f":"SUM(E893:E895)","v":0},{"$f":"SUM(F893:F895)","v":0}]
[]
[" 8. Form 1065 - Adjustments to Business Cash Flow"]
["a. Ordinary (Income) Loss from Other Partnerships",null,null,null,{"$f":"'SE FNMA 1084'!BV73","v":0},{"$f":"'SE FNMA 1084'!CR73","v":0}]
["b. Nonrecurring Other (Income) Loss",null,null,null,{"$f":"'SE FNMA 1084'!BV74","v":0},{"$f":"'SE FNMA 1084'!CR74","v":0}]
["c. Depreciation",null,null,null,{"$f":"'SE FNMA 1084'!BV75","v":0},{"$f":"'SE FNMA 1084'!CR75","v":0}]
["d. Depletion",null,null,null,{"$f":"'SE FNMA 1084'!BV76","v":0},{"$f":"'SE FNMA 1084'!CR76","v":0}]
["e. Amortization/Casualty Loss",null,null,null,{"$f":"'SE FNMA 1084'!BV77","v":0},{"$f":"'SE FNMA 1084'!CR77","v":0}]
["f. Mortgages or Notes Payable in Less than 1 Year",null,null,null,{"$f":"'SE FNMA 1084'!BV78","v":0},{"$f":"'SE FNMA 1084'!CR78","v":0}]
["g. Non-deductible Travel and Entertainment Expenses",null,null,null,{"$f":"'SE FNMA 1084'!BV79","v":0},{"$f":"'SE FNMA 1084'!CR79","v":0}]
["h. Subtotal",null,null,null,{"$f":"SUM(E899:E903)-SUM(E904:E905)","v":0},{"$f":"SUM(F899:F903)-SUM(F904:F905)","v":0}]
["    Percentage of Ownership",null,null,null,{"$f":"'SE FNMA 1084'!BV81","v":1},{"$f":"'SE FNMA 1084'!CR81","v":1}]
["i. Total Form 1065 (subtotal multiplied by % of ownership)",null,null,null,{"$f":"E906*E907","v":0},{"$f":"F906*F907","v":0}]
["Sub-Total Section 8",null,null,null,{"$f":"E908","v":0},{"$f":"F908","v":0}]
[]
[" S-Corporation Cash Flow"]
[]
[" 9. Schedule K-1 Form 1120S",null,null,null,{"$f":"'SE FNMA 1084'!BW92","v":"Select Year"},{"$f":"'SE FNMA 1084'!CS92","v":"Select Year"}]
["a. Ordinary Income (Loss)",null,null,null,{"$f":"'SE FNMA 1084'!BV93","v":0},{"$f":"'SE FNMA 1084'!CR93","v":0}]
["b. Net Rental Real Estate: Other Net Income (Loss)",null,null,null,{"$f":"'SE FNMA 1084'!BV94","v":0},{"$f":"'SE FNMA 1084'!CR94","v":0}]
["Sub-Total Section 9",null,null,null,{"$f":"SUM(E914:E915)","v":0},{"$f":"SUM(F914:F915)","v":0}]
[]
[" 10. Form 1120S - Adjustments to Business Cash Flow"]
["a. Nonrecurring Other (Income) Loss",null,null,null,{"$f":"'SE FNMA 1084'!BV97","v":0},{"$f":"'SE FNMA 1084'!CR97","v":0}]
["b. Depreciation",null,null,null,{"$f":"'SE FNMA 1084'!BV98","v":0},{"$f":"'SE FNMA 1084'!CR98","v":0}]
["c. Depletion",null,null,null,{"$f":"'SE FNMA 1084'!BV99","v":0},{"$f":"'SE FNMA 1084'!CR99","v":0}]
["d. Amortization/Casualty Loss",null,null,null,{"$f":"'SE FNMA 1084'!BV100","v":0},{"$f":"'SE FNMA 1084'!CR100","v":0}]
["e. Mortgages or Notes Payable in Less than 1 Year",null,null,null,{"$f":"'SE FNMA 1084'!BV101","v":0},{"$f":"'SE FNMA 1084'!CR101","v":0}]
["f. Non-deductible Travel and Entertainment Expenses",null,null,null,{"$f":"'SE FNMA 1084'!BV102","v":0},{"$f":"'SE FNMA 1084'!CR102","v":0}]
["g. Subtotal",null,null,null,{"$f":"SUM(E919:E922)-SUM(E923:E924)","v":0},{"$f":"SUM(F919:F922)-SUM(F923:F924)","v":0}]
["    Percentage of Ownership",null,null,null,{"$f":"'SE FNMA 1084'!BV104","v":1},{"$f":"'SE FNMA 1084'!CR104","v":1}]
["h. Total Form 1120S (subtotal multiplied by % of ownership)",null,null,null,{"$f":"E925*E926","v":0},{"$f":"F925*F926","v":0}]
["Sub-Total Section 10",null,null,null,{"$f":"E927","v":0},{"$f":"F927","v":0}]
[]
[" Corporation Cash Flow"]
[]
[" 11. Form 1120 - Regular Corporation",null,null,null,{"$f":"'SE FNMA 1084'!BW113","v":"Select Year"},{"$f":"'SE FNMA 1084'!CS113","v":"Select Yr"}]
["a. Taxable Income",null,null,null,{"$f":"'SE FNMA 1084'!BV114","v":0},{"$f":"'SE FNMA 1084'!CR114","v":0}]
["b. Total Tax",null,null,null,{"$f":"'SE FNMA 1084'!BV115","v":0},{"$f":"'SE FNMA 1084'!CR115","v":0}]
["c. Nonrecurring (Gains) Losses",null,null,null,{"$f":"'SE FNMA 1084'!BV116","v":0},{"$f":"'SE FNMA 1084'!CR116","v":0}]
["d. Nonrecurring Other (Income) Loss",null,null,null,{"$f":"'SE FNMA 1084'!BV117","v":0},{"$f":"'SE FNMA 1084'!CR117","v":0}]
["e. Depreciation",null,null,null,{"$f":"'SE FNMA 1084'!BV118","v":0},{"$f":"'SE FNMA 1084'!CR118","v":0}]
["f. Depletion",null,null,null,{"$f":"'SE FNMA 1084'!BV119","v":0},{"$f":"'SE FNMA 1084'!CR119","v":0}]
["g. Amortization/Casualty Loss",null,null,null,{"$f":"'SE FNMA 1084'!BV120","v":0},{"$f":"'SE FNMA 1084'!CR120","v":0}]
["h. Net Operating Loss and Special Deductions",null,null,null,{"$f":"'SE FNMA 1084'!BV121","v":0},{"$f":"'SE FNMA 1084'!CR121","v":0}]
["i. Mortgages or Notes Payable in Less than 1 Year",null,null,null,{"$f":"'SE FNMA 1084'!BV122","v":0},{"$f":"'SE FNMA 1084'!CR122","v":0}]
["j. Non-deductible Travel and Entertainment Expenses",null,null,null,{"$f":"'SE FNMA 1084'!BV123","v":0},{"$f":"'SE FNMA 1084'!CR123","v":0}]
["k. Subtotal",null,null,null,{"$f":"SUM(E935:E940)+E933-SUM(E941:E942)-E934","v":0},{"$f":"SUM(F935:F940)+F933-SUM(F941:F942)-F934","v":0}]
["l. Less: Dividends Paid to Borrower",null,null,null,{"$f":"'SE FNMA 1084'!BV125","v":0},{"$f":"'SE FNMA 1084'!CR125","v":0}]
["m. Total Form 1120",null,null,null,{"$f":"E943-E944","v":0},{"$f":"F943-F944","v":0}]
["Sub-Total Section 11",null,null,null,{"$f":"E945","v":0},{"$f":"F945","v":0}]
[]
[" Cash Flow Analysis Summary",null,null,null,null,{"$f":"'SE FNMA 1084'!BF131","v":"Select Year"},null,{"$f":"'SE FNMA 1084'!BX131","v":"Select Year"}]
[]
[" Personal Cash Flow Totals",null,null,null,"Select Year","Amount","Select Year","Amount","Months","Qualifying Inc"]
[" 1. W-2 Income form Self Employment",null,null,null,false,{"$f":"IF(E951=TRUE,E853,0)","v":0},false,{"$f":"IF(G951=TRUE,F853,0)","v":0},{"$f":"IF(AND(E951=TRUE,G951=TRUE),24,IF(AND(E951=TRUE,G951=FALSE),12,IF(AND(E951=FALSE,G951=TRUE),12,\"\")))","v":""},{"$f":"IF(OR(I951=0,I951=\"\"),0,IF(AND(E951=TRUE,G951=TRUE),(F951+H951)/I951,IF(AND(E951=FALSE,G951=TRUE),H951/I951,IF(AND(E951=TRUE,G951=FALSE),F951/I951,0))))","v":0}]
[" 2. Schedule B - Interest & Ordinary Dividends",null,null,null,false,{"$f":"IF(E952=TRUE,E858,0)","v":0},false,{"$f":"IF(G952=TRUE,F858,0)","v":0},"",{"$f":"IF(OR(I952=0,I952=\"\"),0,IF(AND(E952=TRUE,G952=TRUE),(F952+H952)/I952,IF(AND(E952=FALSE,G952=TRUE),H952/I952,IF(AND(E952=TRUE,G952=FALSE),F952/I952,0))))","v":0}]
[" 3. Schedule C - Profit or Loss from Business",null,null,null,false,{"$f":"IF(E953=TRUE,E868,0)","v":0},false,{"$f":"IF(G953=TRUE,F868,0)","v":0},"",0]
[" 4. Schedule D - Capital Gains and Losses",null,null,null,false,{"$f":"IF(E954=TRUE,E873,0)","v":0},false,{"$f":"IF(G954=TRUE,F873,0)","v":0},"",0]
[" 5. Schedule E - Supplemental Income or Loss",null,null,null,false,{"$f":"IF(E955=TRUE,E879,0)","v":0},false,{"$f":"IF(G955=TRUE,F879,0)","v":0},"",0]
[" 6. Schedule F - Profit or Loss from Farming",null,null,null,false,{"$f":"IF(E956=TRUE,E888,0)","v":0},false,{"$f":"IF(G956=TRUE,F888,0)","v":0},"",0]
[" Partnership Cash Flow Totals"]
[" 7. Schedule K-1 (Form 1065)",null,null,null,false,{"$f":"E896","v":0},false,{"$f":"F896","v":0},{"$f":"IF(AND(E958=TRUE,G958=TRUE),24,IF(AND(E958=TRUE,G958=FALSE),12,IF(AND(E958=FALSE,G958=TRUE),12,\"\")))","v":""},0]
[" 8. Form 1065",null,null,null,false,{"$f":"E909","v":0},false,{"$f":"F909","v":0},{"$f":"IF(AND(E959=TRUE,G959=TRUE),24,IF(AND(E959=TRUE,G959=FALSE),12,IF(AND(E959=FALSE,G959=TRUE),12,\"\")))","v":""},0]
[" S-Corporation Cash Flow Totals",null,null,null,null,null,null,null,null,0]
[" 9. Schedule K-1 (Form 1120S)",null,null,null,false,{"$f":"E916","v":0},false,{"$f":"F916","v":0},{"$f":"IF(AND(E961=TRUE,G961=TRUE),24,IF(AND(E961=TRUE,G961=FALSE),12,IF(AND(E961=FALSE,G961=TRUE),12,\"\")))","v":""},0]
[" 10. Form 1120S",null,null,null,false,{"$f":"E928","v":0},false,{"$f":"F928","v":0},{"$f":"IF(AND(E962=TRUE,G962=TRUE),24,IF(AND(E962=TRUE,G962=FALSE),12,IF(AND(E962=FALSE,G962=TRUE),12,\"\")))","v":""},0]
[" Corporation Cash Flow Subtotals",null,null,null,null,null,null,null,null,0]
[" 11. Form 1120 - Regular Corporation",null,null,null,false,{"$f":"E946","v":0},false,{"$f":"F946","v":0},{"$f":"IF(AND(E964=TRUE,G964=TRUE),24,IF(AND(E964=TRUE,G964=FALSE),12,IF(AND(E964=FALSE,G964=TRUE),12,\"\")))","v":""},0]
[" Average Monthly Cash Flow",null,null,null,null,null,null,null,null,{"$f":"SUM(J951:J956)+SUM(J958:J959)+SUM(J961:J962)+J964","v":0}]
[]
[" YTD Profit & Loss Statement",null,null,null,null,{"$f":"'SE FNMA 1084'!CR172","v":"2020-09-25T16:34:53.890"}]
[" Salary/Draws to Individual",null,null,null,null,{"$f":"'SE FNMA 1084'!CR173","v":0}]
[" Net Profit X Percentage of Ownership",null,null,null,null,{"$f":"'SE FNMA 1084'!CR174","v":0}]
[" Total Allowable Addbacks X Percentage of Ownership",null,null,null,null,{"$f":"'SE FNMA 1084'!CR175","v":0}]
[" Year-to-Date Total",null,null,null,null,{"$f":"SUM(F968:F970)","v":0}]
[" Months Covered in Year-to-Date Total",null,null,null,null,{"$f":"IF(OR(F967=\"\",F967=0),\"\",ROUND((((F967-DATE(YEAR(F967),1,1))+1)/365)*12,1))","v":8.9}]
[" Average Monthly Income",null,null,null,null,{"$f":"IF(F972=0,0,F971/F972)","v":0}]
[]
[" Liquidity Worksheet",null,null,null,{"$f":"'SE FNMA 1084'!BK182","v":"Select Yr"},{"$f":"'SE FNMA 1084'!CB182","v":"Select Yr"},"Trend"]
[]
[" Schedule L – Assets"]
["   Cash  (Line 1, Column d)",null,null,null,{"$f":"'SE FNMA 1084'!BK185","v":0},{"$f":"'SE FNMA 1084'!CB185","v":0}]
["   Trade Notes & Accounts Receivable  (Line 2b, Column d)",null,null,null,{"$f":"'SE FNMA 1084'!BK186","v":0},{"$f":"'SE FNMA 1084'!CB186","v":0}]
["   Inventories  (Line 3, Column d)",null,null,null,{"$f":"'SE FNMA 1084'!BK187","v":0},{"$f":"'SE FNMA 1084'!CB187","v":0}]
[" Total Current Assets",null,null,null,{"$f":"SUM(E978:E980)","v":0},{"$f":"SUM(F978:F980)","v":0},{"$f":"IF(AND(E981=0,F981=0),\"\",IF(AND(E981=0,F981>0),\"N/A\",((F981-E981)/E981)/100))","v":""},{"$f":"IF(AND(E981=0,F981=0),\"\",IF(AND(E981=0,F981>0),\"N/A\",(F981-E981)/E981))","v":""}]
[]
[" Schedule L – Liabilities"]
["   Accounts Payable  (Line 16, Column d)",null,null,null,{"$f":"'SE FNMA 1084'!BK191","v":0},{"$f":"'SE FNMA 1084'!CB191","v":0}]
["   Mortgages notes bond payable less than one year",null,null,null,{"$f":"'SE FNMA 1084'!BK193","v":0},{"$f":"'SE FNMA 1084'!CB193","v":0}]
["   Other Current Liabilities  (Line 18, Column d)",null,null,null,{"$f":"'SE FNMA 1084'!BK194","v":0},{"$f":"'SE FNMA 1084'!CB194","v":0}]
[" Total Current Liabilities",null,null,null,{"$f":"SUM(E984:E986)","v":0},{"$f":"SUM(F984:F986)","v":0},{"$f":"IF(AND(E987=0,F987=0),\"\",IF(AND(E987=0,F987>0),\"N/A\",((F987-E987)/E987)/100))","v":""}]
[]
[" Current Ratio"]
["   Total Current Assets divided by Total Current Liabilities",null,null,null,{"$f":"IF(AND(E981>0,E987>0),(E981/E987)/100,0)","v":0},{"$f":"IF(F981>0,(F981/F987)/100,0)","v":0},{"$f":"IF(AND(E990=0,F990=0),\"\",IF(AND(E990=0,F990>0),F990,((F990-E990)/E990)/100))","v":""}]
[]
[" Quick Ratio"]
["   Current Assets divided by Current Liabilities",null,null,null,{"$f":"IF(AND(E981>0,E987>0),((E978+E979)/E987)/100,0)","v":0},{"$f":"IF(AND(F981>0,F987>0),((F978+F979)/F987)/100,0)","v":0},{"$f":"IF(AND(E993=0,F993=0),\"\",IF(AND(E993=0,F993>0),F993,((F993-E993)/E993)/100))","v":""}]
[]
[]
["SELF-EMPLOYED INCOME ANALYSIS  /  SAM METHOD"]
[]
[" Sections Sub-Totals",null,{"$f":"'SE SAM Method'!BW15","v":"Select Yr"},{"$f":"'SE SAM Method'!CS15","v":"Select Yr"}]
[]
["I. Form 1040 page 1",null,{"$f":"'SE SAM Method'!BV16","v":0},{"$f":"'SE SAM Method'!CR16","v":0}]
[]
["II. Form 1040 page 1 Other",null,{"$f":"SUM('SE SAM Method'!BV19:CH25)","v":0},{"$f":"SUM('SE SAM Method'!CR19:DD25)","v":0}]
[]
["III. Form 2016"]
["Business Miles",null,{"$f":"'SE SAM Method'!BV31","v":0},{"$f":"'SE SAM Method'!CR31","v":0}]
["Depreciation Rate",null,{"$f":"IF(OR(C998=\"Select Year\",C998<2014,C1005=0),0,VLOOKUP(C998,$C$37:$D$42,2,FALSE))","v":0},{"$f":"IF(OR(D998=\"Select Year\",D998<2014,D1005=0),0,VLOOKUP(D998,$C$37:$D$42,2,FALSE))","v":0}]
["Total Mileage Dep.",null,{"$f":"C1005*C1006","v":0},{"$f":"D1005*D1006","v":0}]
["SubTotal",null,{"$f":"'SE SAM Method'!BV29+'SE SAM Method'!BV30+'SE SAM Method'!BV33","v":0},{"$f":"'SE SAM Method'!CR29+'SE SAM Method'!CR30+'SE SAM Method'!CR33","v":0}]
[]
["IV. Schedule B",null,{"$f":"SUM('SE SAM Method'!BV37:CH38)","v":0},{"$f":"SUM('SE SAM Method'!CR37:DD38)","v":0}]
[]
["V. Schedule C"]
["Business Miles",null,{"$f":"'SE SAM Method'!BV48","v":0},{"$f":"'SE SAM Method'!CR48","v":0}]
["Depreciation Rate",null,{"$f":"IF(OR(C998=\"Select Year\",C998<2014,C1013=0),0,VLOOKUP(C998,$C$37:$D$42,2,FALSE))","v":0},{"$f":"IF(OR(D998=\"Select Year\",D998<2014,D1013=0),0,VLOOKUP(D998,$C$37:$D$42,2,FALSE))","v":0}]
["Total Mileage Dep.",null,{"$f":"C1013*C1014","v":0},{"$f":"D1013*D1014","v":0}]
["SubTotal",null,{"$f":"(SUM('SE SAM Method'!BV42:CH45)+'SE SAM Method'!BV47+'SE SAM Method'!BV50+'SE SAM Method'!BV51)-'SE SAM Method'!BV46","v":0},{"$f":"(SUM('SE SAM Method'!CR42:DD45)+'SE SAM Method'!CR47+'SE SAM Method'!CR50+'SE SAM Method'!CR51)-'SE SAM Method'!CR46","v":0}]
[]
["VI. Schedule D",null,{"$f":"'SE SAM Method'!BV55","v":0},{"$f":"'SE SAM Method'!CR55","v":0}]
[]
["VII. Form 6252",null,{"$f":"'SE SAM Method'!BV59","v":0},{"$f":"'SE SAM Method'!CR59","v":0}]
[]
["VIII. Schedule E",null,{"$f":"SUM('SE SAM Method'!BV63:CH65)","v":0},{"$f":"SUM('SE SAM Method'!CR63:DD65)","v":0}]
[]
["IX. Schdule F",null,{"$f":"SUM('SE SAM Method'!BV69:CH75)","v":0},{"$f":"SUM('SE SAM Method'!CR69:DD75)","v":0}]
[]
["Total"]
[]
[" Part 1: Schedule K-1"]
["X. Partnership K-1",null,{"$f":"SUM('SE SAM Method'!BV85:CH87)","v":0},{"$f":"SUM('SE SAM Method'!CR85:DD87)","v":0}]
[]
[" Part 2: Form 1065"]
["XI. Form 1065 Subtotal",null,{"$f":"SUM('SE SAM Method'!BV91:CH95)-(SUM('SE SAM Method'!BV97:CH98))","v":0},{"$f":"SUM('SE SAM Method'!CR91:DD95)-(SUM('SE SAM Method'!CR97:DD98))","v":0}]
["% of ownership",null,{"$f":"'SE SAM Method'!BV100","v":1},{"$f":"'SE SAM Method'!CR100","v":1}]
["Total",null,{"$f":"C1032*C1033","v":0},{"$f":"D1032*D1033","v":0}]
[]
[" Part 1: Schedule K-1"]
["X. S-Corp K-1",null,{"$f":"SUM('SE SAM Method'!BV110:CH111)","v":0},{"$f":"SUM('SE SAM Method'!CR110:DD111)","v":0}]
[]
[" Part 2: Form 1120-S"]
["XI. Form 1120-S Subtotal",null,{"$f":"SUM('SE SAM Method'!BV115:CH118)-SUM('SE SAM Method'!BV120:CH120,'SE SAM Method'!BV121:CH121)","v":0},{"$f":"SUM('SE SAM Method'!CR115:DD118)-SUM('SE SAM Method'!CR120:DD121)","v":0}]
["% of ownership",null,{"$f":"'SE SAM Method'!BV123","v":1},{"$f":"'SE SAM Method'!CR123","v":1}]
["Total",null,{"$f":"C1040*C1041","v":0},{"$f":"D1040*D1041","v":0}]
[]
[" XIV - Corporation"]
["XIV. Form 1120 Subtotal",null,{"$f":"SUM('SE SAM Method'!BV134:CH140)+'SE SAM Method'!BV132-SUM('SE SAM Method'!BV142:CH143)-'SE SAM Method'!BV133","v":0},{"$f":"SUM('SE SAM Method'!CR134:DD140)+'SE SAM Method'!CR132-SUM('SE SAM Method'!CR142:DD143)-'SE SAM Method'!CR133","v":0}]
["% of ownership",null,{"$f":"'SE SAM Method'!BV145","v":1},{"$f":"'SE SAM Method'!CR145","v":1}]
["Total",null,{"$f":"C1045*C1046","v":0},{"$f":"D1045*D1046","v":0}]
[]
[" Totals",null,null,{"$f":"'SE SAM Method'!BF151","v":"Select Yr"},null,{"$f":"'SE SAM Method'!BX151","v":"Select Yr"}]
["I - Form 1040 Self-Employed Wages",null,null,false,{"$f":"IF(D1050=TRUE,C1000,0)","v":0},false,{"$f":"IF(F1050=TRUE,D1000,0)","v":0},{"$f":"IF(AND(D1050=FALSE,F1050=TRUE),12,IF(AND(D1050=TRUE,F1050=FALSE),12,IF(AND(D1050=TRUE,F1050=TRUE),24,0)))","v":0},{"$f":"IF(H1050=0,0,(E1050+G1050)/H1050)","v":0}]
["II - Form 1040 Other Income",null,null,false,{"$f":"IF(D1051=TRUE,C1002,0)","v":0},false,{"$f":"IF(F1051=TRUE,D1002,0)","v":0},{"$f":"IF(AND(D1051=FALSE,F1051=TRUE),12,IF(AND(D1051=TRUE,F1051=FALSE),12,IF(AND(D1051=TRUE,F1051=TRUE),24,0)))","v":0},{"$f":"IF(H1051=0,0,(E1051+G1051)/H1051)","v":0}]
["III - Form 2106 (exclude if entering on 1003)",null,null,false,{"$f":"IF(D1052=TRUE,C1008,0)","v":0},false,{"$f":"IF(F1052=TRUE,D1008,0)","v":0},0,0]
["IV - Schedule B",null,null,false,{"$f":"IF(D1053=TRUE,C1010,0)","v":0},false,{"$f":"IF(F1053=TRUE,D1010,0)","v":0},0,0]
["V - Schedule C",null,null,false,{"$f":"IF(D1054=TRUE,C1016,0)","v":0},false,{"$f":"IF(F1054=TRUE,D1016,0)","v":0},0,0]
["VI - Schedule D",null,null,false,{"$f":"IF(D1055=TRUE,C1018,0)","v":0},false,{"$f":"IF(F1055=TRUE,D1018,0)","v":0},0,0]
["VII - Form 6252",null,null,false,{"$f":"IF(D1056=TRUE,C1020,0)","v":0},false,{"$f":"IF(F1056=TRUE,D1020,0)","v":0},0,0]
["VIII - Schedule E",null,null,false,{"$f":"IF(D1057=TRUE,C1022,0)","v":0},false,{"$f":"IF(F1057=TRUE,D1022,0)","v":0},0,0]
["IX - Schedule F",null,null,false,{"$f":"IF(D1058=TRUE,C1024,0)","v":0},false,{"$f":"IF(F1058=TRUE,D1024,0)","v":0},{"$f":"IF(AND(D1058=FALSE,F1058=TRUE),12,IF(AND(D1058=TRUE,F1058=FALSE),12,IF(AND(D1058=TRUE,F1058=TRUE),24,0)))","v":0},0]
["X - Schedule K-1 (Form 1065)",null,null,false,{"$f":"IF(D1059=TRUE,C1029,0)","v":0},false,{"$f":"IF(F1059=TRUE,D1029,0)","v":0},0,0]
["XI - Form 1065",null,null,false,{"$f":"IF(D1060=TRUE,C1034,0)","v":0},false,{"$f":"IF(F1060=TRUE,D1034,0)","v":0},0,0]
["XII - Schedule K-1 (Form 1120S)",null,null,false,{"$f":"IF(D1061=TRUE,C1037,0)","v":0},false,{"$f":"IF(F1061=TRUE,D1037,0)","v":0},0,0]
["XIII - Form 1120S",null,null,false,{"$f":"IF(D1062=TRUE,C1042,0)","v":0},false,{"$f":"IF(F1062=TRUE,D1042,0)","v":0},0,0]
["XIV - Form 1120",null,null,false,{"$f":"IF(D1063=TRUE,C1047,0)","v":0},false,{"$f":"IF(F1063=TRUE,D1047,0)","v":0},0,0]
[" Grand Total",null,null,null,null,null,null,null,{"$f":"SUM(I1050:I1063)","v":0}]
[]
[" Year to Date Profit & Loss",null,null,null,{"$f":"'SE SAM Method'!CR199","v":"2020-09-25"}]
["Salary/Draws to Individual",null,null,null,{"$f":"'SE SAM Method'!CR200","v":0}]
["Net Profit X Percentage of Ownership",null,null,null,{"$f":"'SE SAM Method'!CR201","v":0}]
["Total Allowable Addbacks X % of Ownership",null,null,null,{"$f":"'SE SAM Method'!CR202","v":0}]
["Year-to-Date Total",null,null,null,{"$f":"SUM(E1067:E1069)","v":0}]
[" Months Covered in Year-to-Date Total",null,null,null,{"$f":"IF(OR('SE SAM Method'!CR199=\"\",'SE SAM Method'!CR199=0),\"\",ROUND(((('SE SAM Method'!CR199-DATE(YEAR('SE SAM Method'!CR199),1,1))+1)/365)*12,1))","v":8.8000000000000007}]
[" Average Monthly Income",null,null,null,{"$f":"E1070/E1071","v":0}]
[]
[" Liquidity Worksheet",null,null,null,{"$f":"#REF!","v":{"$error":"#REF!"}},{"$f":"#REF!","v":{"$error":"#REF!"}},"Trend"]
[]
[" Schedule L – Assets"]
["  Cash  (Line 1, Column d)",null,null,null,{"$f":"'SE SAM Method'!BK211","v":0},{"$f":"'SE SAM Method'!CB211","v":0}]
["  Trade Notes & Accounts Receivable  (Line 2b, Column d)",null,null,null,{"$f":"'SE SAM Method'!BK212","v":0},{"$f":"'SE SAM Method'!CB212","v":0}]
["  Inventories  (Line 3, Column d)",null,null,null,{"$f":"'SE SAM Method'!BK213","v":0},{"$f":"'SE SAM Method'!CB213","v":0}]
[" Total Current Assets",null,null,null,{"$f":"SUM(E1077:E1079)","v":0},{"$f":"SUM(F1077:F1079)","v":0},{"$f":"IF(AND(E1080=0,F1080=0),\"\",IF(AND(E1080=0,F1080>0),\"N/A\",(F1080-E1080)/E1080))","v":""}]
[]
[" Schedule L – Liabilities"]
["  Accounts Payable  (Line 16, Column d)",null,null,null,{"$f":"'SE SAM Method'!BK217","v":0},{"$f":"'SE SAM Method'!CB217","v":0}]
["  Mortgages, notes, bond payable < 1 year",null,null,null,{"$f":"'SE SAM Method'!BK219","v":0},{"$f":"'SE SAM Method'!CB219","v":0}]
["  Other Current Liabilities  (Line 18, Column d)",null,null,null,{"$f":"'SE SAM Method'!BK220","v":0},{"$f":"'SE SAM Method'!CB220","v":0}]
[" Total Current Liabilities",null,null,null,{"$f":"SUM(E1083:E1085)","v":0},{"$f":"SUM(F1083:F1085)","v":0},{"$f":"IF(AND(E1086=0,F1086=0),\"\",IF(AND(E1086=0,F1086>0),\"N/A\",(F1086-E1086)/E1086))","v":""}]
[]
[" Current Ratio - Total Assets ÷ Total Liabilities",null,null,null,{"$f":"IF(E1086>0,E1080/E1086,0)","v":0},{"$f":"IF(F1086>0,F1080/F1086,0)","v":0},{"$f":"IF(AND(E1088=0,F1088=0),\"\",IF(AND(E1088=0,F1088>0),F1088,(F1088-E1088)/E1088))","v":""}]
[]
[" Quick Ratio - Current Assets ÷ Current Liabilities",null,null,null,{"$f":"IF(E1086>0,(E1077+E1078)/E1086,0)","v":0},{"$f":"IF(F1086>0,(F1077+F1078)/F1086,0)","v":0},{"$f":"IF(AND(E1090=0,F1090=0),\"\",IF(AND(E1090=0,F1090>0),F1090,(F1090-E1090)/E1090))","v":""}]
[]
["SCHEDULE C  —  BUSINESS #1"]
[]
[" Business #1",null,{"$f":"'Schedule C'!BV12","v":"Select Year"},{"$f":"'Schedule C'!CL12","v":"Select Year"}]
[" Business Miles",null,{"$f":"'Schedule C'!BV20","v":0},{"$f":"'Schedule C'!CL20","v":0}]
[" Addback Factor",null,{"$f":"IF(C1094<>\"Select Year\",VLOOKUP(C1094,C37:D42,2,FALSE),0)","v":0},{"$f":"IF(D1094<>\"Select Year\",VLOOKUP(D1094,C37:D42,2,FALSE),0)","v":0}]
[" Addback Amount",null,{"$f":"C1095*C1096","v":0},{"$f":"D1095*D1096","v":0}]
[]
[" Business #1",null,{"$f":"'Schedule C'!BV12","v":"Select Year"},{"$f":"'Schedule C'!CL12","v":"Select Year"}]
[" Include in calcs",null,false,false]
[" Sub-Total",null,{"$f":"IF(C1100=TRUE,'Schedule C'!BV24,0)","v":0},{"$f":"IF(D1100=TRUE,'Schedule C'!CL24,0)","v":0}]
[" Grand Total",null,{"$f":"IF(AND(C1101=0,D1101=0),\"\",SUM(C1101:D1101))","v":""}]
[" Months included",null,{"$f":"IF(C1100=TRUE,12,0)","v":0},{"$f":"IF(D1100=TRUE,12,0)","v":0}]
[" Total Months Combined",null,{"$f":"+'Schedule C'!BV26","v":""},null,{"$f":"IF(AND(C1103=0,D1103=0),\"\",C1103+D1103)","v":""}]
[" Message",null,{"$f":"IF(AND(C1100=FALSE,D1100=FALSE),\" Grand Total Income\",IF(AND(C1100=TRUE,D1100=TRUE),CONCATENATE(\" Grand Total Income - Years \",C1099,\" and \",D1099),IF(AND(C1100=TRUE,D1100=FALSE),CONCATENATE(\" Grand Total Income - Year \",C1099,\" (excluding year \",D1099,\")\"),IF(AND(C1100=FALSE,D1100=TRUE),CONCATENATE(\" Grand Total Income - Year \",D1099,\" (excluding year \",C1099,\")\")))))","v":" Grand Total Income"}]
[" Total Average S/E Income",null,{"$f":"IF(C1104=\"\",\"\",IF(C1104=0,0,ROUND(C1102/C1104,0)))","v":""}]
[]
[" Statistics",null,{"$f":"D1101-C1101","v":0},{"$f":"IF(C1101=0,0,ABS(IF(D1101>C1101,((D1101-C1101)/C1101)*100,((C1101-D1101)/C1101)*100)))","v":0}]
[" Statistics Message Part 1",null,{"$f":"IF(OR(C1101=0,C1101=0),\"\",\"Statistics on Total Income/Loss:\")","v":""}]
[" Statistics Message Part 2",null,{"$f":"IF(OR(C1101=0,D1101=0),\"\",(CONCATENATE(DOLLAR(C1101,0),\" to \",DOLLAR(D1101,0),\" = \",ABS(FIXED(D1108,1)),\"% \",IF(D1101>C1101,\"Increase\",\"Decrease\"))))","v":""}]
[" Statistics Final Message",null,{"$f":"CONCATENATE(C1109,\"  \",C1110)","v":"  "}]
[]
["SCHEDULE C  —  BUSINESS #2"]
[]
[" Business #2",null,{"$f":"'Schedule C'!BV37","v":"Select Year"},{"$f":"'Schedule C'!CL37","v":"Select Year"}]
[" Business Miles",null,{"$f":"'Schedule C'!BV45","v":0},{"$f":"'Schedule C'!CL45","v":0}]
[" Addback Factor",null,{"$f":"IF(C1115<>\"Select Year\",VLOOKUP(C1115,C37:D42,2,FALSE),0)","v":0},{"$f":"IF(D1115<>\"Select Year\",VLOOKUP(D1115,C37:D42,2,FALSE),0)","v":0}]
[" Addback Amount",null,{"$f":"C1116*C1117","v":0},{"$f":"D1116*D1117","v":0}]
[]
[" Business #2",null,{"$f":"'Schedule C'!BV37","v":"Select Year"},{"$f":"'Schedule C'!CL37","v":"Select Year"}]
[" Include in calcs",null,false,false]
[" Sub-Total",null,{"$f":"IF(C1121=TRUE,'Schedule C'!BV49,0)","v":0},{"$f":"IF(D1121=TRUE,'Schedule C'!CL49,0)","v":0}]
[" Grand Total",null,{"$f":"IF(AND(C1122=0,D1122=0),\"\",SUM(C1122:D1122))","v":""}]
[" Months included",null,{"$f":"IF(C1121=TRUE,12,0)","v":0},{"$f":"IF(D1121=TRUE,12,0)","v":0}]
[" Total Months Combined",null,{"$f":"IF(AND(C1124=0,D1124=0),\"\",C1124+D1124)","v":""}]
[" Message",null,{"$f":"IF(AND(C1121=FALSE,D1121=FALSE),\" Grand Total Income\",IF(AND(C1121=TRUE,D1121=TRUE),CONCATENATE(\" Grand Total Income - Years \",C1120,\" and \",D1120),IF(AND(C1121=TRUE,D1121=FALSE),CONCATENATE(\" Grand Total Income - Year \",C1120,\" (excluding year \",D1120,\")\"),IF(AND(C1121=FALSE,D1121=TRUE),CONCATENATE(\" Grand Total Income - Year \",D1120,\" (excluding year \",C1120,\")\")))))","v":" Grand Total Income"}]
[" Total Average S/E Income",null,{"$f":"IF(C1125=\"\",\"\",IF(C1125=0,0,ROUND(C1123/C1125,0)))","v":""}]
[]
[" Statistics",null,{"$f":"D1122-C1122","v":0},{"$f":"IF(C1122=0,0,ABS(IF(D1122>C1122,((D1122-C1122)/C1122)*100,((C1122-D1122)/C1122)*100)))","v":0}]
[" Statistics Message Part 1",null,{"$f":"IF(OR(C1122=0,C1122=0),\"\",\"Statistics on Total Income/Loss:\")","v":""}]
[" Statistics Message Part 2",null,{"$f":"IF(OR(C1122=0,D1122=0),\"\",(CONCATENATE(DOLLAR(C1122,0),\" to \",DOLLAR(D1122,0),\" = \",ABS(FIXED(D1129,1)),\"% \",IF(D1122>C1122,\"Increase\",\"Decrease\"))))","v":""}]
[" Statistics Final Message",null,{"$f":"CONCATENATE(C1130,\"  \",C1131)","v":"  "}]
[]
["FNMA 1037"]
[]
[" Step 1 - Number of Months",null,{"$f":"'Rental - FNMA 1037'!BV12","v":"Select Year"},{"$f":"'Rental - FNMA 1037'!CL12","v":"Select Year"}]
[" Number of months",null,{"$f":"'Rental - FNMA 1037'!BV13","v":0},{"$f":"'Rental - FNMA 1037'!CL13","v":0}]
[]
[" Step 2A - Tax Returns",null,{"$f":"'Rental - FNMA 1037'!BV12","v":"Select Year"},{"$f":"'Rental - FNMA 1037'!CL12","v":"Select Year"}]
[" Total rents received",null,{"$f":"'Rental - FNMA 1037'!BV19","v":0},{"$f":"'Rental - FNMA 1037'!CL19","v":0},null,"\\ Enter Total rents received (from the non-owner-occupied units combined)"]
[" Total expenses",null,{"$f":"'Rental - FNMA 1037'!BV20","v":0},{"$f":"'Rental - FNMA 1037'!CL20","v":0},null,"\\ Subtract total expenses"]
[" Insurance expense",null,{"$f":"'Rental - FNMA 1037'!BV21","v":0},{"$f":"'Rental - FNMA 1037'!CL21","v":0},null,"\\ Add back insurance expense"]
[" Mortgage interest expense",null,{"$f":"'Rental - FNMA 1037'!BV22","v":0},{"$f":"'Rental - FNMA 1037'!CL22","v":0},null,"\\ Add back mortgage interest paid"]
[" Tax expense",null,{"$f":"'Rental - FNMA 1037'!BV23","v":0},{"$f":"'Rental - FNMA 1037'!CL23","v":0},null,"\\ Add back tax expense"]
[" HOA",null,{"$f":"'Rental - FNMA 1037'!BV24","v":0},{"$f":"'Rental - FNMA 1037'!CL24","v":0},null,"\\ Add back homeowner's association dues"]
[" Depreciation exp/depletion",null,{"$f":"'Rental - FNMA 1037'!BV26","v":0},{"$f":"'Rental - FNMA 1037'!CL26","v":0},null,"\\ Add back depreciation expense or depletion"]
[" One time expenses",null,{"$f":"'Rental - FNMA 1037'!BV27","v":0},{"$f":"'Rental - FNMA 1037'!CL27","v":0},null,"\\ Add back any one-time extraordinary expense (e.g. casualty loss)"]
[" Adjusted rental income",null,{"$f":"(C1140+SUM(C1142:C1147))-C1141","v":0},{"$f":"(D1140+SUM(D1142:D1147))-D1141","v":0},null,"\\ Total adjusted rental income"]
[" Number of Months",null,{"$f":"C1137","v":0},{"$f":"D1137","v":0},null,"\\ Number of months to be used in calculations"]
[" Qualifying rental income",null,null,{"$f":"IF(C1149+D1149=0,0,(C1148+D1148)/(C1149+D1149))","v":0},null,"\\ Total qualifying monthly rental income included in calculations"]
[" Message",null,{"$f":"CONCATENATE(\" Step 2A Result: Monthly qualifying rental income (or loss) \",(C1149+D1149),\" mo avg.\")","v":" Step 2A Result: Monthly qualifying rental income (or loss) 0 mo avg."}]
[]
[" Step 2B - Rental Lease",null,null,{"$f":"'Rental - FNMA 1037'!CL32","v":"Select Year"}]
[" Gross Monthly Rent",null,null,{"$f":"'Rental - FNMA 1037'!CL34","v":0},null,"\\ Gross monthly rent from lease agreement or market rent from Form 1025"]
[" Percentage of Gross Rents",null,null,0.75,null,"\\ 75% (amount of gross monthly rent to be used, remaining 25% for vacancy factor)"]
[" Calculated Gross Rents",null,null,{"$f":"IF(D1154>0,ROUND(D1154*D1155,0),0)","v":0},null,"\\ Monthly qualifying gross monthly rent from all non-owner-occuped rental units (excluding rental unit to be occupied by borrower)"]
[]
[" Step 3 - Final calcs"]
[" Monthly qualifying rental inc",null,null,{"$f":"MAX(D1150,D1156)","v":0}]
[" Full PITIA",null,null,{"$f":"'Rental - FNMA 1037'!CL44","v":0}]
[]
["FNMA 1038 (single)"]
[]
[" Step 1 - Number of Months",null,{"$f":"'Rental - FNMA 1038 (single)'!BV12","v":"Select Year"},{"$f":"'Rental - FNMA 1038 (single)'!CL12","v":"Select Year"}]
[" Number of months",null,{"$f":"'Rental - FNMA 1038 (single)'!BV13","v":0},{"$f":"'Rental - FNMA 1038 (single)'!CL13","v":0}]
[]
[" Step 2A - Tax Returns",null,{"$f":"'Rental - FNMA 1038 (single)'!BV12","v":"Select Year"},{"$f":"'Rental - FNMA 1038 (single)'!CL12","v":"Select Year"}]
[" Total rents received",null,{"$f":"'Rental - FNMA 1038 (single)'!BV19","v":0},{"$f":"'Rental - FNMA 1038 (single)'!CL19","v":0}]
[" Total expenses",null,{"$f":"'Rental - FNMA 1038 (single)'!BV20","v":0},{"$f":"'Rental - FNMA 1038 (single)'!CL20","v":0}]
[" Insurance expense",null,{"$f":"'Rental - FNMA 1038 (single)'!BV21","v":0},{"$f":"'Rental - FNMA 1038 (single)'!CL21","v":0}]
[" Mortgage interest paid",null,{"$f":"'Rental - FNMA 1038 (single)'!BV22","v":0},{"$f":"'Rental - FNMA 1038 (single)'!CL22","v":0}]
[" Tax expense",null,{"$f":"'Rental - FNMA 1038 (single)'!BV23","v":0},{"$f":"'Rental - FNMA 1038 (single)'!CL23","v":0}]
[" HOA dues",null,{"$f":"'Rental - FNMA 1038 (single)'!BV24","v":0},{"$f":"'Rental - FNMA 1038 (single)'!CL24","v":0}]
[" Depreciation exp/depletion",null,{"$f":"'Rental - FNMA 1038 (single)'!BV26","v":0},{"$f":"'Rental - FNMA 1038 (single)'!CL26","v":0}]
[" One time expenses",null,{"$f":"'Rental - FNMA 1038 (single)'!BV27","v":0},{"$f":"'Rental - FNMA 1038 (single)'!CL27","v":0}]
[" Adjusted rental income",null,{"$f":"(C1168+SUM(C1170:C1175))-C1169","v":0},{"$f":"(D1168+SUM(D1170:D1175))-D1169","v":0}]
[" Number of Months",null,{"$f":"C1165","v":0},{"$f":"D1165","v":0}]
[" Adjusted monthly rental income",null,null,{"$f":"IF(C1177+D1177=0,0,(C1176+D1176)/(C1177+D1177))","v":0}]
[" Proposed PITIA",null,null,{"$f":"'Rental - FNMA 1038 (single)'!CL32","v":0}]
[" Monthly qualifying rental inc",null,null,{"$f":"D1178-D1179","v":0}]
[" Message",null,{"$f":"CONCATENATE(\" Step 2A Result: Monthly qualifying rental income (or loss) \",(C1177+D1177),\" mo avg.\")","v":" Step 2A Result: Monthly qualifying rental income (or loss) 0 mo avg."}]
[]
[" Step 2B - Rental Lease",null,null,{"$f":"'Rental - FNMA 1038 (single)'!CL34","v":"Select Year"}]
[" Gross Monthly Rent",null,null,{"$f":"'Rental - FNMA 1038 (single)'!CL36","v":0}]
[" Percentage of Gross Rents",null,null,0.75]
[" Calculated Gross Rents",null,null,{"$f":"IF(D1184>0,ROUND(D1184*D1185,0),0)","v":0}]
[" Proposed PITIA",null,null,{"$f":"'Rental - FNMA 1038 (single)'!CL41","v":0}]
[" Monthly qualifying rental inc",null,null,{"$f":"D1186-D1187","v":0}]
[]
[" Postive results (income)",null,null,{"$f":"IF(AND(D1180=0,D1188=0),0,IF(MAX(D1180,D1188)>0,MAX(D1180,D1188)))","v":0}]
[" Negative results (loss)",null,null,{"$f":"IF(AND(D1180=0,D1188=0),0,IF(MAX(D1180,D1188)<0,MAX(D1180,D1188)))","v":0}]
[]
["FNMA 1038 (multiple)"]
[]
[" Prop 1 - Number of Months",null,{"$f":"'Rental - FNMA 1038 (multiple)'!AH15","v":"Select Year"},{"$f":"'Rental - FNMA 1038 (multiple)'!AT15","v":"Select Year"}]
[" Number of months",null,{"$f":"'Rental - FNMA 1038 (multiple)'!AH16","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!AT16","v":0}]
[]
[" Prop 1 - Tax Returns",null,{"$f":"'Rental - FNMA 1038 (multiple)'!AH15","v":"Select Year"},{"$f":"'Rental - FNMA 1038 (multiple)'!AT15","v":"Select Year"}]
[" Total rents received",null,{"$f":"'Rental - FNMA 1038 (multiple)'!AH24","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!AT24","v":0}]
[" Total expenses",null,{"$f":"'Rental - FNMA 1038 (multiple)'!AH25","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!AT25","v":0}]
[" Insurance expense",null,{"$f":"'Rental - FNMA 1038 (multiple)'!AH26","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!AT26","v":0}]
[" Mortgage interest paid",null,{"$f":"'Rental - FNMA 1038 (multiple)'!AH27","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!AT27","v":0}]
[" Tax expense",null,{"$f":"'Rental - FNMA 1038 (multiple)'!AH28","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!AT28","v":0}]
[" HOA dues",null,{"$f":"'Rental - FNMA 1038 (multiple)'!AH29","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!AT29","v":0}]
[" Depreciation exp/depletion",null,{"$f":"'Rental - FNMA 1038 (multiple)'!AH32","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!AT32","v":0}]
[" One time expenses",null,{"$f":"'Rental - FNMA 1038 (multiple)'!AH33","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!AT33","v":0}]
[" Adjusted rental income",null,{"$f":"(C1199+SUM(C1201:C1206))-C1200","v":0},{"$f":"(D1199+SUM(D1201:D1206))-D1200","v":0}]
[" Number of Months",null,{"$f":"C1196","v":0},{"$f":"D1196","v":0}]
[" Adjusted monthly rental income",null,null,{"$f":"IF(C1208+D1208=0,0,(C1207+D1207)/(C1208+D1208))","v":0}]
[" Proposed PITIA",null,null,{"$f":"'Rental - FNMA 1038 (multiple)'!AH40","v":0}]
[" Monthly qualifying rental inc",null,null,{"$f":"D1209-D1210","v":0}]
[]
[" Prop 1 - Rental Lease",null,null,{"$f":"'Rental - FNMA 1038 (multiple)'!BR46","v":"Select Year"}]
[" Gross Monthly Rent",null,null,{"$f":"'Rental - FNMA 1038 (multiple)'!BR47","v":0}]
[" Percentage of Gross Rents",null,null,0.75]
[" Calculated Gross Rents",null,null,{"$f":"IF(D1214>0,ROUND(D1214*D1215,0),0)","v":0}]
[" Proposed PITIA",null,null,{"$f":"+'Rental - FNMA 1038 (multiple)'!BR51","v":0}]
[" Monthly qualifying rental inc",null,null,{"$f":"D1216-D1217","v":0}]
[]
[" Postive results (income)",null,null,{"$f":"IF(AND(D1211=0,D1218=0),0,IF(MAX(D1211,D1218)>0,MAX(D1211,D1218),MAX(D1211,D1218)))","v":0},{"$f":"IF(AND(D1211=0,D1218=0),0,IF(MAX(D1211,D1218)>0,MAX(D1211,D1218),0))","v":0}]
[" Negative results (loss)",null,null,{"$f":"IF(AND(D1211=0,D1218=0),0,IF(MAX(D1211,D1218)<0,MAX(D1211,D1218),0))","v":0}]
[]
[]
[" Prop 2 - Number of Months",null,{"$f":"'Rental - FNMA 1038 (multiple)'!BF15","v":"Select Year"},{"$f":"'Rental - FNMA 1038 (multiple)'!BR15","v":"Select Year"}]
[" Number of months",null,{"$f":"'Rental - FNMA 1038 (multiple)'!BF16","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!BR16","v":0}]
[]
[" Prop 2 - Tax Returns",null,{"$f":"'Rental - FNMA 1038 (multiple)'!BF15","v":"Select Year"},{"$f":"'Rental - FNMA 1038 (multiple)'!BR15","v":"Select Year"}]
[" Total rents received",null,{"$f":"'Rental - FNMA 1038 (multiple)'!BF24","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!BR24","v":0}]
[" Total expenses",null,{"$f":"'Rental - FNMA 1038 (multiple)'!BF25","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!BR25","v":0}]
[" Insurance expense",null,{"$f":"'Rental - FNMA 1038 (multiple)'!BF26","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!BR26","v":0}]
[" Mortgage interest paid",null,{"$f":"'Rental - FNMA 1038 (multiple)'!BF27","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!BR27","v":0}]
[" Tax expense",null,{"$f":"'Rental - FNMA 1038 (multiple)'!BF28","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!BR28","v":0}]
[" HOA dues",null,{"$f":"'Rental - FNMA 1038 (multiple)'!BF29","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!BR29","v":0}]
[" Depreciation exp/depletion",null,{"$f":"'Rental - FNMA 1038 (multiple)'!BF32","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!BR32","v":0}]
[" One time expenses",null,{"$f":"'Rental - FNMA 1038 (multiple)'!BF33","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!BR33","v":0}]
[" Adjusted rental income",null,{"$f":"(C1228+SUM(C1230:C1235))-C1229","v":0},{"$f":"(D1228+SUM(D1230:D1235))-D1229","v":0}]
[" Number of Months",null,{"$f":"C1225","v":0},{"$f":"D1225","v":0}]
[" Adjusted monthly rental income",null,null,{"$f":"IF(C1237+D1237=0,0,(C1236+D1236)/(C1237+D1237))","v":0}]
[" Proposed PITIA",null,null,{"$f":"'Rental - FNMA 1038 (multiple)'!BF40","v":0}]
[" Monthly qualifying rental inc",null,null,{"$f":"D1238-D1239","v":0}]
[]
[" Prop 2 - Rental Lease",null,null,{"$f":"'Rental - FNMA 1038 (multiple)'!CD46","v":"Select Year"}]
[" Gross Monthly Rent",null,null,{"$f":"'Rental - FNMA 1038 (multiple)'!CD47","v":0}]
[" Percentage of Gross Rents",null,null,0.75]
[" Calculated Gross Rents",null,null,{"$f":"IF(D1243>0,ROUND(D1243*D1244,0),0)","v":0}]
[" Proposed PITIA",null,null,{"$f":"'Rental - FNMA 1038 (multiple)'!CD51","v":0}]
[" Monthly qualifying rental inc",null,null,{"$f":"D1245-D1246","v":0}]
[]
[" Postive results (income)",null,null,{"$f":"IF(AND(D1240=0,D1247=0),0,IF(MAX(D1240,D1247)>0,MAX(D1240,D1247),0))","v":0}]
[" Negative results (loss)",null,null,{"$f":"IF(AND(D1240=0,D1247=0),0,IF(MAX(D1240,D1247)<0,MAX(D1240,D1247),0))","v":0}]
[]
[]
[" Prop 3 - Number of Months",null,{"$f":"'Rental - FNMA 1038 (multiple)'!CD15","v":"Select Year"},{"$f":"'Rental - FNMA 1038 (multiple)'!CP15","v":"Select Year"}]
[" Number of months",null,{"$f":"'Rental - FNMA 1038 (multiple)'!CD16","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!CP16","v":0}]
[]
[" Prop 3 - Tax Returns",null,{"$f":"'Rental - FNMA 1038 (multiple)'!CD15","v":"Select Year"},{"$f":"'Rental - FNMA 1038 (multiple)'!CP15","v":"Select Year"}]
[" Total rents received",null,{"$f":"'Rental - FNMA 1038 (multiple)'!CD24","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!CP24","v":0}]
[" Total expenses",null,{"$f":"'Rental - FNMA 1038 (multiple)'!CD25","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!CP25","v":0}]
[" Insurance expense",null,{"$f":"'Rental - FNMA 1038 (multiple)'!CD26","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!CP26","v":0}]
[" Mortgage interest paid",null,{"$f":"'Rental - FNMA 1038 (multiple)'!CD27","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!CP27","v":0}]
[" Tax expense",null,{"$f":"'Rental - FNMA 1038 (multiple)'!CD28","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!CP28","v":0}]
[" HOA dues",null,{"$f":"'Rental - FNMA 1038 (multiple)'!CD29","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!CP29","v":0}]
[" Depreciation exp/depletion",null,{"$f":"'Rental - FNMA 1038 (multiple)'!CD32","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!CP32","v":0}]
[" One time expenses",null,{"$f":"'Rental - FNMA 1038 (multiple)'!CD33","v":0},{"$f":"'Rental - FNMA 1038 (multiple)'!CP33","v":0}]
[" Adjusted rental income",null,{"$f":"(C1257+SUM(C1259:C1264))-C1258","v":0},{"$f":"(D1257+SUM(D1259:D1264))-D1258","v":0}]
[" Number of Months",null,{"$f":"C1254","v":0},{"$f":"D1254","v":0}]
[" Adjusted monthly rental income",null,null,{"$f":"IF(C1266+D1266=0,0,(C1265+D1265)/(C1266+D1266))","v":0}]
[" Proposed PITIA",null,null,{"$f":"'Rental - FNMA 1038 (multiple)'!CD40","v":0}]
[" Monthly qualifying rental inc",null,null,{"$f":"D1267-D1268","v":0}]
[]
[" Prop 3 - Rental Lease",null,null,{"$f":"'Rental - FNMA 1038 (multiple)'!CP46","v":"Select Year"}]
[" Gross Monthly Rent",null,null,{"$f":"'Rental - FNMA 1038 (multiple)'!CP47","v":0}]
[" Percentage of Gross Rents",null,null,0.75]
[" Calculated Gross Rents",null,null,{"$f":"IF(D1272>0,ROUND(D1272*D1273,0),0)","v":0}]
[" Proposed PITIA",null,null,{"$f":"'Rental - FNMA 1038 (multiple)'!CP51","v":0}]
[" Monthly qualifying rental inc",null,null,{"$f":"D1274-D1275","v":0}]
[]
[" Postive results (income)",null,null,{"$f":"IF(AND(D1269=0,D1276=0),0,IF(MAX(D1269,D1276)>0,MAX(D1269,D1276),0))","v":0}]
[" Negative results (loss)",null,null,{"$f":"IF(AND(D1269=0,D1276=0),0,IF(MAX(D1269,D1276)<0,MAX(D1269,D1276),0))","v":0}]
[]
[]
[" Final Combined Results"]
[" Postive results (income)",null,null,{"$f":"D1218+D1247+D1276","v":0},{"$f":"D1220+D1249+D1278","v":0}]
[" Negative results (loss)",null,null,{"$f":"D1221+D1250+D1279","v":0}]
[]
["FHLMC 92 - I & II"]
[]
[" Property transaction type",null,"< Click here to select from drop down options >"]
[null,null,"I.  Rental Income is from the subject property which is a 2-4 Unit Primary Residence"]
[null,null,"II.  Rental income is from the subject property which is an Investment Propery"]
[null,null,"III.  Rental income is from an investment property which is NOT the subject property"]
[]
[" Option selected",null,{"$f":"'Rental - FHLMC 92 - I & II'!C13","v":"< Click here to select from drop down options >"}]
[" Option selected number",null,{"$f":"IF(C1293=C1289,1,IF(C1293=C1290,2,IF(C1293=C1291,3,0)))","v":0}]
[]
[" Number of Months",null,{"$f":"'Rental - FHLMC 92 - I & II'!BV15","v":"Select Year"},{"$f":"'Rental - FHLMC 92 - I & II'!CL15","v":"Select Year"}]
[" Number of months",null,{"$f":"'Rental - FHLMC 92 - I & II'!BV16","v":0},{"$f":"'Rental - FHLMC 92 - I & II'!CL16","v":0}]
[]
[" Tax Returns",null,{"$f":"'Rental - FHLMC 92 - I & II'!BV15","v":"Select Year"},{"$f":"'Rental - FHLMC 92 - I & II'!CL15","v":"Select Year"}]
[" Total rents received",null,{"$f":"'Rental - FHLMC 92 - I & II'!BV19","v":0},{"$f":"'Rental - FHLMC 92 - I & II'!CL19","v":0}]
[" Total expenses",null,{"$f":"'Rental - FHLMC 92 - I & II'!BV20","v":0},{"$f":"'Rental - FHLMC 92 - I & II'!CL20","v":0}]
[" Insurance expense",null,{"$f":"'Rental - FHLMC 92 - I & II'!BV21","v":0},{"$f":"'Rental - FHLMC 92 - I & II'!CL21","v":0}]
[" Mortgage interest paid",null,{"$f":"'Rental - FHLMC 92 - I & II'!BV23","v":0},{"$f":"'Rental - FHLMC 92 - I & II'!CL23","v":0}]
[" Tax expense",null,{"$f":"'Rental - FHLMC 92 - I & II'!BV25","v":0},{"$f":"'Rental - FHLMC 92 - I & II'!CL25","v":0}]
[" HOA dues",null,{"$f":"'Rental - FHLMC 92 - I & II'!BV28","v":0},{"$f":"'Rental - FHLMC 92 - I & II'!CL28","v":0}]
[" Depreciation exp/depletion",null,{"$f":"'Rental - FHLMC 92 - I & II'!BV29","v":0},{"$f":"'Rental - FHLMC 92 - I & II'!CL29","v":0}]
[" One time expenses",null,{"$f":"'Rental - FHLMC 92 - I & II'!BV31","v":0},{"$f":"'Rental - FHLMC 92 - I & II'!CL31","v":0}]
[" Subtotal annual",null,{"$f":"(C1300+SUM(C1302:C1307))-C1301","v":0},{"$f":"(D1300+SUM(D1302:D1307))-D1301","v":0}]
[" Subtotal all rental income",null,null,{"$f":"C1308+D1308","v":0}]
[" Number of Months",null,null,{"$f":"C1297+D1297","v":0}]
[" Adjusted monthly rental income",null,null,{"$f":"IF(D1310=0,0,D1309/D1310)","v":0}]
[]
[" Establishing DTI messages",null,1,"The monthly housing expense must be added as a liability; the net rental income may be added to the stable monthly income."]
[null,null,2,"Subtract the monthly payment amount from the net rental income. If the result is positive, it may be added to income; if the result is negative, add it to the monthly liabilities."]
[null,null,3,"Subtract the monthly payment amount from the net rental income. For one property, if the result is positive, add it to the income; if the result is negative, add it to the monthly liabilities.  For multiple properties, subtract the monthly payment amount from the net rental income for each property. Combine the results and if the combined result is positive, add it ot the income; if the combined result is negative, add it to the monthly liabilities."]
[]
[" Message based on selection",null,{"$f":"IF(C1294=C1313,D1313,IF(C1294=C1314,D1314,IF(C1294=C1315,D1315,\"\")))","v":""}]
[]
["FHLMC 92 - III"]
[]
[" Prop 1 - Tax Returns",null,{"$f":"'Rental - FHLMC 92 - III'!AH11","v":"Select Year"},{"$f":"'Rental - FHLMC 92 - III'!AT11","v":"Select Year"}]
[" Total rents received",null,{"$f":"'Rental - FHLMC 92 - III'!AH12","v":0},{"$f":"'Rental - FHLMC 92 - III'!AT12","v":0}]
[" Total expenses",null,{"$f":"'Rental - FHLMC 92 - III'!AH13","v":0},{"$f":"'Rental - FHLMC 92 - III'!AT13","v":0}]
[" Insurance expense",null,{"$f":"'Rental - FHLMC 92 - III'!AH14","v":0},{"$f":"'Rental - FHLMC 92 - III'!AT14","v":0}]
[" Mortgage interest paid",null,{"$f":"'Rental - FHLMC 92 - III'!AH15","v":0},{"$f":"'Rental - FHLMC 92 - III'!AT15","v":0}]
[" Tax expense",null,{"$f":"'Rental - FHLMC 92 - III'!AH16","v":0},{"$f":"'Rental - FHLMC 92 - III'!AT16","v":0}]
[" HOA dues",null,{"$f":"'Rental - FHLMC 92 - III'!AH17","v":0},{"$f":"'Rental - FHLMC 92 - III'!AT17","v":0}]
[" Depreciation exp/depletion",null,{"$f":"'Rental - FHLMC 92 - III'!AH18","v":0},{"$f":"'Rental - FHLMC 92 - III'!AT18","v":0}]
[" One time expenses",null,{"$f":"'Rental - FHLMC 92 - III'!AH19","v":0},{"$f":"'Rental - FHLMC 92 - III'!AT19","v":0}]
[" Subtotal annual",null,{"$f":"(C1322+SUM(C1324:C1329))-C1323","v":0},{"$f":"(D1322+SUM(D1324:D1329))-D1323","v":0}]
[" Number of Months",null,{"$f":"'Rental - FHLMC 92 - III'!AH21","v":0},{"$f":"'Rental - FHLMC 92 - III'!AT21","v":0}]
[" Subtotal all rental income",null,null,{"$f":"C1330+D1330","v":0}]
[" Number of Months",null,null,{"$f":"C1331+D1331","v":0}]
[" Adjusted monthly rental income",null,null,{"$f":"IF(D1333=0,0,D1332/D1333)","v":0}]
[" Less monthly payment amount",null,null,{"$f":"'Rental - FHLMC 92 - III'!BX53","v":0}]
[" Final Result",null,null,{"$f":"D1334-D1335","v":0}]
[]
[" Prop 2 - Tax Returns",null,{"$f":"'Rental - FHLMC 92 - III'!BF11","v":"Select Year"},{"$f":"'Rental - FHLMC 92 - III'!BR11","v":"Select Year"}]
[" Total rents received",null,{"$f":"'Rental - FHLMC 92 - III'!BF12","v":0},{"$f":"'Rental - FHLMC 92 - III'!BR12","v":0}]
[" Total expenses",null,{"$f":"'Rental - FHLMC 92 - III'!BF13","v":0},{"$f":"'Rental - FHLMC 92 - III'!BR13","v":0}]
[" Insurance expense",null,{"$f":"'Rental - FHLMC 92 - III'!BF14","v":0},{"$f":"'Rental - FHLMC 92 - III'!BR14","v":0}]
[" Mortgage interest paid",null,{"$f":"'Rental - FHLMC 92 - III'!BF15","v":0},{"$f":"'Rental - FHLMC 92 - III'!BR15","v":0}]
[" Tax expense",null,{"$f":"'Rental - FHLMC 92 - III'!BF16","v":0},{"$f":"'Rental - FHLMC 92 - III'!BR16","v":0}]
[" HOA dues",null,{"$f":"'Rental - FHLMC 92 - III'!BF17","v":0},{"$f":"'Rental - FHLMC 92 - III'!BR17","v":0}]
[" Depreciation exp/depletion",null,{"$f":"'Rental - FHLMC 92 - III'!BF18","v":0},{"$f":"'Rental - FHLMC 92 - III'!BR18","v":0}]
[" One time expenses",null,{"$f":"'Rental - FHLMC 92 - III'!BF19","v":0},{"$f":"'Rental - FHLMC 92 - III'!BR19","v":0}]
[" Subtotal annual",null,{"$f":"(C1339+SUM(C1341:C1346))-C1340","v":0},{"$f":"(D1339+SUM(D1341:D1346))-D1340","v":0}]
[" Number of Months",null,{"$f":"'Rental - FHLMC 92 - III'!BF21","v":0},{"$f":"'Rental - FHLMC 92 - III'!BR21","v":0}]
[" Subtotal all rental income",null,null,{"$f":"C1347+D1347","v":0}]
[" Number of Months",null,null,{"$f":"C1348+D1348","v":0}]
[" Adjusted monthly rental income",null,null,{"$f":"IF(D1350=0,0,D1349/D1350)","v":0}]
[" Less monthly payment amount",null,null,{"$f":"'Rental - FHLMC 92 - III'!BX54","v":0}]
[" Final Result",null,null,{"$f":"D1351-D1352","v":0}]
[]
[" Prop 3 - Tax Returns",null,{"$f":"'Rental - FHLMC 92 - III'!CD11","v":"Select Year"},{"$f":"'Rental - FHLMC 92 - III'!CP11","v":"Select Year"}]
[" Total rents received",null,{"$f":"'Rental - FHLMC 92 - III'!CD12","v":0},{"$f":"'Rental - FHLMC 92 - III'!CP12","v":0}]
[" Total expenses",null,{"$f":"'Rental - FHLMC 92 - III'!CD13","v":0},{"$f":"'Rental - FHLMC 92 - III'!CP13","v":0}]
[" Insurance expense",null,{"$f":"'Rental - FHLMC 92 - III'!CD14","v":0},{"$f":"'Rental - FHLMC 92 - III'!CP14","v":0}]
[" Mortgage interest paid",null,{"$f":"'Rental - FHLMC 92 - III'!CD15","v":0},{"$f":"'Rental - FHLMC 92 - III'!CP15","v":0}]
[" Tax expense",null,{"$f":"'Rental - FHLMC 92 - III'!CD16","v":0},{"$f":"'Rental - FHLMC 92 - III'!CP16","v":0}]
[" HOA dues",null,{"$f":"'Rental - FHLMC 92 - III'!CD17","v":0},{"$f":"'Rental - FHLMC 92 - III'!CP17","v":0}]
[" Depreciation exp/depletion",null,{"$f":"'Rental - FHLMC 92 - III'!CD18","v":0},{"$f":"'Rental - FHLMC 92 - III'!CP18","v":0}]
[" One time expenses",null,{"$f":"'Rental - FHLMC 92 - III'!CD19","v":0},{"$f":"'Rental - FHLMC 92 - III'!CP19","v":0}]
[" Subtotal annual",null,{"$f":"(C1356+SUM(C1358:C1363))-C1357","v":0},{"$f":"(D1356+SUM(D1358:D1363))-D1357","v":0}]
[" Number of Months",null,{"$f":"'Rental - FHLMC 92 - III'!CD21","v":0},{"$f":"'Rental - FHLMC 92 - III'!CP21","v":0}]
[" Subtotal all rental income",null,null,{"$f":"C1364+D1364","v":0}]
[" Number of Months",null,null,{"$f":"C1365+D1365","v":0}]
[" Adjusted monthly rental income",null,null,{"$f":"IF(D1367=0,0,D1366/D1367)","v":0}]
[" Less monthly payment amount",null,null,{"$f":"'Rental - FHLMC 92 - III'!BX55","v":0}]
[" Final Result",null,null,{"$f":"D1368-D1369","v":0}]
[]
[" Prop 4 - Tax Returns",null,{"$f":"'Rental - FHLMC 92 - III'!AH26","v":"Select Year"},{"$f":"'Rental - FHLMC 92 - III'!AT26","v":"Select Year"}]
[" Total rents received",null,{"$f":"'Rental - FHLMC 92 - III'!AH27","v":0},{"$f":"'Rental - FHLMC 92 - III'!AT27","v":0}]
[" Total expenses",null,{"$f":"'Rental - FHLMC 92 - III'!AH28","v":0},{"$f":"'Rental - FHLMC 92 - III'!AT28","v":0}]
[" Insurance expense",null,{"$f":"'Rental - FHLMC 92 - III'!AH29","v":0},{"$f":"'Rental - FHLMC 92 - III'!AT29","v":0}]
[" Mortgage interest paid",null,{"$f":"'Rental - FHLMC 92 - III'!AH30","v":0},{"$f":"'Rental - FHLMC 92 - III'!AT30","v":0}]
[" Tax expense",null,{"$f":"'Rental - FHLMC 92 - III'!AH31","v":0},{"$f":"'Rental - FHLMC 92 - III'!AT31","v":0}]
[" HOA dues",null,{"$f":"'Rental - FHLMC 92 - III'!AH32","v":0},{"$f":"'Rental - FHLMC 92 - III'!AT32","v":0}]
[" Depreciation exp/depletion",null,{"$f":"'Rental - FHLMC 92 - III'!AH33","v":0},{"$f":"'Rental - FHLMC 92 - III'!AT33","v":0}]
[" One time expenses",null,{"$f":"'Rental - FHLMC 92 - III'!AH34","v":0},{"$f":"'Rental - FHLMC 92 - III'!AT34","v":0}]
[" Subtotal annual",null,{"$f":"(C1373+SUM(C1375:C1380))-C1374","v":0},{"$f":"(D1373+SUM(D1375:D1380))-D1374","v":0}]
[" Number of Months",null,{"$f":"'Rental - FHLMC 92 - III'!AH36","v":0},{"$f":"'Rental - FHLMC 92 - III'!AT36","v":0}]
[" Subtotal all rental income",null,null,{"$f":"C1381+D1381","v":0}]
[" Number of Months",null,null,{"$f":"C1382+D1382","v":0}]
[" Adjusted monthly rental income",null,null,{"$f":"IF(D1384=0,0,D1383/D1384)","v":0}]
[" Less monthly payment amount",null,null,{"$f":"'Rental - FHLMC 92 - III'!BX56","v":0}]
[" Final Result",null,null,{"$f":"D1385-D1386","v":0}]
[]
[" Prop 5 - Tax Returns",null,{"$f":"'Rental - FHLMC 92 - III'!BF26","v":"Select Year"},{"$f":"'Rental - FHLMC 92 - III'!BR26","v":"Select Year"}]
[" Total rents received",null,{"$f":"'Rental - FHLMC 92 - III'!BF27","v":0},{"$f":"'Rental - FHLMC 92 - III'!BR27","v":0}]
[" Total expenses",null,{"$f":"'Rental - FHLMC 92 - III'!BF28","v":0},{"$f":"'Rental - FHLMC 92 - III'!BR28","v":0}]
[" Insurance expense",null,{"$f":"'Rental - FHLMC 92 - III'!BF29","v":0},{"$f":"'Rental - FHLMC 92 - III'!BR29","v":0}]
[" Mortgage interest paid",null,{"$f":"'Rental - FHLMC 92 - III'!BF30","v":0},{"$f":"'Rental - FHLMC 92 - III'!BR30","v":0}]
[" Tax expense",null,{"$f":"'Rental - FHLMC 92 - III'!BF31","v":0},{"$f":"'Rental - FHLMC 92 - III'!BR31","v":0}]
[" HOA dues",null,{"$f":"'Rental - FHLMC 92 - III'!BF32","v":0},{"$f":"'Rental - FHLMC 92 - III'!BR32","v":0}]
[" Depreciation exp/depletion",null,{"$f":"'Rental - FHLMC 92 - III'!BF33","v":0},{"$f":"'Rental - FHLMC 92 - III'!BR33","v":0}]
[" One time expenses",null,{"$f":"'Rental - FHLMC 92 - III'!BF34","v":0},{"$f":"'Rental - FHLMC 92 - III'!BR34","v":0}]
[" Subtotal annual",null,{"$f":"(C1390+SUM(C1392:C1397))-C1391","v":0},{"$f":"(D1390+SUM(D1392:D1397))-D1391","v":0}]
[" Number of Months",null,{"$f":"'Rental - FHLMC 92 - III'!BF36","v":0},{"$f":"'Rental - FHLMC 92 - III'!BR36","v":0}]
[" Subtotal all rental income",null,null,{"$f":"C1398+D1398","v":0}]
[" Number of Months",null,null,{"$f":"C1399+D1399","v":0}]
[" Adjusted monthly rental income",null,null,{"$f":"IF(D1401=0,0,D1400/D1401)","v":0}]
[" Less monthly payment amount",null,null,{"$f":"'Rental - FHLMC 92 - III'!BX57","v":0}]
[" Final Result",null,null,{"$f":"D1402-D1403","v":0}]
[]
[" Prop 6 - Tax Returns",null,{"$f":"'Rental - FHLMC 92 - III'!CD26","v":"Select Year"},{"$f":"'Rental - FHLMC 92 - III'!CP26","v":"Select Year"}]
[" Total rents received",null,{"$f":"'Rental - FHLMC 92 - III'!CD27","v":0},{"$f":"'Rental - FHLMC 92 - III'!CP27","v":0}]
[" Total expenses",null,{"$f":"'Rental - FHLMC 92 - III'!CD28","v":0},{"$f":"'Rental - FHLMC 92 - III'!CP28","v":0}]
[" Insurance expense",null,{"$f":"'Rental - FHLMC 92 - III'!CD29","v":0},{"$f":"'Rental - FHLMC 92 - III'!CP29","v":0}]
[" Mortgage interest paid",null,{"$f":"'Rental - FHLMC 92 - III'!CD30","v":0},{"$f":"'Rental - FHLMC 92 - III'!CP30","v":0}]
[" Tax expense",null,{"$f":"'Rental - FHLMC 92 - III'!CD31","v":0},{"$f":"'Rental - FHLMC 92 - III'!CP31","v":0}]
[" HOA dues",null,{"$f":"'Rental - FHLMC 92 - III'!CD32","v":0},{"$f":"'Rental - FHLMC 92 - III'!CP32","v":0}]
[" Depreciation exp/depletion",null,{"$f":"'Rental - FHLMC 92 - III'!CD33","v":0},{"$f":"'Rental - FHLMC 92 - III'!CP33","v":0}]
[" One time expenses",null,{"$f":"'Rental - FHLMC 92 - III'!CD34","v":0},{"$f":"'Rental - FHLMC 92 - III'!CP34","v":0}]
[" Subtotal annual",null,{"$f":"(C1407+SUM(C1409:C1414))-C1408","v":0},{"$f":"(D1407+SUM(D1409:D1414))-D1408","v":0}]
[" Number of Months",null,{"$f":"'Rental - FHLMC 92 - III'!CD36","v":0},{"$f":"'Rental - FHLMC 92 - III'!CP36","v":0}]
[" Subtotal all rental income",null,null,{"$f":"C1415+D1415","v":0}]
[" Number of Months",null,null,{"$f":"C1416+D1416","v":0}]
[" Adjusted monthly rental income",null,null,{"$f":"IF(D1418=0,0,D1417/D1418)","v":0}]
[" Less monthly payment amount",null,null,{"$f":"'Rental - FHLMC 92 - III'!BX58","v":0}]
[" Final Result",null,null,{"$f":"D1419-D1420","v":0}]
[]
[" Combined Final Results",null,null,{"$f":"D1336+D1353+D1370+D1387+D1404+D1421","v":0}]
[]
["SCHEDULE E - PARTNERTSHIP #1"]
["Copy 1",null,null,null,null,"Copy 2",null,null,null,null,"Copy 3",null,null,null,null,"Copy 4"]
[" Schedule K-1 (1065)",null,{"$f":"'Schedule E - Partnerships 1&2'!BX11","v":2015},{"$f":"'Schedule E - Partnerships 1&2'!CM11","v":2016},null," Schedule K-1 (1065)",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$11","v":2015},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$11","v":2016},null," Schedule K-1 (1065)",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$11","v":2015},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$11","v":2016},null," Schedule K-1 (1065)",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$11","v":2015},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$11","v":2016}]
[" Ordinary Business Income/Loss",null,{"$f":"'Schedule E - Partnerships 1&2'!BX$12","v":0},{"$f":"'Schedule E - Partnerships 1&2'!CM$12","v":0},null," Ordinary Business Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$12","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$12","v":0},null," Ordinary Business Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$12","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$12","v":0},null," Ordinary Business Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$12","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$12","v":0}]
[" Net Rental Real Estate Income/Loss",null,{"$f":"'Schedule E - Partnerships 1&2'!BX$13","v":0},{"$f":"'Schedule E - Partnerships 1&2'!CM$13","v":0},null," Net Rental Real Estate Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$13","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$13","v":0},null," Net Rental Real Estate Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$13","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$13","v":0},null," Net Rental Real Estate Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$13","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$13","v":0}]
[" Other Net Rental Income/Loss",null,{"$f":"'Schedule E - Partnerships 1&2'!BX$14","v":0},{"$f":"'Schedule E - Partnerships 1&2'!CM14","v":0},null," Other Net Rental Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$14","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$14","v":0},null," Other Net Rental Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$14","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$14","v":0},null," Other Net Rental Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$14","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$14","v":0}]
[" Subtotal Schedule K-1",null,{"$f":"SUM(C1428:C1430)","v":0},{"$f":"SUM(D1428:D1430)","v":0},null," Subtotal Schedule K-1",null,{"$f":"SUM(H1428:H1430)","v":0},{"$f":"SUM(I1428:I1430)","v":0},null," Subtotal Schedule K-1",null,{"$f":"SUM(M1428:M1430)","v":0},{"$f":"SUM(N1428:N1430)","v":0},null," Subtotal Schedule K-1",null,{"$f":"SUM(R1428:R1430)","v":0},{"$f":"SUM(S1428:S1430)","v":0}]
[]
[" Form 1065",null,{"$f":"'Schedule E - Partnerships 1&2'!BX16","v":2015},{"$f":"'Schedule E - Partnerships 1&2'!CM16","v":2016},null," Form 1065",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$16","v":2015},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$16","v":2016},null," Form 1065",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$16","v":2015},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$16","v":2016},null," Form 1065",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$16","v":2015},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$16","v":2016}]
[" Ordinary Income/Loss",null,{"$f":"'Schedule E - Partnerships 1&2'!$BX17","v":0},{"$f":"'Schedule E - Partnerships 1&2'!$CM17","v":0},null," Ordinary Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$17","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$17","v":0},null," Ordinary Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$17","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$17","v":0},null," Ordinary Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$17","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$17","v":0}]
[" Other Income/Loss",null,{"$f":"'Schedule E - Partnerships 1&2'!$BX18","v":0},{"$f":"'Schedule E - Partnerships 1&2'!$CM18","v":0},null," Other Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$18","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$18","v":0},null," Other Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$18","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$18","v":0},null," Other Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$18","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$18","v":0}]
[" Depreciation/Depletion",null,{"$f":"'Schedule E - Partnerships 1&2'!$BX19","v":0},{"$f":"'Schedule E - Partnerships 1&2'!$CM19","v":0},null," Depreciation/Depletion",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$19","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$19","v":0},null," Depreciation/Depletion",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$19","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$19","v":0},null," Depreciation/Depletion",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$19","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$19","v":0}]
[" Amortization/Casualty Loss",null,{"$f":"'Schedule E - Partnerships 1&2'!$BX20","v":0},{"$f":"'Schedule E - Partnerships 1&2'!$CM20","v":0},null," Amortization/Casualty Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$20","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$20","v":0},null," Amortization/Casualty Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$20","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$20","v":0},null," Amortization/Casualty Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$20","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$20","v":0}]
[" Mortgages payable < 1 year",null,{"$f":"'Schedule E - Partnerships 1&2'!$BX21","v":0},{"$f":"'Schedule E - Partnerships 1&2'!$CM21","v":0},null," Mortgages payable < 1 year",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$21","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$21","v":0},null," Mortgages payable < 1 year",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$21","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$21","v":0},null," Mortgages payable < 1 year",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$21","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$21","v":0}]
[" Meals & Entertainment",null,{"$f":"'Schedule E - Partnerships 1&2'!$BX22","v":0},{"$f":"'Schedule E - Partnerships 1&2'!$CM22","v":0},null," Meals & Entertainment",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$22","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$22","v":0},null," Meals & Entertainment",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$22","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$22","v":0},null," Meals & Entertainment",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$22","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$22","v":0}]
[" Subtotal",null,{"$f":"SUM(C1434:C1437)-SUM(C1438:C1439)","v":0},{"$f":"SUM(D1434:D1437)-SUM(D1438:D1439)","v":0},null," Subtotal",null,{"$f":"SUM(H1434:H1437)-SUM(H1438:H1439)","v":0},{"$f":"SUM(I1434:I1437)-SUM(I1438:I1439)","v":0},null," Subtotal",null,{"$f":"SUM(M1434:M1437)-SUM(M1438:M1439)","v":0},{"$f":"SUM(N1434:N1437)-SUM(N1438:N1439)","v":0},null," Subtotal",null,{"$f":"SUM(R1434:R1437)-SUM(R1438:R1439)","v":0},{"$f":"SUM(S1434:S1437)-SUM(S1438:S1439)","v":0}]
[" Percentage of Ownership",null,{"$f":"'Schedule E - Partnerships 1&2'!$BX24","v":1},{"$f":"'Schedule E - Partnerships 1&2'!$CM24","v":1},null," Percentage of Ownership",null,{"$f":"'Schedule E - Partnerships 1&2'!$BX$24","v":1},{"$f":"'Schedule E - Partnerships 1&2'!$CM$24","v":1},null," Percentage of Ownership",null,{"$f":"'Schedule E - Partnerships 1&2'!$BX$24","v":1},{"$f":"'Schedule E - Partnerships 1&2'!$CM$24","v":1},null," Percentage of Ownership",null,{"$f":"'Schedule E - Partnerships 1&2'!$BX$24","v":1},{"$f":"'Schedule E - Partnerships 1&2'!$CM$24","v":1}]
[" Subtotal Form 1065",null,{"$f":"C1440*C1441","v":0},{"$f":"D1440*D1441","v":0},null," Subtotal Form 1065",null,{"$f":"H1440*H1441","v":0},{"$f":"I1440*I1441","v":0},null," Subtotal Form 1065",null,{"$f":"M1440*M1441","v":0},{"$f":"N1440*N1441","v":0},null," Subtotal Form 1065",null,{"$f":"R1440*R1441","v":0},{"$f":"S1440*S1441","v":0}]
[" Total for Partnership #1",null,{"$f":"C1431+C1442","v":0},{"$f":"D1431+D1442","v":0},null," Total for Partnership #1",null,{"$f":"H1431+H1442","v":0},{"$f":"I1431+I1442","v":0},null," Total for Partnership #1",null,{"$f":"M1431+M1442","v":0},{"$f":"N1431+N1442","v":0},null," Total for Partnership #1",null,{"$f":"R1431+R1442","v":0},{"$f":"S1431+S1442","v":0}]
[" Include years option",null,false,true,null," Include years option",null,false,false,null," Include years option",null,false,false,null," Include years option",null,false,false]
[" Include years amounts",null,{"$f":"IF(C1444=TRUE,C1443,0)","v":0},{"$f":"IF(D1444=TRUE,D1443,0)","v":0},null," Include years amounts",null,{"$f":"IF(H1444=TRUE,H1443,0)","v":0},{"$f":"IF(I1444=TRUE,I1443,0)","v":0},null," Include years amounts",null,{"$f":"IF(M1444=TRUE,M1443,0)","v":0},{"$f":"IF(N1444=TRUE,N1443,0)","v":0},null," Include years amounts",null,{"$f":"IF(R1444=TRUE,R1443,0)","v":0},{"$f":"IF(S1444=TRUE,S1443,0)","v":0}]
[" Grand Total Income",null,{"$f":"C1445+D1445","v":0},null,null," Grand Total Income",null,{"$f":"H1445+I1445","v":0},null,null," Grand Total Income",null,{"$f":"M1445+N1445","v":0},null,null," Grand Total Income",null,{"$f":"R1445+S1445","v":0}]
[" Number of Months",null,{"$f":"IF(C1444=TRUE,12,0)","v":0},{"$f":"IF(D1444=TRUE,12,0)","v":12},null," Number of Months",null,{"$f":"IF(H1444=TRUE,12,0)","v":0},{"$f":"IF(I1444=TRUE,12,0)","v":0},null," Number of Months",null,{"$f":"IF(M1444=TRUE,12,0)","v":0},{"$f":"IF(N1444=TRUE,12,0)","v":0},null," Number of Months",null,{"$f":"IF(R1444=TRUE,12,0)","v":0},{"$f":"IF(S1444=TRUE,12,0)","v":0}]
[" Total Number of Months",null,{"$f":"C1447+D1447","v":12},null,null," Total Number of Months",null,{"$f":"H1447+I1447","v":0},null,null," Total Number of Months",null,{"$f":"M1447+N1447","v":0},null,null," Total Number of Months",null,{"$f":"R1447+S1447","v":0}]
[" Avg Monthly Partnership #1",null,{"$f":"IF(C1446=0,0,C1446/C1448)","v":0},null,null," Avg Monthly Partnership #1",null,{"$f":"IF(H1446=0,0,H1446/H1448)","v":0},null,null," Avg Monthly Partnership #1",null,{"$f":"IF(M1446=0,0,M1446/M1448)","v":0},null,null," Avg Monthly Partnership #1",null,{"$f":"IF(R1446=0,0,R1446/R1448)","v":0}]
[]
["SCHEDULE E - PARTNERTSHIP #2"]
["Copy 1",null,null,null,null,"Copy 2",null,null,null,null,"Copy 3",null,null,null,null,"Copy 4"]
[" Schedule K-1 (1065)",null,{"$f":"'Schedule E - Partnerships 1&2'!BX36","v":"Select Year"},{"$f":"'Schedule E - Partnerships 1&2'!CM36","v":"Select Year"},null," Schedule K-1 (1065)",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$36","v":"Select Year"},{"$f":"'Schedule E Partnerships 1&2 (2)'!CM36","v":"Select Year"},null," Schedule K-1 (1065)",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$36","v":"Select Year"},{"$f":"'Schedule E Partnerships 1&2 (2)'!CR36","v":0},null," Schedule K-1 (1065)",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$36","v":"Select Year"},{"$f":"'Schedule E Partnerships 1&2 (2)'!CW36","v":0}]
[" Ordinary Business Income/Loss",null,{"$f":"'Schedule E - Partnerships 1&2'!BX37","v":0},{"$f":"'Schedule E - Partnerships 1&2'!CM37","v":0},null," Ordinary Business Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$37","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!CM37","v":0},null," Ordinary Business Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$37","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!CR37","v":0},null," Ordinary Business Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$37","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!CW37","v":0}]
[" Net Rental Real Estate Income/Loss",null,{"$f":"'Schedule E - Partnerships 1&2'!BX38","v":0},{"$f":"'Schedule E - Partnerships 1&2'!CM38","v":0},null," Net Rental Real Estate Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$38","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!CM38","v":0},null," Net Rental Real Estate Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$38","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!CR38","v":0},null," Net Rental Real Estate Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$38","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!CW38","v":0}]
[" Other Net Rental Income/Loss",null,{"$f":"'Schedule E - Partnerships 1&2'!BX39","v":0},{"$f":"'Schedule E - Partnerships 1&2'!CM39","v":0},null," Other Net Rental Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$39","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!CM39","v":0},null," Other Net Rental Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$39","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!CR39","v":0},null," Other Net Rental Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$39","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!CW39","v":0}]
[" Subtotal Schedule K-1",null,{"$f":"SUM(C1454:C1456)","v":0},{"$f":"SUM(D1454:D1456)","v":0},null," Subtotal Schedule K-1",null,{"$f":"SUM(H1454:H1456)","v":0},{"$f":"SUM(I1454:I1456)","v":0},null," Subtotal Schedule K-1",null,{"$f":"SUM(M1454:M1456)","v":0},{"$f":"SUM(N1454:N1456)","v":0},null," Subtotal Schedule K-1",null,{"$f":"SUM(R1454:R1456)","v":0},{"$f":"SUM(S1454:S1456)","v":0}]
[]
[" Form 1065",null,{"$f":"'Schedule E - Partnerships 1&2'!BX41","v":"Select Year"},{"$f":"'Schedule E - Partnerships 1&2'!CM41","v":"Select Year"},null," Form 1065",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$41","v":"Select Year"},{"$f":"'Schedule E Partnerships 1&2 (2)'!CM41","v":"Select Year"},null," Form 1065",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$41","v":"Select Year"},{"$f":"'Schedule E Partnerships 1&2 (2)'!CR41","v":0},null," Form 1065",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$41","v":"Select Year"},{"$f":"'Schedule E Partnerships 1&2 (2)'!CW41","v":0}]
[" Ordinary Income/Loss",null,{"$f":"'Schedule E - Partnerships 1&2'!BX42","v":0},{"$f":"'Schedule E - Partnerships 1&2'!CM42","v":0},null," Ordinary Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$42","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$42","v":0},null," Ordinary Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$42","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$42","v":0},null," Ordinary Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$42","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$42","v":0}]
[" Other Income/Loss",null,{"$f":"'Schedule E - Partnerships 1&2'!BX43","v":0},{"$f":"'Schedule E - Partnerships 1&2'!CM43","v":0},null," Other Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$43","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$43","v":0},null," Other Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$43","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$43","v":0},null," Other Income/Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$43","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$43","v":0}]
[" Depreciation/Depletion",null,{"$f":"'Schedule E - Partnerships 1&2'!BX44","v":0},{"$f":"'Schedule E - Partnerships 1&2'!CM44","v":0},null," Depreciation/Depletion",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$44","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$44","v":0},null," Depreciation/Depletion",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$44","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$44","v":0},null," Depreciation/Depletion",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$44","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$44","v":0}]
[" Amortization/Casualty Loss",null,{"$f":"'Schedule E - Partnerships 1&2'!BX45","v":0},{"$f":"'Schedule E - Partnerships 1&2'!CM45","v":0},null," Amortization/Casualty Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$45","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$45","v":0},null," Amortization/Casualty Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$45","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$45","v":0},null," Amortization/Casualty Loss",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$45","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$45","v":0}]
[" Mortgages payable < 1 year",null,{"$f":"'Schedule E - Partnerships 1&2'!BX46","v":0},{"$f":"'Schedule E - Partnerships 1&2'!CM46","v":0},null," Mortgages payable < 1 year",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$46","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$46","v":0},null," Mortgages payable < 1 year",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$46","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$46","v":0},null," Mortgages payable < 1 year",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$46","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$46","v":0}]
[" Meals & Entertainment",null,{"$f":"'Schedule E - Partnerships 1&2'!BX47","v":0},{"$f":"'Schedule E - Partnerships 1&2'!CM47","v":0},null," Meals & Entertainment",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$47","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$47","v":0},null," Meals & Entertainment",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$47","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$47","v":0},null," Meals & Entertainment",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$47","v":0},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$47","v":0}]
[" Subtotal",null,{"$f":"SUM(C1460:C1463)-SUM(C1464:C1465)","v":0},{"$f":"SUM(D1460:D1463)-SUM(D1464:D1465)","v":0},null," Subtotal",null,{"$f":"SUM(H1460:H1463)-SUM(H1464:H1465)","v":0},{"$f":"SUM(I1460:I1463)-SUM(I1464:I1465)","v":0},null," Subtotal",null,{"$f":"SUM(M1460:M1463)-SUM(M1464:M1465)","v":0},{"$f":"SUM(N1460:N1463)-SUM(N1464:N1465)","v":0},null," Subtotal",null,{"$f":"SUM(R1460:R1463)-SUM(R1464:R1465)","v":0},{"$f":"SUM(S1460:S1463)-SUM(S1464:S1465)","v":0}]
[" Percentage of Ownership",null,{"$f":"'Schedule E - Partnerships 1&2'!BX49","v":1},{"$f":"'Schedule E - Partnerships 1&2'!CM49","v":1},null," Percentage of Ownership",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$49","v":1},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$49","v":1},null," Percentage of Ownership",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$49","v":1},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$49","v":1},null," Percentage of Ownership",null,{"$f":"'Schedule E Partnerships 1&2 (2)'!$BX$49","v":1},{"$f":"'Schedule E Partnerships 1&2 (2)'!$CM$49","v":1}]
[" Subtotal Form 1065",null,{"$f":"C1466*C1467","v":0},{"$f":"D1466*D1467","v":0},null," Subtotal Form 1065",null,{"$f":"H1466*H1467","v":0},{"$f":"I1466*I1467","v":0},null," Subtotal Form 1065",null,{"$f":"M1466*M1467","v":0},{"$f":"N1466*N1467","v":0},null," Subtotal Form 1065",null,{"$f":"R1466*R1467","v":0},{"$f":"S1466*S1467","v":0}]
[" Total for Partnership #2",null,{"$f":"C1457+C1468","v":0},{"$f":"D1457+D1468","v":0},null," Total for Partnership #2",null,{"$f":"H1457+H1468","v":0},{"$f":"I1457+I1468","v":0},null," Total for Partnership #2",null,{"$f":"M1457+M1468","v":0},{"$f":"N1457+N1468","v":0},null," Total for Partnership #2",null,{"$f":"R1457+R1468","v":0},{"$f":"S1457+S1468","v":0}]
[" Include years option",null,false,false,null," Include years option",null,false,false,null," Include years option",null,false,false,null," Include years option",null,false,false]
[" Include years amounts",null,{"$f":"IF(C1470=TRUE,C1469,0)","v":0},{"$f":"IF(D1470=TRUE,D1469,0)","v":0},null," Include years amounts",null,{"$f":"IF(H1470=TRUE,H1469,0)","v":0},{"$f":"IF(I1470=TRUE,I1469,0)","v":0},null," Include years amounts",null,{"$f":"IF(M1470=TRUE,M1469,0)","v":0},{"$f":"IF(N1470=TRUE,N1469,0)","v":0},null," Include years amounts",null,{"$f":"IF(R1470=TRUE,R1469,0)","v":0},{"$f":"IF(S1470=TRUE,S1469,0)","v":0}]
[" Grand Total Income",null,{"$f":"C1471+D1471","v":0},null,null," Grand Total Income",null,{"$f":"H1471+I1471","v":0},null,null," Grand Total Income",null,{"$f":"M1471+N1471","v":0},null,null," Grand Total Income",null,{"$f":"R1471+S1471","v":0}]
[" Number of Months",null,{"$f":"IF(C1470=TRUE,12,0)","v":0},{"$f":"IF(D1470=TRUE,12,0)","v":0},null," Number of Months",null,{"$f":"IF(H1470=TRUE,12,0)","v":0},{"$f":"IF(I1470=TRUE,12,0)","v":0},null," Number of Months",null,{"$f":"IF(M1470=TRUE,12,0)","v":0},{"$f":"IF(N1470=TRUE,12,0)","v":0},null," Number of Months",null,{"$f":"IF(R1470=TRUE,12,0)","v":0},{"$f":"IF(S1470=TRUE,12,0)","v":0}]
[" Total Number of Months",null,{"$f":"C1473+D1473","v":0},null,null," Total Number of Months",null,{"$f":"H1473+I1473","v":0},null,null," Total Number of Months",null,{"$f":"M1473+N1473","v":0},null,null," Total Number of Months",null,{"$f":"R1473+S1473","v":0}]
[" Avg Monthly Partnership #2",null,{"$f":"IF(C1472=0,0,C1472/C1474)","v":0},null,null," Avg Monthly Partnership #2",null,{"$f":"IF(H1472=0,0,H1472/H1474)","v":0},null,null," Avg Monthly Partnership #2",null,{"$f":"IF(M1472=0,0,M1472/M1474)","v":0},null,null," Avg Monthly Partnership #2",null,{"$f":"IF(R1472=0,0,R1472/R1474)","v":0}]
[]
["SCHEDULE E - S-CORPORATION #1"]
["Copy 1",null,null,null,null,"Copy 2",null,null,null,null,"Copy 3",null,null,null,null,"Copy 4"]
[" Schedule K-1 (1120S)",null,{"$f":"'Schedule E - S-Corps 1&2'!BX11","v":"Select Year"},{"$f":"'Schedule E - S-Corps 1&2'!CM11","v":"Select Year"},null," Schedule K-1 (1120S)",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$11","v":"Select Year"},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$11","v":"Select Year"},null," Schedule K-1 (1120S)",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$11","v":"Select Year"},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$11","v":"Select Year"},null," Schedule K-1 (1120S)",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$11","v":"Select Year"},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$11","v":"Select Year"}]
[" Ordinary Business Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2'!BX12","v":0},{"$f":"'Schedule E - S-Corps 1&2'!CM12","v":0},null," Ordinary Business Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$12","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$12","v":0},null," Ordinary Business Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$12","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$12","v":0},null," Ordinary Business Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$12","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$12","v":0}]
[" Net Rental Real Estate Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2'!BX13","v":0},{"$f":"'Schedule E - S-Corps 1&2'!CM13","v":0},null," Net Rental Real Estate Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$13","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$13","v":0},null," Net Rental Real Estate Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$13","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$13","v":0},null," Net Rental Real Estate Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$13","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$13","v":0}]
[" Other Net Rental Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2'!BX14","v":0},{"$f":"'Schedule E - S-Corps 1&2'!CM14","v":0},null," Other Net Rental Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$14","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$14","v":0},null," Other Net Rental Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$14","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$14","v":0},null," Other Net Rental Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$14","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$14","v":0}]
[" Subtotal Schedule K-1",null,{"$f":"SUM(C1480:C1482)","v":0},{"$f":"SUM(D1480:D1482)","v":0},null," Subtotal Schedule K-1",null,{"$f":"SUM(H1480:H1482)","v":0},{"$f":"SUM(I1480:I1482)","v":0},null," Subtotal Schedule K-1",null,{"$f":"SUM(M1480:M1482)","v":0},{"$f":"SUM(N1480:N1482)","v":0},null," Subtotal Schedule K-1",null,{"$f":"SUM(R1480:R1482)","v":0},{"$f":"SUM(S1480:S1482)","v":0}]
[]
[" Form 1120S",null,{"$f":"'Schedule E - S-Corps 1&2'!BX16","v":"Select Year"},{"$f":"'Schedule E - S-Corps 1&2'!CM16","v":"Select Year"},null," Form 1120S",null,{"$f":"'Schedule E - S-Corps 1&2'!$BX$16","v":"Select Year"},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$16","v":"Select Year"},null," Form 1120S",null,{"$f":"'Schedule E - S-Corps 1&2'!$BX$16","v":"Select Year"},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$16","v":"Select Year"},null," Form 1120S",null,{"$f":"'Schedule E - S-Corps 1&2'!$BX$16","v":"Select Year"},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$16","v":"Select Year"}]
[" Other Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2'!BX17","v":0},{"$f":"'Schedule E - S-Corps 1&2'!CM17","v":0},null," Other Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$17","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$17","v":0},null," Other Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$17","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$17","v":0},null," Other Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$17","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$17","v":0}]
[" Depreciation/Depletion",null,{"$f":"'Schedule E - S-Corps 1&2'!BX18","v":0},{"$f":"'Schedule E - S-Corps 1&2'!CM18","v":0},null," Depreciation/Depletion",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$18","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$18","v":0},null," Depreciation/Depletion",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$18","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$18","v":0},null," Depreciation/Depletion",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$18","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$18","v":0}]
[" Amortization/Casualty Loss",null,{"$f":"'Schedule E - S-Corps 1&2'!BX19","v":0},{"$f":"'Schedule E - S-Corps 1&2'!CM19","v":0},null," Amortization/Casualty Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$19","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$19","v":0},null," Amortization/Casualty Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$19","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$19","v":0},null," Amortization/Casualty Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$19","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$19","v":0}]
[" Mortgages payable < 1 year",null,{"$f":"'Schedule E - S-Corps 1&2'!BX20","v":0},{"$f":"'Schedule E - S-Corps 1&2'!CM20","v":0},null," Mortgages payable < 1 year",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$20","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$20","v":0},null," Mortgages payable < 1 year",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$20","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$20","v":0},null," Mortgages payable < 1 year",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$20","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$20","v":0}]
[" Meals & Entertainment",null,{"$f":"'Schedule E - S-Corps 1&2'!BX21","v":0},{"$f":"'Schedule E - S-Corps 1&2'!CM21","v":0},null," Meals & Entertainment",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$21","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$21","v":0},null," Meals & Entertainment",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$21","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$21","v":0},null," Meals & Entertainment",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$21","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$21","v":0}]
[" Subtotal",null,{"$f":"SUM(C1486:C1488)-SUM(C1489:C1490)","v":0},{"$f":"SUM(D1486:D1488)-SUM(D1489:D1490)","v":0},null," Subtotal",null,{"$f":"SUM(H1486:H1488)-SUM(H1489:H1490)","v":0},{"$f":"SUM(I1486:I1488)-SUM(I1489:I1490)","v":0},null," Subtotal",null,{"$f":"SUM(M1486:M1488)-SUM(M1489:M1490)","v":0},{"$f":"SUM(N1486:N1488)-SUM(N1489:N1490)","v":0},null," Subtotal",null,{"$f":"SUM(R1486:R1488)-SUM(R1489:R1490)","v":0},{"$f":"SUM(S1486:S1488)-SUM(S1489:S1490)","v":0}]
[" Percentage of Ownership",null,{"$f":"'Schedule E - S-Corps 1&2'!BX23","v":1},{"$f":"'Schedule E - S-Corps 1&2'!CM23","v":1},null," Percentage of Ownership",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$23","v":1},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$23","v":1},null," Percentage of Ownership",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$23","v":1},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$23","v":1},null," Percentage of Ownership",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$23","v":1},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$23","v":1}]
[" Subtotal Form 1120S",null,{"$f":"C1491*C1492","v":0},{"$f":"D1491*D1492","v":0},null," Subtotal Form 1120S",null,{"$f":"H1491*H1492","v":0},{"$f":"I1491*I1492","v":0},null," Subtotal Form 1120S",null,{"$f":"M1491*M1492","v":0},{"$f":"N1491*N1492","v":0},null," Subtotal Form 1120S",null,{"$f":"R1491*R1492","v":0},{"$f":"S1491*S1492","v":0}]
[" Total for S-Corp #1",null,{"$f":"C1483+C1493","v":0},{"$f":"D1483+D1493","v":0},null," Total for S-Corp #1",null,{"$f":"H1483+H1493","v":0},{"$f":"I1483+I1493","v":0},null," Total for S-Corp #1",null,{"$f":"M1483+M1493","v":0},{"$f":"N1483+N1493","v":0},null," Total for S-Corp #1",null,{"$f":"R1483+R1493","v":0},{"$f":"S1483+S1493","v":0}]
[" Include years option",null,false,false,null," Include years option",null,false,false,null," Include years option",null,false,false,null," Include years option",null,false,false]
[" Include years amounts",null,{"$f":"IF(C1495=TRUE,C1494,0)","v":0},{"$f":"IF(D1495=TRUE,D1494,0)","v":0},null," Include years amounts",null,{"$f":"IF(H1495=TRUE,H1494,0)","v":0},{"$f":"IF(I1495=TRUE,I1494,0)","v":0},null," Include years amounts",null,{"$f":"IF(M1495=TRUE,M1494,0)","v":0},{"$f":"IF(N1495=TRUE,N1494,0)","v":0},null," Include years amounts",null,{"$f":"IF(R1495=TRUE,R1494,0)","v":0},{"$f":"IF(S1495=TRUE,S1494,0)","v":0}]
[" Grand Total Income",null,{"$f":"C1496+D1496","v":0},null,null," Grand Total Income",null,{"$f":"H1496+I1496","v":0},null,null," Grand Total Income",null,{"$f":"M1496+N1496","v":0},null,null," Grand Total Income",null,{"$f":"R1496+S1496","v":0}]
[" Number of Months",null,{"$f":"IF(C1495=TRUE,12,0)","v":0},{"$f":"IF(D1495=TRUE,12,0)","v":0},null," Number of Months",null,{"$f":"IF(H1495=TRUE,12,0)","v":0},{"$f":"IF(I1495=TRUE,12,0)","v":0},null," Number of Months",null,{"$f":"IF(M1495=TRUE,12,0)","v":0},{"$f":"IF(N1495=TRUE,12,0)","v":0},null," Number of Months",null,{"$f":"IF(R1495=TRUE,12,0)","v":0},{"$f":"IF(S1495=TRUE,12,0)","v":0}]
[" Total Number of Months",null,{"$f":"C1498+D1498","v":0},null,null," Total Number of Months",null,{"$f":"H1498+I1498","v":0},null,null," Total Number of Months",null,{"$f":"M1498+N1498","v":0},null,null," Total Number of Months",null,{"$f":"R1498+S1498","v":0}]
[" Avg Monthly S-Corp #1",null,{"$f":"IF(C1497=0,0,C1497/(C1498+D1498))","v":0},null,null," Avg Monthly S-Corp #1",null,{"$f":"IF(H1497=0,0,H1497/(H1498+I1498))","v":0},null,null," Avg Monthly S-Corp #1",null,{"$f":"IF(M1497=0,0,M1497/(M1498+N1498))","v":0},null,null," Avg Monthly S-Corp #1",null,{"$f":"IF(R1497=0,0,R1497/(R1498+S1498))","v":0}]
[]
["SCHEDULE E - S-CORPORATION #2"]
["Copy 1",null,null,null,null,"Copy 2",null,null,null,null,"Copy 3",null,null,null,null,"Copy 4"]
[" Schedule K-1 (1120S)",null,{"$f":"'Schedule E - S-Corps 1&2'!BX35","v":"Select Year"},{"$f":"'Schedule E - S-Corps 1&2'!CM35","v":"Select Year"},null," Schedule K-1 (1120S)",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$35","v":"Select Year"},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$35","v":"Select Year"},null," Schedule K-1 (1120S)",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$35","v":"Select Year"},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$35","v":"Select Year"},null," Schedule K-1 (1120S)",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$35","v":"Select Year"},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$35","v":"Select Year"}]
[" Ordinary Business Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2'!BX36","v":0},{"$f":"'Schedule E - S-Corps 1&2'!CM36","v":0},null," Ordinary Business Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$36","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$36","v":0},null," Ordinary Business Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$36","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$36","v":0},null," Ordinary Business Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$36","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$36","v":0}]
[" Net Rental Real Estate Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2'!BX37","v":0},{"$f":"'Schedule E - S-Corps 1&2'!CM37","v":0},null," Net Rental Real Estate Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$37","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$37","v":0},null," Net Rental Real Estate Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$37","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$37","v":0},null," Net Rental Real Estate Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$37","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$37","v":0}]
[" Other Net Rental Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2'!BX38","v":0},{"$f":"'Schedule E - S-Corps 1&2'!CM38","v":0},null," Other Net Rental Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$38","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$38","v":0},null," Other Net Rental Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$38","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$38","v":0},null," Other Net Rental Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$38","v":0},{"$f":"'Schedule E - S-Corps 1&2 (2)'!$CM$38","v":0}]
[" Subtotal Schedule K-1",null,{"$f":"SUM(C1505:C1507)","v":0},{"$f":"SUM(D1505:D1507)","v":0},null," Subtotal Schedule K-1",null,{"$f":"SUM(H1505:H1507)","v":0},{"$f":"SUM(I1505:I1507)","v":0},null," Subtotal Schedule K-1",null,{"$f":"SUM(M1505:M1507)","v":0},{"$f":"SUM(N1505:N1507)","v":0},null," Subtotal Schedule K-1",null,{"$f":"SUM(R1505:R1507)","v":0},{"$f":"SUM(S1505:S1507)","v":0}]
[]
[" Form 1120S",null,{"$f":"'Schedule E - S-Corps 1&2'!BX40","v":"Select Year"},{"$f":"'Schedule E - S-Corps 1&2'!CM40","v":"Select Year"},null," Form 1120S",null,{"$f":"'Schedule E - S-Corps 1&2'!$BX$40","v":"Select Year"},{"$f":"'Schedule E - S-Corps 1&2'!$CM$40","v":"Select Year"},null," Form 1120S",null,{"$f":"'Schedule E - S-Corps 1&2'!$BX$40","v":"Select Year"},{"$f":"'Schedule E - S-Corps 1&2'!$CM$40","v":"Select Year"},null," Form 1120S",null,{"$f":"'Schedule E - S-Corps 1&2'!$BX$40","v":"Select Year"},{"$f":"'Schedule E - S-Corps 1&2'!$CM$40","v":"Select Year"}]
[" Other Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2'!BX41","v":0},{"$f":"'Schedule E - S-Corps 1&2'!CM41","v":0},null," Other Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$41","v":0},{"$f":"'Schedule E - S-Corps 1&2'!$CM$41","v":0},null," Other Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$41","v":0},{"$f":"'Schedule E - S-Corps 1&2'!$CM$41","v":0},null," Other Income/Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$41","v":0},{"$f":"'Schedule E - S-Corps 1&2'!$CM$41","v":0}]
[" Depreciation/Depletion",null,{"$f":"'Schedule E - S-Corps 1&2'!BX42","v":0},{"$f":"'Schedule E - S-Corps 1&2'!CM42","v":0},null," Depreciation/Depletion",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$42","v":0},{"$f":"'Schedule E - S-Corps 1&2'!$CM$42","v":0},null," Depreciation/Depletion",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$42","v":0},{"$f":"'Schedule E - S-Corps 1&2'!$CM$42","v":0},null," Depreciation/Depletion",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$42","v":0},{"$f":"'Schedule E - S-Corps 1&2'!$CM$42","v":0}]
[" Amortization/Casualty Loss",null,{"$f":"'Schedule E - S-Corps 1&2'!BX43","v":0},{"$f":"'Schedule E - S-Corps 1&2'!CM43","v":0},null," Amortization/Casualty Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$43","v":0},{"$f":"'Schedule E - S-Corps 1&2'!$CM$43","v":0},null," Amortization/Casualty Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$43","v":0},{"$f":"'Schedule E - S-Corps 1&2'!$CM$43","v":0},null," Amortization/Casualty Loss",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$43","v":0},{"$f":"'Schedule E - S-Corps 1&2'!$CM$43","v":0}]
[" Mortgages payable < 1 year",null,{"$f":"'Schedule E - S-Corps 1&2'!BX44","v":0},{"$f":"'Schedule E - S-Corps 1&2'!CM44","v":0},null," Mortgages payable < 1 year",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$44","v":0},{"$f":"'Schedule E - S-Corps 1&2'!$CM$44","v":0},null," Mortgages payable < 1 year",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$44","v":0},{"$f":"'Schedule E - S-Corps 1&2'!$CM$44","v":0},null," Mortgages payable < 1 year",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$44","v":0},{"$f":"'Schedule E - S-Corps 1&2'!$CM$44","v":0}]
[" Meals & Entertainment",null,{"$f":"'Schedule E - S-Corps 1&2'!BX45","v":0},{"$f":"'Schedule E - S-Corps 1&2'!CM45","v":0},null," Meals & Entertainment",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$45","v":0},{"$f":"'Schedule E - S-Corps 1&2'!$CM$45","v":0},null," Meals & Entertainment",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$45","v":0},{"$f":"'Schedule E - S-Corps 1&2'!$CM$45","v":0},null," Meals & Entertainment",null,{"$f":"'Schedule E - S-Corps 1&2 (2)'!$BX$45","v":0},{"$f":"'Schedule E - S-Corps 1&2'!$CM$45","v":0}]
[" Subtotal",null,{"$f":"SUM(C1511:C1513)-SUM(C1514:C1515)","v":0},{"$f":"SUM(D1511:D1513)-SUM(D1514:D1515)","v":0},null," Subtotal",null,{"$f":"SUM(H1511:H1513)-SUM(H1514:H1515)","v":0},{"$f":"SUM(I1511:I1513)-SUM(I1514:I1515)","v":0},null," Subtotal",null,{"$f":"SUM(M1511:M1513)-SUM(M1514:M1515)","v":0},{"$f":"SUM(N1511:N1513)-SUM(N1514:N1515)","v":0},null," Subtotal",null,{"$f":"SUM(R1511:R1513)-SUM(R1514:R1515)","v":0},{"$f":"SUM(S1511:S1513)-SUM(S1514:S1515)","v":0}]
[" Percentage of Ownership",null,{"$f":"'Schedule E - S-Corps 1&2'!BX47","v":1},{"$f":"'Schedule E - S-Corps 1&2'!CM47","v":1},null," Percentage of Ownership",null,{"$f":"'Schedule E - S-Corps 1&2'!BX47","v":1},{"$f":"'Schedule E - S-Corps 1&2'!$CM$47","v":1},null," Percentage of Ownership",null,{"$f":"'Schedule E - S-Corps 1&2'!CC47","v":0},{"$f":"'Schedule E - S-Corps 1&2'!$CM$47","v":1},null," Percentage of Ownership",null,{"$f":"'Schedule E - S-Corps 1&2'!CH47","v":0},{"$f":"'Schedule E - S-Corps 1&2'!$CM$47","v":1}]
[" Subtotal Form 1120S",null,{"$f":"C1516*C1517","v":0},{"$f":"D1516*D1517","v":0},null," Subtotal Form 1120S",null,{"$f":"H1516*H1517","v":0},{"$f":"I1516*I1517","v":0},null," Subtotal Form 1120S",null,{"$f":"M1516*M1517","v":0},{"$f":"N1516*N1517","v":0},null," Subtotal Form 1120S",null,{"$f":"R1516*R1517","v":0},{"$f":"S1516*S1517","v":0}]
[" Total for S-Corp #1",null,{"$f":"C1508+C1518","v":0},{"$f":"D1508+D1518","v":0},null," Total for S-Corp #1",null,{"$f":"H1508+H1518","v":0},{"$f":"I1508+I1518","v":0},null," Total for S-Corp #1",null,{"$f":"M1508+M1518","v":0},{"$f":"N1508+N1518","v":0},null," Total for S-Corp #1",null,{"$f":"R1508+R1518","v":0},{"$f":"S1508+S1518","v":0}]
[" Include years option",null,false,false,null," Include years option",null,false,false,null," Include years option",null,false,false,null," Include years option",null,false,false]
[" Include years amounts",null,{"$f":"IF(C1520=TRUE,C1519,0)","v":0},{"$f":"IF(D1520=TRUE,D1519,0)","v":0},null," Include years amounts",null,{"$f":"IF(H1520=TRUE,H1519,0)","v":0},{"$f":"IF(I1520=TRUE,I1519,0)","v":0},null," Include years amounts",null,{"$f":"IF(M1520=TRUE,M1519,0)","v":0},{"$f":"IF(N1520=TRUE,N1519,0)","v":0},null," Include years amounts",null,{"$f":"IF(R1520=TRUE,R1519,0)","v":0},{"$f":"IF(S1520=TRUE,S1519,0)","v":0}]
[" Grand Total Income",null,{"$f":"C1521+D1521","v":0},null,null," Grand Total Income",null,{"$f":"H1521+I1521","v":0},null,null," Grand Total Income",null,{"$f":"M1521+N1521","v":0},null,null," Grand Total Income",null,{"$f":"R1521+S1521","v":0}]
[" Number of Months",null,{"$f":"IF(C1520=TRUE,12,0)","v":0},{"$f":"IF(D1520=TRUE,12,0)","v":0},null," Number of Months",null,{"$f":"IF(H1520=TRUE,12,0)","v":0},{"$f":"IF(I1520=TRUE,12,0)","v":0},null," Number of Months",null,{"$f":"IF(M1520=TRUE,12,0)","v":0},{"$f":"IF(N1520=TRUE,12,0)","v":0},null," Number of Months",null,{"$f":"IF(R1520=TRUE,12,0)","v":0},{"$f":"IF(S1520=TRUE,12,0)","v":0}]
[" Total Number of Months",null,{"$f":"C1523+D1523","v":0},null,null," Total Number of Months",null,{"$f":"H1523+I1523","v":0},null,null," Total Number of Months",null,{"$f":"M1523+N1523","v":0},null,null," Total Number of Months",null,{"$f":"R1523+S1523","v":0}]
[" Avg Monthly S-Corp #1",null,{"$f":"IF(C1522=0,0,C1522/(C1523+D1523))","v":0},null,null," Avg Monthly S-Corp #1",null,{"$f":"IF(H1522=0,0,H1522/(H1523+I1523))","v":0},null,null," Avg Monthly S-Corp #1",null,{"$f":"IF(M1522=0,0,M1522/(M1523+N1523))","v":0},null,null," Avg Monthly S-Corp #1",null,{"$f":"IF(R1522=0,0,R1522/(R1523+S1523))","v":0}]
[]
["INCOME FROM EMPLOYMENT-RELATED ASSETS"]
[]
[" Borrower Assets",null,"Asset Type",null,null,"Balance","W/D Penalty"]
[null,null,{"$f":"IF('Asset Income'!C12=\"\",\"\",'Asset Income'!C12)","v":" Borrower - 401(K)"},null,null,{"$f":"'Asset Income'!BL12","v":0},{"$f":"'Asset Income'!CB12","v":0},{"$f":"ROUNDDOWN(F1530*(100%-G1530),0)","v":0}]
[null,null,{"$f":"IF('Asset Income'!C13=\"\",\"\",'Asset Income'!C13)","v":" Borrower - IRA, Roth IRA"},null,null,{"$f":"'Asset Income'!BL13","v":0},{"$f":"'Asset Income'!CB13","v":0},{"$f":"ROUNDDOWN(F1531*(100%-G1531),0)","v":0}]
[null,null,{"$f":"IF('Asset Income'!C14=\"\",\"\",'Asset Income'!C14)","v":" Borrower - Stocks, Bonds & Mutual Funds"},null,null,{"$f":"'Asset Income'!BL14","v":0},null,{"$f":"ROUNDDOWN(F1532,0)","v":0}]
[null,null,{"$f":"IF('Asset Income'!C15=\"\",\"\",'Asset Income'!C15)","v":" Borrower - Other"},null,null,{"$f":"'Asset Income'!BL15","v":0},{"$f":"'Asset Income'!CB15","v":0},{"$f":"ROUNDDOWN(F1533,0)","v":0}]
[null,null," Sub-Total Borrower Assets",null,null,null,null,{"$f":"SUM(H1530:H1533)","v":0}]
[]
[null,null,{"$f":"IF('Asset Income'!C16=\"\",\"\",'Asset Income'!C16)","v":" Co-Borrower - 401(K)"},null,null,{"$f":"'Asset Income'!BL16","v":0},{"$f":"'Asset Income'!CB16","v":0},{"$f":"ROUNDDOWN(F1536*(100%-G1536),0)","v":0}]
[null,null,{"$f":"IF('Asset Income'!C17=\"\",\"\",'Asset Income'!C17)","v":" Co-Borrower - IRA, Roth IRA"},null,null,{"$f":"'Asset Income'!BL17","v":0},{"$f":"'Asset Income'!CB17","v":0},{"$f":"ROUNDDOWN(F1537*(100%-G1537),0)","v":0}]
[null,null,{"$f":"IF('Asset Income'!C18=\"\",\"\",'Asset Income'!C18)","v":" Co-Borrower - Stocks, Bonds & Mutual Funds"},null,null,{"$f":"'Asset Income'!BL18","v":0},null,{"$f":"ROUNDDOWN(F1538,0)","v":0}]
[null,null,{"$f":"IF('Asset Income'!C19=\"\",\"\",'Asset Income'!C19)","v":" Co-Borrower - Other"},null,null,{"$f":"'Asset Income'!BL19","v":0},{"$f":"'Asset Income'!CB19","v":0},{"$f":"ROUNDDOWN(F1539,0)","v":0}]
[null,null," Sub-Total Co-Borrower Assets",null,null,null,null,{"$f":"SUM(H1536:H1539)","v":0}]
[]
[null,null," Sub-Total All Assets",null,null,null,null,{"$f":"H1534+H1540","v":0}]
[null,null," Less funds required for closing",null,null,null,null,{"$f":"ROUNDUP('Asset Income'!CL21,0)","v":0}]
[null,null," Desired borrower's portion of closing costs",null,null,null,null,{"$f":"H1543-H1545","v":0}]
[null,null," Desired co-borrower's portion of closing costs",null,null,null,null,{"$f":"IF(H1540>ROUNDUP(H1543*50%,0),ROUNDUP(H1543*50%,0),H1540)","v":0}]
[]
[null,null," Borrower's maximum portion of closing costs",null,null,null,null,{"$f":"IF(AND(H1534>H1543,H1540>H1543),ROUNDUP(H1543*50%,0),IF(H1543<H1534,H1543,H1534))","v":0}]
[null,null," Co-Borrower's maximum portion of closing costs",null,null,null,null,{"$f":"IF(AND(H1543<H1534,H1543<H1540),ROUNDUP(H1543*50%,0),IF(H1543<H1540,H1543,H1540))","v":0}]
[]
[null,null," Sub-Total Borrower Assets",null,null,null,null,{"$f":"H1534","v":0}]
[null,null," Borrower's portion of closing costs",null,null,null,null,{"$f":"H1544","v":0}]
[null,null," Sub-Total Borrower Assets",null,null,null,null,{"$f":"H1550-H1551","v":0}]
[null,null," Less Net Factor (30% of the remaining value of S/B/MF)",null,null,null,null,{"$f":"IF(H1552<0,0,IF((H1530+H1531+H1533)>H1551,ROUNDUP(H1532*30%,0),ROUNDUP(H1552*30%,0)))","v":0}]
[null,null," Sub-Total Borrower Assets",null,null,null,null,{"$f":"H1552-H1553","v":0}]
[null,null," Loan Term",null,null,null,null,{"$f":"'Asset Income'!CL25","v":360}]
[null,null," Borrower - Monthly Income",null,null,null,null,{"$f":"ROUNDDOWN(H1554/H1555,0)","v":0}]
[]
[null,null," Sub-Total Co-Borrower Assets",null,null,null,null,{"$f":"H1540","v":0}]
[null,null," Borrower's portion of closing costs",null,null,null,null,{"$f":"IF(H1534=0,H1543,H1545)","v":0}]
[null,null," Sub-Total Borrower Assets",null,null,null,null,{"$f":"H1558-H1559","v":0}]
[null,null," Less Net Factor (30% of the remaining value of S/B/MF)",null,null,null,null,{"$f":"IF(H1560<0,0,IF((H1536+H1537+H1539)>H1559,ROUNDUP(H1538*30%,0),ROUNDUP(H1560*30%,0)))","v":0}]
[null,null," Sub-Total Co-Borrower Assets",null,null,null,null,{"$f":"H1560-H1561","v":0}]
[null,null," Loan Term",null,null,null,null,{"$f":"'Asset Income'!CL25","v":360}]
[null,null," Co-Borrower - Monthly Income",null,null,null,null,{"$f":"ROUNDDOWN(H1562/H1563,0)","v":0}]
[]
[null,null," Sub-Total Eligible Documented Assets",null,null,null,null,{"$f":"H1542","v":0}]
[null,null," Less Funds Required for Closing",null,null,null,null,{"$f":"H1543","v":0}]
[null,null,{"$f":"IF(H1543>H1542,\" Sub-Total Eligible Documented Assets (none available for income from assets)\",\" Sub-Total Eligible Documented Assets\")","v":" Sub-Total Eligible Documented Assets"},null,null,null,null,{"$f":"IF(H1543>H1542,0,H1566-H1567)","v":0}]
[null,null," Total Net Factor (30% of the remaining value of S/B/MF) combined",null,null,null,null,{"$f":"IF(H1543>H1542,0,H1553+H1561)","v":0}]
[null,null," Net Documented Assets",null,null,null,null,{"$f":"IF(H1543>H1542,0,H1568-H1569)","v":0}]
[null,null," Loan Term",null,null,null,null,{"$f":"'Asset Income'!CL25","v":360}]
[null,null," Borrower - Monthly Income",null,null,null,null,{"$f":"IF(OR(H1543>=H1542,H1556<0),0,H1556)","v":0}]
[null,null," Co-Borrower - Monthly Income",null,null,null,null,{"$f":"IF(OR(H1543>=H1542,H1564<0),0,H1564)","v":0}]
[null,null," Grand Total Monthly Income Combined",null,null,null,null,{"$f":"H1572+H1573","v":0}]
[]
[]
["INCOME FROM LIQUID ASSETS (NOT EMPLOYMENT-RELATED)"]
[]
[" Borrower Assets",null,"Asset Type"]
[null,null,{"$f":"'Asset Income'!C34","v":" Borrower - 401(K)"},null,null,null,null,{"$f":"'Asset Income'!CL34","v":0},{"$f":"SUM(I1530:I1536)","v":0}]
[null,null,{"$f":"'Asset Income'!C35","v":" Borrower - IRA, Roth IRA"},null,null,null,null,{"$f":"'Asset Income'!CL35","v":0}]
[null,null,{"$f":"'Asset Income'!C36","v":" Borrower - Stocks, Bonds & Mutual Funds"},null,null,null,null,{"$f":"'Asset Income'!CL36","v":0}]
[null,null,{"$f":"'Asset Income'!C37","v":" Borrower - Other"},null,null,null,null,{"$f":"'Asset Income'!CL37","v":0}]
[null,null," Sub-Total Borrower Assets",null,null,null,null,{"$f":"SUM(H1580:H1583)","v":0}]
[null,null,{"$f":"'Asset Income'!C38","v":" Co-Borrower - 401(K)"},null,null,null,null,{"$f":"'Asset Income'!CL38","v":0}]
[null,null,{"$f":"'Asset Income'!C39","v":" Co-Borrower - IRA, Roth IRA"},null,null,null,null,{"$f":"'Asset Income'!CL39","v":0}]
[null,null,{"$f":"'Asset Income'!C40","v":" Co-Borrower - Stocks, Bonds & Mutual Funds"},null,null,null,null,{"$f":"'Asset Income'!CL40","v":0}]
[null,null,{"$f":"'Asset Income'!C41","v":" Co-Borrower - Other"},null,null,null,null,{"$f":"'Asset Income'!CL41","v":0}]
[null,null," Sub-Total Co-Borrower Assets",null,null,null,null,{"$f":"SUM(H1585:H1588)","v":0}]
[]
[null,null," Sub-Total All Assets",null,null,null,null,{"$f":"H1584+H1589","v":0}]
[null,null," Less funds required for closing",null,null,null,null,{"$f":"'Asset Income'!CL44","v":0}]
[null,null," Desired borrower's portion of closing costs",null,null,null,null,{"$f":"H1592-H1594","v":0}]
[null,null," Desired co-borrower's portion of closing costs",null,null,null,null,{"$f":"IF(H1589>ROUNDUP(H1592*50%,0),ROUNDUP(H1592*50%,0),H1589)","v":0}]
[]
[null,null," Borrower's maximum portion of closing costs",null,null,null,null,{"$f":"IF(AND(H1584>H1592,H1589>H1592),ROUNDUP(H1592*50%,0),IF(H1592<H1584,H1592,H1584))","v":0}]
[null,null," Co-Borrower's maximum portion of closing costs",null,null,null,null,{"$f":"IF(AND(H1592<H1584,H1592<H1589),ROUNDUP(H1592*50%,0),IF(H1592<H1589,H1592,H1589))","v":0}]
[]
[null,null," Sub-Total Borrower Assets",null,null,null,null,{"$f":"H1584","v":0}]
[null,null," Borrower's portion of closing costs",null,null,null,null,{"$f":"H1593","v":0}]
[null,null," Sub-Total Borrower Assets",null,null,null,null,{"$f":"H1599-H1600","v":0}]
[null,null," Less Net Factor (30% of the remaining value of S/B/MF)",null,null,null,null,{"$f":"IF(H1601<0,0,IF((H1580+H1581+H1583)>H1600,ROUNDUP(H1582*30%,0),ROUNDUP(H1601*30%,0)))","v":0}]
[null,null," Sub-Total Borrower Assets",null,null,null,null,{"$f":"H1601-H1602","v":0}]
[null,null," Loan Term",null,null,null,null,{"$f":"'Asset Income'!CL48","v":360}]
[null,null," Borrower - Monthly Income",null,null,null,null,{"$f":"ROUNDDOWN(H1603/H1604,0)","v":0}]
[]
[null,null," Sub-Total Co-Borrower Assets",null,null,null,null,{"$f":"H1589","v":0}]
[null,null," Borrower's portion of closing costs",null,null,null,null,{"$f":"IF(H1584=0,H1592,H1594)","v":0}]
[null,null," Sub-Total Borrower Assets",null,null,null,null,{"$f":"H1607-H1608","v":0}]
[null,null," Less Net Factor (30% of the remaining value of S/B/MF)",null,null,null,null,{"$f":"IF(H1609<0,0,IF((H1585+H1586+H1588)>H1608,ROUNDUP(H1587*30%,0),ROUNDUP(H1609*30%,0)))","v":0}]
[null,null," Sub-Total Co-Borrower Assets",null,null,null,null,{"$f":"H1609-H1610","v":0}]
[null,null," Loan Term",null,null,null,null,{"$f":"'Asset Income'!CL48","v":360}]
[null,null," Co-Borrower - Monthly Income",null,null,null,null,{"$f":"ROUNDDOWN(H1611/H1612,0)","v":0}]
[]
[" Income Calc - Option 1",null," Sub-Total Eligible Documented Assets",null,null,null,null,{"$f":"H1591","v":0}]
[null,null," Less Funds Required for Closing",null,null,null,null,{"$f":"H1592","v":0}]
[null,null,{"$f":"IF(H1592>H1591,\" Sub-Total Eligible Documented Assets (none available for income from assets)\",\" Sub-Total Eligible Documented Assets\")","v":" Sub-Total Eligible Documented Assets"},null,null,null,null,{"$f":"IF(H1592>H1591,0,ROUNDDOWN(H1615-H1616,0))","v":0}]
[null,null," Total Net Factor (30% of the remaining value of S/B/MF) combined",null,null,null,null,{"$f":"IF(H1592>H1591,0,H1602+H1610)","v":0}]
[null,null," Net Documented Assets",null,null,null,null,{"$f":"IF(H1592>H1591,0,H1617-H1618)","v":0}]
[null,null," Loan Term",null,null,null,null,{"$f":"'Asset Income'!CL48","v":360}]
[null,null," Borrower - Monthly Income",null,null,null,null,{"$f":"IF(OR(H1592>=H1591,H1605<0),0,H1605)","v":0}]
[null,null," Co-Borrower - Monthly Income",null,null,null,null,{"$f":"IF(OR(H1592>=H1591,H1613<0),0,H1613)","v":0}]
[null,null," Grand Total Monthly Income Combined",null,null,null,null,{"$f":"H1621+H1622","v":0}]
[]
[" Income Calc - Option 2",null," Sub-Total Eligible Documented Assets",null,null,null,null,{"$f":"H1591","v":0}]
[null,null," Less Funds Required for Closing",null,null,null,null,{"$f":"'Asset Income'!CL54","v":0}]
[null,null,{"$f":"IF(H1602>H1601,\" Eligible Net Documented Assets (none available for income from assets)\",\" Eligible Net Documented Assets\")","v":" Eligible Net Documented Assets"},null,null,null,null,{"$f":"IF(H1592>H1591,0,ROUNDDOWN(H1625-H1626,0))","v":0}]
[null,null," Total Net Factor (30% of the remaining value of S/B/MF) combined",null,null,null,null,{"$f":"IF(H1592>H1591,0,H1602+H1610)","v":0}]
[null,null," Eligible Net Documented Assets",null,null,null,null,{"$f":"IF(H1592>H1591,0,H1627-H1628)","v":0}]
[null,null," Future Value",null,null,null,null,0]
[null,null," Mid-Term Federal Interest Rate - current",null,null,{"$f":"IF('Asset Income'!AY59=\"\",\"\",'Asset Income'!AY59)","v":""},{"$f":"'Asset Income'!CA59","v":0},{"$f":"ROUNDUP(AVERAGE(G1631:G1632),2)","v":0}]
[null,null," Mid-Term Federal Interest Rate - past",null,null,{"$f":"IF('Asset Income'!AY59=\"\",\"\",DATE(YEAR(F1631)-1,MONTH(F1631),DAY(F1631)))","v":""},{"$f":"'Asset Income'!CA60","v":0}]
[null,null," Loan Term",null,null,null,null,{"$f":"'Asset Income'!CL61","v":360}]
[null,null," Borrower - Monthly Income",null,null,null,null,{"$f":"IF(H1592>=H1591,0,ROUNDDOWN(ABS(PMT(H1631/12,H1633,H1603,0,1)),0))","v":0}]
[null,null," Co-Borrower - Monthly Income",null,null,null,null,{"$f":"IF(H1592>=H1591,0,ROUNDDOWN(ABS(PMT(H1631/12,H1633,H1611,0,1)),0))","v":0}]
[null,null," Grand Total Monthly Income Combined",null,null,null,null,{"$f":"H1634+H1635","v":0}]
[]
[]
[" GRANT TOTAL ALL INCOME FROM ASSETS"]
[]
[null,null," BORROWER - GRAND TOTAL INCOME FROM ALL ASSETS",null,null,null,null,{"$f":"H1572+MAX(H1621,H1634)","v":0}]
[null,null," CO-BORROWER - GRAND TOTAL INCOME FROM ALL ASSETS",null,null,null,null,{"$f":"H1573+MAX(H1622,H1635)","v":0}]
[null,null," GRAND TOTAL INCOME FROM ALL ASSETS",null,null,null,null,{"$f":"H1641+H1642","v":0}]

{"sheet":"Residual Inc","index":32,"n_rows":58,"n_cols":86,"rows_kept":58,"cut":false,"hidden":true,"merged":[[13,2,13,50],[23,2,23,104],[21,3,21,103],[24,54,24,84],[25,54,25,84],[24,2,24,53],[25,2,25,53],[19,2,19,84],[19,85,19,104],[22,2,22,104],[20,2,20,84],[20,85,20,104],[47,2,47,104],[41,85,41,104],[40,2,40,104],[41,2,41,84],[39,2,39,104],[38,2,38,104],[33,2,33,72],[33,73,33,104],[37,2,37,72],[37,73,37,104],[34,2,34,104],[36,2,36,104],[7,2,7,104],[8,2,8,104],[29,3,29,103],[18,2,18,84],[28,85,28,104],[24,85,24,104],[25,85,25,104],[10,85,10,104],[18,85,18,104],[13,85,13,104],[12,2,12,84],[13,64,13,84],[26,85,26,104],[27,85,27,104],[26,54,26,84],[27,54,27,84],[0,1,0,105],[5,2,5,104],[6,2,6,13],[6,82,6,104],[1,1,1,105],[2,1,2,105],[3,1,3,105],[4,1,4,105],[6,14,6,68],[6,69,6,81],[9,2,9,104],[11,2,11,84],[14,2,14,84],[31,2,31,104],[14,85,14,104],[30,2,30,104],[11,85,11,104],[12,85,12,104],[15,2,15,104],[16,2,16,104],[17,2,17,104],[26,2,26,53],[10,2,10,22],[10,23,10,43],[10,44,10,84],[13,51,13,63],[28,54,28,84],[27,2,27,53],[28,2,28,53],[52,2,52,104],[49,2,49,104],[45,2,45,104],[44,2,44,104],[42,2,42,104],[51,2,51,104],[50,2,50,104],[48,2,48,104],[46,2,46,104],[43,2,43,104],[32,2,32,104],[35,73,35,104],[35,2,35,72],[54,1,54,105],[53,1,53,105],[55,1,55,105],[56,1,56,105],[57,1,57,105]]}
[]
[]
[null,"Income Calculations Worksheet"]
[null,"Residual Income"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[]
[]
[null,null,"BASIC INFORMATION"]
[null,null," Total Loan Amount (",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Loan Type",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,")"]
[null,null," Total Subject Property PITIA"]
[null,null," Total All Other Liabilities"]
[null,null," Housing Maintenance (subject prop square feet = ",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,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,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,{"$f":"'Res Inc Data'!B12","v":0}]
[null,null," Total Subject Property PITIA, Debts & Housing Maintenance:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Res Inc Data'!B13","v":0}]
[]
[]
[null,null,"TOTAL GROSS INCOME (see Note #1 below)"]
[null,null," Total Taxable Gross Monthly Income"]
[null,null," Total Non-Taxable Gross Monthly Income"]
[null,null," Grand Total Combined Gross Monthly Income",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,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,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,{"$f":"'Res Inc Data'!B17","v":0}]
[null,null,null,"Note #1:  Include income from all borrowers obligated on the mortgage. Do not include income from non-occupying co-borrowers, co-signers, non-borrowing spouse, or other parties not obligated on the mortgage."]
[]
[null,null,"TOTAL DEDUCTIONS"]
[null,null," Federal Income Tax (see Note #2 below)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"[VA 26-6393, Loan Analysis Line 32]"]
[null,null," Social Security and Medicare",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"[VA 26-6393, Loan Analysis Line 34]",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"'Res Inc Data'!B20","v":0}]
[null,null," State Income Tax (see Note #3 below)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"[VA 26-6393, Loan Analysis Line 33]"]
[null,null," Total Non-Taxable Income actual grossed-up amount",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"[VA 26-6393, Loan Analysis Line 35]"]
[null,null," Grand Total Deductions",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"[VA 26-6393, Loan Analysis Line 36]",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,null,null,{"$f":"'Res Inc Data'!B23","v":0}]
[null,null,null,"Note #2:  Federal Income Tax amount is to be determined using IRS Tax Charts or online payroll calculator.\nNote #3:  State Income Tax amount is to be determined using State Income Tax Charts or online payroll calculator."]
[]
[null,null,"ADDITIONAL DATA"]
[]
[null,null," Current Military Status (Active Duty or Separated from Service)",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select for VA Loans ONLY"]
[]
[null,null," State where subject property is located (select from drop down list):",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null," COLORADO"]
[]
[null,null," Total Exemptions (total of all household members):",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[]
[]
[null,null,"RESIDUAL INCOME RESULTS"]
[null,null," Actual Residual Income",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,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,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,{"$f":"RESIDUALACTUAL","v":0}]
[]
[null,null,"Residual income calculations are based on the following:"]
[null,null,{"$f":"'Res Inc Data'!B43","v":""}]
[null,null,{"$f":"'Res Inc Data'!B44","v":"Required Residual Income = $425.00"}]
[null,null,{"$f":"'Res Inc Data'!B45","v":""}]
[null,null,{"$f":"'Res Inc Data'!B46","v":""}]
[]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility"]
[null,"for the accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet."]
[null,"It is the responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any"]
[null,"documentation used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"SE FNMA 1084","index":33,"n_rows":364,"n_cols":97,"rows_kept":364,"cut":false,"hidden":true,"merged":[[44,1,44,2],[45,1,45,2],[43,3,43,67],[44,3,44,67],[45,3,45,67],[46,1,46,2],[46,3,46,107],[44,68,44,72],[44,73,44,85],[44,86,44,89],[44,90,44,94],[44,95,44,107],[54,1,54,2],[55,1,55,2],[50,3,50,67],[51,3,51,67],[52,3,52,67],[53,3,53,67],[54,3,54,67],[55,3,55,67],[49,1,49,2],[49,3,49,107],[50,1,50,2],[51,1,51,2],[52,1,52,2],[53,1,53,2],[53,90,53,94],[53,95,53,107],[54,68,54,72],[54,73,54,85],[54,86,54,89],[54,90,54,94],[43,1,43,2],[36,95,36,107],[37,1,37,2],[37,3,37,107],[38,1,38,108],[39,1,39,2],[39,3,39,67],[39,68,39,73],[39,74,39,85],[39,86,39,89],[39,90,39,95],[43,90,43,94],[43,95,43,107],[43,68,43,72],[43,73,43,85],[43,86,43,89],[41,1,41,2],[41,3,41,107],[42,1,42,2],[42,3,42,107],[34,1,34,2],[34,3,34,107],[35,1,35,2],[36,1,36,2],[35,3,35,67],[36,3,36,67],[36,68,36,72],[36,73,36,85],[36,86,36,89],[35,90,35,94],[35,95,35,107],[36,90,36,94],[35,68,35,72],[35,73,35,85],[35,86,35,89],[39,96,39,107],[40,1,40,2],[40,3,40,107],[25,1,25,2],[24,68,24,72],[24,73,24,85],[24,86,24,89],[24,90,24,94],[24,95,24,107],[23,1,23,2],[23,3,23,107],[24,3,24,67],[27,86,27,89],[27,3,27,67],[28,3,28,67],[29,3,29,67],[32,1,32,108],[33,1,33,2],[33,3,33,67],[33,68,33,73],[33,74,33,85],[33,86,33,89],[33,90,33,95],[33,96,33,107],[30,1,30,2],[31,1,31,2],[31,3,31,107],[30,3,30,67],[30,68,30,72],[30,73,30,85],[30,86,30,89],[30,90,30,94],[30,95,30,107],[19,90,19,94],[19,95,19,107],[19,68,19,72],[19,73,19,85],[19,86,19,89],[18,68,18,72],[18,73,18,85],[18,86,18,89],[18,90,18,94],[21,1,21,108],[13,73,13,85],[13,86,13,89],[13,90,13,94],[22,90,22,95],[22,96,22,107],[29,90,29,94],[29,95,29,107],[29,68,29,72],[29,73,29,85],[29,86,29,89],[28,1,28,2],[29,1,29,2],[27,90,27,94],[27,95,27,107],[28,68,28,72],[28,73,28,85],[28,86,28,89],[28,90,28,94],[28,95,28,107],[27,68,27,72],[27,73,27,85],[24,1,24,2],[208,1,208,108],[209,1,209,108],[210,1,210,108],[16,68,16,73],[16,74,16,85],[16,86,16,89],[16,90,16,95],[16,96,16,107],[202,2,202,107],[203,2,203,107],[204,2,204,107],[205,2,205,107],[206,1,206,108],[207,1,207,108],[201,2,201,61],[201,62,201,74],[201,75,201,78],[201,79,201,91],[201,92,201,95],[201,96,201,107],[200,2,200,61],[18,1,18,2],[19,1,19,2],[18,3,18,67],[19,3,19,67],[20,1,20,2],[20,3,20,107],[22,1,22,2],[22,3,22,67],[22,68,22,73],[22,74,22,85],[22,86,22,89],[198,2,198,61],[198,62,198,74],[198,75,198,78],[198,79,198,91],[198,92,198,95],[198,96,198,107],[197,2,197,61],[197,62,197,74],[197,75,197,78],[197,79,197,91],[197,92,197,95],[197,96,197,107],[200,62,200,74],[200,75,200,78],[200,79,200,91],[200,92,200,95],[200,96,200,107],[199,2,199,61],[199,62,199,74],[199,75,199,78],[199,79,199,91],[199,92,199,95],[199,96,199,107],[194,2,194,61],[194,62,194,74],[194,75,194,78],[194,79,194,91],[194,92,194,95],[194,96,194,107],[193,2,193,61],[193,62,193,74],[193,75,193,78],[193,79,193,91],[193,92,193,95],[193,96,193,107],[196,2,196,61],[196,62,196,74],[196,75,196,78],[196,79,196,91],[196,92,196,95],[196,96,196,107],[195,2,195,61],[195,62,195,74],[195,75,195,78],[195,79,195,91],[195,92,195,95],[195,96,195,107],[190,2,190,61],[190,62,190,74],[190,75,190,78],[190,79,190,91],[190,92,190,95],[190,96,190,107],[189,2,189,61],[189,62,189,74],[189,75,189,78],[189,79,189,91],[189,92,189,95],[189,96,189,107],[192,2,192,61],[192,62,192,74],[192,75,192,78],[192,79,192,91],[192,92,192,95],[192,96,192,107],[191,2,191,61],[191,62,191,74],[191,75,191,78],[191,79,191,91],[191,92,191,95],[191,96,191,107],[186,2,186,61],[186,62,186,74],[186,75,186,78],[186,79,186,91],[186,92,186,95],[186,96,186,107],[185,2,185,61],[185,62,185,74],[185,75,185,78],[185,79,185,91],[185,92,185,95],[185,96,185,107],[188,2,188,61],[188,62,188,74],[188,75,188,78],[188,79,188,91],[188,92,188,95],[188,96,188,107],[187,2,187,61],[187,62,187,74],[187,75,187,78],[187,79,187,91],[187,92,187,95],[187,96,187,107],[182,2,182,61],[182,62,182,74],[182,75,182,78],[182,79,182,91],[182,92,182,95],[182,96,182,107],[178,2,178,107],[180,2,180,107],[181,2,181,61],[181,62,181,74],[181,75,181,78],[181,79,181,91],[181,92,181,95],[181,96,181,107],[179,1,179,108],[184,2,184,61],[184,62,184,74],[184,75,184,78],[184,79,184,91],[184,92,184,95],[184,96,184,107],[183,2,183,61],[183,62,183,74],[183,75,183,78],[183,79,183,91],[183,92,183,95],[183,96,183,107],[175,2,175,67],[175,68,175,72],[175,73,175,85],[175,86,175,89],[175,90,175,94],[175,95,175,107],[174,2,174,67],[174,68,174,72],[174,73,174,85],[174,86,174,89],[174,90,174,94],[174,95,174,107],[177,2,177,67],[177,68,177,72],[177,73,177,85],[177,86,177,89],[177,90,177,94],[177,95,177,107],[176,2,176,67],[176,68,176,72],[176,73,176,85],[176,86,176,89],[176,90,176,94],[176,95,176,107],[168,2,168,107],[170,2,170,107],[171,2,171,67],[171,68,171,94],[171,95,171,107],[165,70,165,71],[166,52,166,53],[166,70,166,71],[167,2,167,6],[167,7,167,50],[167,51,167,68],[167,69,167,86],[169,1,169,108],[173,2,173,67],[173,68,173,72],[173,73,173,85],[173,86,173,89],[173,90,173,94],[173,95,173,107],[172,2,172,67],[172,68,172,72],[172,73,172,85],[172,86,172,89],[172,90,172,94],[172,95,172,107],[164,2,166,6],[164,7,166,50],[164,52,164,53],[164,54,166,68],[164,70,164,71],[164,72,166,86],[164,87,166,92],[163,75,163,86],[163,87,163,92],[167,87,167,92],[167,93,167,107],[149,87,149,92],[153,72,155,86],[153,87,155,92],[153,93,155,107],[154,52,154,53],[154,70,154,71],[155,52,155,53],[155,70,155,71],[151,70,151,71],[152,52,152,53],[152,70,152,71],[157,87,159,92],[157,93,159,107],[158,52,158,53],[158,70,158,71],[159,52,159,53],[159,70,159,71],[157,52,157,53],[157,54,159,68],[157,70,157,71],[157,72,159,86],[146,87,148,92],[146,93,148,107],[147,52,147,53],[147,70,147,71],[148,52,148,53],[148,70,148,71],[146,2,148,6],[146,7,148,50],[146,52,146,53],[146,54,148,68],[146,70,146,71],[146,72,148,86],[153,2,155,6],[153,7,155,50],[153,52,153,53],[153,54,155,68],[153,70,153,71],[149,93,149,107],[150,2,152,6],[150,7,152,50],[150,52,150,53],[150,54,152,68],[150,70,150,71],[150,72,152,86],[150,87,152,92],[150,93,152,107],[151,52,151,53],[149,2,149,50],[149,51,149,56],[149,57,149,68],[149,69,149,74],[149,75,149,86],[140,87,142,92],[140,93,142,107],[141,52,141,53],[141,70,141,71],[142,52,142,53],[142,70,142,71],[140,2,142,6],[140,7,142,50],[140,52,140,53],[140,54,142,68],[140,70,140,71],[140,72,142,86],[143,87,145,92],[143,93,145,107],[144,52,144,53],[144,70,144,71],[145,52,145,53],[145,70,145,71],[143,2,145,6],[143,7,145,50],[143,52,143,53],[143,54,145,68],[143,70,143,71],[143,72,145,86],[134,87,136,92],[134,93,136,107],[135,52,135,53],[135,70,135,71],[136,52,136,53],[136,70,136,71],[134,2,136,6],[134,7,136,50],[134,52,134,53],[134,54,136,68],[134,70,134,71],[134,72,136,86],[137,87,139,92],[137,93,139,107],[138,52,138,53],[138,70,138,71],[139,52,139,53],[139,70,139,71],[137,2,139,6],[137,7,139,50],[137,52,137,53],[137,54,139,68],[137,70,137,71],[137,72,139,86],[128,2,128,108],[129,2,129,107],[130,2,130,50],[130,51,130,56],[130,57,130,68],[130,69,130,74],[130,75,130,86],[130,87,130,92],[130,93,130,107],[127,1,127,108],[131,87,133,92],[131,93,133,107],[132,52,132,53],[132,70,132,71],[133,52,133,53],[133,70,133,71],[131,2,133,6],[131,7,133,50],[131,52,131,53],[131,54,133,68],[131,70,131,71],[131,72,133,86],[124,90,124,94],[124,95,124,107],[125,2,125,5],[125,6,125,9],[125,10,125,67],[125,68,125,72],[125,73,125,85],[125,86,125,89],[125,90,125,94],[125,95,125,107],[124,2,124,5],[124,6,124,9],[124,10,124,67],[124,68,124,72],[124,73,124,85],[124,86,124,89],[126,2,126,107],[121,2,121,5],[121,6,121,9],[121,10,121,67],[121,68,121,72],[121,73,121,85],[121,86,121,89],[121,90,121,94],[121,95,121,107],[120,2,120,5],[120,6,120,9],[120,10,120,67],[120,68,120,72],[120,73,120,85],[120,86,120,89],[122,90,122,94],[122,95,122,107],[123,2,123,5],[123,6,123,9],[123,10,123,67],[123,68,123,72],[123,73,123,85],[123,86,123,89],[123,90,123,94],[123,95,123,107],[122,2,122,5],[122,6,122,9],[122,10,122,67],[122,68,122,72],[122,73,122,85],[122,86,122,89],[118,90,118,94],[118,95,118,107],[119,2,119,5],[119,6,119,9],[119,10,119,67],[119,68,119,72],[119,73,119,85],[119,86,119,89],[119,90,119,94],[119,95,119,107],[118,2,118,5],[118,6,118,9],[118,10,118,67],[118,68,118,72],[118,73,118,85],[118,86,118,89],[120,90,120,94],[120,95,120,107],[115,2,115,5],[115,6,115,9],[115,10,115,67],[115,68,115,72],[115,73,115,85],[115,86,115,89],[115,90,115,94],[115,95,115,107],[114,2,114,5],[114,6,114,9],[114,10,114,67],[114,68,114,72],[114,73,114,85],[114,86,114,89],[116,90,116,94],[116,95,116,107],[117,2,117,5],[117,6,117,9],[117,10,117,67],[117,68,117,72],[117,73,117,85],[117,86,117,89],[117,90,117,94],[117,95,117,107],[116,2,116,5],[116,6,116,9],[116,10,116,67],[116,68,116,72],[116,73,116,85],[116,86,116,89],[112,96,112,107],[113,2,113,5],[113,6,113,9],[113,10,113,67],[113,68,113,72],[113,73,113,85],[113,86,113,89],[113,90,113,94],[113,95,113,107],[112,2,112,5],[112,6,112,67],[112,68,112,73],[112,74,112,85],[112,86,112,89],[112,90,112,95],[114,90,114,94],[114,95,114,107],[108,61,108,106],[109,2,109,107],[110,2,110,67],[110,68,110,107],[111,2,111,107],[104,90,104,94],[104,95,104,107],[105,2,105,5],[105,6,105,9],[105,10,105,67],[105,68,105,72],[105,73,105,85],[105,86,105,89],[105,90,105,94],[105,95,105,107],[104,2,104,5],[104,6,104,9],[104,10,104,67],[104,68,104,72],[104,73,104,85],[104,86,104,89],[100,2,100,5],[100,6,100,9],[100,10,100,67],[100,68,100,72],[100,73,100,85],[100,86,100,89],[102,90,102,94],[102,95,102,107],[103,6,103,9],[103,10,103,67],[103,68,103,72],[103,73,103,85],[103,86,103,89],[103,90,103,94],[103,95,103,107],[106,2,106,107],[107,1,107,108],[98,90,98,94],[98,95,98,107],[99,2,99,5],[99,6,99,9],[99,10,99,67],[99,68,99,72],[99,73,99,85],[99,86,99,89],[99,90,99,94],[99,95,99,107],[98,2,98,5],[98,6,98,9],[98,10,98,67],[98,68,98,72],[98,73,98,85],[98,86,98,89],[102,2,102,5],[102,6,102,9],[102,10,102,67],[102,68,102,72],[102,73,102,85],[102,86,102,89],[100,90,100,94],[100,95,100,107],[101,2,101,5],[101,6,101,9],[101,10,101,67],[101,68,101,72],[101,73,101,85],[101,86,101,89],[101,90,101,94],[101,95,101,107],[94,2,94,107],[95,2,95,5],[95,6,95,67],[95,68,95,72],[95,73,95,85],[95,86,95,89],[95,90,95,94],[95,95,95,107],[93,2,93,5],[93,6,93,9],[93,10,93,67],[93,68,93,72],[93,73,93,85],[93,86,93,89],[96,90,96,94],[96,95,96,107],[97,2,97,5],[97,6,97,9],[97,10,97,67],[97,68,97,72],[97,73,97,85],[97,86,97,89],[97,90,97,94],[97,95,97,107],[96,2,96,5],[96,6,96,9],[96,10,96,67],[96,68,96,72],[96,73,96,85],[96,86,96,89],[91,2,91,5],[91,6,91,67],[91,68,91,73],[91,74,91,85],[91,86,91,89],[91,90,91,95],[91,96,91,107],[92,2,92,5],[92,6,92,9],[92,10,92,67],[92,68,92,72],[92,73,92,85],[92,86,92,89],[92,90,92,94],[92,95,92,107],[93,90,93,94],[93,95,93,107],[82,90,82,94],[82,95,82,107],[83,2,83,107],[86,2,86,107],[87,2,87,107],[82,2,82,5],[82,6,82,9],[82,10,82,67],[82,68,82,72],[82,73,82,85],[82,86,82,89],[84,1,84,108],[88,2,88,107],[89,2,89,107],[90,2,90,67],[90,68,90,108],[85,61,85,106],[79,2,79,5],[79,6,79,9],[79,10,79,67],[79,68,79,72],[79,73,79,85],[79,86,79,89],[79,90,79,94],[79,95,79,107],[78,2,78,5],[78,6,78,9],[78,10,78,67],[78,68,78,72],[78,73,78,85],[78,86,78,89],[80,90,80,94],[80,95,80,107],[81,2,81,5],[81,6,81,9],[81,10,81,67],[81,68,81,72],[81,73,81,85],[81,86,81,89],[81,90,81,94],[81,95,81,107],[80,2,80,5],[80,6,80,9],[80,10,80,67],[80,68,80,72],[80,73,80,85],[80,86,80,89],[76,90,76,94],[76,95,76,107],[77,2,77,5],[77,6,77,9],[77,10,77,67],[77,68,77,72],[77,73,77,85],[77,86,77,89],[77,90,77,94],[77,95,77,107],[76,2,76,5],[76,6,76,9],[76,10,76,67],[76,68,76,72],[76,73,76,85],[76,86,76,89],[78,90,78,94],[78,95,78,107],[73,2,73,5],[73,6,73,9],[73,10,73,67],[73,68,73,72],[73,73,73,85],[73,86,73,89],[73,90,73,94],[73,95,73,107],[72,2,72,5],[72,6,72,9],[72,10,72,67],[72,68,72,72],[72,73,72,85],[72,86,72,89],[74,90,74,94],[74,95,74,107],[75,2,75,5],[75,6,75,9],[75,10,75,67],[75,68,75,72],[75,73,75,85],[75,86,75,89],[75,90,75,94],[75,95,75,107],[74,2,74,5],[74,6,74,9],[74,10,74,67],[74,68,74,72],[74,73,74,85],[74,86,74,89],[69,90,69,94],[69,95,69,107],[70,2,70,107],[71,2,71,5],[71,6,71,67],[71,68,71,72],[71,73,71,85],[71,86,71,89],[71,90,71,94],[71,95,71,107],[69,2,69,5],[69,6,69,9],[69,10,69,67],[69,68,69,72],[69,73,69,85],[69,86,69,89],[72,90,72,94],[72,95,72,107],[65,2,65,67],[65,68,65,108],[66,2,66,5],[66,6,66,67],[66,68,66,73],[66,74,66,85],[66,86,66,89],[66,90,66,95],[66,96,66,107],[67,90,67,94],[67,95,67,107],[68,2,68,5],[68,6,68,9],[68,10,68,67],[68,68,68,72],[68,73,68,85],[68,86,68,89],[68,90,68,94],[68,95,68,107],[67,2,67,5],[67,6,67,9],[67,10,67,67],[67,68,67,72],[67,73,67,85],[67,86,67,89],[61,2,61,107],[62,2,62,107],[63,2,63,107],[64,2,64,107],[55,90,55,94],[55,95,55,107],[57,3,57,107],[55,68,55,72],[55,73,55,85],[55,86,55,89],[56,1,56,2],[56,3,56,107],[57,1,57,2],[59,1,59,108],[54,95,54,107],[53,68,53,72],[53,73,53,85],[53,86,53,89],[60,61,60,106],[45,73,45,85],[45,86,45,89],[48,68,48,73],[48,74,48,85],[48,86,48,89],[48,90,48,95],[48,96,48,107],[47,1,47,108],[48,1,48,2],[48,3,48,67],[51,90,51,94],[51,95,51,107],[52,68,52,72],[52,73,52,85],[52,86,52,89],[52,90,52,94],[52,95,52,107],[51,68,51,72],[51,73,51,85],[51,86,51,89],[0,1,0,108],[1,6,1,107],[2,6,2,107],[3,6,3,45],[3,46,3,107],[7,2,7,107],[8,1,8,108],[9,1,9,108],[10,1,10,108],[4,2,4,107],[5,2,5,13],[5,14,5,62],[5,63,5,78],[5,79,5,107],[6,2,6,107],[18,95,18,107],[13,95,13,107],[13,68,13,72],[12,3,12,107],[14,1,14,2],[14,3,14,107],[13,3,13,67],[17,1,17,2],[16,1,16,2],[16,3,16,67],[11,68,11,73],[11,74,11,85],[11,86,11,89],[11,90,11,95],[11,96,11,107],[17,3,17,107],[11,1,11,2],[11,3,11,67],[15,1,15,108],[13,1,13,2],[12,1,12,2],[216,1,216,108],[217,2,217,108],[218,2,218,108],[219,2,219,108],[220,2,220,108],[221,2,221,108],[26,1,26,2],[27,1,27,2],[25,90,25,94],[25,95,25,107],[26,68,26,72],[26,73,26,85],[26,86,26,89],[26,90,26,94],[26,95,26,107],[25,68,25,72],[25,73,25,85],[25,86,25,89],[25,3,25,67],[26,3,26,67],[50,68,50,72],[50,73,50,85],[50,86,50,89],[50,90,50,94],[50,95,50,107],[45,90,45,94],[45,95,45,107],[45,68,45,72],[222,2,222,108],[223,1,223,108],[156,2,156,50],[156,51,156,56],[156,57,156,68],[156,69,156,74],[156,75,156,86],[156,87,156,92],[156,93,156,107],[214,1,214,108],[215,1,215,108],[157,2,159,6],[157,7,159,50],[160,87,162,92],[160,93,162,107],[161,52,161,53],[161,70,161,71],[162,52,162,53],[162,70,162,71],[160,2,162,6],[160,7,162,50],[160,52,160,53],[160,54,162,68],[160,70,160,71],[160,72,162,86],[163,93,163,107],[164,93,166,107],[165,52,165,53],[163,2,163,50],[163,51,163,56],[163,57,163,68],[163,69,163,74],[240,2,240,108],[241,2,241,108],[242,2,242,108],[243,2,243,108],[244,2,244,108],[245,2,245,108],[246,2,246,108],[232,2,232,108],[233,2,233,108],[234,2,234,108],[235,2,235,108],[236,2,236,108],[237,2,237,108],[238,2,238,108],[239,2,239,108],[224,2,224,108],[225,2,225,108],[226,2,226,108],[227,2,227,108],[228,2,228,108],[229,2,229,108],[230,2,230,108],[231,2,231,108],[256,2,256,108],[257,2,257,108],[258,2,258,108],[259,2,259,108],[260,2,260,108],[261,2,261,108]],"merged_total":1111,"flags":["merged_cut"]}
[]
[]
[null,null,null,null,null,null,"Cash-Flow Analysis Income Worksheet"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[]
[]
[null," This worksheet is a written evaluation of the analysis of income related to self-employment.  The purpose of this written is to determine"]
[null," the amount of stable and continuous income that will be available to the borrowe for loan qulaifying purposes."]
[]
[null,"1.",null,"FORM 1040 – INDIVIDUAL INCOME TAX RETURN",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,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,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Year"]
[]
[null,null,null,"Wages, salaries considered elsewhere (Line 7)",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,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,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[]
[]
[null,"2.",null,"SCHEDULE B – INTEREST AND DIVIDEND INCOME",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,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,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Yr",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Yr"]
[]
[null,null,null,"Interest Income from self-employment (Line 8a)",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,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,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,null,"Dividends from self-employment (Line 9a)",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,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,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[]
[]
[null,"3.",null,"SCHEDULE C – PROFIT OR LOSS FORM BUSINESS: SOLE PROPRIETORSHIP",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,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,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Year"]
[]
[null,null,null,"Net Profit or (Loss)",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,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,null,null,null,null,null,null,null,null,"(+/–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+/–)",null,null,null,null,0]
[null,null,null,"Nonrecurring Other (Income) Loss/Expenses",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,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,null,null,null,null,null,null,null,null,"(+/–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+/–)",null,null,null,null,0]
[null,null,null,"Depletion",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,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,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,null,"Depreciation",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,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,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,null,"Non-deductible Meals and Entertainment Expenses",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,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,null,null,null,null,null,null,null,null,"(–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(–)",null,null,null,null,0]
[null,null,null,"Business Use of Home",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,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,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,null,"Amortization/Casualty Loss",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,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,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[]
[]
[null,"4.",null,"SCHEDULE D – CAPITAL GAINS AND LOSSES",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,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,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Yr"]
[]
[null,null,null,"Recurring Capital Gains (Lines 1a/1b(h),2h,3h,8a/8b(h),9h,10h)",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,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,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,null,"Installment Sale Gain (Amount reported on Schedule D)",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,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,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[]
[]
[null,"5.",null,"SCHEDULE E – SUPPLEMENTAL INCOME AND LOSS",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,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,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Yr"]
[]
[null,null,null,"Note: Use FNMA Rental Income Worksheets (Forms 1037 or 1038) to calculate individual rental income (loss) reported on"]
[null,null,null,"Schedule E."]
[null,null,null,"Royalties Received",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,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,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,null,"Total Expenses",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,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,null,null,null,null,null,null,null,null,"(–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(–)",null,null,null,null,0]
[null,null,null,"Depletion",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,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,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[]
[]
[null,"6.",null,"SCHEDULE F – PROFIT OR LOSS FROM FARMING",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,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,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Year"]
[]
[null,null,null,"Net Farm Profit or (Loss)",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,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,null,null,null,null,null,null,null,null,"(+/–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+/–)",null,null,null,null,0]
[null,null,null,"Non-Tax Portion Ongoing Coop and CCC Payments",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,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,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,null,"Nonrecurring Other (Income) Loss",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,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,null,null,null,null,null,null,null,null,"(+/–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+/–)",null,null,null,null,0]
[null,null,null,"Depreciation",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,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,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,null,"Amortization/Casualty Loss/Depletion",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,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,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,null,"Business Use of Home",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,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,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,null,"Note: IRS Form 4797 (Sales of Business Property) is not included on this worksheet due to its infrequent use."]
[null,null,null,"If applicable, a lender may include analysis of the sale and related recurring capital gains."]
[]
[]
[null,null,"PARTNERSHIP CASH FLOW",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company Name:"]
[]
[null,null,"A self-employed borrower's share of Partnership earnings may be considered provided that the borrower can document ownership"]
[null,null,"share (for example, the Schedule K-1), and the borrower can document access to the income, and the business has adequate"]
[null,null,"liquidity to support the withdrawal of earnings."]
[null,null,"IRS Form 1065 – Partnership Income"]
[null,null,"7.",null,null,null,"Schedule K-1 Form 1065 – Partner's Share of Income",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,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,null,null,null,null,null,"Year",null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Year"]
[null,null,null,null,null,null,"a.",null,null,null,"Ordinary Income (Loss)",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,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,null,"(+/–)",null,null,null,null,0,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,null,null,"b.",null,null,null,"Net Rental Real Estate: Other Net Income (Loss)",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,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,null,"(+/–)",null,null,null,null,0,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,null,null,"c.",null,null,null,"Guaranteed Payments to Partner",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,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,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[]
[null,null,"8.",null,null,null,"Form 1065 – Adjustments to Business Cash Flow"]
[null,null,null,null,null,null,"a.",null,null,null,"Ordinary (Income) Loss from Other Partnerships",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,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,null,"(+/–)",null,null,null,null,0,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,null,null,"b.",null,null,null,"Nonrecurring Other (Income) Loss",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,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,null,"(+/–)",null,null,null,null,0,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,null,null,"c.",null,null,null,"Depreciation",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,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,null,"(+)",null,null,null,null,0,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,null,null,"d.",null,null,null,"Depletion",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,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,null,"(+)",null,null,null,null,0,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,null,null,"e.",null,null,null,"Amortization/Casualty Loss",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,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,null,"(+)",null,null,null,null,0,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,null,null,"f.",null,null,null,"Mortgages or Notes Payable in Less than 1 Year",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,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,null,"(–)",null,null,null,null,0,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,null,null,"g.",null,null,null,"Non-deductible Travel and Entertainment Expenses",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,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,null,"(–)",null,null,null,null,0,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,null,null,"h.",null,null,null,"Subtotal",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,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,null,null,null,null,null,null,{"$f":"Data_Income!E906","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F906","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Percentage of Ownership",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,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,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,null,null,null,null,"i.",null,null,null,"Total Form 1065"]
[null,null,null,null,null,null,null,null,null,null,"(Subtotal multiplied by % of ownership)",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,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,null,null,null,null,null,null,{"$f":"Data_Income!E908","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F908","v":0}]
[]
[]
[null,null,"S-CORPORATION CASH FLOW",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company Name:"]
[]
[null,null,"A self-employed borrower's share of S-Corporation earnings may be considered provided that the borrower can document ownership"]
[null,null,"share (for example, the Schedule K-1), and the borrower can document access to the income, and the business has adequate"]
[null,null,"liquidity to support the withdrawal of earnings."]
[null,null,"IRS Form 1120S – S Corporation Earnings"]
[null,null,"9.",null,null,null,"Schedule K-1 Form 1120S – Shareholder's Share of Income",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,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,null,null,null,null,null,"Year",null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Year"]
[null,null,null,null,null,null,"a.",null,null,null,"Ordinary Income (Loss)",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,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,null,"(+/–)",null,null,null,null,0,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,null,null,"b.",null,null,null,"Net Rental Real Estate: Other Net Income (Loss)",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,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,null,"(+/–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+/–)",null,null,null,null,0]
[]
[null,null,"10.",null,null,null,"Form 1120S – Adjustments to Business Cash Flow"]
[null,null,null,null,null,null,"a.",null,null,null,"Nonrecurring Other (Income) Loss",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,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,null,"(+/–)",null,null,null,null,0,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,null,null,"b.",null,null,null,"Depreciation",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,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,null,"(+)",null,null,null,null,0,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,null,null,"c.",null,null,null,"Depletion",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,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,null,"(+)",null,null,null,null,0,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,null,null,"d.",null,null,null,"Amortization/Casualty Loss",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,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,null,"(+)",null,null,null,null,0,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,null,null,"e.",null,null,null,"Mortgages or Notes Payable in Less than 1 Year",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,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,null,"(–)",null,null,null,null,0,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,null,null,"f.",null,null,null,"Non-deductible Travel and Entertainment Expenses",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,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,null,"(–)",null,null,null,null,0,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,null,null,"g.",null,null,null,"Subtotal",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,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,null,null,null,null,null,null,{"$f":"Data_Income!E925","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F925","v":0}]
[null,null,null,null,null,null,null,null,null,null,"Percentage of Ownership",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,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,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,null,null,null,null,"h.",null,null,null,"Total Form 1120S"]
[null,null,null,null,null,null,null,null,null,null,"(Subtotal multiplied by % of ownership)",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,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,null,null,null,null,null,null,{"$f":"Data_Income!E927","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F927","v":0}]
[]
[]
[null,null,"CORPORATION CASH FLOW",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company Name:"]
[]
[null,null,"IRS Form 1120 – Regular Corporation"]
[null,null,"Corporation earnings may be used when the borrower(s) own 100% of the corporation."]
[null,null,"11.",null,null,null,"Form 1120 – Regular Corporation",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,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,null,null,null,null,null,"Year",null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Yr"]
[null,null,null,null,null,null,"a.",null,null,null,"Taxable Income",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,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,null,"(+/–)",null,null,null,null,0,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,null,null,"b.",null,null,null,"Total Tax",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,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,null,"(–)",null,null,null,null,0,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,null,null,"c.",null,null,null,"Nonrecurring (Gains) Losses",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,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,null,"(+)",null,null,null,null,0,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,null,null,"d.",null,null,null,"Nonrecurring Other (Income) Loss",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,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,null,"(+)",null,null,null,null,0,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,null,null,"e.",null,null,null,"Depreciation",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,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,null,"(+)",null,null,null,null,0,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,null,null,"f.",null,null,null,"Depletion",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,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,null,"(+)",null,null,null,null,0,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,null,null,"g.",null,null,null,"Amortization/Casualty Loss",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,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,null,"(+)",null,null,null,null,0,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,null,null,"h.",null,null,null,"Net Operating Loss and Special Deductions",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,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,null,"(+)",null,null,null,null,0,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,null,null,"i.",null,null,null,"Mortgages or Notes Payable in Less than 1 Year",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,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,null,"(–)",null,null,null,null,0,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,null,null,"j.",null,null,null,"Non-deductible Travel and Entertainment Expenses",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,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,null,"(–)",null,null,null,null,0,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,null,null,"k.",null,null,null,"Subtotal",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,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,null,null,null,null,null,null,{"$f":"Data_Income!E943","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F943","v":0}]
[null,null,null,null,null,null,"l.",null,null,null,"Less: Dividends Paid to Borrower",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,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,null,"(–)",null,null,null,null,0,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,null,null,"m.",null,null,null,"Total Form 1120",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,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,null,null,null,null,null,null,{"$f":"Data_Income!E945","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F945","v":0}]
[]
[]
[null,null,"CASH FLOW ANALYSIS SUMMARY"]
[]
[null,null,"Personal Cash Flow Subtotals",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Mos",null,null,null,null,null,"Qualifying Inc"]
[null,null,"1.",null,null,null,null," W-2 Income from Self-Employment",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F951","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H951","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I951","v":""},null,null,null,null,null,{"$f":"Data_Income!J951","v":0}]
[]
[]
[null,null,"2.",null,null,null,null," Schedule B - Interest & Ordinary Dividends",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F952","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H952","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I952","v":""},null,null,null,null,null,{"$f":"Data_Income!J952","v":0}]
[]
[]
[null,null,"3.",null,null,null,null," Schedule C - Profit or Loss from Business",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F953","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H953","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I953","v":""},null,null,null,null,null,{"$f":"Data_Income!J953","v":0}]
[]
[]
[null,null,"4.",null,null,null,null," Schedule D - Capital Gains and Losses",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F954","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H954","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I954","v":""},null,null,null,null,null,{"$f":"Data_Income!J954","v":0}]
[]
[]
[null,null,"5.",null,null,null,null," Schedule E - Supplemental Income or Loss",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F955","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H955","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I955","v":""},null,null,null,null,null,{"$f":"Data_Income!J955","v":0}]
[]
[]
[null,null,"6.",null,null,null,null," Schedule F - Profit or Loss from Farming",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F956","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H956","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I956","v":""},null,null,null,null,null,{"$f":"Data_Income!J956","v":0}]
[]
[]
[null,null,"Partnership Cash Flow Subtotals",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Mos",null,null,null,null,null,"Qualifying Inc"]
[null,null,"7.",null,null,null,null," Schedule K-1 (Form 1065)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F958","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H958","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I958","v":""},null,null,null,null,null,{"$f":"Data_Income!J958","v":0}]
[]
[]
[null,null,"8.",null,null,null,null," Form 1065",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F959","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H959","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I959","v":""},null,null,null,null,null,{"$f":"Data_Income!J959","v":0}]
[]
[]
[null,null,"S-Corporation Cash Flow Subtotals",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Mos",null,null,null,null,null,"Qualifying Inc"]
[null,null,"9.",null,null,null,null," Schedule K-1 (Form 1120S)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F961","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H961","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I961","v":""},null,null,null,null,null,{"$f":"Data_Income!J961","v":0}]
[]
[]
[null,null,"10.",null,null,null,null," Form 1120S",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F962","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H962","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I962","v":""},null,null,null,null,null,{"$f":"Data_Income!J962","v":0}]
[]
[]
[null,null,"Corporation Cash Flow Subtotal",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Mos",null,null,null,null,null,"Qualifying Inc"]
[null,null,"11.",null,null,null,null," Form 1120 - Regular Corporation",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F964","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H964","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I964","v":""},null,null,null,null,null,{"$f":"Data_Income!J964","v":0}]
[]
[]
[null,null,null,null,null,null,null," Average Monthly Cash Flow",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,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,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,null,{"$f":"Data_Income!J965","v":0}]
[]
[]
[]
[null,null,"YTD PROFIT & LOSS STATEMENT",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year-to-Date thru:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+NOW()","v":"2020-09-25T16:34:53.890"}]
[null,null,"Salary/Draws to Individual",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,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,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,null,null,null,null,null,null,null,null,0]
[null,null,"Net Profit X Percentage of Ownership",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,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,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,null,null,null,null,null,null,null,null,0]
[null,null,"Total Allowable Addbacks X Percentage of Ownership",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,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,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,null,null,null,null,null,null,null,null,0]
[null,null,"Year-to-Date Total",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,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,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,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F971","v":0}]
[null,null,"Months Covered in Year-to-Date Total",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F972","v":8.9}]
[null,null,"Average Monthly Income",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,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,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,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F973","v":0}]
[]
[]
[]
[null,null,"LIQUIDITY WORKSHEET",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,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,null,null,null,"Select Yr",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Yr",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Trend"]
[]
[null,null,"Schedule L – Assets"]
[null,null,"  Cash  (Line 1, Column d)",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,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,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"  Trade Notes & Accounts Receivable  (Line 2b, Column d)",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,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,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"  Inventories  (Line 3, Column d)",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,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,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Total Current Assets",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,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,null,null,null,{"$f":"Data_Income!E981","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F981","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G981","v":""}]
[]
[null,null,"Schedule L – Liabilities"]
[null,null,"  Accounts Payable  (Line 16, Column d)",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,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,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"  Mortgages notes bond payable less than one year"]
[null,null,"    (Line 17, Column d)",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,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,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"  Other Current Liabilities  (Line 18, Column d)",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,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,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Total Current Liabilities",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,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,null,null,null,{"$f":"Data_Income!E987","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F987","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G987","v":""}]
[]
[null,null,"Current Ratio"]
[null,null,"  Total Current Assets divided by Total Current Liabilities",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E990","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F990","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G990","v":""}]
[]
[null,null,"Quick Ratio"]
[null,null,"  Current Assets divided by Current Liabilities",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,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,null,null,null,{"$f":"Data_Income!E993","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F993","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G993","v":""}]
[]
[]
[null,null,"NOTES"]
[null,null,0]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]
[]
[]
[]
[null,"CASH FLOW ANALYSIS (Fannie Mae Form 1084)"]
[null,"Instructions"]
[null,"Guidance for documenting access to income and business liquidity"]
[null,"●","If the Schedule K-1 reflects a documented, stable history of receiving cash distributions of income from the business consistent with"]
[null,null,"the level of business income being used to qualify, then no further documentation of access to income or adequate business liquidity"]
[null,null,"to support the withdrawal of earnings is required in order to include that income in the borrower's cash flow."]
[null,"●","If the Schedule K-1 does not reflect a documented, stable history of receiving cash distributions of income from the business"]
[null,null,"consistent with the level of business income being used to qualify, then the lender must confirm the business has adequate liquidity to"]
[null,null,"support the withdrawal of earnings."]
[null,"IRS Form 1040 – Individual Income Tax Return"]
[null,"1.","W-2 Income from Self-Employment: Identify wages paid to the borrower from the borrower’s business. Self-employment wages"]
[null,null,"may be confirmed by matching the Employer Identification Number (EIN) reported on the borrower's W2 with the EIN reported by the"]
[null,null,"borrower’s business. When business tax returns are obtained, W-2 wages can be cross-referenced with compensation of officers"]
[null,null,"reported on Form 1120S or Form 1120."]
[null,"2.","Schedule B – Interest and Ordinary Dividends"]
[null,null,"Line 2a - Interest Income from Self-Employment: Identify interest income paid to the borrower from the borrower’s business"]
[null,null,"Review Schedule B, Part I and/or IRS Schedule K-1 or Form 1099-Int to confirm the payer is the same entity as the borrower's business."]
[null,null,"Line 2b - Dividends from Self-Employment: Identify dividend income paid to the borrower from the borrower’s business."]
[null,null,"Review Schedule B, Part II and/or IRS Schedule K-1 or Form 1099-Div to confirm the payer is the same entity as the borrower's"]
[null,null,"business."]
[null,"3.","Schedule C – Profit or Loss from Business: Sole Proprietorship"]
[null,null,"Line 3a - Net Profit or Loss: Record the net profit or (loss) reported on Schedule C."]
[null,null,"Line 3b - Nonrecurring Other (Income) Loss/ Expense: Other income reported on Schedule C represents income that is not"]
[null,null,"directly related to business receipts. Deduct other income unless the income is determined to be recurring. If the income is determined"]
[null,null,"to be recurring, no adjustment is required. Other loss may be added back when it is determined that the loss will not continue."]
[null,null,"Line 3c - Depletion: Add back the amount of the depletion deduction reported on Schedule C."]
[null,null,"Line 3d - Depreciation: Add back the amount of the depreciation deduction reported on Schedule C. Vehicle depreciation included as"]
[null,null,"part of the standard mileage deduction may be added back by multiplying the business miles driven by the depreciation factor for the"]
[null,null,"respective year."]
[null,null,"Line 3e - Non-deductible Meals and Entertainment Expenses: Deduct the portion of business-related meals and entertainment"]
[null,null,"expenses that have been excluded for tax reporting purposes. These expenses, to the full extent they are incurred, are taken into"]
[null,null,"account; therefore, the portion of these expenses that have been excluded must be identified and subtracted from business cash flow."]
[null,null,"Line 3f - Business Use of Home: Add back the expenses deducted for the business use of home."]
[null,null,"Line 3g - Amortization/Casualty Loss: Add back the expense deducted for amortization along with the expense associated with"]
[]
[null,"4.","Schedule D – Capital Gains and Losses"]
[null,null,"Line 4a - Recurring Capital Gains: Identify the amount of recurring capital gains. Schedule D may report business capital gains"]
[null,null,"passed through to the borrower on Schedule K-1 (IRS Form 1065 or IRS Form 1120S). Do not include business capital gains with are"]
[null,null,"sporadic or result from a one-time transaction."]
[null,null,"Note: Business capital losses identified on Schedule D do not have to be considered when calculating income or liabilities, even if the"]
[null,null,"losses are recurring."]
[null,"5.","Schedule E – Supplemental Income and Loss"]
[null,null,"Note: Use Fannie Mae Rental Income Worksheets (Form 1037 or Form 1038) to evaluate individual rental income (loss) reported on"]
[null,null,"Schedule E. Refer to Selling Guide, B3-3.1-08, Rental Income, for additional details"]
[null,null,"Partnerships and S corporation income (loss) reported on Schedule E is addressed below."]
[null,null,"Line 5a - Royalties Received: Include royalty income which meets eligibility standards."]
[null,null,"Line 5b - Total Expenses: Deduct the expenses related to royalty income used in qualifying the borrower."]
[null,null,"Line 5c - Depletion: Add back the amount of the depletion deduction related to royalty income used in qualifying the borrower."]
[null,"6.","Schedule F – Profit or Loss from Farming"]
[null,null,"Line 6a - Net Farm Profit or (Loss): Record the net farm profit or (loss) reported on Schedule F."]
[null,null,"Line 6b - Non-taxable Portion of Ongoing Coop and CCC Payments: Certain federal agriculture program payments, coop"]
[null,null,"distributions, and insurance/loan proceeds are not fully taxable. Add back the nontaxable portion of these income types provided"]
[null,null,"these sources of income are likely to continue and do not represent a one-time occurrence."]
[null,null,"Line 6c - Nonrecurring Other (Income) Loss: Other income reported on Schedule F represents income received by a farmer that"]
[null,null,"was not obtained through farm operations. Deduct other income unless the income is determined to be recurring. If the income is"]
[null,null,"determined to be recurring, no adjustment is required. Other loss may be added back when it is determined that the loss will not"]
[null,null,"continue."]
[null,null,"Line 6d - Depreciation: Add back the amount of the depreciation deduction reported on Schedule F."]
[null,null,"Line 6e - Amortization/Casualty Loss/Depletion: Add back the expense deducted for amortization/depletion along with the"]
[null,null,"expense associated with non-recurring casualty loss."]
[null,null,"Line 6f - Business Use of Home: Add back the expenses deducted for the business use of home."]
[null,"Partnership or S Corporation"]
[null,"IRS Form 1065 – Partnership Income"]
[null,"7.","Schedule K-1 Form 1065 – Partner’s Share of Income:"]
[null,null,"Line 7a - Ordinary Income (Loss): Record the amount of ordinary income (loss) reported to the borrower in Box 1 of Schedule K-1"]
[null,null,"(Form 1065)."]
[null,null,"Line 7b - Net Rental Real Estate; Other Net Income (Loss): Record the amount of net rental real estate; other net income (loss)"]
[null,null,"reported to the borrower in Box 2 and/or 3 of Schedule K-1 (Form 1065)."]
[null,null,"Line 7c - Guaranteed Payments to Partner: Add guaranteed payments to partner when the borrower has a twoyear history of"]
[null,null,"receipt."]
[null,"8.","Adjustments to Business Cash Flow – Form 1065"]
[null,"When business tax returns are obtained by the lender, the following adjustments to business cash flow should be made."]
[null,null,"Line 8a - Ordinary income (loss) from other Partnerships: In order to consider ordinary income from other partnerships, the"]
[null,null,"lender must obtain additional documentation to confirm the income passed through from the other partnership to the borrower's"]
[null,null,"business meets partnership income eligibility standards. Deduct ordinary income passed through to the borrower's business from "]
[null,null,"other partnerships unless this additional action is taken. Losses passed through to the borrower's business may be added back when"]
[null,null,"the lender determines pass-through losses are not likely to continue."]
[null,null,"Line 8b - Nonrecurring Other (Income) Loss: Other income reported on Form 1065 generally represents income that is not"]
[null,null,"directly related to business receipts. Deduct other income unless the income is determined to be recurring. If the income is determined"]
[null,null,"to be recurring, no adjustment is required. Other loss may be added back when it is determined that the loss will not continue."]
[null,null,"Line 8c - Depreciation: Add back the amount of the depreciation deduction reported on Form 1065 and/or on Form 8825."]
[null,null,"Line 8d - Depletion: Add back the amount of the depletion deduction reported on Form 1065."]
[null,null,"Line 8e - Amortization/Casualty Loss: Add back the expense deducted for amortization/depletion along with the expense"]
[null,null,"associated with non-recurring casualty loss."]
[null,null,"Line 8f - Mortgage or Notes Payable in Less than 1 Year: Subtract the amount of mortgage or note obligations payable in less"]
[null,null,"than one year, as reported in Schedule L of Form 1120S, end of year column. This deduction is not required for lines of credit or if"]
[null,null,"is evidence that these obligations roll over regularly and/or the business has sufficient liquid assets to cover them."]
[null,null,"Line 8g - Non-deductible Travel and Entertainment Expenses: Deduct the portion of business-related expenses (travel, meals"]
[null,null,"and entertainment) reported on Schedule M-1 of Form 1065 that have been excluded for tax reporting purposes. These expenses, to"]
[null,null,"the full extent they are incurred, are taken into account; therefore, the portion of these expenses that have been exluded must be"]
[null,null,"identified and subtracted from business cash flow."]
[null,null,"Line 8h - Subtotal: Total lines 8a – 8g."]
[null,null,"Line 8i - Form 1065 Total: To arrive at the borrower’s proportionate share of adjustments to business cash flow, multiply the"]
[null,null,"subtotal (line 8h) by the borrower’s percentage of ownership (the borrower’s ending percentage of capital ownership as reported on"]
[null,null,"the Schedule K-1 (Form 1065))."]
[null,"IRS Form 1120S – S Corporation Earnings"]
[null,"9.","Schedule K-1 Form 1120S – Shareholder’s Share of Income"]
[null,null,"Line 9a - Ordinary Income (Loss): Record the amount of ordinary income (loss) reported to the borrower in Box 1 of Schedule K-1"]
[null,null,"(Form 1120S)."]
[null,null,"Line 9b - Net Rental Real Estate; Other Net Income (Loss): Record the amount of net rental real estate; other net income (loss)"]
[null,null,"reported to the borrower in Box 2 and/or 3 of Schedule K-1 (Form 1120S)."]
[null,"10.","Adjustments to Business Cash Flow – Form 1120S"]
[null,null,"When business tax returns are obtained by the lender, the following adjustments to business cash flow should be made."]
[null,null,"Line 10a - Nonrecurring Other (Income) Loss: Other income reported on Form 1120S generally represents income that is not"]
[null,null,"directly related to business receipts. Deduct other income unless the income is determined to be recurring. If the income is determined"]
[null,null,"to be recurring, no adjustment is required. Other loss may be added back when it is determined that the loss will not continue."]
[null,null,"Line 10b - Depreciation: Add back the amount of the depreciation deduction reported on Form 1120S and/or Form 8825."]
[null,null,"Line 10c - Depletion: Add back the amount of the depletion deduction reported on Form 1120S."]
[null,null,"Line 10d - Amortization/Casualty Loss: Add back the expense deducted for amortization/depletion along with the expense"]
[null,null,"associated with non-recurring casualty loss."]
[null,null,"Line 10e - Mortgage or Notes Payable in Less than 1 Year: Subtract the amount of mortgage or note obligations payable in less"]
[null,null,"than one year, as reported in Schedule L of Form 1120S, end of year column. This deduction is not required for lines of credit or if"]
[null,null,"there is evidence that these obligations rollover regularly and/or the business has sufficient liquid assets to cover them."]
[null,null,"Line 10f - Non-deductible Travel and Entertainment Expenses: Deduct the portion of business-related expenses (travel, meals,"]
[null,null,"and entertainment) reported on Schedule M-1 of Form 1120S that have been excluded for tax reporting purposes. These expenses, to"]
[null,null,"the full extent they are incurred, are taken into account; therefore, the portion of these expenses that have been exluded must be"]
[null,null,"identified and subtracted from business cash flow."]
[null,null,"Line 10g - Subtotal: Total lines 10a – 10f."]
[null,null,"Line 10h - Form 1120S Total: To arrive at the borrower’s proportionate share of adjustments to business cash flow, multiply the"]
[null,null,"(line 10g) by the borrower’s percentage of stock for tax year reported on the Schedule K-1 (Form 1120S)."]
[null,"IRS Form 1120 – Regular Corporation"]
[null,"11.","Regular Corporation – Form 1120"]
[null,null,"When business tax returns are obtained by the lender, the following adjustments to business cash flow should be made."]
[null,null,"Line 11a - Taxable Income: Record the taxable income reported by the business on the first page of Form 1120."]
[null,null,"Line 11b - Total Tax: Deduct the corporation‘s tax liability identified on page 1 of Form 1120."]
[null,null,"Line 11c - Nonrecurring Other (Gains) Losses: Deduct gains unless it is determined that the gains are likely to continue. Losses"]
[null,null,"be added back when it can be determined that the loss is a one-time occurrence and is not likely to continue."]
[null,null,"Line 11d - Nonrecurring Other (Income) Loss: Other income reported on Form 1120 generally represents income that is not"]
[null,null,"directly related to business receipts. Deduct other income unless the income is determined to be recurring. If the income is determined"]
[null,null,"to be recurring, no adjustment is required. Other loss may be added back when it is determined that the loss will not continue."]
[null,null,"Line 11e - Depreciation: Add back the amount of the depreciation deduction reported on Form 1120."]
[null,null,"Line 11f - Depletion: Add back the amount of the depletion deduction reported on Form 1120S."]
[null,null,"Line 11g - Amortization/Casualty Loss: Add back the expense deducted for amortization/depletion along with the expenses"]
[null,null,"associated with non-recurring casualty loss."]
[null,null,"Line 11h - Net Operating Loss and Special Deductions: Add back the full amount of the deduction related to net operating loss"]
[null,null,"and/or special deductions."]
[null,null,"Line 11i - Mortgage or Notes Payable in Less than 1 Year: Subtract the amount of mortgage or note obligations payable in less"]
[null,null,"than one year, as reported in Schedule L of Form 1120S, end of year column. This deduction is not required for lines of credit or if"]
[null,null,"there is evidence that these obligations roll over regularly and/or the business has sufficient liquid assets to cover them."]
[null,null,"Line 11j - Non-deductible Travel and Entertainment Expenses: Deduct the portion of business-related expenses (travel, meals,"]
[null,null,"and entertainment) reported on Schedule M-1 of Form 1120 that have been excluded for tax reporting purposes. These expenses, to"]
[null,null,"the full extent they are incurred, are taken into account; therefore, the portion of these expenses that have been exluded must be"]
[null,null,"identified and subtracted from business cash flow."]
[null,null,"Line 11k - Subtotal: Total lines 11a – 11j."]
[null,null,"Line 11l - Dividends Paid to Borrower: Dividends paid to stockholders are reported on Schedule M-2 of Form 1120. The borrower's"]
[null,null,"share of these distributions will be reported on Schedule B of Form 1040. These funds are also included in the corporation's taxable"]
[null,null,"income and are therefore being double-counted. Therefore, subtract distributions paid by the corporation and reported on the"]
[null,null,"borrower's Schedule B."]
[null,null,"Line 11m - Form 1120 Total: Subtract 11l from 11k to determine the adjustments to business tax flow that may be considered when"]
[null,null,"the borrower(s) own 100% of the corporation and the business has adequate liquidity to support the withdrawal of earnings."]

{"sheet":"SE SAM Method","index":34,"n_rows":237,"n_cols":97,"rows_kept":237,"cut":false,"hidden":true,"merged":[[225,2,225,61],[225,62,225,74],[225,75,225,78],[225,79,225,91],[225,92,225,95],[225,96,225,107],[226,2,226,61],[226,62,226,74],[226,75,226,78],[226,79,226,91],[226,92,226,95],[226,96,226,107],[222,2,222,61],[222,62,222,74],[222,75,222,78],[222,79,222,91],[222,92,222,95],[222,96,222,107],[223,2,223,61],[223,62,223,74],[223,75,223,78],[223,79,223,91],[223,92,223,95],[223,96,223,107],[224,2,224,61],[224,62,224,74],[224,75,224,78],[224,79,224,91],[224,92,224,95],[224,96,224,107],[219,2,219,61],[219,62,219,74],[219,75,219,78],[219,79,219,91],[219,92,219,95],[219,96,219,107],[220,2,220,61],[220,62,220,74],[220,75,220,78],[220,79,220,91],[220,92,220,95],[220,96,220,107],[221,2,221,61],[221,62,221,74],[221,75,221,78],[221,79,221,91],[221,92,221,95],[221,96,221,107],[216,2,216,61],[216,62,216,74],[216,75,216,78],[216,79,216,91],[216,92,216,95],[216,96,216,107],[217,2,217,61],[217,62,217,74],[217,75,217,78],[217,79,217,91],[217,92,217,95],[217,96,217,107],[218,2,218,61],[218,62,218,74],[218,75,218,78],[218,79,218,91],[218,92,218,95],[218,96,218,107],[148,2,148,108],[8,2,8,107],[196,2,196,107],[206,2,206,107],[207,2,207,61],[207,62,207,74],[207,75,207,78],[207,79,207,91],[207,92,207,95],[207,96,207,107],[208,2,208,61],[208,62,208,74],[208,75,208,78],[208,79,208,91],[208,92,208,95],[208,96,208,107],[205,2,205,107],[202,95,202,107],[201,2,201,67],[201,68,201,72],[201,73,201,85],[201,86,201,89],[201,90,201,94],[201,95,201,107],[204,2,204,67],[204,68,204,72],[204,73,204,85],[204,86,204,89],[204,90,204,94],[204,95,204,107],[203,2,203,67],[199,95,199,107],[231,7,231,107],[232,1,232,108],[150,2,150,50],[178,2,178,50],[191,2,191,50],[209,2,209,61],[209,62,209,74],[209,75,209,78],[209,79,209,91],[209,92,209,95],[209,96,209,107],[210,2,210,61],[210,62,210,74],[210,75,210,78],[210,79,210,91],[210,92,210,95],[210,96,210,107],[211,2,211,61],[211,62,211,74],[211,75,211,78],[202,2,202,67],[202,68,202,72],[202,73,202,85],[202,86,202,89],[202,90,202,94],[211,79,211,91],[211,92,211,95],[211,96,211,107],[214,96,214,107],[215,2,215,61],[215,62,215,74],[215,75,215,78],[200,86,200,89],[200,90,200,94],[200,95,200,107],[197,2,197,107],[198,2,198,67],[199,2,199,67],[199,68,199,72],[199,73,199,85],[228,2,228,107],[229,2,229,107],[230,2,230,107],[212,2,212,61],[212,62,212,74],[212,75,212,78],[212,79,212,91],[212,92,212,95],[212,96,212,107],[213,2,213,61],[213,62,213,74],[213,75,213,78],[213,79,213,91],[213,92,213,95],[213,96,213,107],[214,2,214,61],[214,62,214,74],[214,75,214,78],[198,95,198,107],[214,79,214,91],[214,92,214,95],[215,79,215,91],[215,92,215,95],[215,96,215,107],[144,2,144,6],[144,68,144,72],[144,73,144,85],[144,86,144,89],[144,90,144,94],[144,95,144,107],[143,2,143,6],[143,68,143,72],[143,73,143,85],[143,86,143,89],[143,7,143,67],[144,7,144,67],[154,2,156,6],[154,7,156,50],[203,68,203,72],[203,73,203,85],[203,86,203,89],[203,90,203,94],[203,95,203,107],[145,90,145,94],[145,95,145,107],[147,2,147,107],[150,51,150,56],[150,57,150,68],[150,69,150,74],[150,75,150,86],[145,2,145,6],[145,68,145,72],[145,73,145,85],[145,86,145,89],[145,7,145,67],[146,2,146,6],[138,90,138,94],[138,95,138,107],[139,2,139,6],[139,68,139,72],[139,73,139,85],[139,86,139,89],[139,90,139,94],[139,95,139,107],[138,2,138,6],[138,68,138,72],[138,73,138,85],[138,86,138,89],[138,7,138,67],[139,7,139,67],[199,86,199,89],[199,90,199,94],[141,90,141,94],[141,95,141,107],[142,2,142,6],[142,68,142,72],[142,73,142,85],[142,86,142,89],[142,90,142,94],[142,95,142,107],[140,2,140,6],[141,68,141,72],[141,73,141,85],[141,86,141,89],[140,7,140,67],[142,7,142,67],[143,90,143,94],[143,95,143,107],[133,90,133,94],[133,95,133,107],[134,2,134,6],[134,68,134,72],[134,73,134,85],[134,86,134,89],[134,90,134,94],[134,95,134,107],[133,2,133,6],[133,68,133,72],[133,73,133,85],[133,86,133,89],[133,7,133,67],[134,7,134,67],[135,90,135,94],[135,95,135,107],[136,2,136,6],[136,68,136,72],[136,73,136,85],[136,86,136,89],[136,90,136,94],[136,95,136,107],[135,2,135,6],[135,68,135,72],[135,73,135,85],[135,86,135,89],[135,7,135,67],[136,7,136,67],[130,96,130,107],[123,73,123,85],[123,86,123,89],[123,90,123,94],[123,95,123,107],[123,2,123,6],[123,68,123,72],[128,2,128,107],[129,2,129,107],[127,2,127,107],[130,2,130,6],[130,7,130,67],[131,90,131,94],[131,95,131,107],[131,7,131,67],[132,2,132,6],[132,68,132,72],[132,73,132,85],[132,86,132,89],[132,90,132,94],[132,95,132,107],[131,2,131,6],[131,68,131,72],[131,73,131,85],[131,86,131,89],[132,7,132,67],[125,61,125,106],[115,2,115,6],[115,68,115,72],[115,73,115,85],[115,86,115,89],[115,90,115,94],[115,95,115,107],[114,2,114,6],[114,68,114,72],[114,73,114,85],[114,86,114,89],[114,7,114,67],[115,7,115,67],[116,90,116,94],[116,95,116,107],[117,2,117,6],[117,68,117,72],[117,73,117,85],[117,86,117,89],[117,90,117,94],[117,95,117,107],[116,2,116,6],[116,68,116,72],[116,73,116,85],[116,86,116,89],[116,7,116,67],[117,7,117,67],[113,2,113,6],[113,7,113,67],[113,86,113,89],[109,95,109,107],[110,2,110,6],[110,7,110,10],[110,11,110,67],[110,68,110,72],[110,73,110,85],[110,86,110,89],[110,90,110,94],[110,95,110,107],[114,90,114,94],[114,95,114,107],[113,68,113,73],[113,74,113,85],[113,90,113,95],[113,96,113,107],[100,68,100,72],[100,73,100,85],[100,86,100,89],[100,90,100,94],[100,95,100,107],[100,2,100,6],[101,2,101,107],[106,2,106,107],[108,68,108,73],[108,74,108,85],[108,86,108,89],[108,90,108,95],[108,96,108,107],[103,2,103,107],[104,2,104,107],[108,2,108,6],[109,2,109,6],[109,7,109,10],[109,11,109,67],[109,68,109,72],[109,73,109,85],[109,86,109,89],[109,90,109,94],[102,61,102,106],[96,68,96,72],[96,73,96,85],[96,86,96,89],[96,90,96,94],[96,95,96,107],[94,2,94,6],[94,68,94,72],[94,73,94,85],[94,86,94,89],[94,7,94,67],[95,7,95,67],[99,68,99,72],[99,73,99,85],[99,86,99,89],[99,90,99,94],[99,95,99,107],[97,90,97,94],[97,95,97,107],[98,2,98,6],[98,68,98,72],[98,73,98,85],[98,86,98,89],[98,90,98,94],[98,95,98,107],[97,2,97,6],[97,68,97,72],[97,73,97,85],[97,86,97,89],[97,7,97,67],[98,7,98,67],[92,90,92,94],[92,95,92,107],[93,2,93,6],[93,68,93,72],[93,73,93,85],[93,86,93,89],[93,90,93,94],[93,95,93,107],[92,2,92,6],[92,68,92,72],[92,73,92,85],[92,86,92,89],[92,7,92,67],[93,7,93,67],[94,90,94,94],[94,95,94,107],[95,2,95,6],[89,2,89,6],[89,7,89,67],[89,86,89,89],[86,2,86,6],[86,68,86,72],[86,73,86,85],[86,86,86,89],[90,90,90,94],[90,95,90,107],[91,2,91,6],[91,68,91,72],[91,73,91,85],[91,86,91,89],[91,90,91,94],[91,95,91,107],[90,2,90,6],[90,68,90,72],[90,73,90,85],[90,86,90,89],[90,7,90,67],[91,7,91,67],[87,2,87,6],[87,7,87,67],[87,68,87,72],[87,73,87,85],[87,86,87,89],[87,90,87,94],[87,95,87,107],[79,2,79,107],[78,2,78,107],[83,2,83,6],[83,7,83,67],[84,90,84,94],[84,95,84,107],[85,2,85,6],[85,68,85,72],[85,73,85,85],[85,86,85,89],[85,90,85,94],[85,95,85,107],[84,2,84,6],[84,68,84,72],[84,73,84,85],[84,86,84,89],[86,90,86,94],[86,95,86,107],[85,7,85,67],[86,7,86,67],[81,2,81,107],[83,74,83,85],[83,86,83,89],[83,90,83,95],[83,96,83,107],[72,90,72,94],[72,95,72,107],[73,2,73,6],[73,68,73,72],[73,73,73,85],[73,86,73,89],[73,90,73,94],[73,95,73,107],[72,2,72,6],[72,68,72,72],[72,73,72,85],[72,86,72,89],[73,7,73,67],[72,7,72,67],[74,90,74,94],[74,95,74,107],[75,2,75,6],[74,2,74,6],[74,68,74,72],[74,73,74,85],[74,86,74,89],[74,7,74,67],[75,7,75,67],[75,68,75,72],[75,73,75,85],[75,86,75,89],[75,90,75,94],[75,95,75,107],[67,95,67,107],[68,2,68,6],[68,68,68,72],[68,73,68,85],[68,86,68,89],[68,90,68,94],[68,95,68,107],[67,2,67,6],[67,7,67,67],[67,68,67,72],[67,73,67,85],[67,86,67,89],[67,90,67,94],[68,7,68,67],[70,90,70,94],[70,95,70,107],[71,2,71,6],[71,68,71,72],[71,73,71,85],[71,86,71,89],[71,90,71,94],[71,95,71,107],[69,2,69,6],[70,68,70,72],[70,73,70,85],[70,86,70,89],[71,7,71,67],[69,7,69,67],[70,2,70,6],[70,7,70,67],[64,95,64,107],[66,2,66,6],[66,7,66,67],[66,68,66,72],[66,73,66,85],[66,86,66,89],[66,90,66,94],[66,95,66,107],[64,2,64,6],[64,68,64,72],[64,73,64,85],[64,86,64,89],[65,2,65,6],[65,7,65,67],[65,68,65,72],[65,73,65,85],[65,86,65,89],[65,90,65,94],[65,95,65,107],[64,7,64,67],[64,90,64,94],[54,73,54,85],[54,86,54,89],[54,90,54,94],[54,95,54,107],[53,2,53,6],[53,7,53,67],[53,68,53,72],[53,73,53,85],[53,86,53,89],[53,90,53,94],[56,95,56,107],[61,2,61,6],[61,7,61,67],[61,68,61,72],[61,73,61,85],[61,86,61,89],[61,90,61,94],[61,95,61,107],[56,2,56,6],[56,7,56,67],[56,68,56,72],[56,73,56,85],[56,86,56,89],[56,90,56,94],[58,2,58,6],[58,7,58,67],[58,68,58,72],[58,73,58,85],[58,86,58,89],[58,90,58,94],[58,95,58,107],[60,2,60,6],[43,90,43,94],[43,95,43,107],[44,2,44,6],[44,68,44,72],[44,73,44,85],[44,86,44,89],[44,90,44,94],[44,95,44,107],[43,2,43,6],[43,68,43,72],[43,73,43,85],[43,86,43,89],[45,90,45,94],[45,95,45,107],[46,2,46,6],[46,68,46,72],[46,73,46,85],[46,86,46,89],[46,90,46,94],[46,95,46,107],[45,2,45,6],[45,68,45,72],[45,73,45,85],[45,86,45,89],[45,7,45,67],[46,7,46,67],[40,7,40,67],[40,68,40,72],[40,73,40,85],[40,86,40,89],[40,90,40,94],[40,95,40,107],[39,2,39,6],[39,7,39,67],[39,68,39,72],[39,73,39,85],[39,86,39,89],[39,90,39,94],[41,90,41,94],[41,95,41,107],[42,2,42,6],[42,68,42,72],[42,73,42,85],[42,86,42,89],[42,90,42,94],[42,95,42,107],[41,2,41,6],[41,68,41,72],[41,73,41,85],[41,86,41,89],[39,95,39,107],[40,2,40,6],[16,95,16,107],[35,2,35,6],[35,7,35,67],[35,68,35,72],[35,73,35,85],[35,86,35,89],[35,90,35,94],[35,95,35,107],[16,2,16,6],[16,7,16,67],[16,68,16,72],[16,73,16,85],[16,86,16,89],[16,90,16,94],[17,2,17,6],[17,7,17,67],[17,68,17,72],[17,73,17,85],[17,86,17,89],[17,90,17,94],[17,95,17,107],[18,2,18,6],[18,7,18,67],[18,68,18,72],[20,2,20,6],[20,7,20,67],[20,68,20,72],[20,73,20,85],[20,86,20,89],[20,90,20,94],[20,95,20,107],[21,2,21,6],[0,7,0,107],[1,7,1,107],[2,7,2,107],[3,7,3,107],[4,7,4,46],[4,47,4,107],[5,7,5,107],[6,2,6,14],[6,15,6,62],[6,63,6,78],[6,79,6,107],[7,7,7,107],[15,2,15,6],[15,7,15,67],[15,68,15,72],[15,73,15,85],[15,86,15,89],[15,90,15,94],[15,95,15,107],[14,2,14,6],[14,7,14,67],[14,86,14,89],[13,2,13,107],[9,1,9,108],[11,1,11,108],[12,2,12,108],[10,1,10,108],[21,7,21,67],[21,68,21,72],[21,73,21,85],[21,86,21,89],[21,90,21,94],[21,95,21,107],[18,73,18,85],[18,86,18,89],[18,90,18,94],[18,95,18,107],[19,2,19,6],[19,7,19,67],[19,68,19,72],[19,73,19,85],[19,86,19,89],[19,90,19,94],[19,95,19,107],[24,2,24,6],[24,7,24,67],[24,68,24,72],[24,73,24,85],[24,86,24,89],[24,90,24,94],[24,95,24,107],[25,2,25,6],[25,7,25,67],[25,68,25,72],[25,73,25,85],[25,86,25,89],[25,90,25,94],[25,95,25,107],[22,2,22,6],[22,7,22,67],[22,68,22,72],[22,73,22,85],[22,86,22,89],[22,90,22,94],[22,95,22,107],[23,2,23,6],[23,7,23,67],[23,68,23,72],[23,73,23,85],[23,86,23,89],[23,90,23,94],[23,95,23,107],[28,2,28,6],[28,7,28,67],[28,68,28,72],[28,73,28,85],[28,86,28,89],[28,90,28,94],[28,95,28,107],[29,2,29,6],[29,7,29,67],[29,68,29,72],[29,73,29,85],[29,86,29,89],[29,90,29,94],[29,95,29,107],[26,2,26,6],[26,7,26,67],[26,68,26,72],[26,73,26,85],[26,86,26,89],[26,90,26,94],[26,95,26,107],[27,2,27,6],[27,7,27,67],[27,68,27,72],[27,73,27,85],[27,86,27,89],[27,90,27,94],[27,95,27,107],[30,2,30,6],[30,7,30,67],[30,68,30,72],[30,73,30,85],[30,86,30,89],[30,90,30,94],[30,95,30,107],[31,2,31,6],[31,7,31,67],[31,68,31,72],[31,73,31,85],[31,86,31,89],[31,90,31,94],[31,95,31,107],[32,2,32,6],[32,7,32,67],[32,68,32,72],[32,73,32,85],[32,86,32,89],[32,90,32,94],[32,95,32,107],[34,2,34,6],[34,7,34,67],[34,68,34,72],[34,73,34,85],[34,86,34,89],[34,90,34,94],[34,95,34,107],[36,7,36,67],[37,7,37,67],[33,2,33,6],[33,7,33,67],[33,68,33,72],[33,73,33,85],[33,86,33,89],[33,90,33,94],[33,95,33,107],[36,90,36,94],[36,95,36,107],[37,2,37,6],[37,68,37,72],[37,73,37,85],[37,86,37,89],[37,90,37,94],[37,95,37,107],[36,2,36,6],[36,68,36,72],[36,73,36,85],[36,86,36,89],[48,2,48,6],[48,7,48,67],[48,68,48,72],[48,73,48,85],[48,86,48,89],[48,90,48,94],[48,95,48,107],[49,2,49,6],[49,7,49,67],[49,68,49,72],[49,73,49,85],[49,86,49,89],[49,90,49,94],[49,95,49,107],[38,2,38,6],[38,7,38,67],[38,68,38,72],[38,73,38,85],[38,86,38,89],[38,90,38,94],[38,95,38,107],[47,2,47,6],[47,7,47,67],[47,68,47,72],[47,73,47,85],[47,86,47,89],[47,90,47,94],[47,95,47,107],[41,7,41,67],[42,7,42,67],[43,7,43,67],[44,7,44,67],[54,7,54,67],[57,2,57,6],[57,7,57,67],[57,68,57,72],[57,73,57,85],[57,86,57,89],[57,90,57,94],[57,95,57,107],[50,2,50,6],[50,7,50,67],[51,2,51,6],[51,7,51,67],[51,68,51,72],[51,73,51,85],[51,86,51,89],[51,90,51,94],[51,95,51,107],[50,73,50,85],[50,68,50,72],[50,86,50,89],[50,90,50,94],[50,95,50,107],[55,2,55,6],[55,7,55,67],[55,68,55,72],[55,73,55,85],[55,86,55,89],[55,90,55,94],[55,95,55,107],[53,95,53,107],[54,2,54,6],[54,68,54,72],[60,73,60,85],[60,86,60,89],[60,90,60,94],[60,95,60,107],[59,2,59,6],[59,7,59,67],[59,68,59,72],[59,73,59,85],[59,86,59,89],[59,90,59,94],[59,95,59,107],[60,7,60,67],[60,68,60,72],[63,7,63,67],[62,7,62,67],[62,90,62,94],[62,95,62,107],[63,2,63,6],[63,68,63,72],[63,73,63,85],[63,86,63,89],[63,90,63,94],[63,95,63,107],[62,2,62,6],[62,68,62,72],[62,73,62,85],[62,86,62,89],[52,7,52,67],[99,7,99,67],[99,2,99,6],[96,2,96,6],[96,7,96,67],[100,7,100,67],[105,2,105,107],[108,7,108,67],[112,2,112,67],[112,68,112,108],[107,2,107,67],[107,68,107,108],[82,2,82,67],[82,68,82,108],[14,68,14,73],[14,74,14,85],[14,90,14,95],[14,96,14,107],[80,2,80,107],[89,68,89,73],[89,74,89,85],[89,90,89,95],[89,96,89,107],[88,2,88,67],[88,68,88,108],[84,7,84,67],[52,68,52,72],[52,73,52,85],[52,86,52,89],[76,7,76,107],[76,2,76,6],[83,68,83,73],[52,90,52,94],[52,95,52,107],[137,2,137,6],[137,7,137,67],[137,68,137,72],[137,73,137,85],[137,86,137,89],[137,90,137,94],[137,95,137,107],[141,2,141,6],[141,7,141,67],[118,7,118,67],[119,7,119,67],[120,7,120,67],[121,2,121,6],[121,7,121,67],[122,2,122,6],[122,7,122,67],[123,7,123,67],[120,2,120,6],[119,90,119,94],[119,95,119,107],[119,2,119,6],[120,68,120,72],[120,73,120,85],[120,86,120,89],[120,90,120,94],[120,95,120,107],[118,2,118,6],[119,68,119,72],[119,73,119,85],[52,2,52,6],[119,86,119,89],[122,68,122,72],[151,2,153,6],[151,7,153,50],[151,54,153,68],[151,72,153,86],[151,87,153,92],[151,93,153,107],[151,70,151,71],[153,70,153,71],[153,52,153,53],[151,52,151,53],[152,52,152,53],[152,70,152,71],[150,87,150,92],[150,93,150,107],[146,7,146,67],[146,68,146,72],[146,73,146,85],[146,86,146,89],[146,90,146,94],[146,95,146,107],[122,73,122,85],[122,86,122,89],[122,90,122,94],[122,95,122,107],[124,2,124,107],[126,2,126,67],[130,68,130,73],[130,74,130,85],[130,86,130,89],[130,90,130,95],[154,54,156,68],[154,72,156,86],[154,87,156,92],[154,93,156,107],[155,52,155,53],[155,70,155,71],[157,2,159,6],[157,7,159,50],[157,54,159,68],[157,72,159,86],[157,87,159,92],[157,93,159,107],[158,52,158,53],[158,70,158,71],[154,70,154,71],[156,70,156,71],[157,70,157,71],[159,70,159,71],[159,52,159,53],[157,52,157,53]],"merged_total":1171,"flags":["merged_cut"]}
[]
[]
[null,null,null,null,null,null,null,"Self-Employed Income Worksheet"]
[null,null,null,null,null,null,null,"Cash Flow Analysis (SAM Method)"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,""]
[]
[]
[null," This worksheet is a written evaluation of the analysis of income related to self-employment.  The purpose of this written is to determine"]
[null," the amount of stable and continuous income that will be available to the borrowe for loan qulaifying purposes."]
[]
[null,null," IRS FROM 1040 – INDIVIDUAL TAX RETURNS"]
[]
[null,null,"I",null,null,null,null,"Form 1040 – Page 1",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,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,null,null,null,null,"Year",null,null,null,null,null,"Select Yr",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Yr"]
[null,null,"1",null,null,null,null,"Self-Employed Wages:  W2, Box 5",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[]
[null,null,"II",null,null,null,null,"Form 1040 – Page 1 Other Income"]
[null,null,"2",null,null,null,null,"Variable Income (e.g., Commissinos):  W2, Box 5",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"3",null,null,null,null,"Tax-Exempt Interest:  Line 8b",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"4",null,null,null,null,"Alimony Received:  Line 11",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"5",null,null,null,null,"Pension and/or IRA Distributions:  Lines 15a & 16a",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"6",null,null,null,null,"Recurring Unemployment Compensation:  Line 19",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"7",null,null,null,null,"Social Security Benefits:  Line 20a",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"8",null,null,null,null,"Other Income:  Line 21",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,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,null,null,null,null,"(+)",null,null,null,null,0,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,null,null,null,"Subtotal",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,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,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1002","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1002","v":0}]
[]
[null,null,"III",null,null,null,null,"Form 2106 – Employee Business Expenses"]
[null,null,"9",null,null,null,null,"Total Expenses:  Line 8, Columns A & B",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"10",null,null,null,null,"Depreciation:  Line 28: If blank, Stop and enter business miles",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"11",null,null,null,null,"Business Miles:  Line 13",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"11a",null,null,null,null,"Depreciation Rate - Yrs 2017/ 2018 = 25¢, 2019 = 26¢",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,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,null,null,null,null,"(x)",null,null,null,null,{"$f":"Data_Income!C1006","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(x)",null,null,null,null,{"$f":"Data_Income!D1006","v":0}]
[null,null,"11b",null,null,null,null,"Total Mileage Depreciation",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,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,null,null,null,null,"(=)",null,null,null,null,{"$f":"Data_Income!C1007","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(=)",null,null,null,null,{"$f":"Data_Income!D1007","v":0}]
[null,null,null,null,null,null,null,"Subtotal",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,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,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1008","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1008","v":0}]
[]
[null,null,"IV",null,null,null,null,"Schedule B – Interest and Ordinary Dividends"]
[null,null,"12",null,null,null,null,"Recurring Interest Income:  Line 1 or 1040 Line 8a",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"13",null,null,null,null,"Recurring Dividend Income:  Line 5 or 1040 Line 9a",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,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,null,null,null,null,"(+)",null,null,null,null,0,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,null,null,null,"Subtotal",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,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,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1010","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1010","v":0}]
[]
[null,null,"V",null,null,null,null,"Schedule C – Profit or Loss from Business: Sole Proprietorship"]
[null,null,"14",null,null,null,null,"Net Profit or (Loss):  Line 31",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,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,null,null,null,null,"(+/–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+/–)",null,null,null,null,0]
[null,null,"15",null,null,null,null,"Nonrecurring Other (Income) Loss or Expense:  Line 6",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,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,null,null,null,null,"(+/–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+/–)",null,null,null,null,0]
[null,null,"16",null,null,null,null,"Depletion:  Line 12",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"17",null,null,null,null,"Depreciation:  Line 13",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"18",null,null,null,null,"Meals and Entertainment Exclusion:  Line 24b",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,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,null,null,null,null,"(–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(–)",null,null,null,null,0]
[null,null,"19",null,null,null,null,"Business Use of Home:  Line 30",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"20",null,null,null,null,"Business Miles:  Page 2, part IV, Line 44a",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"20a",null,null,null,null,"Depreciation Rate - Yr  2017/ 2018 = 25¢, 2019 = 26¢",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,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,null,null,null,null,"(x)",null,null,null,null,{"$f":"Data_Income!C1014","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(x)",null,null,null,null,{"$f":"Data_Income!D1014","v":0}]
[null,null,"20b",null,null,null,null,"Total Mileage Depreciation",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,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,null,null,null,null,"(=)",null,null,null,null,{"$f":"Data_Income!C1015","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(=)",null,null,null,null,{"$f":"Data_Income!D1015","v":0}]
[null,null,"21",null,null,null,null,"Amortization/Casualty Loss (only if noted):  Page 2, part V",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,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,null,null,null,null,"(+)",null,null,null,null,0,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,null,null,null,"Subtotal",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,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,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1016","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1016","v":0}]
[]
[null,null,"VI",null,null,null,null,"Schedule D – Capital Gains and Losses"]
[null,null,"22",null,null,null,null,"Recurring Capital Gains (Loss):  page 2, Line 16",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,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,null,null,null,null,"(+)",null,null,null,null,0,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,null,null,null,"Subtotal",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,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,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1018","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1018","v":0}]
[]
[null,null,"VII",null,null,null,null,"Form 6252 – Installment Sale Income"]
[null,null,"23",null,null,null,null,"Principal Payments:  Line 21",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,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,null,null,null,null,"(+)",null,null,null,null,0,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,null,null,null,"Subtotal",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,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,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1020","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1020","v":0}]
[]
[null,null,"VIII",null,null,null,null,"Schedule E – Supplemental Income and Loss"]
[null,null,"24",null,null,null,null,"Royalty Income:  Line 14",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"25",null,null,null,null,"Total Expenses:  Line 20",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,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,null,null,null,null,"(–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(–)",null,null,null,null,0]
[null,null,"26",null,null,null,null,"Depletion:  Line 18",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,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,null,null,null,null,"(+)",null,null,null,null,0,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,null,null,null,"Subtotal",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,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,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1022","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1022","v":0}]
[]
[null,null,"IX",null,null,null,null,"Schedule F – Profit or Loss from Farming"]
[null,null,"27",null,null,null,null,"Net Profit (Loss):  Line 34",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,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,null,null,null,null,"(+/–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+/–)",null,null,null,null,0]
[null,null,"28",null,null,null,null,"Non-Tax Portion Ongoing Co-Op & CCC Payments:"]
[null,null,null,null,null,null,null,"    Lines 3a minus b through 6a minus b",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"29",null,null,null,null,"Nonrecurring Other (Income) or Loss:  Line 8",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,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,null,null,null,null,"(+/–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+/–)",null,null,null,null,0]
[null,null,"30",null,null,null,null,"Depreciation:  Line 14",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"31",null,null,null,null,"Amortization/Casualty Loss/Depletion (only if noted):  Line 32",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"32",null,null,null,null,"Business Use of Home (only if noted):  Line 32",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,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,null,null,null,null,"(+)",null,null,null,null,0,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,null,null,null,"Subtotal",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,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,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1024","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1024","v":0}]
[]
[null,null,"PARTNERSHIP CASH FLOW",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company Name:"]
[]
[null,null,"A self-employed borrower's share of Partnership earnings may be considered provided that the borrower can document ownership"]
[null,null,"share (for example, the Schedule K-1), and the borrower can document access to the income, and the business has adequate"]
[null,null,"liquidity to support the withdrawal of earnings."]
[null,null,"Part 1:  Schedule K-1 (Form 1065) Cash Flow"]
[null,null,"X",null,null,null,null,"Schedule K-1 Form 1065 – Partner's Share of Income",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,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,null,null,null,null,"Year",null,null,null,null,null,"Select Yr",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Yr"]
[null,null,"1",null,null,null,null,"Ordinary Income (Loss):  Line 1",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,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,null,null,null,null,"(+/–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+/–)",null,null,null,null,0]
[null,null,"2",null,null,null,null,"Net Rental Income (Loss):  Lines 2 & 3",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,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,null,null,null,null,"(+/–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+/–)",null,null,null,null,0]
[null,null,"3",null,null,null,null,"Guaranteed Payments to Partner:  Line 4",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,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,null,null,null,null,"(+)",null,null,null,null,0,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,null,null,null,"Subtotal",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,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,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1029","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1029","v":0}]
[null,null,"Part 2:  Partnership (Form 1065) Cash Flow"]
[null,null,"XI",null,null,null,null,"Form 1065 – Adjustments to Business Cash Flow",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,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,null,null,null,null,"Year",null,null,null,null,null,"Select Yr",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Yr"]
[null,null,"4",null,null,null,null,"Passthrough (Income) Loss from Other Partnerships:  Line 4",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,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,null,null,null,null,"(+/–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+/–)",null,null,null,null,0]
[null,null,"5",null,null,null,null,"Nonrecurring Other (Income) Loss:  Lines 5, 6, & 7",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,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,null,null,null,null,"(+/–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+/–)",null,null,null,null,0]
[null,null,"6",null,null,null,null,"Depreciation:  Line 16c",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"7",null,null,null,null,"Depletion:  Line 17",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"8",null,null,null,null,"Amortization/Casualty Loss:  Line 20 (only if noted)",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"9",null,null,null,null,"Mortgages or Notes Payable in Less than 1 Year:"]
[null,null,null,null,null,null,null,"    Schedule L, Line 16, Column d",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,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,null,null,null,null,"(–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(–)",null,null,null,null,0]
[null,null,"10",null,null,null,null,"Travel and Entertainment Exclusion:  Schedule M-1, Line 4b",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,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,null,null,null,null,"(–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(–)",null,null,null,null,0]
[null,null,"11",null,null,null,null,"Subtotal",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,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,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1032","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1032","v":0}]
[null,null,"12",null,null,null,null,"Multiplied by Ownership Percentage",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,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,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,"Partner's Total Share of Income (Loss)",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,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,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1034","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1034","v":0}]
[]
[null,null,"S-CORPORATION CASH FLOW",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company Name:"]
[]
[null,null,"A self-employed borrower's share of S-Corporation earnings may be considered provided that the borrower can document ownership"]
[null,null,"share (for example, the Schedule K-1), and the borrower can document access to the income, and the business has adequate"]
[null,null,"liquidity to support the withdrawal of earnings."]
[null,null,"Part 1:  Schedule K-1 (Form 1065) Cash Flow"]
[null,null,"XII",null,null,null,null,"S-Corporation Schedule K-1 (Form 1120S)",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,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,null,null,null,null,"Year",null,null,null,null,null,"Select Yr",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Yr"]
[null,null,"13",null,null,null,null,"a.",null,null,null,"Ordinary Income (Loss)",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,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,"(+/–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+/–)",null,null,null,null,0]
[null,null,"14",null,null,null,null,"b.",null,null,null,"Net Rental Real Estate: Other Net Income (Loss)",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,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,"(+/–)",null,null,null,null,0,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,null,null,null,"Subtotal",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,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,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1037","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1037","v":0}]
[null,null,"Part 2:  S-Corporation (Form 1120S) Cash Flow"]
[null,null,"XIII",null,null,null,null,"Form 1120S – Adjustments to Business Cash Flow",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,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,null,null,null,null,"Year",null,null,null,null,null,"Select Yr",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Yr"]
[null,null,"15",null,null,null,null,"Nonrecurring Other (Income) Loss:  Lines 4 & 5",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,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,null,null,null,null,"(+/–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+/–)",null,null,null,null,0]
[null,null,"16",null,null,null,null,"Depreciation:  Line 14",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"17",null,null,null,null,"Depletion:  Line 15",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"18",null,null,null,null,"Amortization/Casualty Loss:  Line 19 (only if noted)",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"19",null,null,null,null,"Mortgages or Notes Payable in Less than 1 Year:"]
[null,null,null,null,null,null,null,"    Schedule L, Line 17, Column d",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,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,null,null,null,null,"(–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(–)",null,null,null,null,0]
[null,null,"20",null,null,null,null,"Travel and Entertainment Exclusion:  Schedule M-1, Line 3b",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,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,null,null,null,null,"(–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(–)",null,null,null,null,0]
[null,null,"21",null,null,null,null,"Subtotal",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,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,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1040","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1040","v":0}]
[null,null,"22",null,null,null,null,"Multiplied by Ownership Percentage",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,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,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,"Partner's Total Share of Income (Loss)",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,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,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1042","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1042","v":0}]
[]
[null,null,"CORPORATION CASH FLOW",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Company Name:"]
[null,null,"Corporation (Form 1120) Cash Flow"]
[null,null,"When you consider using income from a Corporation, it is important to determine the viability of the business as well as the borrower's"]
[null,null,"ability to access funds that will be used to qualify."]
[]
[null,null,"XIV",null,null,null,null,"Form 1120 – Regular Corporation",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,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,null,null,null,null,"Year",null,null,null,null,null,"Select Yr",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,"Select Yr"]
[null,null,"23",null,null,null,null,"Taxable Income:  Line 30",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,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,null,null,null,null,"(+/–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+/–)",null,null,null,null,0]
[null,null,"24",null,null,null,null,"Total Tax:  Line 31",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,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,null,null,null,null,"(–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(–)",null,null,null,null,0]
[null,null,"25",null,null,null,null,"Nonrecurring (Gains) Losses:  Lines 8 & 9",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"26",null,null,null,null,"Nonrecurring Other (Income) Loss:  Line 10",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"27",null,null,null,null,"Depreciation:  Line 20",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"28",null,null,null,null,"Depletion:  Line 21",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"29",null,null,null,null,"Domestic Production Activities Deduction:  Line 25",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"30",null,null,null,null,"Amortization/Casualty Loss (only if noted):  Line 26",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"21",null,null,null,null,"Net Operating Loss and Special Deductions:  Lines 29a & b",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,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,null,null,null,null,"(+)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(+)",null,null,null,null,0]
[null,null,"32",null,null,null,null,"Mortgages or Notes Payable in Less than 1 Year"]
[null,null,null,null,null,null,null,"    Schedule L, Line 17, Column d",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,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,null,null,null,null,"(–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(–)",null,null,null,null,0]
[null,null,"33",null,null,null,null,"Travel and Entertainment Exclusion:  Schedule M-1, Line 5c",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,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,null,null,null,null,"(–)",null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(–)",null,null,null,null,0]
[null,null,"34",null,null,null,null,"Subtotal",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,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,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"35",null,null,null,null,"Multiplied by Ownership Percentage",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,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,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,"36",null,null,null,null,"Dividends Paid to Borrower:  Form 1040, Schedule B, Line 5",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,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,null,null,null,null,"(–)",null,null,null,null,0,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,null,null,null,"Corporation – Total Share of Income (Loss)",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,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,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1047","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1047","v":0}]
[]
[null,null,"CASH FLOW ANALYSIS SUMMARY"]
[]
[null,null,"Personal Cash Flow Subtotals",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,{"$f":"$BW$15","v":"Select Yr"},null,null,null,null,null,null,null,null,null,null,null,"Year",null,null,null,null,null,{"$f":"$CS$15","v":"Select Yr"},null,null,null,null,null,null,null,null,null,null,null,"Mos",null,null,null,null,null,"Qualifying Inc"]
[null,null,"I",null,null,null,null," Form 1040 Self-Employed Wages",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E1050","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G1050","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1050","v":0},null,null,null,null,null,{"$f":"Data_Income!I1050","v":0}]
[]
[]
[null,null,"II",null,null,null,null," Form 1040 Other Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E1051","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G1051","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1051","v":0},null,null,null,null,null,{"$f":"Data_Income!I1051","v":0}]
[]
[]
[null,null,"III",null,null,null,null," Form 2106 (exclude if entering on 1003)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E1052","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G1052","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1052","v":0},null,null,null,null,null,{"$f":"Data_Income!I1052","v":0}]
[]
[]
[null,null,"IV",null,null,null,null," Schedule B",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E1053","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G1053","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1053","v":0},null,null,null,null,null,{"$f":"Data_Income!I1053","v":0}]
[]
[]
[null,null,"V",null,null,null,null," Schedule C",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E1054","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G1054","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1054","v":0},null,null,null,null,null,{"$f":"Data_Income!I1054","v":0}]
[]
[]
[null,null,"VI",null,null,null,null," Schedule D",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E1055","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G1055","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1055","v":0},null,null,null,null,null,{"$f":"Data_Income!I1055","v":0}]
[]
[]
[null,null,"VII",null,null,null,null," Form 6252",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E1056","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G1056","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1056","v":0},null,null,null,null,null,{"$f":"Data_Income!I1056","v":0}]
[]
[]
[null,null,"VIII",null,null,null,null," Schedule E",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E1057","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G1057","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1057","v":0},null,null,null,null,null,{"$f":"Data_Income!I1057","v":0}]
[]
[]
[null,null,"IX",null,null,null,null," Schedule F",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E1058","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G1058","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1058","v":0},null,null,null,null,null,{"$f":"Data_Income!I1058","v":0}]
[]
[]
[null,null,"Partnership & S-Corp Cash Flow Subtotals",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mos",null,null,null,null,null,"Qualifying Inc"]
[null,null,"X",null,null,null,null," Schedule K-1 (Form 1065)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E1059","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G1059","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1059","v":0},null,null,null,null,null,{"$f":"Data_Income!I1059","v":0}]
[]
[]
[null,null,"XI",null,null,null,null," Form 1065",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E1060","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G1060","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1060","v":0},null,null,null,null,null,{"$f":"Data_Income!I1060","v":0}]
[]
[]
[null,null,"XII",null,null,null,null," Schedule K-1 (Form 1120S)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E1061","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G1061","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1061","v":0},null,null,null,null,null,{"$f":"Data_Income!I1061","v":0}]
[]
[]
[null,null,"XIII",null,null,null,null," Form 1120S",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E1062","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G1062","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1062","v":0},null,null,null,null,null,{"$f":"Data_Income!I1062","v":0}]
[]
[]
[null,null,"Corporation Cash Flow Subtotal",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Mos",null,null,null,null,null,"Qualifying Inc"]
[null,null,"XIV",null,null,null,null," Form 1120 - Regular Corporation",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E1063","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G1063","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1063","v":0},null,null,null,null,null,{"$f":"Data_Income!I1063","v":0}]
[]
[]
[null,null,null,null,null,null,null," Average Monthly Cash Flow",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I1064","v":0}]
[]
[]
[null,null,"YTD PROFIT & LOSS STATEMENT",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,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,null,null,null,null,null,null,null,null,null,"Year-to-Date thru:",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,{"$f":"+TODAY()","v":"2020-09-25"}]
[null,null,"Salary/Draws to Individual",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,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,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,null,null,null,null,null,null,null,null,0]
[null,null,"Net Profit X Percentage of Ownership",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,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,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,null,null,null,null,null,null,null,null,0]
[null,null,"Total Allowable Addbacks X Percentage of Ownership",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,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,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,null,null,null,null,null,null,null,null,0]
[null,null,"Year-to-Date Total",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,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,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,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E1070","v":0}]
[null,null,"Months Covered in Year-to-Date Total",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,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,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,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E1072","v":0}]
[null,null,"Average Monthly Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E1072","v":0}]
[]
[]
[null,null,"LIQUIDITY WORKSHEET",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,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,null,null,null,"Select Yr",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Yr",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Trend"]
[]
[null,null,"Schedule L – Assets"]
[null,null,"  Cash  (Line 1, Column d)",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,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,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"  Trade Notes & Accounts Receivable  (Line 2b, Column d)",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,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,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"  Inventories  (Line 3, Column d)",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,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,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Total Current Assets",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,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,null,null,null,{"$f":"Data_Income!E1080","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F1080","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G1080","v":""}]
[]
[null,null,"Schedule L – Liabilities"]
[null,null,"  Accounts Payable  (Line 16, Column d)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"  Mortgages notes bond payable less than one year"]
[null,null,"    (Line 17, Column d)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"  Other Current Liabilities  (Line 18, Column d)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Total Current Liabilities",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E1086","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F1086","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G1086","v":""}]
[]
[null,null,"Current Ratio"]
[null,null,"  Total Current Assets divided by Total Current Liabilities",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,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,null,null,null,{"$f":"Data_Income!E1088","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F1088","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G1088","v":""}]
[]
[null,null,"Quick Ratio"]
[null,null,"  Current Assets divided by Current Liabilities",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E1090","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!F1090","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!G1090","v":""}]
[]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Rental - FNMA 1037","index":35,"n_rows":63,"n_cols":90,"rows_kept":63,"cut":false,"hidden":true,"merged":[[26,2,27,6],[26,73,27,88],[26,89,27,104],[26,7,26,72],[30,2,30,72],[16,2,16,104],[30,73,30,104],[28,2,28,6],[28,7,28,72],[28,73,28,88],[28,89,28,104],[29,2,29,6],[29,7,29,72],[29,73,29,88],[29,89,29,104],[22,89,22,104],[52,22,52,104],[51,2,52,21],[47,2,47,104],[37,2,39,19],[37,20,37,88],[38,20,38,88],[46,2,46,104],[54,2,54,104],[55,2,55,104],[53,2,53,104],[49,38,49,104],[50,38,50,104],[49,22,50,37],[48,2,50,21],[48,22,48,104],[51,22,51,104],[33,89,34,104],[44,7,44,88],[45,7,45,88],[43,2,45,6],[43,89,45,104],[40,2,40,104],[43,7,43,88],[41,2,41,104],[42,2,42,6],[42,89,42,104],[42,7,42,88],[35,89,36,104],[37,89,39,104],[56,2,56,104],[57,2,57,104],[58,1,58,105],[59,1,59,105],[60,1,60,105],[61,1,61,105],[62,1,62,105],[12,2,12,72],[12,73,12,88],[12,89,12,104],[17,2,17,72],[18,73,18,88],[18,7,18,72],[20,2,20,6],[20,7,20,72],[20,73,20,88],[20,89,20,104],[21,2,21,6],[21,7,21,72],[21,73,21,88],[21,89,21,104],[18,89,18,104],[19,2,19,6],[19,7,19,72],[6,2,6,13],[6,14,6,64],[6,65,6,77],[6,78,6,104],[7,2,7,104],[8,2,8,104],[0,1,0,105],[1,1,1,105],[2,1,2,105],[3,1,3,105],[4,1,4,105],[5,2,5,104],[9,2,9,29],[9,30,9,104],[11,2,11,72],[11,73,11,88],[11,89,11,104],[10,2,10,104],[23,7,23,72],[15,2,15,104],[17,73,17,88],[17,89,17,104],[23,73,24,88],[23,89,24,104],[23,2,24,6],[31,2,31,88],[13,2,13,104],[14,2,14,104],[32,2,32,88],[31,89,32,104],[39,20,39,88],[19,73,19,88],[19,89,19,104],[18,2,18,6],[27,7,27,72],[24,7,24,72],[25,2,25,6],[25,7,25,72],[25,73,25,88],[25,89,25,104],[22,2,22,6],[22,7,22,72],[22,73,22,88],[35,7,35,88],[36,7,36,88],[35,2,36,6],[33,7,33,88],[33,2,34,6],[34,7,34,88]]}
[]
[]
[null,"Rental Income Worksheet ─ FNMA Form 1037"]
[null,"Principal Residence / 2-4 Unit Property"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[]
[]
[null,null," Rental Property Address:"]
[]
[null,null," Step 1.  Schedule E - Part 1",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null," The number of months the property was in service (for use with Step 2A)",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Note:  Determine the number of months the property was in service by dividing the Fair Rental Days by 30. If Fair Rental Days"]
[null,null,"are not reported, the property is considered to be in service for 12 months unless there is evidence of a shorter term of service."]
[]
[null,null,"Step 2:  Complete ONLY Step 2A (Tax Returns Schedule E) or Step 2B (Lease Agreement)"]
[null,null," Step 2A.  Schedule E - Part 1",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BV12","v":"Select Year"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CL12","v":"Select Year"}]
[null,null,"A1",null,null,null,null," Enter total rents received (from the non-owner-occupied units combined).",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,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,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"A2",null,null,null,null," Subtract total expenses.",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,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,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"A3",null,null,null,null," Add back insurance expense.",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,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,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"A4",null,null,null,null," Add back mortgage interest paid.",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,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,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"A5",null,null,null,null," Add back tax expense.",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,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,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"A6",null,null,null,null," Add back homeowner's association dues.  This expense must be ",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,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,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null," specifically identified on Schedule E in order to add it back."]
[null,null,"A7",null,null,null,null," Add back depreciation expense or depletion.",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,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,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"A8",null,null,null,null," Add back any one-time extraordinary expense (e.g. casualty loss).",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,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,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null," There must be evidence of the nature of the one-time extraordinary expense."]
[null,null,null,null,null,null,null," Adjusted rental income.",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,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,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1148","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1148","v":0}]
[null,null,"A9",null,null,null,null," Divide by the number of months the property was in service",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,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,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1149","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1149","v":0}]
[null,null,{"$f":"Data_Income!C1151","v":" Step 2A Result: Monthly qualifying rental income (or loss) 0 mo avg."},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1150","v":0}]
[null,null," Step 2B.  Lease Agreement OR FNMA Form 1025  (Use this method when the transaction",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,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,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,null,null,"Select Year"]
[null,null," is a purchase, and the property was acquired subsequent to the most recent tax filing.)"]
[null,null,"B1",null,null,null,null," Enter the gross monthly rent (from the lease agreement) or market rent (from Form 1025)",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,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,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,null,null,null," (up to a maximum of 3 rental units since rental income is not eligible on the unit occupied by the borrower)"]
[null,null,"B2",null,null,null,null," Multiply gross monthly rent or market rent by 75%. The remaining 25% accounts for",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,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,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,0.75]
[null,null,null,null,null,null,null," vacancy loss, maintenance, and management expenses."]
[null,null," Step 2B. Result:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly qualifying gross monthly rent from all non-owner-occupied ",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,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,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1156","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"rental units (of 3 rental units since rental income is not eligible on the unit"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"occupied by the borrower)."]
[]
[null,null," Step 3.  Determine the qualifying impact using the combined result of Step 2A or Step 2B"]
[null,null,"3A",null,null,null,null," Add the monthly qualifying rental income to the borrower's monthly qualifying income.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1159","v":0}]
[null,null,"3B",null,null,null,null," Identify the full amount of the PITIA as the borrower's primary housing expense and ",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,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,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,null,null,null," include it in the debt-to-income ratio.  Use proposed PITIA if the calculations above are for"]
[null,null,null,null,null,null,null," the subject property. Use existing PITIA, if the calculations above are not for the subject property."]
[]
[null,null,"Notes on Data Entry into lender's system and AUS"]
[null,null," Subject Property",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Monthly income section:  Enter the amount of the monthly qualifying income as \"Subject Net Cash\"."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Liabilities section: ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Include the proposed PITI as the borrower's primary housing expense.  For"]
[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,null,null,null,null,null,null,null,null,null,null,"refinance transactions, identify the mortgage as the subject property lien."]
[null,null," Non-Subject Property",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Monthly income section:  Enter the amount of the monthly qualifying income as \"Net Rental\"."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Liabilities section:  Include the proposed PITI as the borrower's primary housing expense."]
[null,null,"Refer to the Rental Income topic in the Selling Guide for additional guidance."]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Rental - FNMA 1038 (single)","index":36,"n_rows":67,"n_cols":90,"rows_kept":67,"cut":false,"hidden":true,"merged":[[6,2,6,13],[6,14,6,64],[6,65,6,77],[6,78,6,104],[7,2,7,104],[8,2,8,104],[0,1,0,105],[1,1,1,105],[2,1,2,105],[3,1,3,105],[4,1,4,105],[5,2,5,104],[18,2,18,6],[18,7,18,72],[18,73,18,88],[18,89,18,104],[9,2,9,29],[9,30,9,104],[16,2,16,104],[17,2,17,72],[17,73,17,88],[17,89,17,104],[13,2,13,104],[14,2,14,104],[15,2,15,104],[10,2,10,104],[11,2,11,72],[11,73,11,88],[11,89,11,104],[12,2,12,72],[12,73,12,88],[12,89,12,104],[21,2,21,6],[21,7,21,72],[21,73,21,88],[21,89,21,104],[22,2,22,6],[22,7,22,72],[22,73,22,88],[22,89,22,104],[19,2,19,6],[19,7,19,72],[19,73,19,88],[19,89,19,104],[20,2,20,6],[20,7,20,72],[20,73,20,88],[20,89,20,104],[23,2,24,6],[23,7,23,72],[23,73,24,88],[23,89,24,104],[24,7,24,72],[25,2,25,6],[25,7,25,72],[25,73,25,88],[25,89,25,104],[26,2,27,6],[26,7,26,72],[26,73,27,88],[26,89,27,104],[27,7,27,72],[28,2,28,6],[28,7,28,72],[28,73,28,88],[28,89,28,104],[31,7,31,88],[32,89,32,104],[32,2,32,88],[30,7,30,88],[41,89,41,104],[43,2,43,104],[44,7,44,88],[33,2,33,88],[35,7,35,88],[37,2,38,6],[37,7,37,88],[37,89,38,104],[38,7,38,88],[41,2,41,88],[39,2,39,6],[39,89,39,104],[40,2,40,6],[40,89,40,104],[39,7,39,88],[30,89,30,104],[31,2,31,6],[31,89,31,104],[36,7,36,88],[35,2,36,6],[64,1,64,105],[65,1,65,105],[66,1,66,105],[29,2,29,6],[29,7,29,72],[29,73,29,88],[29,89,29,104],[30,2,30,6],[62,1,62,105],[63,1,63,105],[58,2,58,104],[59,2,59,104],[60,2,60,104],[61,2,61,104],[51,2,53,21],[51,22,51,104],[54,2,56,21],[54,22,54,104],[56,22,56,104],[55,22,55,104],[50,2,50,104],[57,2,57,104],[40,7,40,88],[42,2,42,104],[35,89,36,104],[34,2,34,88],[33,89,34,104],[45,7,45,88],[46,7,46,88],[44,2,46,6],[44,89,46,104],[52,22,52,104],[53,22,53,104],[47,2,48,6],[47,7,47,88],[47,89,48,104],[48,7,48,88],[49,2,49,104]]}
[]
[]
[null,"Rental Income Worksheet ─ FNMA Form 1038"]
[null,"Individual Rental Income from Investment Property"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[]
[]
[null,null," Rental Property Address:"]
[]
[null,null," Step 1.  Schedule E - Part 1",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null," The number of months the property was in service (for use with Step 2A)",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Note:  Determine the number of months the property was in service by dividing the Fair Rental Days by 30. If Fair Rental Days"]
[null,null,"are not reported, the property is considered to be in service for 12 months unless there is evidence of a shorter term of service."]
[]
[null,null,"Step 2:  Complete ONLY Step 2A (Tax Returns Schedule E) or Step 2B (Lease Agreement)"]
[null,null," Step 2A.  Schedule E - Part 1",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BV12","v":"Select Year"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CL12","v":"Select Year"}]
[null,null,"A1",null,null,null,null," Enter total rents received.",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,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,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"A2",null,null,null,null," Enter total expenses.",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,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,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"A3",null,null,null,null," Enter insurance expense.",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,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,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"A4",null,null,null,null," Enter mortgage interest paid.",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,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,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"A5",null,null,null,null," Enter tax expense.",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,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,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"A6",null,null,null,null," Enter homeowner's association dues.  This expense must be ",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,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,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null," specifically identified on Schedule E in order to add it back."]
[null,null,"A7",null,null,null,null," Enter depreciation expense or depletion.",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,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,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"A8",null,null,null,null," Enter any one-time extraordinary expense (e.g. casualty loss).",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,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,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null," There must be documented evidence of the nature of the one-time expense."]
[null,null,null,null,null,null,null," Adjusted rental income.",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,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,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1176","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1176","v":0}]
[null,null,"A9",null,null,null,null," Enter number of months the property was in service (Step 1 result).",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,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,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1177","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1177","v":0}]
[null,null,null,null,null,null,null," Equals adjusted monthly rental income",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,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,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,{"$f":"Data_Income!D1178","v":0}]
[null,null,"A10",null,null,null,null," Enter proposed PITIA (subject property) or existing PITIA (non-subject property)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"Data_Income!C1181","v":" Step 2A Result: Monthly qualifying rental income (or loss) 0 mo avg."},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,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,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,null,null,{"$f":"Data_Income!D1180","v":0}]
[null,null," Step 2B.  Lease Agreement OR FNMA Form 1025  (Use this method when the transaction",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,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,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,null,null,"Select Year"]
[null,null," is a purchase, and the property was acquired subsequent to the most recent tax filing.)"]
[null,null,"B1",null,null,null,null," Enter the gross monthly rent (from the lease agreement) or market rent (from Form 1025)",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,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,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,null,null,null," For multi-unit properties, combine gross rent from all rental units."]
[null,null,"B2",null,null,null,null," Multiply gross monthly rent or market rent by 75%. The remaining 25% accounts for",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,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,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,0.75]
[null,null,null,null,null,null,null," vacancy loss, maintenance, and management expenses."]
[null,null,null,null,null,null,null," Equals adjusted monthly rental income",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,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,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,{"$f":"Data_Income!D1186","v":0}]
[null,null,"B3",null,null,null,null," Enter proposed PITIA (for subject property) or existing PITIA (for non-subject property)",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,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,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," Step B. Result: Monthly qualifying gross monthly rent",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,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,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,null,null,{"$f":"Data_Income!D1188","v":0}]
[]
[null,null," Step 3.  Determine the qualifying impact using the combined result of Step 2A or Step 2B"]
[null,null,"3A",null,null,null,null," If the results of Step 2A or 2B is positive, add the positive amount to the borrower's",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1190","v":0}]
[null,null,null,null,null,null,null," monthly qualifying income. Because the PITIA expense was excluded in the calculations above,"]
[null,null,null,null,null,null,null," do not add it to the debt-to-income (DTI) ratio."]
[null,null,"3B",null,null,null,null," If the results of Step 2A or 2B is negative, include the amount of the loss in the borrower's",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,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,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,{"$f":"Data_Income!D1191","v":0}]
[null,null,null,null,null,null,null," monthly expenses when calculating the DTI ratio."]
[]
[null,null,"Notes on Data Entry into lender's system and AUS"]
[null,null," Subject Property",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Monthly income and Combined Housing Expenses sections:  Enter the amount of the monthly qualifying"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," income (positive result) or monthly qualifying loss (negative result) in \"Subject Net Cash\"."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Liabilities section:  For refinance transactions, identify the mortgage as a subject property lien."]
[null,null," Non-Subject Property",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Monthly income and Combined Housing Expenses sections:  Enter the amount of the monthly qualifying"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," income (positive result) or monthly qualifying loss (negative result) in \"Net Rental\"."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Liabilities section:  Identify the mortgage as a rental property lien."]
[null,null,"Refer to the Rental Income topic in the Selling Guide for additional guidance."]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Rental - FNMA 1038 (multiple)","index":37,"n_rows":85,"n_cols":94,"rows_kept":85,"cut":false,"hidden":true,"merged":[[14,45,14,56],[14,57,14,68],[14,69,14,80],[14,81,14,92],[14,93,14,104],[13,2,14,32],[15,33,16,44],[15,45,16,56],[15,57,16,68],[15,69,16,80],[15,81,16,92],[15,93,16,104],[15,2,15,32],[16,2,16,32],[39,2,41,6],[39,7,39,32],[40,7,40,32],[41,7,41,32],[38,2,38,6],[38,7,38,32],[62,2,62,104],[63,2,63,104],[66,2,66,22],[64,23,64,104],[66,23,66,104],[58,2,59,6],[58,7,58,88],[58,89,59,104],[59,7,59,88],[60,2,60,104],[53,2,53,104],[61,2,61,104],[65,23,65,104],[52,81,52,92],[44,69,44,80],[44,81,44,92],[44,93,44,104],[45,69,45,80],[0,1,0,105],[1,1,1,105],[2,1,2,105],[3,1,3,105],[4,1,4,105],[5,2,5,104],[23,7,23,32],[23,33,23,44],[23,45,23,56],[23,57,23,68],[23,69,23,80],[23,81,23,92],[23,93,23,104],[6,2,6,13],[6,14,6,64],[6,65,6,77],[6,78,6,104],[7,2,7,104],[8,2,8,104],[17,2,17,104],[13,33,13,56],[13,57,13,80],[13,81,13,104],[14,33,14,44],[18,2,18,104],[19,2,19,104],[23,2,23,6],[24,2,24,6],[24,7,24,32],[24,33,24,44],[24,45,24,56],[24,57,24,68],[24,69,24,80],[24,81,24,92],[24,93,24,104],[22,57,22,68],[22,69,22,80],[22,81,22,92],[22,93,22,104],[20,2,20,104],[25,2,25,6],[25,7,25,32],[25,33,25,44],[25,45,25,56],[25,57,25,68],[25,69,25,80],[25,81,25,92],[25,93,25,104],[26,2,26,6],[26,7,26,32],[26,33,26,44],[26,45,26,56],[26,57,26,68],[26,69,26,80],[26,81,26,92],[26,93,26,104],[27,2,27,6],[27,7,27,32],[27,33,27,44],[27,45,27,56],[27,57,27,68],[27,69,27,80],[27,81,27,92],[27,93,27,104],[28,2,30,6],[28,7,28,32],[28,33,30,44],[28,45,30,56],[28,57,30,68],[28,69,30,80],[28,81,30,92],[28,93,30,104],[29,7,29,32],[30,7,30,32],[36,57,37,68],[36,69,37,80],[36,81,37,92],[36,93,37,104],[37,7,37,32],[31,2,31,6],[31,7,31,32],[31,33,31,44],[31,45,31,56],[31,57,31,68],[31,69,31,80],[31,81,31,92],[31,93,31,104],[32,2,34,6],[32,7,32,32],[32,33,34,44],[32,45,34,56],[32,57,34,68],[32,69,34,80],[32,81,34,92],[32,93,34,104],[33,7,33,32],[34,7,34,32],[68,2,68,104],[54,2,54,104],[55,2,57,6],[55,7,55,88],[55,89,57,104],[56,7,56,88],[57,7,57,88],[65,2,65,22],[64,2,64,22],[67,2,67,104],[81,1,81,105],[82,1,82,105],[83,1,83,105],[84,1,84,105],[21,2,22,32],[21,33,21,56],[21,57,21,80],[21,81,21,104],[22,33,22,44],[22,45,22,56],[75,2,75,104],[76,2,76,104],[77,2,77,104],[78,2,78,104],[79,2,79,104],[80,1,80,105],[69,2,71,21],[69,22,69,104],[70,22,70,104],[71,22,71,104],[72,2,74,21],[72,22,72,104],[73,22,73,104],[74,22,74,104],[9,2,9,26],[9,27,9,104],[10,2,10,26],[10,27,10,104],[11,2,11,26],[11,27,11,104],[48,2,48,6],[49,2,49,6],[50,2,51,6],[46,7,46,68],[42,2,42,32],[43,2,43,32],[35,2,35,6],[35,7,35,32],[35,33,35,44],[35,45,35,56],[35,57,35,68],[35,69,35,80],[35,81,35,92],[35,93,35,104],[36,2,37,6],[36,7,36,32],[36,33,37,44],[36,45,37,56],[45,81,45,92],[45,93,45,104],[44,2,45,68],[46,69,47,80],[48,69,48,80],[49,69,49,80],[50,69,51,80],[52,69,52,80],[46,2,46,6],[46,93,47,104],[48,93,48,104],[49,93,49,104],[50,93,51,104],[52,93,52,104],[47,7,47,68],[48,7,48,68],[49,7,49,68],[50,7,50,68],[51,7,51,68],[52,2,52,68],[46,81,47,92],[48,81,48,92],[49,81,49,92],[50,81,51,92],[38,33,38,56],[39,33,41,56],[42,33,43,56],[38,57,38,80],[39,57,41,80],[42,57,43,80],[38,81,38,104],[39,81,41,104],[42,81,43,104]]}
[]
[]
[null,"Rental Income Worksheet ─ FNMA Form 1038"]
[null,"Individual Rental Income from Investment Property"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[]
[]
[null,null," Property #1 Address:"]
[null,null," Property #2 Address:"]
[null,null," Property #3 Address:"]
[]
[null,null,"Step 1.\nSchedule E - Part 1",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,null,null,"Property #1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property #2",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property #3"]
[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,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Number of months property was"]
[null,null,"in service"]
[null,null,"Note:  Determine the number of months the property was in service by dividing the Fair Rental Days by 30. If Fair Rental Days"]
[null,null,"are not reported, the property is considered to be in service for 12 months unless there is evidence of a shorter term of service."]
[]
[null,null,"Step 2A.  Schedule E - Part 1"]
[null,null,"Schedule E",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,null,null,"Property #1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property #2",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property #3"]
[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,null,null,null,null,null,{"$f":"Data_Income!C1198","v":"Select Year"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1198","v":"Select Year"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1227","v":"Select Year"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1227","v":"Select Year"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CD15","v":"Select Year"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"+CP15","v":"Select Year"}]
[null,null,"A1",null,null,null,null,"Total rents received.",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,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"A2",null,null,null,null,"Total expenses.",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,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"A3",null,null,null,null,"Insurance expense.",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,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"A4",null,null,null,null,"Mortgage interest paid.",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,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"A5",null,null,null,null,"Tax expense.",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,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"A6",null,null,null,null,"HOA Dues.",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,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null," This expense must be specifically identified on"]
[null,null,null,null,null,null,null," Schedule E in order to add it back."]
[null,null,"A7",null,null,null,null,"Depreciation expense or depletion.",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,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"A8",null,null,null,null,"Any one-time extraordinary expense (e.g. casualty loss).",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,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,"expense (e.g. casualty loss).\n There must be evidence"]
[null,null,null,null,null,null,null," of the nature of the one-time extraordinary expense."]
[null,null,null,null,null,null,null," Adjusted rental income.",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,{"$f":"Data_Income!C1207","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1207","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1236","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1236","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1265","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1265","v":0}]
[null,null,"A9",null,null,null,null,"Number of months",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,{"$f":"Data_Income!C1208","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1208","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1237","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1237","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1266","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1266","v":0}]
[null,null,null,null,null,null,null,"property was in service"]
[null,null,null,null,null,null,null,"Adjusted monthly rental income",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,{"$f":"Data_Income!D1209","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1238","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1267","v":0}]
[null,null,"A10",null,null,null,null,"Proposed PITIA (subject",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,"property or existing PITIA"]
[null,null,null,null,null,null,null,"(non-subject property)"]
[null,null,"Step 2A Result: Monthly qualifying",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1211","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1240","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1269","v":0}]
[null,null,"rental income (loss)"]
[null,null,"Step 2B.  Lease Agreement\nor FNMA Form 1025",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,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,null,null,null,null,null,null,null,null,null,null,"Property #1",null,null,null,null,null,null,null,null,null,null,null,"Property #2",null,null,null,null,null,null,null,null,null,null,null,"Property #3"]
[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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"B1",null,null,null,null,"Enter the gross monthly rent (from the lease agreement) or",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,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,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,"or market rent (Form 1025)"]
[null,null,"B2",null,null,null,null,"Multiply gross monthly rent or market rent by 75%",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,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,null,null,null,null,null,0.75,null,null,null,null,null,null,null,null,null,null,null,0.75,null,null,null,null,null,null,null,null,null,null,null,0.75]
[null,null,null,null,null,null,null,"Adjusted monthly rental income",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,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,null,null,null,null,null,{"$f":"Data_Income!D1216","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1245","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1274","v":0}]
[null,null,"B3",null,null,null,null,"Enter proposed PITIA (for subject property) or existing PITIA",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,"for non-subject property)"]
[null,null,"Step 2B Result: Monthly qualifying rental income (loss)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1218","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1247","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1276","v":0}]
[]
[null,null," Step 3.  Determine the qualifying impact using the combined result of Step 2A or Step 2B"]
[null,null,"3A",null,null,null,null,"If the results of Step 2A or 2B is positive, add the positive amount to the borrower's",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,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,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,{"$f":"Data_Income!D1283","v":0}]
[null,null,null,null,null,null,null,"monthly qualifying income. Because the PITIA expense was excluded in the calculations"]
[null,null,null,null,null,null,null,"above, do not add it to the debt-to-income (DTI) ratio."]
[null,null,"3B",null,null,null,null,"If the results of Step 2A or 2B is negative, include the amount of the loss in the",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1284","v":0}]
[null,null,null,null,null,null,null,"borrower's monthly expenses when calculating the DTI ratio."]
[]
[null,null,"Reference notes for calculations above"]
[null,null,"The following expenses, if added back, must be included in the monthly housing expense being used to establish DTI ratio:"]
[null,null,"Hazard Insurance, Mortgage Interest paid to banks, Property Taxes, and HOA Dues"]
[null,null,"Taxes:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"The taxes added back must represent only real estate taxes included in the monthly housing expense."]
[null,null,"HOA dues",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"This expense must be specifically identified on Schedule E."]
[null,null,"One time losses:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"There must be documented evidence of the one time loss (e.g. casualty loss)."]
[]
[null,null,"Notes on Data Entry into lender's system and AUS"]
[null,null," Subject Property",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Monthly income and Combined Housing Expenses sections:  Enter the amount of the monthly qualifying"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," income (positive result) or monthly qualifying loss (negative result) in \"Subject Net Cash\"."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Liabilities section:  For refinance transactions, identify the mortgage as a subject property lien."]
[null,null," Non-Subject Property",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Monthly income and Combined Housing Expenses sections:  Enter the amount of the monthly qualifying"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," income (positive result) or monthly qualifying loss (negative result) in \"Net Rental\"."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Liabilities section:  Identify the mortgage as a rental property lien."]
[null,null,"Refer to the Rental Income topic in the Selling Guide for additional guidance."]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Rental - FHLMC 92 - I & II","index":38,"n_rows":47,"n_cols":103,"rows_kept":47,"cut":false,"hidden":true,"merged":[[23,2,23,72],[22,73,23,88],[22,89,23,104],[25,2,25,72],[26,2,26,72],[24,73,26,88],[24,89,26,104],[21,2,21,72],[20,73,21,88],[20,89,21,104],[14,2,14,72],[14,73,14,88],[14,89,14,104],[15,2,15,72],[15,73,15,88],[15,89,15,104],[16,2,16,104],[18,73,18,88],[18,89,18,104],[19,73,19,88],[19,89,19,104],[17,2,17,72],[17,73,17,88],[8,2,8,104],[0,1,0,105],[1,1,1,105],[2,1,2,105],[3,1,3,105],[4,1,4,105],[5,2,5,104],[6,2,6,13],[6,14,6,64],[6,65,6,77],[6,78,6,104],[7,2,7,104],[17,89,17,104],[9,2,9,29],[9,30,9,104],[10,2,10,104],[11,2,11,104],[13,2,13,104],[12,2,12,101],[12,102,12,104],[27,73,27,88],[27,89,27,104],[30,73,30,88],[30,89,30,104],[28,2,28,72],[29,2,29,72],[28,73,29,88],[28,89,29,104],[36,2,36,104],[37,2,37,104],[35,2,35,104],[43,1,43,105],[44,1,44,105],[45,1,45,105],[46,1,46,105],[18,2,18,72],[19,2,19,72],[20,2,20,72],[22,2,22,72],[24,2,24,72],[27,2,27,72],[38,2,38,104],[39,2,39,104],[40,2,40,104],[41,2,41,104],[42,1,42,105],[30,2,30,72],[31,2,31,72],[31,73,31,88],[34,89,34,104],[34,2,34,88],[31,89,31,104],[32,89,32,104],[32,2,32,88],[33,2,33,88],[33,89,33,104]]}
[]
[]
[null,"Rental Income Worksheet ─ FHLMC Form 92"]
[null,"Subject 2- to 4-unit Primary Residence / Subject Investment Property"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[]
[]
[null,null," Rental Property Address:"]
[]
[null,null,"Select Rental Income Property Type"]
[null,null,"< Click here to select from drop down options >",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,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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ò"]
[]
[null,null," Number of Applicable Months",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null," The number of months the property was in service",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null," IRS 1040 Schedule E ‒ Supplemental Income and Loss",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1299","v":"Select Year"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1299","v":"Select Year"}]
[null,null," Rents received",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Less total expenses",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Insurance ― This expense, if added back, must be included in the monthly housing",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," expense being used to establish the DTI ratio."]
[null,null," Mortgage interest paid to banks, etc. ― This expense, if added back, must be",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," included in the monthly housing expense being used to establish the DTI ratio."]
[null,null," Taxes ― The taxes added back must represent only real estate taxes included in the",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," monthly housing expense. This expense, if added back, must be included in the monthly housing"]
[null,null," expense being used to establish the DTI ratio."]
[null,null," Depreciation and/or depletion",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," HOA dues (if specifically reported as an expense) ― This expense, if added back,",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," must be included in the monthly housing expense being used to establish the DTI ratio."]
[null,null," One time losses (e.g., casualty loss) if documented",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Subtotal annual rental income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1308","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1308","v":0}]
[null,null," Subtotal all rental income",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,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,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,null,null,{"$f":"Data_Income!D1309","v":0}]
[null,null," Number of applicable months",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1310","v":0}]
[null,null," Result: Net Rental Income (calculated to a monthly amount)",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,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,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,null,null,{"$f":"Data_Income!D1311","v":0}]
[]
[null,null,"ESTABLISHING DTI RATIO (Section 5306.1(d))"]
[null,null,{"$f":"Data_Income!C1317","v":""}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Rental - FHLMC 92 - III","index":39,"n_rows":68,"n_cols":94,"rows_kept":68,"cut":false,"hidden":true,"merged":[[63,1,63,105],[64,1,64,105],[65,1,65,105],[66,1,66,105],[67,1,67,105],[5,1,5,105],[7,2,7,104],[8,2,8,104],[38,2,38,104],[62,2,62,104],[58,2,58,89],[58,90,58,104],[59,2,59,104],[60,2,60,104],[61,2,61,104],[6,65,6,77],[6,78,6,104],[44,2,44,22],[44,23,44,104],[45,2,45,104],[46,2,46,104],[47,2,47,104],[48,2,48,104],[49,2,49,104],[57,2,57,13],[57,14,57,59],[57,60,57,74],[57,75,57,89],[57,90,57,104],[53,75,53,89],[53,90,53,104],[54,2,54,13],[54,14,54,59],[54,60,54,74],[54,75,54,89],[54,90,54,104],[55,2,55,13],[55,14,55,59],[55,60,55,74],[55,75,55,89],[55,90,55,104],[53,2,53,13],[53,14,53,59],[53,60,53,74],[56,2,56,13],[56,14,56,59],[56,60,56,74],[56,75,56,89],[56,90,56,104],[51,75,51,89],[51,90,51,104],[37,57,37,80],[37,81,37,104],[39,2,39,104],[40,2,40,104],[41,2,41,104],[42,2,42,22],[42,23,42,104],[43,2,43,22],[43,23,43,104],[37,2,37,32],[25,33,25,44],[25,45,25,56],[25,57,25,68],[25,69,25,80],[26,81,26,92],[26,93,26,104],[33,45,33,56],[33,57,33,68],[33,69,33,80],[33,81,33,92],[33,93,33,104],[28,57,28,68],[28,69,28,80],[28,81,28,92],[28,93,28,104],[29,2,29,32],[29,33,29,44],[29,45,29,56],[29,57,29,68],[29,69,29,80],[29,81,29,92],[29,93,29,104],[28,2,28,32],[28,33,28,44],[28,45,28,56],[18,81,18,92],[18,93,18,104],[25,81,25,92],[19,2,19,32],[19,33,19,44],[19,45,19,56],[19,57,19,68],[19,69,19,80],[19,81,19,92],[19,93,19,104],[20,2,20,32],[20,33,21,44],[20,45,21,56],[20,57,21,68],[20,69,21,80],[20,81,21,92],[20,93,21,104],[21,2,21,32],[25,93,25,104],[22,2,22,32],[22,33,22,56],[22,57,22,80],[22,81,22,104],[25,2,25,32],[13,81,13,92],[13,93,13,104],[16,2,16,32],[16,33,16,44],[16,45,16,56],[16,57,16,68],[16,69,16,80],[16,81,16,92],[16,93,16,104],[14,81,14,92],[14,93,14,104],[15,81,15,92],[15,93,15,104],[14,2,14,32],[14,33,14,44],[14,45,14,56],[14,57,14,68],[14,69,14,80],[15,2,15,32],[15,33,15,44],[15,45,15,56],[15,57,15,68],[15,69,15,80],[9,2,9,32],[9,33,9,56],[9,57,9,80],[9,81,9,104],[2,1,2,105],[1,1,1,105],[6,2,6,13],[6,14,6,64],[10,2,10,32],[10,33,10,44],[10,45,10,56],[10,57,10,68],[10,69,10,80],[10,81,10,92],[10,93,10,104],[4,1,4,105],[3,1,3,105],[11,2,11,32],[11,33,11,44],[11,45,11,56],[11,57,11,68],[11,69,11,80],[11,81,11,92],[11,93,11,104],[23,2,23,104],[24,2,24,32],[24,33,24,56],[24,57,24,80],[24,81,24,104],[12,2,12,32],[12,33,12,44],[12,45,12,56],[12,57,12,68],[12,69,12,80],[12,81,12,92],[12,93,12,104],[13,2,13,32],[13,33,13,44],[13,45,13,56],[13,57,13,68],[13,69,13,80],[17,2,17,32],[17,33,17,44],[27,2,27,32],[27,33,27,44],[27,45,27,56],[27,57,27,68],[27,69,27,80],[27,81,27,92],[27,93,27,104],[26,2,26,32],[26,33,26,44],[26,45,26,56],[26,57,26,68],[26,69,26,80],[17,45,17,56],[17,57,17,68],[17,69,17,80],[17,81,17,92],[17,93,17,104],[18,2,18,32],[18,33,18,44],[18,45,18,56],[18,57,18,68],[18,69,18,80],[30,2,30,32],[30,33,30,44],[30,45,30,56],[30,57,30,68],[30,69,30,80],[30,81,30,92],[30,93,30,104],[52,2,52,13],[52,14,52,59],[52,60,52,74],[52,75,52,89],[52,90,52,104],[34,2,34,32],[34,33,34,44],[34,45,34,56],[34,57,34,68],[34,69,34,80],[34,81,34,92],[34,93,34,104],[35,2,35,32],[35,33,36,44],[35,45,36,56],[35,57,36,68],[35,69,36,80],[36,2,36,32],[50,2,50,104],[51,2,51,13],[51,14,51,59],[51,60,51,74],[31,2,31,32],[31,33,31,44],[31,45,31,56],[31,57,31,68],[31,69,31,80],[31,81,31,92],[31,93,31,104],[32,57,32,68],[32,69,32,80],[32,81,32,92],[32,93,32,104],[32,2,32,32],[32,33,32,44],[32,45,32,56],[37,33,37,56],[33,2,33,32],[33,33,33,44],[35,81,36,92],[35,93,36,104]]}
[]
[]
[null,"Rental Income Worksheet ─ FHLMC Form 92"]
[null,"Non-Subject Investment Property(s)"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[]
[]
[null,null,"IRS 1040 Schedule E",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,null,null,"Property #1",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property #2",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property #3"]
[null,null,"Supplemental Income & Loss",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,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Rents received",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,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Less total expenses",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,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Insurance",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,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Mortgage interest paid to banks, etc.",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,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Taxes",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,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Depreciation and/or depletion",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,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"HOA dues",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,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"One time losses",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,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Subtotal annual rental income",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,null,null,{"$f":"Data_Income!C1330","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1330","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1347","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1347","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1364","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1364","v":0}]
[null,null,"Number of months the property was in service"]
[null,null,"was in service"]
[null,null,"Net Rental Income (monthly)",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,null,null,{"$f":"Data_Income!D1334","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1351","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1368","v":0}]
[]
[null,null,"IRS 1040 Schedule E",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,null,null,"Property #4",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property #5",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Property #6"]
[null,null,"Supplemental Income & Loss",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,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Rents received",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,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Less total expenses",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,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Insurance",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,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Mortgage interest paid to banks, etc.",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,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Taxes",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,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Depreciation and/or depletion",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,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"HOA dues",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,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"One time losses",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,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Subtotal annual rental income",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,null,null,{"$f":"Data_Income!C1381","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1381","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1398","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1398","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1415","v":0},null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1415","v":0}]
[null,null,"Number of months the property was in service"]
[null,null,"was in service"]
[null,null,"Net Rental Income (monthly)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1385","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1402","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1419","v":0}]
[]
[null,null,"Reference notes for calculations above"]
[null,null,"The following expenses, if added back, must be included in the monthly housing expense being used to establish DTI ratio:"]
[null,null,"Hazard Insurance, Mortgage Interest paid to banks, Property Taxes, and HOA Dues"]
[null,null,"Taxes:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"The taxes added back must represent only real estate taxes included in the monthly housing expense."]
[null,null,"HOA dues",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"This expense must be specifically identified on Schedule E."]
[null,null,"One time losses:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"There must be documented evidence of the one time loss (e.g. casualty loss)."]
[null,null,"Refer to Section 5306.1(c)(iii) for net rental income calculation requirements."]
[null,null,"Refer to Chapter 5304 and Form 91 for the treatment of all rental real estaste income or loss reported on IRS Form 8825, "]
[null,null,"regardless of Borrower's percentage of ownership interest in the business or whether the Borrower is personally obligated"]
[null,null,"on the note."]
[]
[null,null,"DTI Ratio Calculation for Multiple Non-Subject Investment Properties (Section 5306.1(d))"]
[null,null,"Property\n#",null,null,null,null,null,null,null,null,null,null,null,"Property Address",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Monthly Net Rental Income",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Less Monthly Payment Amount",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Result"]
[null,null,"Property #1",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,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,{"$f":"Data_Income!D1334","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1336","v":0}]
[null,null,"Property #2",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,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,{"$f":"Data_Income!D1351","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1353","v":0}]
[null,null,"Property #3",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,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,{"$f":"Data_Income!D1368","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1370","v":0}]
[null,null,"Property #4",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,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,{"$f":"Data_Income!D1385","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1387","v":0}]
[null,null,"Property #5",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,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,{"$f":"Data_Income!D1402","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1404","v":0}]
[null,null,"Property #6",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,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,{"$f":"Data_Income!D1419","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1421","v":0}]
[null,null,"Combined Result (if the combined result is positive, add it to the income; if the combined result is negative add it to the monthly liabilities.)",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,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,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,null,null,null,{"$f":"Data_Income!D1423","v":0}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Rental - 1039","index":40,"n_rows":44,"n_cols":9,"rows_kept":44,"cut":false,"hidden":true,"merged":[[41,1,41,2],[41,4,41,6],[41,7,42,8],[42,1,42,2],[42,4,42,6],[38,1,38,4],[38,5,38,8],[39,1,39,8],[40,1,40,2],[40,4,40,6],[40,7,40,8],[37,1,37,4],[37,5,37,8],[28,1,29,8],[30,1,31,1],[30,2,31,3],[30,4,31,4],[30,5,31,5],[30,6,31,6],[30,7,31,7],[30,8,31,8],[32,2,32,3],[33,2,33,3],[34,2,34,3],[35,1,35,3],[36,1,36,8],[25,4,26,4],[25,5,26,5],[25,6,26,6],[25,7,26,7],[25,8,26,8],[27,1,27,3],[20,2,20,3],[21,2,21,3],[22,2,22,3],[23,2,23,3],[24,2,24,3],[25,1,26,1],[25,2,26,3],[18,8,19,8],[12,1,12,8],[13,2,13,3],[14,2,14,3],[15,2,15,3],[16,2,16,3],[17,2,17,3],[18,1,19,1],[18,4,19,4],[18,5,19,5],[18,6,19,6],[18,7,19,7],[11,1,11,8],[1,1,1,8],[2,1,2,8],[3,4,5,4],[4,5,5,5],[4,6,5,6],[4,7,5,7],[4,8,5,8],[6,1,7,3],[6,4,7,4],[8,1,8,8],[9,1,9,8],[10,1,10,3]]}
[]
[null,"Rental Income Worksheet"]
[null,"Business Rental Income from Investment Property(s):   Qualifying Impact of Mortgaged Investment Property PITIA Expense"]
[null,"Documentation Required:  ",null,null,"Enter","Property Address","Property Address"," Property Address","Property Address"]
[null,"§   IRS Form 8825 (filed with either IRS Form 1065 or 1120S)  OR  "]
[null,"§  Lease Agreement "]
[null," Enter the mortgagee and the mortgage loan account number.",null,null,"Enter","Mortgagee/#","Mortgagee/#","Mortgagee/#","Mortgagee/#"]
[]
[null,"Step 1.   When using IRS Form 8825, determine the number of months the property was in service by dividing the Fair Rental Days by 30."]
[null,"If Fair Rental Days are not reported, the property is considered to be in service for 12 months unless there is evidence of a shorter term of service."]
[null,"Step 1.  Result: Enter The number of months the property was in service:",null,null,"Result"]
[null,"Step 2.  Calculate monthly property cash flow using Step 2A:  IRS Form 8825 OR Step 2B:  Lease Agreement. "]
[null,"Step 2A.    IRS Form 8825 (IRS Form 1065 or 1120S)                              For each property complete ONLY 2A or 2B"]
[null,"A1","Enter gross rents received.",null,"Enter"]
[null,"A2","Enter total expenses.",null,"Subtract"]
[null,"A3","Enter insurance expense.",null,"Add"]
[null,"A4","Enter mortgage interest paid. ",null,"Add"]
[null,"A5","Enter tax expense.",null,"Add"]
[null,"A6","Enter homeowners’ association dues. ",null,"Add"]
[null,null,"This expense must be specifically identified on Form 8825 in order to add It back. "]
[null,"A7","Enter depreciation expense or depletion. ",null,"Add"]
[null,"A8","Enter any one-time extraordinary expense (e.g., casualty loss). There must be evidence of the nature of the one-time extraordinary expense.",null,"Add"]
[null,null,"Equals adjusted rental income. ",null,"Total",{"$f":"SUM(F14,F16:F22)-F15","v":0},{"$f":"SUM(G14,G16:G22)-G15","v":0},{"$f":"SUM(H14,H16:H22)-H15","v":0},{"$f":"SUM(I14,I16:I22)-I15","v":0}]
[null,"A9","The number of months the property was in service (Step 1 Result). ",null,"Divide",{"$f":"F11","v":0},{"$f":"G11","v":0},{"$f":"H11","v":0},{"$f":"I11","v":0}]
[null,null,"Equals adjusted monthly rental income",null,"Total",{"$f":"IF(F24=0,0,F23/F24)","v":0},{"$f":"IF(G24=0,0,G23/G24)","v":0},{"$f":"IF(H24=0,0,H23/H24)","v":0},{"$f":"IF(I24=0,0,I23/I24)","v":0}]
[null,"A10","Enter proposed PITIA (for subject property) or existing PITIA (for non-subject property).",null,"Subtract"]
[]
[null,"Step 2A.  Result:  Monthly property cash flow:",null,null,"Result",{"$f":"F25-F26","v":0},{"$f":"G25-G26","v":0},{"$f":"H25-H26","v":0},{"$f":"I25-I26","v":0}]
[null,"Step 2B.  Lease Agreement                         For each property complete ONLY 2A or 2B                                                                                                                                                                                                                                               This method is used in certain circumstances (e.g., when the property was acquired subsequent to the most recent tax filing or\nthe lender has justification for using a lease agreement).\n"]
[]
[null,"B1","Enter the gross monthly rent (from the lease agreement)                          For multi-unit properties, combine the monthly qualifying income of all rental units.",null,"Enter"]
[]
[null,"B2","The remaining 25% accounts for vacancy loss, maintenance, and management expenses.      ",null,"Multiply","x.75","x.75","x.75","x.75"]
[null,null,"Equals adjusted monthly rents.",null,"Total",{"$f":"F31*0.75","v":0},{"$f":"G31*0.75","v":0},{"$f":"H31*0.75","v":0},{"$f":"I31*0.75","v":0}]
[null,"B3","Enter proposed PITIA (for subject property) or existing PITIA (for non-subject property).",null,"Subtract "]
[null,"Step 2B.  Result:  Monthly property cash flow:",null,null,"Result",{"$f":"F34-F35","v":0},{"$f":"G34-G35","v":0},{"$f":"H34-H35","v":0},{"$f":"I34-I35","v":0}]
[null,"Step 3.   Determine qualifying impact of the mortgaged investment property PITIA expense."]
[null,"If the result of Step 2A or 2B is negative, include this loss, not to exceed the monthly PITIA expense, in the debt-to-income ratio.",null,null,null,{"$f":"IF(SUM(F28:I28,F36:I36)<0,SUM(F28:I28,F36:I36),\"\")","v":""}]
[null,"If the result of Step 2A or 2B is positive, the full amount of the PITIA expense has been offset.  Do not include it in the debt-to-income ratio..",null,null,null,{"$f":"IF(SUM(F28:I28,F36:I36)>0,\"$0.00\",\"\")","v":""}]
[null,"Important:  This worksheet provides a means of calculating an offset to the monthly PITIA.  To add any net income to the borrower’s qualifying income, additional requirements apply (e.g., two-year history vs. one-year history). Refer to the Self-Employment Income topic in the Selling Guide."]
[null,"DU Data Entry",null,"Monthly Income and Combined Housing Expenses","Mortgage Liabilities",null,null,"Real Estate Owned"]
[null,"Subject Property ",null,"Enter the amount of the negative monthly property cash flow in \"Subject Net Cash.\"  If the monthly property cash flow is positive enter $0.00","For refinance transactions, identify the mortgage as a subject property lien.",null,null,"If REO Schedule is completed, confirm that the \"Net Rental Income” field reflects either\n   the amount of the property              cash flow if it is negative, or \n   $0.00 if the monthly property cash flow is positive.   \n"]
[null,"Non-Subject Property",null,"Enter the amount of the negative monthly property cash flow in “Net Rental.” If the monthly property cash flow is positive, enter $0.00","Identify the mortgage as a rental property lien."]
[null,"Refer to the Rental Income topic in the Selling Guide for additional guidance."]

{"sheet":"Rental - 1038A","index":41,"n_rows":42,"n_cols":15,"rows_kept":42,"cut":false,"hidden":true,"merged":[[39,1,39,2],[39,3,39,4],[39,5,39,14],[40,1,40,2],[40,3,40,4],[40,5,40,14],[35,1,35,14],[36,1,36,4],[36,5,36,14],[37,1,37,4],[37,5,37,14],[38,1,38,2],[38,3,38,4],[38,5,38,14],[28,14,30,14],[30,2,30,3],[31,2,31,3],[32,2,32,3],[33,2,33,3],[34,1,34,3],[28,8,30,8],[28,9,30,9],[28,10,30,10],[28,11,30,11],[28,12,30,12],[28,13,30,13],[28,1,30,1],[23,13,24,13],[23,14,24,14],[25,1,25,3],[26,1,26,14],[27,1,27,14],[23,8,24,8],[23,9,24,9],[23,10,24,10],[23,11,24,11],[23,12,24,12],[28,4,30,4],[28,5,30,5],[28,6,30,6],[28,7,30,7],[23,7,24,7],[23,6,24,6],[21,2,21,3],[22,2,22,3],[23,1,24,1],[23,4,24,4],[23,5,24,5],[16,13,17,13],[16,14,17,14],[17,2,17,3],[18,2,18,3],[19,2,19,3],[16,11,17,11],[16,12,17,12],[20,2,20,3],[16,7,17,7],[16,8,17,8],[16,9,17,9],[16,10,17,10],[16,6,17,6],[14,2,14,3],[15,2,15,3],[16,1,17,1],[16,4,17,4],[16,5,17,5],[13,2,13,3],[3,11,4,11],[3,12,4,12],[3,13,4,13],[3,14,4,14],[6,1,6,14],[7,1,7,14],[8,1,8,3],[9,1,9,14],[10,1,10,14],[11,2,11,3],[12,2,12,3],[1,1,1,14],[2,1,2,14],[3,1,3,3],[3,4,5,4],[3,5,4,5],[3,6,4,6],[3,7,4,7],[3,8,4,8],[3,9,4,9],[3,10,4,10]]}
[]
[null,"Rental Income Worksheet"]
[null,"Individual Rental Income from Investment Property(s): Monthly Qualifying Rental Income (or Loss)"]
[null,"Documentation Required:  ",null,null,"Enter","Investment Property Address","Investment Property Address","Investment Property Address","Investment Property Address","Investment Property Address","Investment Property Address","Investment Property Address","Investment Property Address","Investment Property Address","Investment Property Address"]
[null,"§  Schedule E (IRS Form 1040) OR  "]
[null,"§  Lease Agreement or Fannie Mae Form 1007 or Form 1025"]
[null,"Step 1.  When using Schedule E, determine the number of months the property was in service by dividing the Fair Rental Days by 30.  "]
[null,"If Fair Rental Days are not reported, the property is considered to be in service for 12 months unless there is evidence of a shorter term of service."]
[null,"Step 1.  Result:  Enter the number of months the property was in service:",null,null,"Result"]
[null,"Step 2.  Calculate monthly qualifying rental income (loss) using Step 2A:  Schedule E OR Step 2B:  Lease Agreement or Fannie Mae Form 1007 or Form 1025."]
[null,"Step 2A.   Schedule E - Part I                 For each property complete ONLY 2A or 2B"]
[null,"A1","Enter total rents received. ",null,"Enter"]
[null,"A2","Enter total expenses.",null,"Subtract"]
[null,"A3","Enter insurance expense.",null,"Add"]
[null,"A4","Enter mortgage interest paid. ",null,"Add"]
[null,"A5","Enter tax expense.",null,"Add"]
[null,"A6","Enter homeowners’ association dues. ",null,"Add"]
[null,null,"This expense must be specifically identified on Schedule E in order to add it back. "]
[null,"A7","Enter depreciation expense or depletion. ",null,"Add"]
[null,"A8","Enter any one-time extraordinary expense (e.g., casualty loss). There must be evidence of the nature of the one-time extraordinary expense.",null,"Add"]
[null,null,"Equals adjusted rental income. ",null,"Total",{"$f":"SUM(F12,F14:F20)-F13","v":0},{"$f":"SUM(G12,G14:G20)-G13","v":0},0,0,0,0,0,0,0,0]
[null,"A9","Enter the number of months the property was in service (Step 1 Result). ",null,"Divide",{"$f":"F9","v":0},0,0,0,0,0,0,0,0,0]
[null,null,"Equals adjusted monthly rental income",null,"Total",{"$f":"IF(F22=0,0,F21/F22)","v":0},0,0,0,0,0,0,0,0,0]
[null,"A10","Enter proposed PITIA (for subject property) or ",null,"Subtract"]
[null,null,"existing PITIA (for non-subject property)."]
[null,"Step 2A.  Result:  Monthly qualifying rental income (or loss):",null,null,"Result",{"$f":"F23-F24","v":0},0,0,0,0,0,0,0,0,0]
[null,"Step 2B.  Lease Agreement OR Fannie Mae Form 1007 or Form 1025  For each property complete ONLY 2A or 2B"]
[null,"This method is used when the transaction is a purchase, the property was acquired subsequent to the most recent tax filing, or the lender has justification for using a lease agreement."]
[null,"B1","Enter the gross monthly rent (from the lease agreement) or ",null,"Enter"]
[null,null,"market rent (reported on Form 1007 or Form 1025). "]
[null,null," For multi-unit properties, combine gross rent from all rental units.         "]
[null,"B2","The remaining 25% accounts for vacancy loss, maintenance, and management expenses.      ",null,"Multiply","x.75","x.75","x.75","x.75","x.75","x.75","x.75","x.75","x.75","x.75"]
[null,null,"Equals adjusted monthly rental income.",null,"Total",{"$f":"F29*0.75","v":0},{"$f":"G29*0.75","v":0},0,0,0,0,0,0,0,0]
[null,"B3","Enter proposed PITIA (for subject property) or existing PITIA (for non-subject property).",null,"Subtract "]
[null,"Step 2B.  Result:  Monthly qualifying rental income (loss):",null,null,"Result",{"$f":"F33-F34","v":0},0,0,0,0,0,0,0,0,0]
[null,"Step 3.   Determine the qualifying impact using the result of Step 2A or Step 2B.     "]
[null,"If the result of Step 2A or 2B is positive, add the positive amount to the borrower’s monthly qualifying income. Because the PITIA expense was included in the calculations above, do not add it to the debt-to-income (DTI) ratio.",null,null,null,{"$f":"IF(SUM(F26:O26,F35:O35)>0,SUM(F26:O26,F35:O35),\"\")","v":""}]
[null,"If the result of Step 2A or 2B is negative, include the amount of the loss in the borrower’s monthly expenses when calculating the DTI ratio.",null,null,null,{"$f":"IF(SUM(F26:O26,F35:O35)<0,SUM(F26:O26,F35:O35),\"\")","v":""}]
[null,"DU Data Entry",null,"Monthly Income and Combined Housing Expenses",null,"Mortgage Liabilities"]
[null,"Subject Property ",null,"Enter the amount of the monthly qualifying income (positive result) or monthly qualifying loss (negative result) in “Subject Net Cash.” ",null,"For refinance transactions, identify the mortgage as a subject property lien."]
[null,"Non-Subject Property",null,"Enter the amount of the monthly qualifying income (positive result) or monthly qualifying loss (negative result) in “Net Rental.”  ",null,"Identify the mortgage as a rental property lien."]
[null,"Refer to the Rental Income topic in the Selling Guide for additional guidance."]

{"sheet":"Schedule E - Partnerships 1&2","index":42,"n_rows":63,"n_cols":91,"rows_kept":63,"cut":false,"hidden":true,"merged":[[51,2,51,55],[51,56,51,58],[51,59,51,64],[51,65,51,67],[51,68,51,74],[51,75,51,104],[44,2,44,61],[44,62,44,74],[40,2,40,74],[40,75,40,89],[40,90,40,104],[41,2,41,61],[41,62,41,74],[43,75,43,89],[43,90,43,104],[42,2,42,61],[42,62,42,74],[42,75,42,89],[42,90,42,104],[44,75,44,89],[44,90,44,104],[41,75,41,89],[41,90,41,104],[50,75,50,89],[55,2,55,104],[56,2,56,104],[54,2,54,104],[32,2,32,104],[57,2,57,104],[58,1,58,105],[34,2,34,27],[34,28,34,104],[35,2,35,74],[35,75,35,89],[35,90,35,104],[36,2,36,61],[36,62,36,74],[36,75,36,89],[36,90,36,104],[37,2,37,61],[37,62,37,74],[37,75,37,89],[43,2,43,61],[43,62,43,74],[52,2,52,74],[52,75,52,104],[53,2,53,74],[53,75,53,104],[50,90,50,104],[46,75,46,89],[46,90,46,104],[47,75,47,89],[47,90,47,104],[48,2,48,74],[50,2,50,74],[45,2,45,61],[45,62,45,74],[46,2,46,61],[46,62,46,74],[47,2,47,74],[45,75,45,89],[45,90,45,104],[48,75,48,89],[48,90,48,104],[49,2,49,74],[49,75,49,89],[49,90,49,104],[39,2,39,74],[33,2,33,104],[25,2,25,74],[25,75,25,89],[25,90,25,104],[29,2,29,104],[30,2,30,104],[31,2,31,104],[26,75,26,104],[26,59,26,64],[26,56,26,58],[26,65,26,67],[26,2,26,55],[26,68,26,74],[27,2,27,74],[27,75,27,104],[28,2,28,74],[28,75,28,104],[20,62,20,74],[21,2,21,61],[21,62,21,74],[22,2,22,74],[22,75,22,89],[22,90,22,104],[38,75,38,89],[38,90,38,104],[39,75,39,89],[39,90,39,104],[24,2,24,74],[24,75,24,89],[24,90,24,104],[23,2,23,74],[23,75,23,89],[23,90,23,104],[20,75,20,89],[20,90,20,104],[21,75,21,89],[21,90,21,104],[20,2,20,61],[37,90,37,104],[38,2,38,61],[38,62,38,74],[19,75,19,89],[19,90,19,104],[16,75,16,89],[16,90,16,104],[18,75,18,89],[18,90,18,104],[17,75,17,89],[17,90,17,104],[18,2,18,61],[18,62,18,74],[19,2,19,61],[19,62,19,74],[17,2,17,61],[17,62,17,74],[16,2,16,61],[16,62,16,74],[0,2,0,104],[10,2,10,74],[8,2,8,104],[10,75,10,89],[10,90,10,104],[1,1,1,105],[2,1,2,105],[3,1,3,105],[4,1,4,105],[5,2,5,104],[6,2,6,13],[6,14,6,64],[6,65,6,77],[6,78,6,104],[7,2,7,104],[59,1,59,105],[60,1,60,105],[61,1,61,105],[62,1,62,105],[15,75,15,89],[15,90,15,104],[9,2,9,27],[9,28,9,104],[11,75,11,89],[12,75,12,89],[13,75,13,89],[11,90,11,104],[12,90,12,104],[13,90,13,104],[14,75,14,89],[14,90,14,104],[11,2,11,61],[11,62,11,74],[12,2,12,61],[12,62,12,74],[13,2,13,61],[13,62,13,74],[15,2,15,74],[14,2,14,74]]}
[]
[]
[null,"Schedule E ─ Supplemental Income and Loss from Partnerships"]
[null,"(calculation process and format extracted from FNMA Form 1084)"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[]
[]
[null,null,"PARTNERSHIP #1:"]
[null,null," Schedule K-1 (Form 1065)",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2015,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2016]
[null,null,"Ordinary Business Income (Loss):",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,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,null,null,null,"[ 1 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Net Rental Real Estate Income (Loss):",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,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,null,null,null,"[ 2 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other Net Rental Income (Loss):",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,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,null,null,null,"[ 3 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"CONCATENATE(\" Subtotal Schedule K-1: \",AC10)","v":" Subtotal Schedule K-1: "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1431","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1431","v":0}]
[null,null," Form 1065 – U.S. Return of Partnership Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2015,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2016]
[null,null,"Ordinary (Income) Loss from Other Partnerships …",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,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,null,null,null,"[ 4 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other (Income) Loss (include only nonrecurring amount):",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,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,null,null,null,"[ 7 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Depreciation  -and-  Depletion:",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,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,null,null,null,"[ 16c & 17 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Amortization -and- Casualty Loss:",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,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,null,null,null,"[ 20 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Mortgages or Notes Payable in Less than 1 Year:",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,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,null,null,null,"[ Sch. L, 16 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Meals and Entertainment Exclusion:",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,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,null,null,null,"[ M-1, 4b ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Subtotal:",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1440","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1440","v":0}]
[null,null," Times individual percentage of ownership:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,{"$f":"CONCATENATE(\" Subtotal Form 1065: \",AC10)","v":" Subtotal Form 1065: "},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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1442","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1442","v":0}]
[null,null,{"$f":"IF(AC10=\"\",\" Total for Partnership #1\",CONCATENATE(\" Total for \",AC10))","v":" Total for Partnership #1"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1443","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1443","v":0}]
[null,null," Grand Total Income ‒ years to include in calculations:  ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BX11=\"Select Year\",\"N/A\",BX11)","v":2015},null,null,null,null,null,null,null,null,{"$f":"IF(CM11=\"Select Year\",\"N/A\",CM11)","v":2016},null,null,null,null,null,null,{"$f":"Data_Income!C1446","v":0}]
[null,null," Number of Months included in Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1448","v":12}]
[null,null," Calculated Average Monthly Partnership #1 Income or Loss",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1449","v":0}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,null,"PARTNERSHIP #2:"]
[null,null," Schedule K-1 (Form 1065)",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Ordinary Business Income (Loss):",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,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,null,null,null,"[ 1 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Net Rental Real Estate Income (Loss):",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,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,null,null,null,"[ 2 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other Net Rental Income (Loss):",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,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,null,null,null,"[ 3 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"CONCATENATE(\" Subtotal Schedule K-1: \",AC35)","v":" Subtotal Schedule K-1: "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1457","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1457","v":0}]
[null,null," Form 1065 – U.S. Return of Partnership Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Ordinary (Income) Loss from Other Partnerships …",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,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,null,null,null,"[ 4 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other (Income) Loss (include only nonrecurring amount):",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,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,null,null,null,"[ 7 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Depreciation  -and-  Depletion:",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,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,null,null,null,"[ 16c & 17 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Amortization -and- Casualty Loss:",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,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,null,null,null,"[ 20 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Mortgages or Notes Payable in Less than 1 Year:",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,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,null,null,null,"[ Sch. L, 16 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Meals and Entertainment Exclusion:",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,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,null,null,null,"[ M-1, 4b ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Subtotal:",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1466","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1466","v":0}]
[null,null," Times individual percentage of ownership:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,{"$f":"CONCATENATE(\" Subtotal Form 1065: \",AC35)","v":" Subtotal Form 1065: "},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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1468","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1468","v":0}]
[null,null,{"$f":"IF(AC35=\"\",\" Total for Partnership #2\",CONCATENATE(\" Total for \",AC35))","v":" Total for Partnership #2"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1469","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1469","v":0}]
[null,null," Grand Total Income ‒ years to include in calculations:  ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BX36=\"Select Year\",\"N/A\",BX36)","v":"N/A"},null,null,null,null,null,null,null,null,{"$f":"IF(CM36=\"Select Year\",\"N/A\",CM36)","v":"N/A"},null,null,null,null,null,null,{"$f":"Data_Income!C1472","v":0}]
[null,null," Number of Months included in Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1474","v":0}]
[null,null," Calculated Average Monthly Partnership #2 Income or Loss",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1475","v":0}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Schedule E Partnerships 1&2 (2)","index":43,"n_rows":63,"n_cols":91,"rows_kept":63,"cut":false,"hidden":true,"merged":[[62,1,62,105],[56,2,56,104],[57,2,57,104],[58,1,58,105],[59,1,59,105],[60,1,60,105],[61,1,61,105],[52,2,52,74],[52,75,52,104],[53,2,53,74],[53,75,53,104],[54,2,54,104],[55,2,55,104],[50,2,50,74],[50,75,50,89],[50,90,50,104],[51,2,51,55],[51,56,51,58],[51,59,51,64],[51,65,51,67],[51,68,51,74],[51,75,51,104],[48,2,48,74],[48,75,48,89],[48,90,48,104],[49,2,49,74],[49,75,49,89],[49,90,49,104],[46,2,46,61],[46,62,46,74],[46,75,46,89],[46,90,46,104],[47,2,47,74],[47,75,47,89],[47,90,47,104],[44,2,44,61],[44,62,44,74],[44,75,44,89],[44,90,44,104],[45,2,45,61],[45,62,45,74],[45,75,45,89],[45,90,45,104],[42,2,42,61],[42,62,42,74],[42,75,42,89],[42,90,42,104],[43,2,43,61],[43,62,43,74],[43,75,43,89],[43,90,43,104],[40,2,40,74],[40,75,40,89],[40,90,40,104],[41,2,41,61],[41,62,41,74],[41,75,41,89],[41,90,41,104],[38,2,38,61],[38,62,38,74],[38,75,38,89],[38,90,38,104],[39,2,39,74],[39,75,39,89],[39,90,39,104],[36,2,36,61],[36,62,36,74],[36,75,36,89],[36,90,36,104],[37,2,37,61],[37,62,37,74],[37,75,37,89],[37,90,37,104],[31,2,31,104],[32,2,32,104],[33,2,33,104],[34,2,34,27],[34,28,34,104],[35,2,35,74],[35,75,35,89],[35,90,35,104],[27,2,27,74],[27,75,27,104],[28,2,28,74],[28,75,28,104],[29,2,29,104],[30,2,30,104],[26,2,26,55],[26,56,26,58],[26,59,26,64],[26,65,26,67],[26,68,26,74],[26,75,26,104],[24,2,24,74],[24,75,24,89],[24,90,24,104],[25,2,25,74],[25,75,25,89],[25,90,25,104],[22,2,22,74],[22,75,22,89],[22,90,22,104],[23,2,23,74],[23,75,23,89],[23,90,23,104],[20,2,20,61],[20,62,20,74],[20,75,20,89],[20,90,20,104],[21,2,21,61],[21,62,21,74],[21,75,21,89],[21,90,21,104],[18,2,18,61],[18,62,18,74],[18,75,18,89],[18,90,18,104],[19,2,19,61],[19,62,19,74],[19,75,19,89],[19,90,19,104],[16,2,16,61],[16,62,16,74],[16,75,16,89],[16,90,16,104],[17,2,17,61],[17,62,17,74],[17,75,17,89],[17,90,17,104],[14,2,14,74],[14,75,14,89],[14,90,14,104],[15,2,15,74],[15,75,15,89],[15,90,15,104],[12,2,12,61],[12,62,12,74],[12,75,12,89],[12,90,12,104],[13,2,13,61],[13,62,13,74],[13,75,13,89],[13,90,13,104],[9,2,9,27],[9,28,9,104],[10,2,10,74],[10,75,10,89],[10,90,10,104],[11,2,11,61],[11,62,11,74],[11,75,11,89],[11,90,11,104],[6,2,6,13],[6,14,6,64],[6,65,6,77],[6,78,6,104],[7,2,7,104],[8,2,8,104],[0,2,0,104],[1,1,1,105],[2,1,2,105],[3,1,3,105],[4,1,4,105],[5,2,5,104]]}
[]
[]
[null,"Schedule E ─ Supplemental Income and Loss from Partnerships"]
[null,"(calculation process and format extracted from FNMA Form 1084)"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[]
[]
[null,null,"PARTNERSHIP #1:"]
[null,null," Schedule K-1 (Form 1065)",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2015,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2016]
[null,null,"Ordinary Business Income (Loss):",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,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,null,null,null,"[ 1 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Net Rental Real Estate Income (Loss):",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,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,null,null,null,"[ 2 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other Net Rental Income (Loss):",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,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,null,null,null,"[ 3 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"CONCATENATE(\" Subtotal Schedule K-1: \",AC10)","v":" Subtotal Schedule K-1: "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1431","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I1431","v":0}]
[null,null," Form 1065 – U.S. Return of Partnership Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2015,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2016]
[null,null,"Ordinary (Income) Loss from Other Partnerships …",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,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,null,null,null,"[ 4 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other (Income) Loss (include only nonrecurring amount):",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,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,null,null,null,"[ 7 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Depreciation  -and-  Depletion:",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,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,null,null,null,"[ 16c & 17 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Amortization -and- Casualty Loss:",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,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,null,null,null,"[ 20 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Mortgages or Notes Payable in Less than 1 Year:",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,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,null,null,null,"[ Sch. L, 16 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Meals and Entertainment Exclusion:",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,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,null,null,null,"[ M-1, 4b ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Subtotal:",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1440","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I1440","v":0}]
[null,null," Times individual percentage of ownership:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,{"$f":"CONCATENATE(\" Subtotal Form 1065: \",AC10)","v":" Subtotal Form 1065: "},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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1442","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I1442","v":0}]
[null,null,{"$f":"IF(AC10=\"\",\" Total for Partnership #1\",CONCATENATE(\" Total for \",AC10))","v":" Total for Partnership #1"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1443","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I1443","v":0}]
[null,null," Grand Total Income ‒ years to include in calculations:  ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BX11=\"Select Year\",\"N/A\",BX11)","v":2015},null,null,null,null,null,null,null,null,{"$f":"IF(CM11=\"Select Year\",\"N/A\",CM11)","v":2016},null,null,null,null,null,null,{"$f":"Data_Income!H1446","v":0}]
[null,null," Number of Months included in Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1448","v":0}]
[null,null," Calculated Average Monthly Partnership #1 Income or Loss",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1449","v":0}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,null,"PARTNERSHIP #2:"]
[null,null," Schedule K-1 (Form 1065)",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Ordinary Business Income (Loss):",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,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,null,null,null,"[ 1 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Net Rental Real Estate Income (Loss):",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,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,null,null,null,"[ 2 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other Net Rental Income (Loss):",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,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,null,null,null,"[ 3 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"CONCATENATE(\" Subtotal Schedule K-1: \",AC35)","v":" Subtotal Schedule K-1: "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1457","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I1457","v":0}]
[null,null," Form 1065 – U.S. Return of Partnership Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Ordinary (Income) Loss from Other Partnerships …",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,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,null,null,null,"[ 4 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other (Income) Loss (include only nonrecurring amount):",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,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,null,null,null,"[ 7 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Depreciation  -and-  Depletion:",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,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,null,null,null,"[ 16c & 17 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Amortization -and- Casualty Loss:",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,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,null,null,null,"[ 20 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Mortgages or Notes Payable in Less than 1 Year:",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,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,null,null,null,"[ Sch. L, 16 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Meals and Entertainment Exclusion:",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,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,null,null,null,"[ M-1, 4b ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Subtotal:",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1466","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1466","v":0}]
[null,null," Times individual percentage of ownership:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,{"$f":"CONCATENATE(\" Subtotal Form 1065: \",AC35)","v":" Subtotal Form 1065: "},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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1468","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I1468","v":0}]
[null,null,{"$f":"IF(AC35=\"\",\" Total for Partnership #2\",CONCATENATE(\" Total for \",AC35))","v":" Total for Partnership #2"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1469","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I1469","v":0}]
[null,null," Grand Total Income ‒ years to include in calculations:  ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BX36=\"Select Year\",\"N/A\",BX36)","v":"N/A"},null,null,null,null,null,null,null,null,{"$f":"IF(CM36=\"Select Year\",\"N/A\",CM36)","v":"N/A"},null,null,null,null,null,null,{"$f":"Data_Income!H1472","v":0}]
[null,null," Number of Months included in Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1474","v":0}]
[null,null," Calculated Average Monthly Partnership #2 Income or Loss",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1475","v":0}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Schedule E Partnerships 1&2 (3)","index":44,"n_rows":63,"n_cols":91,"rows_kept":63,"cut":false,"hidden":true,"merged":[[62,1,62,105],[56,2,56,104],[57,2,57,104],[58,1,58,105],[59,1,59,105],[60,1,60,105],[61,1,61,105],[52,2,52,74],[52,75,52,104],[53,2,53,74],[53,75,53,104],[54,2,54,104],[55,2,55,104],[50,2,50,74],[50,75,50,89],[50,90,50,104],[51,2,51,55],[51,56,51,58],[51,59,51,64],[51,65,51,67],[51,68,51,74],[51,75,51,104],[48,2,48,74],[48,75,48,89],[48,90,48,104],[49,2,49,74],[49,75,49,89],[49,90,49,104],[46,2,46,61],[46,62,46,74],[46,75,46,89],[46,90,46,104],[47,2,47,74],[47,75,47,89],[47,90,47,104],[44,2,44,61],[44,62,44,74],[44,75,44,89],[44,90,44,104],[45,2,45,61],[45,62,45,74],[45,75,45,89],[45,90,45,104],[42,2,42,61],[42,62,42,74],[42,75,42,89],[42,90,42,104],[43,2,43,61],[43,62,43,74],[43,75,43,89],[43,90,43,104],[40,2,40,74],[40,75,40,89],[40,90,40,104],[41,2,41,61],[41,62,41,74],[41,75,41,89],[41,90,41,104],[38,2,38,61],[38,62,38,74],[38,75,38,89],[38,90,38,104],[39,2,39,74],[39,75,39,89],[39,90,39,104],[36,2,36,61],[36,62,36,74],[36,75,36,89],[36,90,36,104],[37,2,37,61],[37,62,37,74],[37,75,37,89],[37,90,37,104],[31,2,31,104],[32,2,32,104],[33,2,33,104],[34,2,34,27],[34,28,34,104],[35,2,35,74],[35,75,35,89],[35,90,35,104],[27,2,27,74],[27,75,27,104],[28,2,28,74],[28,75,28,104],[29,2,29,104],[30,2,30,104],[26,2,26,55],[26,56,26,58],[26,59,26,64],[26,65,26,67],[26,68,26,74],[26,75,26,104],[24,2,24,74],[24,75,24,89],[24,90,24,104],[25,2,25,74],[25,75,25,89],[25,90,25,104],[22,2,22,74],[22,75,22,89],[22,90,22,104],[23,2,23,74],[23,75,23,89],[23,90,23,104],[20,2,20,61],[20,62,20,74],[20,75,20,89],[20,90,20,104],[21,2,21,61],[21,62,21,74],[21,75,21,89],[21,90,21,104],[18,2,18,61],[18,62,18,74],[18,75,18,89],[18,90,18,104],[19,2,19,61],[19,62,19,74],[19,75,19,89],[19,90,19,104],[16,2,16,61],[16,62,16,74],[16,75,16,89],[16,90,16,104],[17,2,17,61],[17,62,17,74],[17,75,17,89],[17,90,17,104],[14,2,14,74],[14,75,14,89],[14,90,14,104],[15,2,15,74],[15,75,15,89],[15,90,15,104],[12,2,12,61],[12,62,12,74],[12,75,12,89],[12,90,12,104],[13,2,13,61],[13,62,13,74],[13,75,13,89],[13,90,13,104],[9,2,9,27],[9,28,9,104],[10,2,10,74],[10,75,10,89],[10,90,10,104],[11,2,11,61],[11,62,11,74],[11,75,11,89],[11,90,11,104],[6,2,6,13],[6,14,6,64],[6,65,6,77],[6,78,6,104],[7,2,7,104],[8,2,8,104],[0,2,0,104],[1,1,1,105],[2,1,2,105],[3,1,3,105],[4,1,4,105],[5,2,5,104]]}
[]
[]
[null,"Schedule E ─ Supplemental Income and Loss from Partnerships"]
[null,"(calculation process and format extracted from FNMA Form 1084)"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[]
[]
[null,null,"PARTNERSHIP #1:"]
[null,null," Schedule K-1 (Form 1065)",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2015,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2016]
[null,null,"Ordinary Business Income (Loss):",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,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,null,null,null,"[ 1 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Net Rental Real Estate Income (Loss):",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,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,null,null,null,"[ 2 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other Net Rental Income (Loss):",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,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,null,null,null,"[ 3 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"CONCATENATE(\" Subtotal Schedule K-1: \",AC10)","v":" Subtotal Schedule K-1: "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1431","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!N1431","v":0}]
[null,null," Form 1065 – U.S. Return of Partnership Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2015,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2016]
[null,null,"Ordinary (Income) Loss from Other Partnerships …",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,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,null,null,null,"[ 4 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other (Income) Loss (include only nonrecurring amount):",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,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,null,null,null,"[ 7 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Depreciation  -and-  Depletion:",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,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,null,null,null,"[ 16c & 17 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Amortization -and- Casualty Loss:",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,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,null,null,null,"[ 20 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Mortgages or Notes Payable in Less than 1 Year:",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,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,null,null,null,"[ Sch. L, 16 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Meals and Entertainment Exclusion:",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,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,null,null,null,"[ M-1, 4b ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Subtotal:",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1440","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!N1440","v":0}]
[null,null," Times individual percentage of ownership:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,{"$f":"CONCATENATE(\" Subtotal Form 1065: \",AC10)","v":" Subtotal Form 1065: "},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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1442","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!N1442","v":0}]
[null,null,{"$f":"IF(AC10=\"\",\" Total for Partnership #1\",CONCATENATE(\" Total for \",AC10))","v":" Total for Partnership #1"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1443","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!N1443","v":0}]
[null,null," Grand Total Income ‒ years to include in calculations:  ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BX11=\"Select Year\",\"N/A\",BX11)","v":2015},null,null,null,null,null,null,null,null,{"$f":"IF(CM11=\"Select Year\",\"N/A\",CM11)","v":2016},null,null,null,null,null,null,{"$f":"Data_Income!M1446","v":0}]
[null,null," Number of Months included in Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1448","v":0}]
[null,null," Calculated Average Monthly Partnership #1 Income or Loss",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1449","v":0}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,null,"PARTNERSHIP #2:"]
[null,null," Schedule K-1 (Form 1065)",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Ordinary Business Income (Loss):",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,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,null,null,null,"[ 1 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Net Rental Real Estate Income (Loss):",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,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,null,null,null,"[ 2 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other Net Rental Income (Loss):",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,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,null,null,null,"[ 3 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"CONCATENATE(\" Subtotal Schedule K-1: \",AC35)","v":" Subtotal Schedule K-1: "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1457","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!N1457","v":0}]
[null,null," Form 1065 – U.S. Return of Partnership Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Ordinary (Income) Loss from Other Partnerships …",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,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,null,null,null,"[ 4 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other (Income) Loss (include only nonrecurring amount):",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,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,null,null,null,"[ 7 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Depreciation  -and-  Depletion:",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,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,null,null,null,"[ 16c & 17 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Amortization -and- Casualty Loss:",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,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,null,null,null,"[ 20 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Mortgages or Notes Payable in Less than 1 Year:",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,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,null,null,null,"[ Sch. L, 16 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Meals and Entertainment Exclusion:",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,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,null,null,null,"[ M-1, 4b ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Subtotal:",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1466","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!N1466","v":0}]
[null,null," Times individual percentage of ownership:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,{"$f":"CONCATENATE(\" Subtotal Form 1065: \",AC35)","v":" Subtotal Form 1065: "},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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1468","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!N1468","v":0}]
[null,null,{"$f":"IF(AC35=\"\",\" Total for Partnership #2\",CONCATENATE(\" Total for \",AC35))","v":" Total for Partnership #2"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1469","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!N1469","v":0}]
[null,null," Grand Total Income ‒ years to include in calculations:  ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BX36=\"Select Year\",\"N/A\",BX36)","v":"N/A"},null,null,null,null,null,null,null,null,{"$f":"IF(CM36=\"Select Year\",\"N/A\",CM36)","v":"N/A"},null,null,null,null,null,null,{"$f":"Data_Income!M1472","v":0}]
[null,null," Number of Months included in Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1474","v":0}]
[null,null," Calculated Average Monthly Partnership #2 Income or Loss",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1475","v":0}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Schedule E Partnerships 1&2 (4)","index":45,"n_rows":63,"n_cols":91,"rows_kept":63,"cut":false,"hidden":true,"merged":[[62,1,62,105],[56,2,56,104],[57,2,57,104],[58,1,58,105],[59,1,59,105],[60,1,60,105],[61,1,61,105],[52,2,52,74],[52,75,52,104],[53,2,53,74],[53,75,53,104],[54,2,54,104],[55,2,55,104],[50,2,50,74],[50,75,50,89],[50,90,50,104],[51,2,51,55],[51,56,51,58],[51,59,51,64],[51,65,51,67],[51,68,51,74],[51,75,51,104],[48,2,48,74],[48,75,48,89],[48,90,48,104],[49,2,49,74],[49,75,49,89],[49,90,49,104],[46,2,46,61],[46,62,46,74],[46,75,46,89],[46,90,46,104],[47,2,47,74],[47,75,47,89],[47,90,47,104],[44,2,44,61],[44,62,44,74],[44,75,44,89],[44,90,44,104],[45,2,45,61],[45,62,45,74],[45,75,45,89],[45,90,45,104],[42,2,42,61],[42,62,42,74],[42,75,42,89],[42,90,42,104],[43,2,43,61],[43,62,43,74],[43,75,43,89],[43,90,43,104],[40,2,40,74],[40,75,40,89],[40,90,40,104],[41,2,41,61],[41,62,41,74],[41,75,41,89],[41,90,41,104],[38,2,38,61],[38,62,38,74],[38,75,38,89],[38,90,38,104],[39,2,39,74],[39,75,39,89],[39,90,39,104],[36,2,36,61],[36,62,36,74],[36,75,36,89],[36,90,36,104],[37,2,37,61],[37,62,37,74],[37,75,37,89],[37,90,37,104],[31,2,31,104],[32,2,32,104],[33,2,33,104],[34,2,34,27],[34,28,34,104],[35,2,35,74],[35,75,35,89],[35,90,35,104],[27,2,27,74],[27,75,27,104],[28,2,28,74],[28,75,28,104],[29,2,29,104],[30,2,30,104],[26,2,26,55],[26,56,26,58],[26,59,26,64],[26,65,26,67],[26,68,26,74],[26,75,26,104],[24,2,24,74],[24,75,24,89],[24,90,24,104],[25,2,25,74],[25,75,25,89],[25,90,25,104],[22,2,22,74],[22,75,22,89],[22,90,22,104],[23,2,23,74],[23,75,23,89],[23,90,23,104],[20,2,20,61],[20,62,20,74],[20,75,20,89],[20,90,20,104],[21,2,21,61],[21,62,21,74],[21,75,21,89],[21,90,21,104],[18,2,18,61],[18,62,18,74],[18,75,18,89],[18,90,18,104],[19,2,19,61],[19,62,19,74],[19,75,19,89],[19,90,19,104],[16,2,16,61],[16,62,16,74],[16,75,16,89],[16,90,16,104],[17,2,17,61],[17,62,17,74],[17,75,17,89],[17,90,17,104],[14,2,14,74],[14,75,14,89],[14,90,14,104],[15,2,15,74],[15,75,15,89],[15,90,15,104],[12,2,12,61],[12,62,12,74],[12,75,12,89],[12,90,12,104],[13,2,13,61],[13,62,13,74],[13,75,13,89],[13,90,13,104],[9,2,9,27],[9,28,9,104],[10,2,10,74],[10,75,10,89],[10,90,10,104],[11,2,11,61],[11,62,11,74],[11,75,11,89],[11,90,11,104],[6,2,6,13],[6,14,6,64],[6,65,6,77],[6,78,6,104],[7,2,7,104],[8,2,8,104],[0,2,0,104],[1,1,1,105],[2,1,2,105],[3,1,3,105],[4,1,4,105],[5,2,5,104]]}
[]
[]
[null,"Schedule E ─ Supplemental Income and Loss from Partnerships"]
[null,"(calculation process and format extracted from FNMA Form 1084)"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[]
[]
[null,null,"PARTNERSHIP #1:"]
[null,null," Schedule K-1 (Form 1065)",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2015,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2016]
[null,null,"Ordinary Business Income (Loss):",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,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,null,null,null,"[ 1 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Net Rental Real Estate Income (Loss):",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,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,null,null,null,"[ 2 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other Net Rental Income (Loss):",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,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,null,null,null,"[ 3 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"CONCATENATE(\" Subtotal Schedule K-1: \",AC10)","v":" Subtotal Schedule K-1: "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1431","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!S1431","v":0}]
[null,null," Form 1065 – U.S. Return of Partnership Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2015,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2016]
[null,null,"Ordinary (Income) Loss from Other Partnerships …",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,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,null,null,null,"[ 4 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other (Income) Loss (include only nonrecurring amount):",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,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,null,null,null,"[ 7 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Depreciation  -and-  Depletion:",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,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,null,null,null,"[ 16c & 17 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Amortization -and- Casualty Loss:",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,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,null,null,null,"[ 20 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Mortgages or Notes Payable in Less than 1 Year:",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,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,null,null,null,"[ Sch. L, 16 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Meals and Entertainment Exclusion:",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,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,null,null,null,"[ M-1, 4b ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Subtotal:",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1440","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1440","v":0}]
[null,null," Times individual percentage of ownership:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,{"$f":"CONCATENATE(\" Subtotal Form 1065: \",AC10)","v":" Subtotal Form 1065: "},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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1442","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!S1442","v":0}]
[null,null,{"$f":"IF(AC10=\"\",\" Total for Partnership #1\",CONCATENATE(\" Total for \",AC10))","v":" Total for Partnership #1"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1443","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!S1443","v":0}]
[null,null," Grand Total Income ‒ years to include in calculations:  ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BX11=\"Select Year\",\"N/A\",BX11)","v":2015},null,null,null,null,null,null,null,null,{"$f":"IF(CM11=\"Select Year\",\"N/A\",CM11)","v":2016},null,null,null,null,null,null,{"$f":"Data_Income!R1446","v":0}]
[null,null," Number of Months included in Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1448","v":0}]
[null,null," Calculated Average Monthly Partnership #1 Income or Loss",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1449","v":0}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,null,"PARTNERSHIP #2:"]
[null,null," Schedule K-1 (Form 1065)",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Ordinary Business Income (Loss):",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,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,null,null,null,"[ 1 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Net Rental Real Estate Income (Loss):",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,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,null,null,null,"[ 2 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other Net Rental Income (Loss):",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,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,null,null,null,"[ 3 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"CONCATENATE(\" Subtotal Schedule K-1: \",AC35)","v":" Subtotal Schedule K-1: "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1457","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!S1457","v":0}]
[null,null," Form 1065 – U.S. Return of Partnership Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Ordinary (Income) Loss from Other Partnerships …",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,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,null,null,null,"[ 4 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other (Income) Loss (include only nonrecurring amount):",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,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,null,null,null,"[ 7 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Depreciation  -and-  Depletion:",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,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,null,null,null,"[ 16c & 17 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Amortization -and- Casualty Loss:",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,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,null,null,null,"[ 20 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Mortgages or Notes Payable in Less than 1 Year:",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,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,null,null,null,"[ Sch. L, 16 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Meals and Entertainment Exclusion:",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,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,null,null,null,"[ M-1, 4b ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Subtotal:",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1466","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!S1466","v":0}]
[null,null," Times individual percentage of ownership:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,{"$f":"CONCATENATE(\" Subtotal Form 1065: \",AC35)","v":" Subtotal Form 1065: "},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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1468","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!S1468","v":0}]
[null,null,{"$f":"IF(AC35=\"\",\" Total for Partnership #2\",CONCATENATE(\" Total for \",AC35))","v":" Total for Partnership #2"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1469","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!S1469","v":0}]
[null,null," Grand Total Income ‒ years to include in calculations:  ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BX36=\"Select Year\",\"N/A\",BX36)","v":"N/A"},null,null,null,null,null,null,null,null,{"$f":"IF(CM36=\"Select Year\",\"N/A\",CM36)","v":"N/A"},null,null,null,null,null,null,{"$f":"Data_Income!R1472","v":0}]
[null,null," Number of Months included in Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1474","v":0}]
[null,null," Calculated Average Monthly Partnership #2 Income or Loss",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1475","v":0}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Schedule E - S-Corps 1&2","index":46,"n_rows":61,"n_cols":91,"rows_kept":61,"cut":false,"hidden":true,"merged":[[60,1,60,105],[56,1,56,105],[49,2,49,55],[49,56,49,58],[49,59,49,64],[49,65,49,67],[49,68,49,74],[57,1,57,105],[58,1,58,105],[59,1,59,105],[49,75,49,104],[50,2,50,74],[50,75,50,104],[51,2,51,74],[51,75,51,104],[52,2,52,104],[53,2,53,104],[54,2,54,104],[55,2,55,104],[46,2,46,74],[46,75,46,89],[46,90,46,104],[48,2,48,74],[48,75,48,89],[48,90,48,104],[44,2,44,61],[44,62,44,74],[44,75,44,89],[44,90,44,104],[45,2,45,74],[45,75,45,89],[45,90,45,104],[47,2,47,74],[47,75,47,89],[47,90,47,104],[42,2,42,61],[42,62,42,74],[42,75,42,89],[42,90,42,104],[43,2,43,61],[43,62,43,74],[43,75,43,89],[43,90,43,104],[40,2,40,61],[40,62,40,74],[40,75,40,89],[40,90,40,104],[41,2,41,61],[41,62,41,74],[41,75,41,89],[41,90,41,104],[39,2,39,74],[39,75,39,89],[39,90,39,104],[37,2,37,61],[37,62,37,74],[37,75,37,89],[37,90,37,104],[38,75,38,89],[38,90,38,104],[38,2,38,74],[35,90,35,104],[36,2,36,61],[36,62,36,74],[36,75,36,89],[36,90,36,104],[31,2,31,104],[32,2,32,104],[33,2,33,27],[33,28,33,104],[34,2,34,74],[34,75,34,89],[34,90,34,104],[24,90,24,104],[28,2,28,104],[29,2,29,104],[30,2,30,104],[21,2,21,74],[21,75,21,89],[21,90,21,104],[22,2,22,74],[22,75,22,89],[22,90,22,104],[23,2,23,74],[23,75,23,89],[23,90,23,104],[25,75,25,104],[26,2,26,74],[26,75,26,104],[27,2,27,74],[27,75,27,104],[25,2,25,55],[25,56,25,58],[25,59,25,64],[25,65,25,67],[25,68,25,74],[24,2,24,74],[20,90,20,104],[17,2,17,61],[17,62,17,74],[17,75,17,89],[17,90,17,104],[18,2,18,61],[18,62,18,74],[18,75,18,89],[18,90,18,104],[20,2,20,61],[20,62,20,74],[20,75,20,89],[16,90,16,104],[14,75,14,89],[14,90,14,104],[15,2,15,74],[15,75,15,89],[15,90,15,104],[14,2,14,74],[19,2,19,61],[19,62,19,74],[19,75,19,89],[19,90,19,104],[16,2,16,61],[16,62,16,74],[16,75,16,89],[10,75,10,89],[10,90,10,104],[11,2,11,61],[11,62,11,74],[11,75,11,89],[11,90,11,104],[12,2,12,61],[12,62,12,74],[12,75,12,89],[24,75,24,89],[35,2,35,61],[35,62,35,74],[35,75,35,89],[6,78,6,104],[7,2,7,104],[8,2,8,104],[0,2,0,104],[1,1,1,105],[2,1,2,105],[3,1,3,105],[4,1,4,105],[5,2,5,104],[6,2,6,13],[6,14,6,64],[6,65,6,77],[12,90,12,104],[13,2,13,61],[13,62,13,74],[13,75,13,89],[13,90,13,104],[9,2,9,27],[9,28,9,104],[10,2,10,74]]}
[]
[]
[null,"Schedule E ─ Supplemental Income and Loss from S-Corporations"]
[null,"(calculation process and format extracted from FNMA Form 1084)"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[]
[]
[null,null,"S-CORPORATION #1:"]
[null,null," Schedule K-1 (Form 1120S)",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Ordinary Business Income (Loss):",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,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,null,null,null,"[ 1 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Net Rental Real Estate Income (Loss):",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,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,null,null,null,"[ 2 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other Net Rental Income (Loss):",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,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,null,null,null,"[ 3 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"CONCATENATE(\" Subtotal Schedule K-1: \",AC10)","v":" Subtotal Schedule K-1: "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1483","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1483","v":0}]
[null,null," Form 1120S – U.S. Income Tax Return for an S Corporation",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Other (Income) Loss (include only nonrecurring amount):",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,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,null,null,null,"[ 5 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Depreciation  -and-  Depletion:",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,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,null,null,null,"[ 14 & 15 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Amortization -and- Casualty Loss:",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,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,null,null,null,"[ 19 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Mortgages or Notes Payable in Less than 1 Year:",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,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,null,null,null,"[ Sch. L, 17 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Meals and Entertainment Exclusion:",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,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,null,null,null,"[ M-1, 3b ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Subtotal:",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1491","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1491","v":0}]
[null,null," Times individual percentage of ownership:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,{"$f":"CONCATENATE(\" Subtotal Form 1120S: \",AC10)","v":" Subtotal Form 1120S: "},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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1493","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1493","v":0}]
[null,null,{"$f":"IF(AC10=\"\",\" Total for S-Corporation #1\",CONCATENATE(\" Total for \",AC10))","v":" Total for S-Corporation #1"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1494","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1494","v":0}]
[null,null," Grand Total Income ‒ years to include in calculations:  ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BX11=\"Select Year\",\"N/A\",BX11)","v":"N/A"},null,null,null,null,null,null,null,null,{"$f":"IF(CM11=\"Select Year\",\"N/A\",CM11)","v":"N/A"},null,null,null,null,null,null,{"$f":"Data_Income!C1497","v":0}]
[null,null," Number of Months included in Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1499","v":0}]
[null,null," Calculated Average Monthly S-Corporation #1 Income or Loss",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1500","v":0}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,null,"S-CORPORATION #2:"]
[null,null," Schedule K-1 (Form 1120S)",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Ordinary Business Income (Loss):",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,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,null,null,null,"[ 1 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Net Rental Real Estate Income (Loss):",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,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,null,null,null,"[ 2 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other Net Rental Income (Loss):",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,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,null,null,null,"[ 3 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"CONCATENATE(\" Subtotal Schedule K-1: \",AC34)","v":" Subtotal Schedule K-1: "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1508","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1508","v":0}]
[null,null," Form 1120S – U.S. Income Tax Return for an S Corporation",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Other (Income) Loss (include only nonrecurring amount):",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,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,null,null,null,"[ 5 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Depreciation  -and-  Depletion:",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,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,null,null,null,"[ 14 & 15 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Amortization -and- Casualty Loss:",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,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,null,null,null,"[ 19 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Mortgages or Notes Payable in Less than 1 Year:",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,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,null,null,null,"[ Sch. L, 17 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Meals and Entertainment Exclusion:",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,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,null,null,null,"[ M-1, 3b ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Subtotal:",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1516","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1516","v":0}]
[null,null," Times individual percentage of ownership:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,{"$f":"CONCATENATE(\" Subtotal Form 1120S: \",AC34)","v":" Subtotal Form 1120S: "},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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1518","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1518","v":0}]
[null,null,{"$f":"IF(AC34=\"\",\" Total for S-Corporation #2\",CONCATENATE(\" Total for \",AC34))","v":" Total for S-Corporation #2"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1519","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!D1519","v":0}]
[null,null," Grand Total Income ‒ years to include in calculations:  ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BX35=\"Select Year\",\"N/A\",BX35)","v":"N/A"},null,null,null,null,null,null,null,null,{"$f":"IF(CM35=\"Select Year\",\"N/A\",CM35)","v":"N/A"},null,null,null,null,null,null,{"$f":"Data_Income!C1522","v":0}]
[null,null," Number of Months included in Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1524","v":0}]
[null,null," Calculated Average Monthly S-Corporation #2 Income or Loss",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!C1525","v":0}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Schedule E - S-Corps 1&2 (2)","index":47,"n_rows":61,"n_cols":91,"rows_kept":61,"cut":false,"hidden":true,"merged":[[60,1,60,105],[54,2,54,104],[55,2,55,104],[56,1,56,105],[57,1,57,105],[58,1,58,105],[59,1,59,105],[50,2,50,74],[50,75,50,104],[51,2,51,74],[51,75,51,104],[52,2,52,104],[53,2,53,104],[49,2,49,55],[49,56,49,58],[49,59,49,64],[49,65,49,67],[49,68,49,74],[49,75,49,104],[47,2,47,74],[47,75,47,89],[47,90,47,104],[48,2,48,74],[48,75,48,89],[48,90,48,104],[45,2,45,74],[45,75,45,89],[45,90,45,104],[46,2,46,74],[46,75,46,89],[46,90,46,104],[43,2,43,61],[43,62,43,74],[43,75,43,89],[43,90,43,104],[44,2,44,61],[44,62,44,74],[44,75,44,89],[44,90,44,104],[41,2,41,61],[41,62,41,74],[41,75,41,89],[41,90,41,104],[42,2,42,61],[42,62,42,74],[42,75,42,89],[42,90,42,104],[39,2,39,74],[39,75,39,89],[39,90,39,104],[40,2,40,61],[40,62,40,74],[40,75,40,89],[40,90,40,104],[37,2,37,61],[37,62,37,74],[37,75,37,89],[37,90,37,104],[38,2,38,74],[38,75,38,89],[38,90,38,104],[35,2,35,61],[35,62,35,74],[35,75,35,89],[35,90,35,104],[36,2,36,61],[36,62,36,74],[36,75,36,89],[36,90,36,104],[30,2,30,104],[31,2,31,104],[32,2,32,104],[33,2,33,27],[33,28,33,104],[34,2,34,74],[34,75,34,89],[34,90,34,104],[26,2,26,74],[26,75,26,104],[27,2,27,74],[27,75,27,104],[28,2,28,104],[29,2,29,104],[24,2,24,74],[24,75,24,89],[24,90,24,104],[25,2,25,55],[25,56,25,58],[25,59,25,64],[25,65,25,67],[25,68,25,74],[25,75,25,104],[22,2,22,74],[22,75,22,89],[22,90,22,104],[23,2,23,74],[23,75,23,89],[23,90,23,104],[20,2,20,61],[20,62,20,74],[20,75,20,89],[20,90,20,104],[21,2,21,74],[21,75,21,89],[21,90,21,104],[18,2,18,61],[18,62,18,74],[18,75,18,89],[18,90,18,104],[19,2,19,61],[19,62,19,74],[19,75,19,89],[19,90,19,104],[16,2,16,61],[16,62,16,74],[16,75,16,89],[16,90,16,104],[17,2,17,61],[17,62,17,74],[17,75,17,89],[17,90,17,104],[14,2,14,74],[14,75,14,89],[14,90,14,104],[15,2,15,74],[15,75,15,89],[15,90,15,104],[12,2,12,61],[12,62,12,74],[12,75,12,89],[12,90,12,104],[13,2,13,61],[13,62,13,74],[13,75,13,89],[13,90,13,104],[9,2,9,27],[9,28,9,104],[10,2,10,74],[10,75,10,89],[10,90,10,104],[11,2,11,61],[11,62,11,74],[11,75,11,89],[11,90,11,104],[6,2,6,13],[6,14,6,64],[6,65,6,77],[6,78,6,104],[7,2,7,104],[8,2,8,104],[0,2,0,104],[1,1,1,105],[2,1,2,105],[3,1,3,105],[4,1,4,105],[5,2,5,104]]}
[]
[]
[null,"Schedule E ─ Supplemental Income and Loss from S-Corporations"]
[null,"(calculation process and format extracted from FNMA Form 1084)"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[]
[]
[null,null,"S-CORPORATION #1:"]
[null,null," Schedule K-1 (Form 1120S)",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Ordinary Business Income (Loss):",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,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,null,null,null,"[ 1 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Net Rental Real Estate Income (Loss):",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,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,null,null,null,"[ 2 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other Net Rental Income (Loss):",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,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,null,null,null,"[ 3 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"CONCATENATE(\" Subtotal Schedule K-1: \",AC10)","v":" Subtotal Schedule K-1: "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1483","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I1483","v":0}]
[null,null," Form 1120S – U.S. Income Tax Return for an S Corporation",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Other (Income) Loss (include only nonrecurring amount):",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,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,null,null,null,"[ 5 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Depreciation  -and-  Depletion:",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,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,null,null,null,"[ 14 & 15 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Amortization -and- Casualty Loss:",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,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,null,null,null,"[ 19 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Mortgages or Notes Payable in Less than 1 Year:",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,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,null,null,null,"[ Sch. L, 17 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Meals and Entertainment Exclusion:",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,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,null,null,null,"[ M-1, 3b ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Subtotal:",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1491","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I1491","v":0}]
[null,null," Times individual percentage of ownership:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,{"$f":"CONCATENATE(\" Subtotal Form 1120S: \",AC10)","v":" Subtotal Form 1120S: "},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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1493","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I1493","v":0}]
[null,null,{"$f":"IF(AC10=\"\",\" Total for S-Corporation #1\",CONCATENATE(\" Total for \",AC10))","v":" Total for S-Corporation #1"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1494","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I1494","v":0}]
[null,null," Grand Total Income ‒ years to include in calculations:  ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BX11=\"Select Year\",\"N/A\",BX11)","v":"N/A"},null,null,null,null,null,null,null,null,{"$f":"IF(CM11=\"Select Year\",\"N/A\",CM11)","v":"N/A"},null,null,null,null,null,null,{"$f":"Data_Income!H1497","v":0}]
[null,null," Number of Months included in Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1499","v":0}]
[null,null," Calculated Average Monthly S-Corporation #1 Income or Loss",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1500","v":0}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,null,"S-CORPORATION #2:"]
[null,null," Schedule K-1 (Form 1120S)",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Ordinary Business Income (Loss):",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,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,null,null,null,"[ 1 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Net Rental Real Estate Income (Loss):",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,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,null,null,null,"[ 2 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other Net Rental Income (Loss):",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,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,null,null,null,"[ 3 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"CONCATENATE(\" Subtotal Schedule K-1: \",AC34)","v":" Subtotal Schedule K-1: "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1508","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I1508","v":0}]
[null,null," Form 1120S – U.S. Income Tax Return for an S Corporation",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Other (Income) Loss (include only nonrecurring amount):",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,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,null,null,null,"[ 5 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Depreciation  -and-  Depletion:",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,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,null,null,null,"[ 14 & 15 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Amortization -and- Casualty Loss:",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,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,null,null,null,"[ 19 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Mortgages or Notes Payable in Less than 1 Year:",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,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,null,null,null,"[ Sch. L, 17 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Meals and Entertainment Exclusion:",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,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,null,null,null,"[ M-1, 3b ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Subtotal:",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1516","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I1516","v":0}]
[null,null," Times individual percentage of ownership:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,{"$f":"CONCATENATE(\" Subtotal Form 1120S: \",AC34)","v":" Subtotal Form 1120S: "},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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1518","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I1518","v":0}]
[null,null,{"$f":"IF(AC34=\"\",\" Total for S-Corporation #2\",CONCATENATE(\" Total for \",AC34))","v":" Total for S-Corporation #2"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1519","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!I1519","v":0}]
[null,null," Grand Total Income ‒ years to include in calculations:  ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BX35=\"Select Year\",\"N/A\",BX35)","v":"N/A"},null,null,null,null,null,null,null,null,{"$f":"IF(CM35=\"Select Year\",\"N/A\",CM35)","v":"N/A"},null,null,null,null,null,null,{"$f":"Data_Income!H1522","v":0}]
[null,null," Number of Months included in Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1524","v":0}]
[null,null," Calculated Average Monthly S-Corporation #2 Income or Loss",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!H1525","v":0}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Schedule E - S-Corps 1&2 (3)","index":48,"n_rows":61,"n_cols":91,"rows_kept":61,"cut":false,"hidden":true,"merged":[[60,1,60,105],[54,2,54,104],[55,2,55,104],[56,1,56,105],[57,1,57,105],[58,1,58,105],[59,1,59,105],[50,2,50,74],[50,75,50,104],[51,2,51,74],[51,75,51,104],[52,2,52,104],[53,2,53,104],[49,2,49,55],[49,56,49,58],[49,59,49,64],[49,65,49,67],[49,68,49,74],[49,75,49,104],[47,2,47,74],[47,75,47,89],[47,90,47,104],[48,2,48,74],[48,75,48,89],[48,90,48,104],[45,2,45,74],[45,75,45,89],[45,90,45,104],[46,2,46,74],[46,75,46,89],[46,90,46,104],[43,2,43,61],[43,62,43,74],[43,75,43,89],[43,90,43,104],[44,2,44,61],[44,62,44,74],[44,75,44,89],[44,90,44,104],[41,2,41,61],[41,62,41,74],[41,75,41,89],[41,90,41,104],[42,2,42,61],[42,62,42,74],[42,75,42,89],[42,90,42,104],[39,2,39,74],[39,75,39,89],[39,90,39,104],[40,2,40,61],[40,62,40,74],[40,75,40,89],[40,90,40,104],[37,2,37,61],[37,62,37,74],[37,75,37,89],[37,90,37,104],[38,2,38,74],[38,75,38,89],[38,90,38,104],[35,2,35,61],[35,62,35,74],[35,75,35,89],[35,90,35,104],[36,2,36,61],[36,62,36,74],[36,75,36,89],[36,90,36,104],[30,2,30,104],[31,2,31,104],[32,2,32,104],[33,2,33,27],[33,28,33,104],[34,2,34,74],[34,75,34,89],[34,90,34,104],[26,2,26,74],[26,75,26,104],[27,2,27,74],[27,75,27,104],[28,2,28,104],[29,2,29,104],[24,2,24,74],[24,75,24,89],[24,90,24,104],[25,2,25,55],[25,56,25,58],[25,59,25,64],[25,65,25,67],[25,68,25,74],[25,75,25,104],[22,2,22,74],[22,75,22,89],[22,90,22,104],[23,2,23,74],[23,75,23,89],[23,90,23,104],[20,2,20,61],[20,62,20,74],[20,75,20,89],[20,90,20,104],[21,2,21,74],[21,75,21,89],[21,90,21,104],[18,2,18,61],[18,62,18,74],[18,75,18,89],[18,90,18,104],[19,2,19,61],[19,62,19,74],[19,75,19,89],[19,90,19,104],[16,2,16,61],[16,62,16,74],[16,75,16,89],[16,90,16,104],[17,2,17,61],[17,62,17,74],[17,75,17,89],[17,90,17,104],[14,2,14,74],[14,75,14,89],[14,90,14,104],[15,2,15,74],[15,75,15,89],[15,90,15,104],[12,2,12,61],[12,62,12,74],[12,75,12,89],[12,90,12,104],[13,2,13,61],[13,62,13,74],[13,75,13,89],[13,90,13,104],[9,2,9,27],[9,28,9,104],[10,2,10,74],[10,75,10,89],[10,90,10,104],[11,2,11,61],[11,62,11,74],[11,75,11,89],[11,90,11,104],[6,2,6,13],[6,14,6,64],[6,65,6,77],[6,78,6,104],[7,2,7,104],[8,2,8,104],[0,2,0,104],[1,1,1,105],[2,1,2,105],[3,1,3,105],[4,1,4,105],[5,2,5,104]]}
[]
[]
[null,"Schedule E ─ Supplemental Income and Loss from S-Corporations"]
[null,"(calculation process and format extracted from FNMA Form 1084)"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[]
[]
[null,null,"S-CORPORATION #1:"]
[null,null," Schedule K-1 (Form 1120S)",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Ordinary Business Income (Loss):",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,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,null,null,null,"[ 1 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Net Rental Real Estate Income (Loss):",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,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,null,null,null,"[ 2 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other Net Rental Income (Loss):",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,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,null,null,null,"[ 3 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"CONCATENATE(\" Subtotal Schedule K-1: \",AC10)","v":" Subtotal Schedule K-1: "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1483","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!N1483","v":0}]
[null,null," Form 1120S – U.S. Income Tax Return for an S Corporation",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Other (Income) Loss (include only nonrecurring amount):",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,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,null,null,null,"[ 5 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Depreciation  -and-  Depletion:",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,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,null,null,null,"[ 14 & 15 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Amortization -and- Casualty Loss:",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,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,null,null,null,"[ 19 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Mortgages or Notes Payable in Less than 1 Year:",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,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,null,null,null,"[ Sch. L, 17 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Meals and Entertainment Exclusion:",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,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,null,null,null,"[ M-1, 3b ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Subtotal:",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1491","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!N1491","v":0}]
[null,null," Times individual percentage of ownership:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,{"$f":"CONCATENATE(\" Subtotal Form 1120S: \",AC10)","v":" Subtotal Form 1120S: "},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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1493","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!N1493","v":0}]
[null,null,{"$f":"IF(AC10=\"\",\" Total for S-Corporation #1\",CONCATENATE(\" Total for \",AC10))","v":" Total for S-Corporation #1"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1494","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!N1494","v":0}]
[null,null," Grand Total Income ‒ years to include in calculations:  ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BX11=\"Select Year\",\"N/A\",BX11)","v":"N/A"},null,null,null,null,null,null,null,null,{"$f":"IF(CM11=\"Select Year\",\"N/A\",CM11)","v":"N/A"},null,null,null,null,null,null,{"$f":"Data_Income!M1497","v":0}]
[null,null," Number of Months included in Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1499","v":0}]
[null,null," Calculated Average Monthly S-Corporation #1 Income or Loss",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1500","v":0}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,null,"S-CORPORATION #2:"]
[null,null," Schedule K-1 (Form 1120S)",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Ordinary Business Income (Loss):",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,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,null,null,null,"[ 1 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Net Rental Real Estate Income (Loss):",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,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,null,null,null,"[ 2 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other Net Rental Income (Loss):",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,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,null,null,null,"[ 3 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"CONCATENATE(\" Subtotal Schedule K-1: \",AC34)","v":" Subtotal Schedule K-1: "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1508","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!N1508","v":0}]
[null,null," Form 1120S – U.S. Income Tax Return for an S Corporation",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Other (Income) Loss (include only nonrecurring amount):",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,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,null,null,null,"[ 5 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Depreciation  -and-  Depletion:",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,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,null,null,null,"[ 14 & 15 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Amortization -and- Casualty Loss:",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,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,null,null,null,"[ 19 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Mortgages or Notes Payable in Less than 1 Year:",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,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,null,null,null,"[ Sch. L, 17 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Meals and Entertainment Exclusion:",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,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,null,null,null,"[ M-1, 3b ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Subtotal:",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1516","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!N1516","v":0}]
[null,null," Times individual percentage of ownership:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,{"$f":"CONCATENATE(\" Subtotal Form 1120S: \",AC34)","v":" Subtotal Form 1120S: "},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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1518","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!N1518","v":0}]
[null,null,{"$f":"IF(AC34=\"\",\" Total for S-Corporation #2\",CONCATENATE(\" Total for \",AC34))","v":" Total for S-Corporation #2"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1519","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!N1519","v":0}]
[null,null," Grand Total Income ‒ years to include in calculations:  ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BX35=\"Select Year\",\"N/A\",BX35)","v":"N/A"},null,null,null,null,null,null,null,null,{"$f":"IF(CM35=\"Select Year\",\"N/A\",CM35)","v":"N/A"},null,null,null,null,null,null,{"$f":"Data_Income!M1522","v":0}]
[null,null," Number of Months included in Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1524","v":0}]
[null,null," Calculated Average Monthly S-Corporation #2 Income or Loss",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!M1525","v":0}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Schedule E - S-Corps 1&2 (4)","index":49,"n_rows":61,"n_cols":91,"rows_kept":61,"cut":false,"hidden":true,"merged":[[60,1,60,105],[54,2,54,104],[55,2,55,104],[56,1,56,105],[57,1,57,105],[58,1,58,105],[59,1,59,105],[50,2,50,74],[50,75,50,104],[51,2,51,74],[51,75,51,104],[52,2,52,104],[53,2,53,104],[49,2,49,55],[49,56,49,58],[49,59,49,64],[49,65,49,67],[49,68,49,74],[49,75,49,104],[47,2,47,74],[47,75,47,89],[47,90,47,104],[48,2,48,74],[48,75,48,89],[48,90,48,104],[45,2,45,74],[45,75,45,89],[45,90,45,104],[46,2,46,74],[46,75,46,89],[46,90,46,104],[43,2,43,61],[43,62,43,74],[43,75,43,89],[43,90,43,104],[44,2,44,61],[44,62,44,74],[44,75,44,89],[44,90,44,104],[41,2,41,61],[41,62,41,74],[41,75,41,89],[41,90,41,104],[42,2,42,61],[42,62,42,74],[42,75,42,89],[42,90,42,104],[39,2,39,74],[39,75,39,89],[39,90,39,104],[40,2,40,61],[40,62,40,74],[40,75,40,89],[40,90,40,104],[37,2,37,61],[37,62,37,74],[37,75,37,89],[37,90,37,104],[38,2,38,74],[38,75,38,89],[38,90,38,104],[35,2,35,61],[35,62,35,74],[35,75,35,89],[35,90,35,104],[36,2,36,61],[36,62,36,74],[36,75,36,89],[36,90,36,104],[30,2,30,104],[31,2,31,104],[32,2,32,104],[33,2,33,27],[33,28,33,104],[34,2,34,74],[34,75,34,89],[34,90,34,104],[26,2,26,74],[26,75,26,104],[27,2,27,74],[27,75,27,104],[28,2,28,104],[29,2,29,104],[24,2,24,74],[24,75,24,89],[24,90,24,104],[25,2,25,55],[25,56,25,58],[25,59,25,64],[25,65,25,67],[25,68,25,74],[25,75,25,104],[22,2,22,74],[22,75,22,89],[22,90,22,104],[23,2,23,74],[23,75,23,89],[23,90,23,104],[20,2,20,61],[20,62,20,74],[20,75,20,89],[20,90,20,104],[21,2,21,74],[21,75,21,89],[21,90,21,104],[18,2,18,61],[18,62,18,74],[18,75,18,89],[18,90,18,104],[19,2,19,61],[19,62,19,74],[19,75,19,89],[19,90,19,104],[16,2,16,61],[16,62,16,74],[16,75,16,89],[16,90,16,104],[17,2,17,61],[17,62,17,74],[17,75,17,89],[17,90,17,104],[14,2,14,74],[14,75,14,89],[14,90,14,104],[15,2,15,74],[15,75,15,89],[15,90,15,104],[12,2,12,61],[12,62,12,74],[12,75,12,89],[12,90,12,104],[13,2,13,61],[13,62,13,74],[13,75,13,89],[13,90,13,104],[9,2,9,27],[9,28,9,104],[10,2,10,74],[10,75,10,89],[10,90,10,104],[11,2,11,61],[11,62,11,74],[11,75,11,89],[11,90,11,104],[6,2,6,13],[6,14,6,64],[6,65,6,77],[6,78,6,104],[7,2,7,104],[8,2,8,104],[0,2,0,104],[1,1,1,105],[2,1,2,105],[3,1,3,105],[4,1,4,105],[5,2,5,104]]}
[]
[]
[null,"Schedule E ─ Supplemental Income and Loss from S-Corporations"]
[null,"(calculation process and format extracted from FNMA Form 1084)"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,""]
[]
[]
[null,null,"S-CORPORATION #1:"]
[null,null," Schedule K-1 (Form 1120S)",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Ordinary Business Income (Loss):",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,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,null,null,null,"[ 1 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Net Rental Real Estate Income (Loss):",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,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,null,null,null,"[ 2 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other Net Rental Income (Loss):",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,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,null,null,null,"[ 3 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"CONCATENATE(\" Subtotal Schedule K-1: \",AC10)","v":" Subtotal Schedule K-1: "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1483","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!S1483","v":0}]
[null,null," Form 1120S – U.S. Income Tax Return for an S Corporation",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Other (Income) Loss (include only nonrecurring amount):",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,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,null,null,null,"[ 5 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Depreciation  -and-  Depletion:",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,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,null,null,null,"[ 14 & 15 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Amortization -and- Casualty Loss:",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,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,null,null,null,"[ 19 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Mortgages or Notes Payable in Less than 1 Year:",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,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,null,null,null,"[ Sch. L, 17 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Meals and Entertainment Exclusion:",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,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,null,null,null,"[ M-1, 3b ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Subtotal:",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1491","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!S1491","v":0}]
[null,null," Times individual percentage of ownership:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,{"$f":"CONCATENATE(\" Subtotal Form 1120S: \",AC10)","v":" Subtotal Form 1120S: "},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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1493","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!S1493","v":0}]
[null,null,{"$f":"IF(AC10=\"\",\" Total for S-Corporation #1\",CONCATENATE(\" Total for \",AC10))","v":" Total for S-Corporation #1"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1494","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!S1494","v":0}]
[null,null," Grand Total Income ‒ years to include in calculations:  ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BX11=\"Select Year\",\"N/A\",BX11)","v":"N/A"},null,null,null,null,null,null,null,null,{"$f":"IF(CM11=\"Select Year\",\"N/A\",CM11)","v":"N/A"},null,null,null,null,null,null,{"$f":"Data_Income!R1497","v":0}]
[null,null," Number of Months included in Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1499","v":0}]
[null,null," Calculated Average Monthly S-Corporation #1 Income or Loss",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1500","v":0}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,null,"S-CORPORATION #2:"]
[null,null," Schedule K-1 (Form 1120S)",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Ordinary Business Income (Loss):",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,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,null,null,null,"[ 1 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Net Rental Real Estate Income (Loss):",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,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,null,null,null,"[ 2 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other Net Rental Income (Loss):",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,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,null,null,null,"[ 3 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"CONCATENATE(\" Subtotal Schedule K-1: \",AC34)","v":" Subtotal Schedule K-1: "},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1508","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!S1508","v":0}]
[null,null," Form 1120S – U.S. Income Tax Return for an S Corporation",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Select Year"]
[null,null,"Other (Income) Loss (include only nonrecurring amount):",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,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,null,null,null,"[ 5 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Depreciation  -and-  Depletion:",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,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,null,null,null,"[ 14 & 15 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Amortization -and- Casualty Loss:",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,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,null,null,null,"[ 19 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Mortgages or Notes Payable in Less than 1 Year:",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,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,null,null,null,"[ Sch. L, 17 ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Meals and Entertainment Exclusion:",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,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,null,null,null,"[ M-1, 3b ]",null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," Subtotal:",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1516","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!S1516","v":0}]
[null,null," Times individual percentage of ownership:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,{"$f":"CONCATENATE(\" Subtotal Form 1120S: \",AC34)","v":" Subtotal Form 1120S: "},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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1518","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!S1518","v":0}]
[null,null,{"$f":"IF(AC34=\"\",\" Total for S-Corporation #2\",CONCATENATE(\" Total for \",AC34))","v":" Total for S-Corporation #2"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1519","v":0},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!S1519","v":0}]
[null,null," Grand Total Income ‒ years to include in calculations:  ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BX35=\"Select Year\",\"N/A\",BX35)","v":"N/A"},null,null,null,null,null,null,null,null,{"$f":"IF(CM35=\"Select Year\",\"N/A\",CM35)","v":"N/A"},null,null,null,null,null,null,{"$f":"Data_Income!R1522","v":0}]
[null,null," Number of Months included in Income",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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1524","v":0}]
[null,null," Calculated Average Monthly S-Corporation #2 Income or Loss",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!R1525","v":0}]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility for the"]
[null,"accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet. It is the"]
[null,"responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any documentation"]
[null,"used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Assets","index":50,"n_rows":128,"n_cols":100,"rows_kept":128,"cut":false,"hidden":true,"merged":[[122,2,122,105],[123,1,123,106],[124,2,124,104],[125,2,125,104],[126,2,126,104],[127,2,127,104],[117,2,117,92],[117,93,117,105],[118,2,118,105],[119,2,119,105],[120,2,120,105],[121,2,121,105],[116,2,116,18],[116,19,116,63],[116,64,116,73],[116,74,116,86],[116,87,116,92],[116,93,116,105],[115,2,115,18],[115,19,115,63],[115,64,115,73],[115,74,115,86],[115,87,115,92],[115,93,115,105],[114,2,114,18],[114,19,114,63],[114,64,114,73],[114,74,114,86],[114,87,114,92],[114,93,114,105],[113,2,113,18],[113,19,113,63],[113,64,113,73],[113,74,113,86],[113,87,113,92],[113,93,113,105],[111,93,111,105],[112,2,112,18],[112,19,112,63],[112,64,112,73],[112,74,112,86],[112,87,112,92],[112,93,112,105],[107,5,107,86],[108,2,108,105],[109,2,109,105],[110,2,110,105],[111,2,111,16],[111,17,111,18],[111,19,111,63],[111,64,111,73],[111,74,111,86],[111,87,111,92],[99,2,107,4],[99,5,99,86],[99,87,107,98],[99,99,107,105],[100,5,100,86],[101,5,101,86],[102,5,102,86],[92,2,92,105],[93,2,93,86],[93,87,93,98],[93,99,93,105],[94,2,96,4],[94,5,94,86],[94,87,96,98],[94,99,96,105],[95,5,95,86],[96,5,96,86],[103,5,103,86],[104,5,104,86],[105,5,105,86],[106,5,106,86],[97,2,98,4],[97,5,97,86],[97,87,98,98],[97,99,98,105],[98,5,98,86],[90,2,90,31],[90,32,90,56],[90,57,90,81],[90,82,90,92],[90,93,90,105],[91,2,91,92],[91,93,91,105],[88,2,88,31],[88,32,88,56],[88,57,88,81],[88,82,88,92],[88,93,88,105],[89,2,89,31],[89,32,89,56],[89,57,89,81],[89,82,89,92],[89,93,89,105],[84,2,84,105],[85,2,85,105],[86,2,86,105],[87,2,87,31],[87,32,87,56],[87,57,87,79],[87,80,87,81],[87,82,87,92],[87,93,87,105],[81,2,81,87],[81,88,81,105],[82,2,82,87],[82,88,82,105],[83,2,83,87],[83,88,83,105],[77,2,77,87],[78,2,78,87],[78,88,78,105],[79,2,79,87],[79,88,79,105],[80,2,80,87],[80,88,80,105],[74,2,74,87],[74,88,74,105],[75,2,75,87],[75,88,75,105],[76,2,76,87],[76,88,76,105],[73,2,73,41],[73,42,73,54],[73,55,73,66],[73,67,73,79],[73,80,73,87],[73,88,73,105],[69,2,69,87],[69,88,69,105],[70,2,70,87],[70,88,70,105],[71,2,71,87],[72,2,72,87],[72,88,72,105],[64,93,64,105],[65,2,65,92],[65,93,65,105],[67,2,67,87],[67,88,67,105],[68,2,68,87],[68,88,68,105],[64,2,64,18],[64,19,64,46],[64,47,64,63],[64,64,64,73],[64,74,64,86],[64,87,64,92],[62,93,62,105],[63,2,63,18],[63,19,63,46],[63,47,63,63],[63,64,63,73],[63,74,63,86],[63,87,63,92],[63,93,63,105],[62,2,62,18],[62,19,62,46],[62,47,62,63],[62,64,62,73],[62,74,62,86],[62,87,62,92],[60,93,60,105],[61,2,61,18],[61,19,61,46],[61,47,61,63],[61,64,61,73],[61,74,61,86],[61,87,61,92],[61,93,61,105],[57,2,57,105],[58,2,58,105],[59,2,59,105],[60,2,60,16],[60,17,60,18],[60,19,60,46],[60,47,60,63],[60,64,60,73],[60,74,60,86],[60,87,60,92],[53,2,54,4],[53,5,53,86],[53,87,54,98],[53,99,54,105],[54,5,54,86],[55,2,56,4],[55,5,55,86],[55,87,56,98],[55,99,56,105],[56,5,56,86],[50,2,50,92],[50,93,50,105],[51,2,51,105],[52,2,52,53],[52,54,52,86],[52,87,52,98],[52,99,52,105],[48,93,48,105],[49,2,49,18],[49,19,49,46],[49,47,49,63],[49,64,49,73],[49,74,49,86],[49,87,49,92],[49,93,49,105],[48,2,48,18],[48,19,48,46],[48,47,48,63],[48,64,48,73],[48,74,48,86],[48,87,48,92],[46,93,46,105],[47,2,47,18],[47,19,47,46],[47,47,47,63],[47,64,47,73],[47,74,47,86],[47,87,47,92],[47,93,47,105],[46,2,46,18],[46,19,46,46],[46,47,46,63],[46,64,46,73],[46,74,46,86],[46,87,46,92],[44,93,44,105],[45,2,45,18],[45,19,45,46],[45,47,45,63],[45,64,45,73],[45,74,45,86],[45,87,45,92],[45,93,45,105],[44,2,44,18],[44,19,44,46],[44,47,44,63],[44,64,44,73],[44,74,44,86],[44,87,44,92],[42,87,42,92],[42,93,42,105],[43,2,43,18],[43,19,43,46],[43,47,43,63],[43,64,43,73],[43,74,43,86],[43,87,43,92],[43,93,43,105],[42,2,42,16],[42,17,42,18],[42,19,42,46],[42,47,42,63],[42,64,42,73],[42,74,42,86],[39,2,39,105],[40,2,40,105],[41,2,41,105],[37,2,37,18],[37,19,37,46],[37,47,37,63],[37,64,37,73],[37,74,37,83],[37,84,37,92],[36,2,36,18],[36,19,36,46],[36,47,36,63],[36,64,36,73],[36,74,36,83],[36,84,36,92],[36,93,36,105],[37,93,37,105],[38,2,38,92],[38,93,38,105],[31,2,31,87],[31,88,31,105],[32,2,32,105],[33,2,33,105],[34,2,34,105],[35,2,35,16],[35,17,35,18],[35,19,35,46],[35,47,35,63],[35,64,35,73],[35,74,35,83],[35,84,35,92],[35,93,35,105],[28,2,28,87],[28,88,28,105],[29,2,29,87],[29,88,29,105],[30,2,30,18],[30,19,30,21],[30,22,30,87],[30,88,30,105],[25,2,25,87],[25,88,25,105],[26,2,26,87],[26,88,26,105],[27,2,27,87],[27,88,27,105],[22,2,22,87],[22,88,22,105],[23,2,23,87],[23,88,23,105],[24,2,24,87],[24,88,24,105],[19,2,19,87],[19,88,19,105],[20,2,20,87],[20,88,20,105],[21,2,21,87],[21,88,21,105],[17,2,17,9],[17,10,17,51],[17,53,17,59],[17,60,17,85],[17,88,17,105],[18,2,18,87],[18,88,18,105],[13,2,13,87],[13,88,13,105],[14,2,14,87],[14,88,14,105],[15,88,15,105],[16,2,16,9],[16,10,16,51],[16,53,16,59],[16,60,16,85],[16,88,16,105],[9,2,9,105],[10,2,10,87],[10,88,10,105],[11,2,11,87],[11,88,11,105],[12,2,12,85],[12,88,12,105],[6,2,6,105],[7,2,7,105],[8,2,8,14],[8,15,8,32],[8,33,8,35],[8,36,8,49],[8,50,8,67],[8,68,8,70],[8,71,8,84],[8,85,8,105],[0,2,0,105],[1,1,1,106],[2,1,2,106],[3,1,3,106],[4,2,4,105],[5,2,5,13],[5,14,5,70],[5,71,5,83],[5,84,5,105]]}
[]
[]
[null,"Assets Worksheet"]
[]
[]
[null,null,"Borrower:",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,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,null,null,null,null,null,null,null,null,null,null,null,null,"Loan #: "]
[]
[]
[null,null,"Loan Type: ",null,null,null,null,null,null,null,null,null,null,null,null,"~ Select ~",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Transaction:",null,null,null,null,null,null,null,null,null,null,null,null,null,"~ Select ~",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Occupancy:",null,null,null,null,null,null,null,null,null,null,null,null,null,"~ Select ~"]
[]
[null,null,"Purchase Price:",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,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,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,null,0]
[null,null,"Appraised Value:",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,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,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,null,0]
[null,null,{"$f":"CONCATENATE(\"Base Loan Amount  \",AssetData!B87,\":\")","v":"Base Loan Amount  (LTV = .000% / CLTV = .000%):"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Minimum Required Investment (down payment):",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"MINREQINV","v":0}]
[]
[null,null,"Subordinate Financing"]
[null,null,"Name:",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Type:",null,null,null,null,null,null,"Bond Program",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,"Name:",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Type:",null,null,null,null,null,null,"Bond Program",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,"Total PITI and PMI/MIP Payment:",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,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,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,null,0]
[]
[null,null,"Total Qualifying Income (combined grand total from all sources for all borrowers)",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,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,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,null,0]
[]
[null,null,"Total Verified Funds (AUS results must reflect these exact amounts)"]
[null,null,"Liquid Funds - Personal (total combined amount of all personal liquid funds accounts):",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,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,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,null,{"$f":"CP51","v":0}]
[null,null,"Liquid Funds - Business (total combined amount of all business liquid funds accounts):",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CP66","v":0}]
[null,null,"Gift Funds (total combined amount of all gift funds received and to be received):",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,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,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,null,{"$f":"CP92","v":0}]
[null,null,"Non-Liquid Funds (total combined amount of all non-liquid accounts):",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CP118","v":0}]
[null,null,"Total All Funds",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,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,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,null,{"$f":"SUM(CK25:DB28)","v":0}]
[null,null,"Funds Required to Close (DataTrac and AUS must reflect this exact amount):",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Total Reserves  ( ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Include business funds in reserves)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AssetData!C169","v":0}]
[null,null,"Total Months Reserves for Subject Property",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,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,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,null,{"$f":"AssetData!C173","v":0}]
[]
[]
[null,null,"EARNEST MONEY DEPOSIT"]
[null,null,"ACCT TYPE",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ò",null,"INSTITUTION NAME",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ACCT #",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"REF #",null,null,null,null,null,null,null,null,null,"DATED",null,null,null,null,null,null,null,null,null,"CLEAR'D",null,null,null,null,null,null,null,null,"AMOUNT"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," TOTAL EARNEST MONEY",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(CP37:DB38)","v":0}]
[]
[]
[null,null,"LIQUID FUNDS ─ PERSONAL ACCOUNTS"]
[null,null,"ACCT TYPE",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ò",null,"INSTITUTION NAME",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,"ACCT #",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DATE",null,null,null,null,null,null,null,null,null,"BALANCE",null,null,null,null,null,null,null,null,null,null,null,null,"%",null,null,null,null,null,"AVAILABLE"]
[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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BW113>0.01,60%,\"\")","v":""},null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BW114>0.01,60%,\"\")","v":""},null,null,null,null,null,{"$f":"AssetData!C109","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BW115>0.01,60%,\"\")","v":""},null,null,null,null,null,{"$f":"AssetData!C110","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BW47>0.01,100%,\"\")","v":""},null,null,null,null,null,{"$f":"AssetData!C111","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BW116>0.01,60%,\"\")","v":""},null,null,null,null,null,{"$f":"AssetData!C112","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BW117>0.01,60%,\"\")","v":""},null,null,null,null,null,{"$f":"AssetData!C113","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BW50>0.01,100%,\"\")","v":""},null,null,null,null,null,{"$f":"AssetData!C114","v":0}]
[null,null," TOTAL LIQUID FUNDS FROM PERSONAL ACCOUNTS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(CP44:DB50)","v":0}]
[]
[null,null,"Underwriter Certification of Large Deposits",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"MSGLRGDEP1","v":"(large deposit is $TBD)"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Date Certified",null,null,null,null,null,null,null,null,null,null,null,"Initials"]
[null,null,"1.",null,null,"Fully executed letter of explanation and paper trail documentation of acceptable"]
[null,null,null,null,null,{"$f":"MSGLRGDEP2","v":"source, has been provided on each deposit in excess of $TBD"}]
[null,null,"2.",null,null,{"$f":"MSGLRGDEP3","v":"Was any deposit in excess of $TBD backed out? If so, underwriter certifies"}]
[null,null,null,null,null,"that file contains letter of explanation from underwriter on deposits backed out."]
[]
[]
[null,null,"LIQUID FUNDS ─ BUSINESS ACCOUNTS"]
[null,null,"ACCT TYPE",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ò",null,"INSTITUTION NAME",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,"ACCT #",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DATE",null,null,null,null,null,null,null,null,null,"BALANCE",null,null,null,null,null,null,null,null,null,null,null,null,"%",null,null,null,null,null,"AVAILABLE"]
[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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," TOTAL LIQUID FUNDS FROM BUSINESS ACCOUNTS",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,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,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,null,null,null,null,null,null,{"$f":"CK82","v":0}]
[]
[null,null,"Average Business Expenses"]
[null,null,"Total Business Expenses for the Most Recent Tax Year",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,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,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,null,0]
[null,null,"Add Back Depreciation / Depletion",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,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,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,null,0]
[null,null,"Business Expenses Monthly Average",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,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,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,null,{"$f":"AssetData!D135","v":0}]
[]
[null,null,"Residual Business Assets"]
[null,null,"Total Deposits for the period beginning ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"and ending",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Monthly average deposit",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AssetData!D141","v":0}]
[null,null,"Less Business Expenses Monthly Average",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,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,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,null,{"$f":"AssetData!D135","v":0}]
[null,null,"Residual Assets",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AssetData!D142","v":0}]
[]
[null,null,"Available Business Assets"]
[null,null,"Balance of All Business Accounts",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,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,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,null,{"$f":"AssetData!D144","v":0}]
[null,null,"Business Expenses Monthly Average",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AssetData!D145","v":0}]
[null,null,"Business Funds Available for Closing",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,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,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,null,{"$f":"AssetData!D146","v":0}]
[null,null,"Actual Amount of Business Funds to be Used for Closing",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Number of Months Reserves for Business Expenses",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AssetData!D148","v":0}]
[]
[]
[null,null,"GIFT FUNDS"]
[null,null,"DONOR NAME",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,null,"RELATION TO BORR",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"GIFT DOC TYPE",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ò",null,"DT REC'D",null,null,null,null,null,null,null,null,null,null,"AMOUNT"]
[null,null,""]
[null,null,""]
[null,null,""]
[null,null," TOTAL GIFT FUNDS",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,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,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,null,null,null,null,null,null,{"$f":"SUM(CP89:DB91)","v":0}]
[]
[null,null,"Underwriter Certification of Gift Funds Documentation",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,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,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,"Date Certified",null,null,null,null,null,null,null,null,null,null,null,"Initials"]
[null,null,"1.",null,null,"Does the file contain a fully executed lender gift letter, signed by borrowers and"]
[null,null,null,null,null,"donors, reflecting the correct property address, account information, donor address"]
[null,null,null,null,null,"and telephone number, and gift amount, for each gift to borrower?"]
[null,null,"2.",null,null,"Does the file contain documentation verifying each donor's ability to provide the "]
[null,null,null,null,null,"gift funds?"]
[null,null,"3.",null,null,"Does the file contain paper trail evidence of the transfer of gift funds from donors to"]
[null,null,null,null,null,"borrowers with one of the following: a copy of donor's check and the borrower's "]
[null,null,null,null,null,"deposit slip -or- a copy of the donor's withdrawal slip and the borrower's deposit slip"]
[null,null,null,null,null,"-or- a copy of the donor's check to the closing agent -or- copy of wire transfer"]
[null,null,null,null,null,"confirmation from to reflect funds wire transferred from donor's account to borrower's"]
[null,null,null,null,null,"account or directly to escrow/title company?"]
[null,null,null,null,null,"Note: When the funds are not transferred prior to settlement, the underwriter may"]
[null,null,null,null,null,"condition for donor to provide funds direclty to closing agent with certified check,"]
[null,null,null,null,null,"cashier's check, or wire transfer for the amount of gift."]
[]
[]
[null,null,"NON-LIQUID FUNDS"]
[null,null,"ACCT TYPE",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"ò",null,"INSTITUTION NAME",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"DATE",null,null,null,null,null,null,null,null,null,"BALANCE",null,null,null,null,null,null,null,null,null,null,null,null,"%",null,null,null,null,null,"AVAILABLE"]
[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,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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BW113>0.01,60%,\"\")","v":""},null,null,null,null,null,{"$f":"AssetData!C153","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BW114>0.01,60%,\"\")","v":""},null,null,null,null,null,{"$f":"AssetData!C154","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BW115>0.01,60%,\"\")","v":""},null,null,null,null,null,{"$f":"AssetData!C155","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BW116>0.01,60%,\"\")","v":""},null,null,null,null,null,{"$f":"AssetData!C156","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(BW117>0.01,60%,\"\")","v":""},null,null,null,null,null,{"$f":"AssetData!C157","v":0}]
[null,null," TOTAL NON-LIQUID FUNDS",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(CP113:DB117)","v":0}]
[]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility"]
[null,null,"for the accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet."]
[null,null,"It is the responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any"]
[null,null,"documentation used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"AssetData","index":51,"n_rows":175,"n_cols":7,"rows_kept":175,"cut":false,"hidden":true,"merged":[[149,0,149,4],[159,0,159,4],[0,0,0,4],[66,0,66,4],[96,0,96,4],[98,3,103,3],[118,0,118,4],[120,3,123,3]]}
["ACCOUNT TYPES (selections for drop down lists)"]
[]
["Loan Type","~ Select ~"]
[null,"Conventional"]
[null,"FHA"]
[null,"USDA"]
[null,"VA"]
[null,"Jumbo"]
[]
["Transaction","~ Select ~"]
[null,"Purchase"]
[null,"Refinance"]
[]
["Occupany","~ Select ~"]
[null,"Primary Residence"]
[null,"Second Home"]
[null,"Investment Property"]
[]
["Subordinate Type","~ Select ~"]
[null,"Bond Program"]
[null,"DAP"]
[null,"Employer"]
[null,"Financial Institution"]
[null,"Government Agency"]
[null,"Non-Profit Organization"]
[null,"Private Party"]
[null,"Relative"]
[]
["EMD"]
[null," CASH"]
[null," CASHIER'S CK"]
[null," CK - PERSONAL"]
[null," CK - BUSINESS"]
[null," GIFT"]
[null," MONEY ORDER"]
[null," SV - PERSONAL"]
[null," SV - BUSINESS"]
[null," WIRE TRANSFER"]
[null," OTHER"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
["Non-Liquid"]
[null," 401(k)"]
[null," INVESTMENT"]
[null," IRA"]
[null," MUTUAL FUND"]
[null," RETIREMENT"]
[null," STOCKS/BONDS"]
[null," OTHER"]
[]
["Gift Funds Source"]
[null," CHECK"]
[null," DEPOSIT AT TITLE CO"]
[null," MONEY ORDER"]
[null," WIRE TO BORR ACCT"]
[null," WIRE TO TITLE CO"]
[null," OTHER"]
[]
["DATA AND CALCULATIONS"]
[]
["Loan Type",{"$f":"Assets!P9","v":"~ Select ~"}]
["Transaction Type",{"$f":"Assets!AY9","v":"~ Select ~"}]
["Occupancy",{"$f":"Assets!CH9","v":"~ Select ~"}]
[]
["Purchase Price",{"$f":"Assets!CK11","v":0}]
["Appraised Value",{"$f":"Assets!CK12","v":0}]
["Base Loan",{"$f":"Assets!CK13","v":0}]
["Min Req'd Investment",{"$f":"IF(B70=\"Purchase\",B73-(B75+B78+B79),0)","v":0}]
[]
["Subordinate Amount 1",{"$f":"Assets!CK17","v":0}]
["Subordinate Amount 2",{"$f":"Assets!CK18","v":0}]
["Subordinate Total",{"$f":"SUM(B78:B79)","v":0}]
[]
["Incomplete Form",{"$f":"IF(AND(B70=\"Purchase\",OR(B73=0,B73=\"\",B74=0,B74=\"\")),\"YES\",IF(AND(B70=\"Refinance\",OR(B74=0,B74=\"\")),\"YES\",  \"OK\"))","v":"OK"}]
[]
["LTV",{"$f":"IF(INCOMPLETE=\"YES\",0,IF(B70=\"Purchase\",B75/MIN(B73,B74),IF(B70=\"Refinance\",B75/B74,0)))","v":0},{"$f":"LTV/100","v":0}]
["CLTV",{"$f":"IF(INCOMPLETE=\"YES\",\"\",IF(B70=\"Purchase\",(B75+B80)/MIN(B73,B74),IF(B70=\"Refinance\",(B75+B80)/B74,0)))","v":0}]
[]
["LTV/CLTV Message",{"$f":"CONCATENATE(\"(LTV = \",TEXT(B84,\"###.000%\"),\" / CLTV = \",TEXT(CLTV,\"###.000%\"),\")\")","v":"(LTV = .000% / CLTV = .000%)"}]
[]
["Total Qual Income",{"$f":"Assets!CK22","v":0}]
[]
["Message Large Deps",{"$f":"IF(B69=\"~ Select ~\",\"(large deposit is $TBD)\",IF(B69=\"Conventional\",CONCATENATE(\"(large deposit is \",DOLLAR(B89*50%,0),\")\"),IF(AND(B69<>\"~ Select ~\",B69<>\"Conventional\"),CONCATENATE(\"(large deposit is \",DOLLAR(B73*2%,0),\")\"),0)))","v":"(large deposit is $TBD)"}]
[null,"Fully executed letter of explanation and paper trail documentation of acceptable"]
[null,{"$f":"IF(B69=\"~ Select ~\",\"source, has been provided on each deposit in excess of $TBD\",IF(B69=\"Conventional\",CONCATENATE(\"source, has been provided on each deposit in excess of \",DOLLAR(B89*50%,0),\".\"),IF(AND(B69<>\"~ Select ~\",B69<>\"Conventional\"),CONCATENATE(\"source, has been provided on each deposit in excess of \",DOLLAR(B73*2%,0),\".\"),0)))","v":"source, has been provided on each deposit in excess of $TBD"}]
[null,{"$f":"IF(B69=\"~ Select ~\",\"Was any deposit in excess of $TBD backed out? If so, underwriter certifies\",IF(B69=\"Conventional\",CONCATENATE(\"Was any deposit in excess of \",DOLLAR(B89*50%,0),\" backed out? If so, underwriter certifies\"),IF(AND(B69<>\"~ Select ~\",B69<>\"Conventional\"),CONCATENATE(\"Was any deposit in excess of \",DOLLAR(B73*2%,0),\" backed out? If so, underwriter certifies\"),0)))","v":"Was any deposit in excess of $TBD backed out? If so, underwriter certifies"}]
[]
[]
["LIQUID FUNDS - PERSONAL ACCOUNTS"]
[]
["Liquid - Personal",null,null,"Drop down selection list"]
[null," CHECKING"]
[null," CERT OF DEP"]
[null," MONEY MARKET"]
[null," SAVINGS"]
[null," OTHER"]
[]
[]
["Liquid Assets %","%","Calc Amount"]
[" LQ Line 1",{"$f":"Assets!CJ44","v":""},{"$f":" IF(AssetData!B108=\"\",0,Assets!BW44*AssetData!B108)","v":0}]
[" LQ Line 2",{"$f":"Assets!CJ45","v":""},{"$f":" IF(AssetData!B109=\"\",0,Assets!BW45*AssetData!B109)","v":0}]
[" LQ Line 3",{"$f":"Assets!CJ46","v":""},{"$f":" IF(AssetData!B110=\"\",0,Assets!BW46*AssetData!B110)","v":0}]
[" LQ Line 4",{"$f":"Assets!CJ47","v":""},{"$f":" IF(AssetData!B111=\"\",0,Assets!BW47*AssetData!B111)","v":0}]
[" LQ Line 5",{"$f":"Assets!CJ48","v":""},{"$f":" IF(AssetData!B112=\"\",0,Assets!BW48*AssetData!B112)","v":0}]
[" LQ Line 6",{"$f":"Assets!CJ49","v":""},{"$f":" IF(AssetData!B113=\"\",0,Assets!BW49*AssetData!B113)","v":0}]
[" LQ Line 7",{"$f":"Assets!CJ50","v":""},{"$f":" IF(AssetData!B114=\"\",0,Assets!BW50*AssetData!B114)","v":0}]
[]
[]
[]
[]
["LIQUID FUNDS - BUSINESS ACCOUNTS"]
[]
["Liquid - Business",null,null,"Drop down selection list"]
[null," CHECKING"]
[null," SAVINGS"]
[null," OTHER"]
[]
[" Liquid Funds from Business Accounts",null,null,"Amount"]
[" Liquid Funds - Business Line 1",null,null,{"$f":"Assets!BW62","v":0}]
[" Liquid Funds - Business Line 2",null,null,{"$f":"Assets!BW63","v":0}]
[" Liquid Funds - Business Line 3",null,null,{"$f":"Assets!BW64","v":0}]
[" Liquid Funds - Business Line 4",null,null,{"$f":"Assets!BW65","v":0}]
[" Total",null,null,{"$f":"SUM(D127:D130)","v":0}]
[]
[" Total Bus Exp for the Most Recent Tax Year",null,null,{"$f":"Assets!CK69","v":0}]
[" Add Back Depreciation / Depletion",null,null,{"$f":"Assets!CK70","v":0}]
[" Business Expenses Monthly Average",null,null,{"$f":"(D133-D134)/12","v":0}]
[]
[" Total Deposits for the period beginning date",null,null,{"$f":"Assets!AQ74","v":"00:00:00"},null,{"$f":"+D139/6","v":0}]
[" Total Deposits for the period ending date",null,null,{"$f":"Assets!BP74","v":"00:00:00"},null,{"$f":"+D139/D140","v":{"$error":"#DIV/0!"}}]
[" Total Deposits Amount for the period ",null,null,{"$f":"Assets!CK74","v":0}]
[" Total Months (calculated)",null,null,{"$f":"ROUNDUP(((D138-D137)/365)*12,0)","v":0},{"$f":"D138-D137","v":0},{"$f":"E140/365","v":0},{"$f":"ROUNDUP(F140*12,0)","v":0}]
[" Monthly average deposit",null,null,{"$f":"IF(OR(D137=\"\",D138=\"\",D139=0),0,D139/D140)","v":0}]
[" Residual Assets",null,null,{"$f":"D141-D135","v":0}]
[]
[" Balance of All Business Accounts",null,null,{"$f":"D131","v":0}]
[" Business Expenses Monthly Average",null,null,{"$f":"D135","v":0}]
[" Business Funds Available for Closing",null,null,{"$f":"D144-D145","v":0}]
[" Actual Amt of Bus Funds to be Used for Closing",null,null,{"$f":"Assets!CK83","v":0}]
[" Number of Mos Remaining for Monthly Avg Bus Exp",null,null,{"$f":"IF(AND(D135=0,D144=0),0,((D146-D147)/D135)+1)","v":0}]
[]
["NON-LIQUID FUNDS"]
[]
[" Non-Liquid Assets %","%","Calc Amount"]
[" NLQ Line 1",{"$f":"Assets!CJ113","v":""},{"$f":"IF(B153=\"\",0,Assets!BW113*B153)","v":0}]
[" NLQ Line 2",{"$f":"Assets!CJ114","v":""},{"$f":"IF(B154=\"\",0,Assets!BW114*B154)","v":0}]
[" NLQ Line 3",{"$f":"Assets!CJ115","v":""},{"$f":"IF(B155=\"\",0,Assets!BW115*B155)","v":0}]
[" NLQ Line 4",{"$f":"Assets!CJ116","v":""},{"$f":"IF(B156=\"\",0,Assets!BW116*B156)","v":0}]
[" NLQ Line 5",{"$f":"Assets!CJ117","v":""},{"$f":"IF(B157=\"\",0,Assets!BW117*B157)","v":0}]
[]
[]
["RESERVES"]
[]
["Total Liquid Funds - Personal",null,{"$f":"Assets!CP51","v":0}]
["Total Liquid Funds - Business",null,{"$f":"Assets!CP66","v":0}]
["Total Gift Funds",null,{"$f":"Assets!CP92","v":0}]
["Total Non-Liquid Funds",null,{"$f":"Assets!CP118","v":0}]
["Total All Funds",null,{"$f":"SUM(C162:C165)","v":0}]
["Total Funds Required to Close",null,{"$f":"Assets!CK30","v":0}]
["Include business funds in reserves",null,false]
["Total Reserves",null,{"$f":"IF(C168=TRUE,C166-C167,(C162+C164+C165)-C167)","v":0}]
[]
["Total PITI",null,{"$f":"Assets!CK20","v":0}]
[]
["Total Months Reserves",null,{"$f":"IF(C171=0,0,ROUNDDOWN(C169/C171,0))","v":0}]
[]
["Total Months Reserves Message",null,{"$f":"CONCATENATE(\"Total Reserves  (\",C173,\" months reserves for subject property):\")","v":"Total Reserves  (0 months reserves for subject property):"}]

{"sheet":"Purchase","index":52,"n_rows":73,"n_cols":48,"rows_kept":73,"cut":false,"hidden":true,"merged":[[73,1,73,56],[75,1,77,56],[67,2,67,55],[68,1,68,56],[69,1,69,56],[70,1,70,56],[71,1,71,56],[72,1,72,56],[64,2,64,55],[65,2,65,55],[66,2,66,8],[66,9,66,14],[66,16,66,25],[66,26,66,29],[66,31,66,39],[66,40,66,45],[66,47,66,55],[61,2,61,46],[61,47,61,55],[62,2,62,18],[62,44,62,46],[62,47,62,55],[63,2,63,46],[63,47,63,55],[56,2,56,46],[56,47,56,55],[57,2,57,55],[58,2,58,55],[59,2,59,55],[60,2,60,46],[60,47,60,55],[52,2,52,55],[53,2,53,55],[54,2,54,46],[54,47,54,55],[55,2,55,46],[55,47,55,55],[49,2,49,46],[49,47,49,55],[50,2,50,46],[50,47,50,55],[51,2,51,46],[51,47,51,55],[47,2,47,46],[47,47,47,55],[48,2,48,10],[48,11,48,16],[48,17,48,26],[48,27,48,32],[48,33,48,36],[48,37,48,42],[48,43,48,46],[48,47,48,55],[43,2,43,46],[43,47,44,55],[44,2,44,46],[45,2,45,46],[45,47,45,55],[46,2,46,46],[46,47,46,55],[40,2,40,46],[40,47,40,55],[41,2,41,46],[41,47,41,55],[42,2,42,46],[42,47,42,55],[37,2,37,46],[37,47,37,55],[38,2,38,46],[38,47,38,55],[39,2,39,46],[39,47,39,55],[34,2,34,46],[34,47,34,55],[35,2,35,46],[35,47,35,55],[36,2,36,46],[36,47,36,55],[31,2,31,46],[31,47,31,55],[32,2,32,46],[32,47,32,55],[33,2,33,46],[33,47,33,55],[28,2,28,46],[28,47,28,55],[29,2,29,46],[29,47,29,55],[30,2,30,46],[30,47,30,55],[25,2,25,46],[25,47,25,55],[26,2,26,46],[26,47,26,55],[27,2,27,46],[27,47,27,55],[22,2,22,46],[22,47,22,55],[23,2,23,46],[23,47,23,55],[24,2,24,46],[24,47,24,55],[18,2,18,46],[18,47,18,55],[19,2,19,46],[19,47,19,55],[20,2,20,55],[21,2,21,55],[12,2,12,55],[13,2,13,55],[15,2,15,55],[16,2,16,55],[17,2,17,46],[17,47,17,55],[8,2,8,55],[9,2,9,55],[10,2,10,55],[11,2,11,8],[11,9,11,19],[11,20,11,27],[11,28,11,44],[11,45,11,46],[11,47,11,55],[4,2,4,55],[5,2,5,55],[6,2,6,55],[7,2,7,11],[7,12,7,25],[7,26,7,29],[7,30,7,46],[7,47,7,55],[0,1,0,56],[1,1,1,56],[2,2,2,55],[3,2,3,10],[3,11,3,33],[3,34,3,36],[3,37,3,44],[3,45,3,55]]}
[]
[null,"FHA Maximum Mortgage Calculation Worksheet\nPurchase"]
[]
[null,null,"Borrower Name",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,null,null,null,null,null,null,"Loan Number",null,null,null,null,null,null,null,""]
[]
[null,null,"Case Number Assignment"]
[]
[null,null,"FHA Case Number",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,"Assignment Date (mm/dd/yyyy)"]
[]
[null,null,"County Limit"]
[]
[null,null,"County Limit",null,null,null,null,null,null,"(FHA mortgage limits)",null,null,null,null,null,null,null,null,null,null," County Name:",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,331760]
[]
[]
[null,null,null,null," Regular FHA (96.5% LTV)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," Repair Escrow",null,null,null,null,null,null,null,null,null," EEM",null,null,null,null," $100 DP Incentive",null,null,null,null,null,null,null,null,null,null,null," GNND Program"]
[]
[]
[null,null,"Sales Price",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Appraised Value",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Required Adjustments (inducements to purchase plus excess contributions)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[]
[]
[null,null,"HUD Energy Efficient Mortgage Program Adjustments"]
[null,null,"Cost of Improvements that exceed 2000 IECC (new construction only)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Installed Cost of Energy Improvements (existing construction)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Expected Energy Savings over useful life of improvements per HERS report",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Cost of HERS, audit and/or Inspection reports (copy of receipts required)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Max amount of Energy Eff. Improvement cost (FHA Connection EEM calculator)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Solar system cost allowance (see HUD Handbook 4000.1, Section II.8.m.iv)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Cost-Effective Energy Package",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D109","v":0}]
[]
[null,null,"HUD REO Escrow Repair Amount"]
[null,null,"Repair Escrow as reflected on HUD Sales Contract Line 4",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,"HUD Good Neighbor Next Door Program Adjustments"]
[null,null,"Less 50% Discount for GNND Program as reflected on HUD Sales Contract Line 8",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D133","v":0}]
[null,null,"HUD-Paid Sales Commission (HUD-9548 REO Sales Contract Line 6a)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"HUD-Paid Closing Costs (HUD-9548 REO Sales Contract Line 5)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Total all allowable closing costs, prepaids and per diem interest",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Borrower paid allowable closing costs, prepaids and per diem interest",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D138","v":0}]
[]
[null,null,"3-4 Unit Properties"]
[null,null,"Total Market Rents per month, for ALL units, as reflected on Operating Income Statement.",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null," A)  Appraiser's estimate for vacancies and maintenance (Operating Income Statement,",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"      page 1, \"Vacancy/Rent Loss\" plus \"Total Operating Expenses\")"]
[null,null," B)  25% of the fair market rent (vacancy factor)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D157","v":0}]
[null,null,"Actual Rental Income to be used in determining self-sufficiency",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D158","v":0}]
[null,null,"Subject Property proposed Principal, Interest and Mortgage Insurance payment",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D159","v":0}]
[null,null,"Property Taxes:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Hazard Insurance:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HOA:",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D160","v":0}]
[null,null,"Total Subject Property Proposed PITIA payment:",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D163","v":0}]
[null,null,{"$f":"Data_FHA!A164","v":"Actual Net Rental Income / Rental Loss to be determined"},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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D164","v":0}]
[null,null,"HUD's Self-Sufficiency Test results on subject property?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D165","v":"TBD"}]
[]
[]
[null,null,"Minimum required borrower contribution",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D14","v":0}]
[null,null,"Additional borrower contributions for lower loan amount requested",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Grand total borrower contributions",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AV55+AV56","v":0}]
[]
[null,null,"Calculated Maximum Loan Amount"]
[]
[null,null,{"$f":"Data_FHA!D24","v":"Base Loan Amount (maximum mortgage before UFMIP)"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D28","v":0}]
[null,null,"UFMIP Factor",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D29","v":0}]
[null,null,"UFMIP Amount",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D30","v":0}]
[null,null,"Total Loan Amount",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D32","v":0}]
[]
[]
[null,null,"Interest Rate",null,null,null,null,null,null,null,null,null,null,null,null,null,"Loan Term (months)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"FHA Annual MIP",null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D40","v":""},null,null,null,null,null,null,{"$f":"Data_FHA!D41","v":""}]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility"]
[null,"for the accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet."]
[null,"It is the responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any"]
[null,"documentation used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"R&T Refinance","index":53,"n_rows":74,"n_cols":48,"rows_kept":74,"cut":false,"hidden":true,"merged":[[74,1,74,56],[76,1,78,56],[68,2,68,55],[69,1,69,56],[70,1,70,56],[71,1,71,56],[72,1,72,56],[73,1,73,56],[65,2,65,55],[66,2,66,55],[67,2,67,8],[67,9,67,14],[67,16,67,25],[67,26,67,29],[67,31,67,39],[67,40,67,45],[67,47,67,55],[62,2,62,46],[62,47,62,55],[63,2,63,18],[63,44,63,46],[63,47,63,55],[64,2,64,46],[64,47,64,55],[57,2,57,46],[57,47,57,55],[58,2,58,55],[59,2,59,55],[60,2,60,55],[61,2,61,46],[61,47,61,55],[53,2,53,46],[53,47,53,55],[54,2,54,46],[54,47,54,55],[55,2,55,55],[56,2,56,55],[50,2,50,46],[50,47,50,55],[51,2,51,46],[51,47,51,55],[52,2,52,46],[52,47,52,55],[45,2,45,55],[46,2,46,55],[47,2,47,55],[48,2,48,46],[48,47,48,55],[49,2,49,46],[49,47,49,55],[42,2,42,46],[42,47,42,55],[43,2,43,46],[43,47,43,55],[44,2,44,46],[44,47,44,55],[39,2,39,46],[39,47,39,55],[40,2,40,46],[40,47,40,55],[41,2,41,46],[41,47,41,55],[36,2,36,46],[36,47,36,55],[37,2,37,46],[37,47,37,55],[38,2,38,46],[38,47,38,55],[33,2,33,46],[33,47,33,55],[34,2,34,46],[34,47,34,55],[35,2,35,46],[35,47,35,55],[28,4,28,54],[29,2,29,55],[30,2,30,55],[31,2,31,55],[32,2,32,24],[32,25,32,30],[32,31,32,46],[32,47,32,55],[22,2,22,55],[23,2,23,55],[24,2,24,55],[25,2,25,55],[26,4,26,54],[27,4,27,54],[19,2,19,46],[19,47,19,55],[20,2,20,46],[20,47,20,55],[21,2,21,46],[21,47,21,55],[16,2,16,46],[16,47,16,55],[17,2,17,46],[17,47,17,55],[18,2,18,46],[18,47,18,55],[12,2,12,55],[13,2,13,55],[14,2,14,46],[14,47,14,55],[15,2,15,46],[15,47,15,55],[8,2,8,55],[9,2,9,55],[10,2,10,55],[11,2,11,8],[11,9,11,19],[11,20,11,27],[11,28,11,44],[11,45,11,46],[11,47,11,55],[4,2,4,55],[5,2,5,55],[6,2,6,55],[7,2,7,20],[7,21,7,32],[7,33,7,46],[7,47,7,55],[0,1,0,56],[1,1,1,56],[2,2,2,55],[3,2,3,10],[3,11,3,33],[3,34,3,36],[3,37,3,44],[3,45,3,55]]}
[]
[null,"FHA Maximum Mortgage Calculation Worksheet\nRate & Term Refinance"]
[]
[null,null,"Borrower Name",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,null,null,null,null,null,null,"Loan Number",null,null,null,null,null,null,null,""]
[]
[null,null,"Case Number Assignment"]
[]
[null,null,"New FHA Case Number (subject loan)",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,null,null,"Assignment Date  "]
[]
[null,null,"County Limit"]
[]
[null,null,"County Limit",null,null,null,null,null,null,"(FHA mortgage limits)",null,null,null,null,null,null,null,null,null,null," County Name:",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,331760]
[]
[null,null,{"$f":"Data_FHA!D188","v":"Adjusted Value"}]
[null,null,"Appraised Value",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,"Date of property acquisition"]
[null,null,"Date borrower began occupying property as primary residence"]
[null,null,"Original Purchase Price",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Documented Improvements made subsequent to the purchase",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Total Acquisition Cost (sales price plus documented repairs subsequent to the purchase)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D185","v":0}]
[null,null,"(acquisition date, occupancy date and original sales price are required to calculate loan amount)"]
[null,null,"Impound Account Options (chosen by borrower)"]
[null,null,"Borrower has chosen the following option regarding existing impound account:"]
[null,null,"(Disclosure must be in loan file, signed and dated by borrower, and reflect option selected by borrower)"]
[]
[null,null,null,null,"Deduct current impound account from principal balance. "]
[null,null,null,null,"The current impound account is to be refunded to the borrower by the servicer after closing."]
[]
[]
[null,null,"Sum of Existing Debt and Costs Associated With Loan"]
[]
[null,null,"Unpaid Principal Balance ONLY (interest from:",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,{"$f":"Data_FHA!D252","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"Data_FHA!D253","v":"Interest due for the previous month (due with current month's payment)."},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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Interest due through the date the mortgage is paid in full (projected funding date)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Annual MIP due as reflected on payoff (maximum 2 months Annual MIP allowed)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other allowable fees/charges included in payoff",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"Data_FHA!B268","v":"Current servicer to refund current impound account to borrower after closing"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Less MIP refund (enter as positive figure)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Repairs required by appraiser that have been completed and paid by borrower",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Equity to ex-spouse (supporting documentation provided)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"Data_FHA!A203","v":"Purchase money second mortgage to be paid off (no seasoning required)"},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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"Data_FHA!A204","v":"Other property-related liens (seasoned at least 1 year) to be paid off"},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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Borrower paid allowable closing costs, prepaids and per diem interest",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Reasonable discount points amount",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,"HUD Energy Efficient Mortgage Program Adjustments"]
[]
[null,null,"Cost of Improvements that exceed 2000 IECC (new construction only)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Installed Cost of Energy Improvements (existing construction)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Expected Energy Savings over useful life of improvements per HERS report",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Cost of HERS, audit and/or Inspection reports (copy of receipts required)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Max amount of Energy Eff. Improvement cost (FHA Connection EEM calculator)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Solar system cost allowance (see HUD Handbook 4000.1, Section II.8.m.iv)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Cost-Effective Energy Package",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D216","v":0}]
[]
[]
[null,null,"Less additional borrower contributions for lower loan amount requested",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,"Calculated Maximum Loan Amount"]
[]
[null,null,{"$f":"Data_FHA!D234","v":"Base Loan Amount cannot be calculated due to missing minimum required information"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D236","v":0}]
[null,null,"UFMIP Factor",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D237","v":1.7500000000000002E-2}]
[null,null,"UFMIP Amount",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D239","v":0}]
[null,null,"Total Loan Amount",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D240","v":0}]
[]
[]
[null,null,"Interest Rate",null,null,null,null,null,null,null,null,null,null,null,null,null,"Loan Term (months)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"FHA Annual MIP",null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D256","v":""},null,null,null,null,null,null,{"$f":"Data_FHA!D257","v":""}]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility"]
[null,"for the accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet."]
[null,"It is the responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any"]
[null,"documentation used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Cash-Out Refinance","index":54,"n_rows":43,"n_cols":48,"rows_kept":43,"cut":false,"hidden":true,"merged":[[42,1,42,56],[43,1,43,56],[45,1,47,56],[36,47,36,55],[37,2,37,55],[38,1,38,56],[39,1,39,56],[40,1,40,56],[41,1,41,56],[33,2,33,46],[33,47,33,55],[34,2,34,55],[35,2,35,55],[36,2,36,8],[36,9,36,14],[36,16,36,25],[36,26,36,29],[36,31,36,39],[36,40,36,45],[30,2,30,46],[30,47,30,55],[31,2,31,46],[31,47,31,55],[32,2,32,18],[32,44,32,46],[32,47,32,55],[29,2,29,55],[22,2,22,46],[22,47,22,55],[23,2,23,46],[23,47,23,55],[24,2,24,46],[24,47,24,55],[25,2,25,55],[26,2,26,46],[26,47,26,55],[27,2,27,55],[28,2,28,55],[19,2,19,46],[19,47,19,55],[20,2,20,46],[20,47,20,55],[21,2,21,46],[21,47,21,55],[12,2,12,55],[16,2,16,55],[17,2,17,46],[17,47,17,55],[18,2,18,46],[18,47,18,55],[8,2,8,55],[9,2,9,55],[10,2,10,55],[11,2,11,8],[11,9,11,19],[11,20,11,27],[11,28,11,44],[11,45,11,46],[11,47,11,55],[4,2,4,55],[5,2,5,55],[6,2,6,55],[7,2,7,20],[7,21,7,32],[7,33,7,36],[7,37,7,46],[7,47,7,55],[0,1,0,56],[1,1,1,56],[2,2,2,55],[3,2,3,10],[3,11,3,33],[3,34,3,36],[3,37,3,44],[3,45,3,55]]}
[]
[null,"FHA Maximum Mortgage Calculation Worksheet\nCash-Out Refinance\n(Case Number assigned On or After 9/1/2019)"]
[]
[null,null,"Borrower Name",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,null,null,null,null,null,null,"Loan Number",null,null,null,null,null,null,null,""]
[]
[null,null,{"$f":"+Data_FHA!D305","v":"Case Number Assignment"}]
[]
[null,null,"New FHA Case Number (subject loan)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Assignment Date"]
[]
[null,null,"County Limit"]
[]
[null,null,"County Limit",null,null,null,null,null,null,"(FHA mortgage limits)",null,null,null,null,null,null,null,null,null,null," County Name:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"/",null,331760]
[]
[]
[]
[]
[null,null,{"$f":"Data_FHA!D188","v":"Adjusted Value"}]
[null,null,"Appraised Value",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,"Date of property acquisition"]
[null,null,"Date borrower began occupying property as primary residence"]
[null,null,"Original Purchase Price",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Documented Improvements made subsequent to the purchase",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Total Acquisition Cost (sales price plus documented repairs subsequent to the purchase)"]
[null,null,"(acquisition date, occupancy date and original sales price are required to calculate loan amount)"]
[]
[null,null,"Less additional borrower contributions for lower loan amount requested",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,"Calculated Maximum Loan Amount"]
[null,null,{"$f":"+Data_FHA!D316","v":""}]
[null,null,{"$f":"Data_FHA!D317","v":""},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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D319","v":0}]
[null,null,"UFMIP Factor",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D320","v":1.7500000000000002E-2}]
[null,null,"UFMIP Amount",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D322","v":0}]
[null,null,"Total Loan Amount",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D323","v":0}]
[]
[]
[null,null,"Interest Rate",null,null,null,null,null,null,null,null,null,null,null,null,null,"Loan Term (months)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"FHA Annual MIP",null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D333","v":""},null,null,null,null,null,null,{"$f":"Data_FHA!D334","v":""}]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility"]
[null,"for the accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet."]
[null,"It is the responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any"]
[null,"documentation used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Cash-Out Refinance Old","index":55,"n_rows":43,"n_cols":48,"rows_kept":43,"cut":false,"hidden":true,"merged":[[42,1,42,56],[43,1,43,56],[45,1,47,56],[36,47,36,55],[37,2,37,55],[38,1,38,56],[39,1,39,56],[40,1,40,56],[41,1,41,56],[33,2,33,46],[33,47,33,55],[34,2,34,55],[35,2,35,55],[36,2,36,8],[36,9,36,14],[36,16,36,25],[36,26,36,29],[36,31,36,39],[36,40,36,45],[30,2,30,46],[30,47,30,55],[31,2,31,46],[31,47,31,55],[32,2,32,18],[32,44,32,46],[32,47,32,55],[29,2,29,55],[22,2,22,46],[22,47,22,55],[23,2,23,46],[23,47,23,55],[24,2,24,46],[24,47,24,55],[25,2,25,55],[26,2,26,46],[26,47,26,55],[27,2,27,55],[28,2,28,55],[19,2,19,46],[19,47,19,55],[20,2,20,46],[20,47,20,55],[21,2,21,46],[21,47,21,55],[12,2,12,55],[16,2,16,55],[17,2,17,46],[17,47,17,55],[18,2,18,46],[18,47,18,55],[8,2,8,55],[9,2,9,55],[10,2,10,55],[11,2,11,8],[11,9,11,19],[11,20,11,27],[11,28,11,44],[11,45,11,46],[11,47,11,55],[4,2,4,55],[5,2,5,55],[6,2,6,55],[7,2,7,20],[7,21,7,32],[7,33,7,36],[7,37,7,46],[7,47,7,55],[0,1,0,56],[1,1,1,56],[2,2,2,55],[3,2,3,10],[3,11,3,33],[3,34,3,36],[3,37,3,44],[3,45,3,55]]}
[]
[null,"FHA Maximum Mortgage Calculation Worksheet\nCash-Out Refinance \n(Case number assigned prior to 9/1/2019)"]
[]
[null,null,"Borrower Name",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,null,null,null,null,null,null,"Loan Number",null,null,null,null,null,null,null,""]
[]
[null,null,{"$f":"+Data_FHA!E305","v":"Case Number Assignment"}]
[]
[null,null,"New FHA Case Number (subject loan)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Assignment Date"]
[]
[null,null,"County Limit"]
[]
[null,null,"County Limit",null,null,null,null,null,null,"(FHA mortgage limits)",null,null,null,null,null,null,null,null,null,null," County Name:",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"/",null,275665]
[]
[]
[]
[]
[null,null,{"$f":"Data_FHA!D188","v":"Adjusted Value"}]
[null,null,"Appraised Value",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,"Date of property acquisition"]
[null,null,"Date borrower began occupying property as primary residence"]
[null,null,"Original Purchase Price",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Documented Improvements made subsequent to the purchase",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Total Acquisition Cost (sales price plus documented repairs subsequent to the purchase)"]
[null,null,"(acquisition date, occupancy date and original sales price are required to calculate loan amount)"]
[]
[null,null,"Less additional borrower contributions for lower loan amount requested",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,"Calculated Maximum Loan Amount"]
[null,null,{"$f":"+Data_FHA!F316","v":""}]
[null,null,{"$f":"Data_FHA!F317","v":""},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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!F319","v":0}]
[null,null,"UFMIP Factor",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!F320","v":1.7500000000000002E-2}]
[null,null,"UFMIP Amount",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!F322","v":0}]
[null,null,"Total Loan Amount",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!F323","v":0}]
[]
[]
[null,null,"Interest Rate",null,null,null,null,null,null,null,null,null,null,null,null,null,"Loan Term (months)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"FHA Annual MIP",null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D333","v":""},null,null,null,null,null,null,{"$f":"Data_FHA!D334","v":""}]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility"]
[null,"for the accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet."]
[null,"It is the responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any"]
[null,"documentation used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Data_FHA","index":56,"n_rows":701,"n_cols":41,"rows_kept":701,"cut":false,"hidden":true,"merged":[[653,0,653,6],[659,0,659,6],[686,0,686,6],[565,0,565,6],[577,0,577,6],[592,0,592,6],[612,0,612,6],[614,0,617,0],[646,0,646,6],[507,0,507,6],[168,0,168,6],[258,0,258,6],[270,0,270,6],[283,0,283,6],[303,0,303,6],[336,0,336,6],[351,0,351,6],[371,0,371,6],[460,0,460,6],[472,0,472,6],[487,0,487,6],[159,3,161,3],[0,0,0,6],[11,0,11,6],[21,0,21,6],[46,0,46,6],[59,0,59,6],[79,0,79,6],[85,0,85,6],[95,0,95,6],[112,0,112,6],[126,0,126,6],[151,0,151,6]]}
["PURCHASE  --  BASIC DATA"]
[]
[" Case Number Assignment Date",null,null,{"$f":"Purchase!AV8","v":0}]
[]
[" County Limit",null,null,{"$f":"Purchase!AV12","v":331760}]
[]
[" Sales Price",null,null,{"$f":"Purchase!AV18","v":0}]
[" Appraised Value",null,null,{"$f":"Purchase!AV19","v":0}]
[" Lesser of Sales Price / Value",null,null,{"$f":" MIN(D7:D8)","v":0}]
[" Required Adjustments",null,null,{"$f":"Purchase!AV20","v":0}]
[]
["PURCHASE  --  PROPOSED INITIAL BASE LOAN AMOUNT"]
[]
[" Minimum required borrower contributions",null,null,{"$f":"IF((SALESPRICE*96.5%)>COUNTYLIMIT,SALESPRICE-COUNTYLIMIT,IF(AND((SALESPRICE*96.5%)<=COUNTYLIMIT,SALESPRICE>SALESVALUE),SALESPRICE-SALESVALUE,0))","v":0},"  \\  Difference between county limit, sales price and appraised value"]
[]
[" Proposed Base Loan Amount",null,null,{"$f":"IF(((MINPRICEVALUE-D10)*96.5%)>COUNTYLIMIT,COUNTYLIMIT,((MINPRICEVALUE-D10)*96.5%))","v":0},"  \\  Proposed base loan amount based on minimum required borrower contributions"]
[]
[" Additional borrower contributions for lower loan amount requested",null,null,{"$f":"Purchase!$AV$56","v":0},"  \\  Additional borrower contribution amount entered in Purchase worksheet"]
[]
[" Initial Base Loan Amount",null,null,{"$f":"IF(D18>0,D16-D18,D16)","v":0},"  \\  Lower of Purchase Price * 96.5% --OR-- Appraised Value * 96.5% --OR-- County Limit"]
[]
["PURCHASE  DATA BASED ON PROGRAM TYPE SELECTED"]
[]
[" Base Loan Amount message",null,null,{"$f":"IF(D26=0,\"Base Loan Amount (maximum mortgage before UFMIP)\",CONCATENATE(\"Base Loan Amount at \",ROUND(D26*100,2),\"% (maximum mortgage before UFMIP)\"))","v":"Base Loan Amount (maximum mortgage before UFMIP)"}]
[]
[" LTV",null,null,{"$f":"IF(D9=0,0,D28/D9)","v":0},"  \\  LTV calculated"]
[]
[" Final Base Loan Amount (maximum mortgage before UFMIP)",null,null,{"$f":"IF(D129=TRUE,D149,IF(D115=TRUE,D125,IF(D98=TRUE,D111,IF(D88=TRUE,D94,IF(D82=TRUE,D84,0)))))","v":0}]
[" UFMIP Factor",null,null,{"$f":"IF(D28=0,0,1.75%)","v":0}]
[" UFMIP Amount",null,null,{"$f":"D28*D29","v":0}]
[" UFMIP Amount Financed",null,1,{"$f":"IF(C31=1,D30,0)","v":0}]
[" Total Loan Amount",null,null,{"$f":"ROUNDDOWN(D28+D31,0)","v":0}]
[]
[" Interest Rate",null,null,{"$f":"Purchase!J67","v":0},"  \\  Interest rate as entered by user"]
[]
[" Loan Term",null,null,{"$f":"Purchase!AA67","v":0},"  \\  Loan term as entered by user"]
[]
[" Principal & Interest Payment",null,null,{"$f":"IF(OR(D32=0,D34=0,D36=0),0,ABS(PMT(D34/12,D36,D32)))","v":0},"  \\  Principal and interest payment calculated"]
[]
[" FHA Annual MIP Percentage",null,null,{"$f":"IF(OR(D32=0,D34=0,D36=0),\"\",VLOOKUP(TRUE,F49:G57,2,FALSE))","v":""},"  \\  Annual MIP factor calculated"]
[" FHA Annual MIP Amount",null,null,{"$f":"IF(OR(D32=0,D34=0,D36=0),\"\",F78)","v":""},"  \\  Annual MIP amount calculated"]
[]
[" Monthly Property Taxes",null,null,{"$f":"Purchase!L49","v":0}]
[" Monthly Hazard Insurance",null,null,{"$f":"Purchase!AB49","v":0}]
[]
[]
["CHART FOR ANNUAL MIP WITH LOAN TERMS FROM 181 TO 360"]
["Term","Base\nLoan Amount (greater than)","LTV\n(greater than)","LTV\n(less than/equal to)","Endorsed\nPre 06/01/2009","Final","AMIPFactor"]
[" 30 year Fixed",0,0,0.95,null,{"$f":"IF(AND($D$28<=625000,$D$36>180,$D$26<=95%),TRUE,FALSE)","v":false},8.0000000000000002E-3]
[" 30 year Fixed",0,0.95,1,null,{"$f":"IF(AND($D$28<=625000,$D$36>180,$D$26>95%),TRUE,FALSE)","v":false},8.5000000000000006E-3]
[" 30 year Fixed",625500,0,0.95,null,{"$f":"IF(AND($D$28>625000,$D$36>180,$D$26<=95%),TRUE,FALSE)","v":false},0.01]
[" 30 year Fixed",625500,0.95,1,null,{"$f":"IF(AND($D$28>625000,$D$36>180,$D$26>95%),TRUE,FALSE)","v":false},1.0500000000000001E-2]
[" 15 year Fixed",0,0,0.9,null,{"$f":"IF(AND($D$28<=625000,$D$36<181,$D$26<=90%),TRUE,FALSE)","v":true},4.4999999999999997E-3]
[" 15 year Fixed",0,0.9,1,null,{"$f":"IF(AND($D$28<=625000,$D$36<181,$D$26>90%),TRUE,FALSE)","v":false},7.0000000000000001E-3]
[" 15 year Fixed",625500,0,0.78,null,{"$f":"IF(AND($D$28>625000,$D$36<181,$D$26<=78%),TRUE,FALSE)","v":false},4.4999999999999997E-3]
[" 15 year Fixed",625500,0.78,0.9,null,{"$f":"IF(AND($D$28>625000,$D$36<181,$D$26>78%,$D$26<=90%),TRUE,FALSE)","v":false},7.0000000000000001E-3]
[" 15 year Fixed",625500,0.9,1,null,{"$f":"IF(AND($D$28>625000,$D$36<181,$D$26>90%),TRUE,FALSE)","v":false},9.4999999999999998E-3]
[]
[]
["ANNUAL MIP CALCULATIONS  —  PURCHASE"]
[null,"Previous Balance","Prev Bal X Rate","Previous div by 12","Prev plus prev bal","Prev less P&I"]
[" Month #1",null,null,null,null,{"$f":"D32","v":0}]
[" Month #2",{"$f":"F62","v":0},{"$f":"B63*$D$34","v":0},{"$f":"C63/12","v":0},{"$f":"B63+D63","v":0},{"$f":"E63-$D$38","v":0}]
[" Month #3",{"$f":"F63","v":0},{"$f":"B64*$D$34","v":0},{"$f":"C64/12","v":0},{"$f":"B64+D64","v":0},0]
[" Month #4",{"$f":"F64","v":0},0,{"$f":"C65/12","v":0},{"$f":"B65+D65","v":0},0]
[" Month #5",0,0,0,0,0]
[" Month #6",0,0,0,0,0]
[" Month #7",0,0,0,0,0]
[" Month #8",0,0,0,0,0]
[" Month #9",0,0,0,0,0]
[" Month #10",0,0,0,0,0]
[" Month #11",0,0,0,0,0]
[" Month #12",0,0,0,0,0]
[" Total all balances from twelve months",null,null,null,null,{"$f":"SUM(F62:F73)","v":0}]
[" Divide by 12 to attain average outstanding balance",null,null,null,null,{"$f":"F74/12","v":0}]
[" Previous results X Annual MIP Factor",null,null,null,null,{"$f":"IF(F75=0,0,F75*D40)","v":0}]
[" Annual MIP (previous results divided by (1 divided by UFMIP in decimal form, ie 0.0175)",null,null,null,null,{"$f":"IF(C31=2,F76/1,F76/(1+D29))","v":0}]
[" ANNUAL MIP (previous results divided by 12 months)",null,null,null,null,{"$f":"IF(C31=2,F76/12,F77/12)","v":0}]
[]
["PURCHASE  --  REGULAR"]
[]
[" Purchase - Regular (96.5% LTV)",null,null,true,"  \\  If check box for Regular FHA at 96.5% LTV program is selected, then TRUE"]
[]
[" Initial Base Loan Amount",null,null,{"$f":"$D$20","v":0}]
[]
["PURCHASE  --  HUD REO REPAIR ESCROW"]
[]
[" Purchase - HUD REO Repair Escrow",null,null,false,"  \\  If check box for Repair Escrow program is selected, then TRUE"]
[]
[" Initial Base Loan Amount",null,null,{"$f":"$D$20","v":0},"  \\  Lower of Purchase Price * 96.5% --OR-- Appraised Value * 96.5% --OR-- County Limit"]
[]
[" HUD REO Repair Escrow Amount",null,null,{"$f":"Purchase!$AV$33","v":0},"  \\  HUD REO repair escrow amount entered in Purchase worksheet"]
[]
[" Final Base Loan Amount",null,null,{"$f":"IF(D88=TRUE,ROUNDDOWN(D90+D92,0),0)","v":0},"  \\  Initial Base Loan Amount plus HUD REO Escrow Repairs"]
[]
["PURCHASE  --  EEM"]
[]
[" Purchase - EEM",null,null,false,"  \\  If check box for EEM program is selected, then TRUE"]
[]
[" Initial Base Loan Amount",null,null,{"$f":"$D$20","v":0},"  \\  Lower of Purchase Price * 96.5% --OR-- Appraised Value * 96.5% --OR-- County Limit"]
[]
[" HUD Energy Efficient Mortgage Program Adjustments"]
["Cost of Improvements that exceed 2000 IECC (new construction only)",null,null,{"$f":"Purchase!AV24","v":0}]
["Installed Cost of Energy Improvements (existing construction)",null,null,{"$f":"Purchase!AV25","v":0}]
["Expected Energy Savings over useful life of improvements per HERS report",null,null,{"$f":"Purchase!AV26","v":0}]
["Cost of HERS, audit and/or Inspection reports (copy of receipts required)",null,null,{"$f":"Purchase!AV27","v":0}]
["Max amount of Energy Eff. Improvement cost (FHA Connection EEM calculator)",null,null,{"$f":"Purchase!AV28","v":0}]
["Solar system cost allowance (see HUD Handbook 4155.1 2.A.5)",null,null,{"$f":"Purchase!AV29","v":0}]
["Cost-Effective Energy Package",null,null,{"$f":"MAX(SUM(D103:D106),D107)+D108","v":0}]
[]
[" Final Base Loan Amount",null,null,{"$f":"IF(D98=TRUE,ROUNDDOWN(D100+D109,0),0)","v":0},"  \\  Initial Base Loan Amount plus HUD REO Escrow Repairs less Additional Borrower Contribution"]
[]
["PURCHASE  --  $100 DOWN PAYMENT (PLUS REPAIR ESCROW IF ANY)"]
[]
[" Purchase - $100 Down Payment Incentive",null,null,false,"  \\  If check box for $100 Down Payment Incentive program is selected, then TRUE"]
[]
[" Lower of Sales Price / Appraised Value / County Limit",null,null,{"$f":"SALESPRICE","v":0},"  \\  Lower of Purchase Price or Appraised Value"]
[" $100 Down Payment",null,null,{"$f":"IF(D115,100,0)","v":0}]
[" Sub-Total",null,null,{"$f":"D117-D118","v":0}]
[" Additional borrower contributions for lower loan amount requested",null,null,{"$f":"Purchase!$AV$56","v":0},"  \\  Additional borrower contribution amount entered in Purchase worksheet"]
[" Sub-Total",null,null,{"$f":"D119-D120","v":0}]
[]
[" Initial Base Loan Amount",null,null,{"$f":"MIN(ROUNDDOWN(D121,0),$D$5)","v":0},"  \\  Lower of Purchase Price * 96.5% --OR-- Appraised Value * 96.5% --OR-- County Limit"]
[" HUD REO Repair Escrow",null,null,{"$f":"Purchase!$AV$33","v":0}]
[" Final Base Loan Amount",null,null,{"$f":"IF(D115=TRUE,ROUNDDOWN(D123+D124,0),0)","v":0},"  \\  Initial Base Loan Amount less Additional Borrower Contribution"]
[]
["PURCHASE  --  GOOD NEIGHBOR NEXT DOOR  (PLUS  REPAIR ESCROW IF ANY)"]
[]
[" Purchase - GNND + $100 DP",null,null,false]
[]
[" Sales Price",null,null,{"$f":"SALESPRICE","v":0},"  \\  Sales Price"]
[" HUD Discount",null,null,0.5,"  \\  HUD GNND Discount Percentage"]
[" Sub-Total",null,null,{"$f":"IF(D129=TRUE,ROUNDDOWN(D131*D132,0),0)","v":0},"  \\  Sales Price X HUD GNND Discount Percentage"]
[" HUD-Paid Sales Commissions",null,null,{"$f":"Purchase!$AV$37","v":0},"  \\  HUD-Paid Sales Commissions (HUD REO Sales Contract Line 6a)"]
[" Sub-Total",null,null,{"$f":"D133+D134","v":0},"  \\  Sub-Total plus HUD-Paid Sales Commissions (HUD REO Sales Contract Line 6a)"]
[" Total all Closing Costs and Prepaids",null,null,{"$f":"Purchase!AV39","v":0}]
[" HUD-Paid Closing Costs",null,null,{"$f":"Purchase!$AV$38","v":0},"  \\  HUD-Paid Closing Costs (HUD REO Sales Contract Line 5)"]
[" Borrower Paid Closing Costs & Prepaids",null,null,{"$f":"IF(AND(D136=0,D137=0),0,IF(D136>D137,D136-D137,0))","v":0},"  \\  Borrower Paid Closing Costs"]
[" Sub-Total",null,null,{"$f":"D135+D138","v":0}]
[]
[" Adjusted Sales Price",null,null,{"$f":"D139","v":0},"  \\  Adjusted Sales Price"]
[" $100 Down Payment",null,null,{"$f":"IF(D129,100,0)","v":0}]
[" Sub-Total",null,null,{"$f":"D141-D142","v":0}]
[" Additional borrower contributions for lower loan amount requested",null,null,{"$f":"Purchase!AV56","v":0}]
[" Sub-Total",null,null,{"$f":"D143-D144","v":0}]
[]
[" Proposed Base Loan Amount",null,null,{"$f":"MIN(ROUNDDOWN(D145,0),$D$5)","v":0}]
[" HUD REO Repair Escrow",null,null,{"$f":"Purchase!$AV$33","v":0}]
[" Final Base Loan Amount",null,null,{"$f":"IF(D129=TRUE,ROUNDDOWN(D147+D148,0),0)","v":0}]
[]
[]
["PURCHASE  --  3-4 UNIT PROPERTIES"]
[]
[" 3-4 Unit Properties"]
["Total Market Rents per month, from Operating Income Statement, for ALL units",null,null,{"$f":"Purchase!AV43","v":0}]
[" A)  Actual Monthly Operating Income ",null,null,{"$f":"Purchase!AV44","v":0}]
[" B)  Rental Income based on 25% vacancy factor",null,null,{"$f":"IF(OR(D155=0,D156=0),0,D155*25%)","v":0}]
["Net Rental Income based on applicable (lowest) Vacancy/Rent Loss Factor",null,null,{"$f":"IF(OR(D155=0,D156=0),0,MIN(D155-D156,D155-D157))","v":0},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,null,null,null,null,null,null,null,null,"+"]
["Subject Property proposed Principal, Interest and Mortgage Insurance payment",null,null,{"$f":"IF(OR(D155=0,D156=0),0,IF(OR(D38=0,D38=\"\",D34=0,D34=\"\",D36=0,D36=\"\"),0,D38+D41))","v":0}]
["Property Taxes",null,{"$f":"Purchase!L49","v":0},{"$f":"IF(OR(D155=0,D156=0),0,SUM(C160:C162))","v":0}]
["Hazard Insurance",null,{"$f":"Purchase!AB49","v":0}]
["HOA Dues",null,{"$f":"Purchase!AL49","v":0}]
["Total PITI Payment",null,null,{"$f":"IF(OR(D155=0,D156=0),0,SUM(D159:D162))","v":0}]
[{"$f":"IF(AND(D155=0,D156=0,D157=0),\"Actual Net Rental Income / Rental Loss to be determined\",IF(D158>=D163,\"Actual Net Rental Income\",IF(D163>D158,\"Actual Net Rental Loss\",\"Actual Net Rental Income / Rental Loss to be determined\")))","v":"Actual Net Rental Income / Rental Loss to be determined"},null,null,{"$f":"IF(OR(D155=0,D156=0),0,D158-D163)","v":0}]
["Self-sufficiency test results",null,null,{"$f":"IF(OR(D155=0,D34=0,D36=0,D43=0,D44=0),\"TBD\",IF(D158>=D163,\"PASS\",\"FAIL\"))","v":"TBD"}]
[]
["Minimum reserves required (reserves cannot be derived from a gift)",null,null,{"$f":"IF(OR(D155=0,D156=0),\"\",IF(D155>1,\"3 Months\",\"\"))","v":""}]
[]
["REFINANCE  ―  RATE & TERM"]
[]
[" Assignment Date",null,{"$f":"D171","v":"00:00:00"},{"$f":"IF(OR('R&T Refinance'!AV8=0,'R&T Refinance'!AV8<0,'R&T Refinance'!AV8=\"\"),0,'R&T Refinance'!AV8)","v":0},"  \\  Case number assignment date on the new case number for the current subject property loan"]
[]
[" County Limit",null,null,{"$f":"'R&T Refinance'!AV12","v":331760},"  \\  County limit as entered by user"]
[]
[" Appraised Value",null,null,{"$f":"IF(OR('R&T Refinance'!AV15=0,'R&T Refinance'!AV15<0,'R&T Refinance'!AV15=\"\"),0,'R&T Refinance'!AV15)","v":0},"  \\  Appraised value"]
[]
[" Date property acquired/purchased",null,null,{"$f":"IF(OR('R&T Refinance'!AV17=0,'R&T Refinance'!AV17<0,'R&T Refinance'!AV17=\"\"),0,'R&T Refinance'!AV17)","v":0}]
[" Property acquired 1yr or more prior to case assignment date",null,{"$f":"IF(OR(D171=0,D177=0),0,D171-D177)","v":0},{"$f":"IF(C178=0,\"ERROR\",IF((D171-D177)>364,TRUE,IF((D171-D177)<366,FALSE,\"\")))","v":"ERROR"},"  \\  True = borrower acquired property 1+ years prior to case number assignment date, False = borrower acquired property less than 12 months from case number assignment date"]
[]
[" Date borrower began occupying property as primary residence",null,{"$f":"IF(OR(D171=0,D180=0),0,D171-D180)","v":0},{"$f":"IF(OR('R&T Refinance'!AV18=0,'R&T Refinance'!AV18<0,'R&T Refinance'!AV18=\"\"),0,'R&T Refinance'!AV18)","v":0}]
[" Occupany requirement",null,null,{"$f":"IF(AND(C178>=365,C180<=364),FALSE,IF(AND(C178<=365,C178<>C180),FALSE,TRUE))","v":true},"  \\  True = borrower has occupied property as primary residence since date of acquisition, False = borrower did not begin to occupy property since acquisition and property was previously being rented out"]
[]
[" Original purchase price",null,null,{"$f":"'R&T Refinance'!AV19","v":0},"  \\  Original purchase price"]
[" Documented improvements subsequent to purchase",null,null,{"$f":"'R&T Refinance'!AV20","v":0},"  \\  Documented improvements subsequent to purchase"]
[" Total acquisition cost",null,null,{"$f":"SUM(D183:D184)","v":0},"  \\  Total acquisition cost"]
[]
[" Adjusted Value",null,null,{"$f":"IF(OR(D178=0,D178=\"\",D178=\"ERROR\"),0,IF(D178=TRUE,D175,MIN(D175,D185)))","v":0},"  \\  Adjusted Value"]
[" Adjusted Value message",null,{"$f":"+IF(D187=0,\"\",\"**if the Adjusted Value is being utilized for lending this needs to beupdated in the property Screen\")","v":""},{"$f":"IF(OR(D187=0,D187=\"\"),\"Adjusted Value\",CONCATENATE(\"Adjusted Value is \",DOLLAR(D187,0))&\"**\")","v":"Adjusted Value"}]
[]
[" Maximum allowable LTV based on acquisition/occupancy requirements",null,null,{"$f":"IF(D181=FALSE,85%,97.75%)","v":0.97750000000000004},"  \\ Date acquired and date occupied are the same = 97.75%  \\  Date acquired >= 12months and date occupied <= 12 months = 85%  \\  Date acquired <= 12months and date occupied is not the same as date acquire (date occupied < date acquired) = 85%"]
[]
[" Unpaid Principal Balance",null,null,{"$f":"IF(OR('R&T Refinance'!AV33=0,'R&T Refinance'!AV33<0,'R&T Refinance'!AV33=\"\"),0,'R&T Refinance'!AV33)","v":0},"  \\  The unpaid principal balance amount exactly as reflected on payoff"]
[" Payoff date from",null,null,{"$f":"IF(OR('R&T Refinance'!Z33=0,'R&T Refinance'!Z33<0,'R&T Refinance'!Z33=\"\"),\"\",'R&T Refinance'!Z33)","v":""},"  \\  The date payoff is due from as reflected on payoff"]
[" Next month payment is due",null,null,{"$f":"IF(D193=\"\",\"\",VLOOKUP(D250,$A$690:$B$701,2))","v":""},"  \\  What month is the next payment due"]
[" Interest due for the previous month",null,null,{"$f":"'R&T Refinance'!AV34","v":0},"  \\  The amount of interest that is due for the month previous to the month payment is due"]
[{"$f":"D254","v":"Interest Due for the current month."},null,null,{"$f":"'R&T Refinance'!AV35","v":0},"  \\  The amount of interest that is due for the month that the next payment is due"]
[" Annual MIP due as reflected on payoff (maximum 2 months Annual MIP allowed)",null,null,{"$f":"'R&T Refinance'!AV36","v":0},"  \\  The amount of annual MIP as reflected on payoff, but can include only a maximum of two months"]
[" Other allowable fees/charges included in payoff",null,null,{"$f":"'R&T Refinance'!AV37","v":0},"  \\  Other allowable fees/charges included in payoff (ie: fax fee, copy fee, etc.)"]
[{"$f":"B268","v":"Current servicer to refund current impound account to borrower after closing"},null,null,{"$f":"'R&T Refinance'!AV38","v":0},"  \\  Escrow overage amount as reflected on payoff"]
[" Less MIP refund (enter as positive figure)",null,null,{"$f":"'R&T Refinance'!AV39","v":0},"  \\  MIP refund amount as reflected on FHA Connection Refinance Authorization"]
[" Repairs required by appraiser that have been completed and paid by borrower",null,null,{"$f":"'R&T Refinance'!AV40","v":0},"  \\  Repairs required by appraiser that have been completed and paid by borrower"]
[" Equity to ex-spouse (supporting documentation provided)",null,null,{"$f":"'R&T Refinance'!AV41","v":0},"  \\  Equity to ex-spouse (supporting documentation provided)"]
["Purchase money second mortgage to be paid off (no seasoning required)",null,null,{"$f":"'R&T Refinance'!AV42","v":0},"  \\  Purchase money second mortgage to be paid off (no seasoning required)"]
["Other property-related liens (seasoned at least 1 year) to be paid off",null,null,{"$f":"'R&T Refinance'!AV43","v":0},"  \\  Other property-related liens (seasoned at least 1 year) to be paid off"]
[" Borrower paid allowable closing costs, prepaids and per diem interest",null,null,{"$f":"'R&T Refinance'!AV44","v":0},"  \\  Borrower paid allowable closing costs, prepaids and per diem interest"]
[" Reasonable discount points amount",null,null,{"$f":"'R&T Refinance'!AV45","v":0},"  \\  Reasonable discount points amount"]
[" Less additional borrower contributions for lower loan amount requested",null,null,{"$f":"'R&T Refinance'!AV58","v":0},"  \\  Additional desired and required borrower contributions for lower loan amount requested"]
[]
[" HUD Energy Efficient Mortgage Program Adjustments"]
["Cost of Improvements that exceed 2000 IECC (new construction only)",null,null,{"$f":"'R&T Refinance'!AV49","v":0}]
["Installed Cost of Energy Improvements (existing construction)",null,null,{"$f":"'R&T Refinance'!AV50","v":0}]
["Expected Energy Savings over useful life of improvements per HERS report",null,null,{"$f":"'R&T Refinance'!AV51","v":0}]
["Cost of HERS, audit and/or Inspection reports (copy of receipts required)",null,null,{"$f":"'R&T Refinance'!AV52","v":0}]
["Max amount of Energy Eff. Improvement cost (FHA Connection EEM calculator)",null,null,{"$f":"'R&T Refinance'!AV53","v":0}]
["Solar system cost allowance (see HUD Handbook 4000.1, Section II.8.m.iv)",null,null,{"$f":"'R&T Refinance'!AV54","v":0}]
["Cost-Effective Energy Package",null,null,{"$f":"MAX(SUM(D210:D213),D214)+D215","v":0}]
[]
[" Subtotal of all items to add",null,{"$f":"D192+D195+D196+D197+D198+D201+D202+D203+D204+D205+D206","v":0},{"$f":"D192+D195+D196+D197+D198+D201+D202+D203+D204+D205+D206+D216","v":0},"  \\  Sub-total of all the items listed above that are added together as part of determining maximum base loan amount"]
[" Subtotal of all items to subtract",null,{"$f":"D199+D200+D207","v":0},{"$f":"IF(B261=TRUE,D199+D200+D207,D200+D207)","v":0},"  \\  Sub-total of all the items listed above that are subtracted as part of determining maximum base loan amount"]
[" Total",null,null,{"$f":"D218-D219","v":0},"  \\  Total of the two items listed above (additions and subtractions as part of determining maximum base loan amount)"]
[]
[" All Information missing",null,null,{"$f":"IF(AND(D171=0,D173=275665,D177=0,D175=0,D192=0),TRUE,FALSE)","v":false},"  \\  True = all minimum required information missing as on blank worksheet, False = all minimum required information has been provided"]
[" Partial information missing",null,null,{"$f":"IF(OR(D171=0,D171=\"\",D173=0,D173=\"\",D177=0,D177=\"\",D178=\"ERROR\",D180=0,D180=\"\",D175=0,D175=\"\",D192=0,D192=\"\"),TRUE,FALSE)","v":true},"  \\  True = partial minimum required information missing as on blank worksheet, False = all minimum required information has been provided"]
[]
["Missing Data"]
[" Case assignment date",null,{"$f":"IF(AND(D171=0,D173<>0,D175<>0,D177<>0,D180<>0,D183<>0,D192<>0),TRUE,FALSE)","v":false},"Base Loan Amount cannot be calculated due to missing Case Assignment date"]
[" County Limit",null,{"$f":"IF(AND(D171<>0,D173=0,D175<>0,D177<>0,D180<>0,D183<>0,D192<>0),TRUE,FALSE)","v":false},"Base Loan Amount cannot be calculated due to missing County Limit"]
[" Appraised Value",null,{"$f":"IF(AND(D171<>0,D173<>0,D175=0,D177<>0,D183<>0,D192<>0),TRUE,FALSE)","v":false},"Base Loan Amount cannot be calculated due to missing Appraised Value"]
[" Date Property Acquired",null,{"$f":"IF(AND(D171<>0,D173<>0,D175<>0,D177=0,D180<>0,D183<>0,D192<>0),TRUE,FALSE)","v":false},"Base Loan Amount cannot be calculated due to missing Date of Property Acquisition"]
[" Date Began Occupancy",null,{"$f":"IF(AND(D171<>0,D173<>0,D175<>0,D177<>0,D180=0,D183<>0,D192<>0),TRUE,FALSE)","v":false},"Base Loan Amount cannot be calculated due to missing Date of Occupancy"]
[" Original Purchase Price",null,{"$f":"IF(AND(D171<>0,D173<>0,D175<>0,D177<>0,D180<>0,D183=0,D192<>0),TRUE,FALSE)","v":false},"Base Loan Amount cannot be calculated due to missing Original Purchase Price"]
[" Unpaid Principal Balance",null,{"$f":"IF(AND(D171<>0,D173<>0,D175<>0,D177<>0,D180<>0,D183<>0,D192=0),TRUE,FALSE)","v":false},"Base Loan Amount cannot be calculated due to missing Unpaid Principal Balance"]
[]
[" Base Loan Amount message",null,null,{"$f":"IF(AND(D222=TRUE,D223=TRUE),\"Base Loan Amount (maximum mortgage before UFMIP)\",IF(OR(C226=TRUE,C227=TRUE,C229=TRUE,C230=TRUE,C228=TRUE,C232=TRUE),VLOOKUP(TRUE,C226:D232,2,FALSE),IF(AND(D222=FALSE,D223=TRUE),\"Base Loan Amount cannot be calculated due to missing minimum required information\",CONCATENATE(\"Base Loan Amount at \",ROUND(D242*100,2),\"% LTV (maximum mortgage before UFMIP)\"))))","v":"Base Loan Amount cannot be calculated due to missing minimum required information"}]
[]
[" Base Loan Amount (maximum mortgage before UFMIP)",null,null,{"$f":"IF(D223=TRUE,0,ROUNDDOWN(MIN(D173,D187*D190,D220),0))","v":0},"  \\  Base loan amount calculated"]
[" UFMIP Factor",null,null,1.7500000000000002E-2,"  \\  UFMIP factor calculated"]
[" UFMIP Amount",null,null,{"$f":"D236*D237","v":0},"  \\  UFMIP amount calculated"]
[" UFMIP Amount Financed",null,1,{"$f":"IF(C239=1,D238,0)","v":0},"  \\  UFMIP amount financed as indicated by user"]
[" Total Loan Amount",null,null,{"$f":"ROUNDDOWN(D236+D239,0)","v":0},"  \\  Total loan amount calculated"]
[]
[" LTV",null,null,{"$f":"IF(OR(D175=0,D236=0),0,D236/D187)","v":0},"  \\  LTV calculated"]
[]
[" Interest Rate",null,null,{"$f":"'R&T Refinance'!J68","v":0},"  \\  Interest rate as entered by user"]
[]
[" Loan Term",null,null,{"$f":"'R&T Refinance'!AA68","v":0},"  \\  Loan term as entered by user"]
[]
[" Principal & Interest Payment",null,null,{"$f":"IF(OR(D240=0,D244=\"\",D246=\"\"),0,ABS(PMT(D244/12,D246,D240)))","v":0},"  \\  Principal and interest payment calculated"]
[]
[" Interest Due Date Month",null,null,{"$f":"IF(OR(D193=0,D193<0,D193=\"\"),\"\",MONTH(D193))","v":""},"  \\  The number of the month for the interest due date entered"]
[" Previous Month",null,null,{"$f":"IF(OR(D193=0,D193<0,D193=\"\"),\"\",IF(D250=1,12,D250-1))","v":""},"  \\  The number of the previous month for the interest due date entered"]
[" Month Next Payment is Due",null,null,{"$f":"IF(D193<>\"\",CONCATENATE(\"/ due for \",VLOOKUP(D250,$A$690:$B$701,2),\" payment)\"),\"\")","v":""},"  \\  Message for the month the next payment is due"]
[" INTDUEPAYOFF",null,null,{"$f":"IF(AND(D193<>\"\",D193<>0),CONCATENATE(\"Interest due for the month of \",VLOOKUP(D251,$A$690:$B$701,2),\" (due with \",VLOOKUP(D250,$A$690:$B$701,2),\" payment, if not yet paid)\"),\"Interest due for the previous month (due with current month's payment).\")","v":"Interest due for the previous month (due with current month's payment)."},"  \\  Message disclosing interest due for the month as based on payoff interest due date, payment due date"]
[" INTDUECURRENT",null,null,{"$f":"IF(D193<>\"\",CONCATENATE(\"Interest due through the date the mortgage is paid in full (the month loan is closing)\"),\"Interest Due for the current month.\")","v":"Interest Due for the current month."},"  \\  Up to 30 days of interest due on the month loan is being paid off"]
[]
[" FHA Annual MIP Percentage",null,null,{"$f":"IF(OR(D240=0,D244=0,D246=0),\"\",VLOOKUP(TRUE,F273:G281,2,FALSE))","v":""},"  \\  Annual MIP factor calculated"]
[" FHA Annual MIP Amount",null,null,{"$f":"IF(OR(D240=0,D244=0,D246=0),\"\",F302)","v":""},"  \\  Annual MIP amount calculated"]
[]
["RATE & TERM REFINANCE  —  IMPOUND ACCOUNT SELECTIONS"]
[]
[" Option #1",false,null,null,"  \\  Deduct current impound account from principal balance. "]
[" Option #2",false,null,null,"  \\  Credit the current impound account to cover the new closing costs and new impound account."]
[" Option #3",true,null,null,"  \\  The current impound account is to be refunded to the borrower by the servicer after closing."]
[null,null,null,null,"  \\  The current impound account is to be rolled from the current Stearns to Stearns (deleted 04/06/2015)"]
[]
[" Error Test",{"$f":"COUNTIF(B261:B263,\"TRUE\")","v":1}]
[]
[" Impound Acct Option Selected",{"$f":"IF(B266>1,\"ERROR:  Must select only ONE of the Impound Account Options above\",IF(B261=TRUE,\"Deduct current impound account from principal balance\",IF(B262=TRUE,\"Credit the current impound account to cover the new costs/impounds\",IF(B263=TRUE,\"Current servicer to refund current impound account to borrower after closing\",\"Please select one of the Impound Account Options above\"))))","v":"Current servicer to refund current impound account to borrower after closing"}]
[]
[]
["CHART FOR ANNUAL MIP WITH LOAN TERMS FROM 181 TO 360"]
["Term","Base\nLoan Amount (greater than)","LTV\n(greater than)","LTV\n(less than/equal to)","Endorsed\nPre 06/01/2009","Final","AMIPFactor"]
[" 30 year Fixed",0,0,0.95,null,{"$f":"IF(AND($D$236<=625000,$D$246>180,$D$242<=95%),TRUE,FALSE)","v":false},8.0000000000000002E-3]
[" 30 year Fixed",0,0.95,1,null,{"$f":"IF(AND($D$236<=625000,$D$246>180,$D$242>95%),TRUE,FALSE)","v":false},8.5000000000000006E-3]
[" 30 year Fixed",625500,0,0.95,null,{"$f":"IF(AND($D$236>625000,$D$246>180,$D$242<=95%),TRUE,FALSE)","v":false},0.01]
[" 30 year Fixed",625500,0.95,1,null,{"$f":"IF(AND($D$236>625000,$D$246>180,$D$242>95%),TRUE,FALSE)","v":false},1.0500000000000001E-2]
[" 15 year Fixed",0,0,0.9,null,{"$f":"IF(AND($D$236<=625000,$D$246<181,$D$242<=90%),TRUE,FALSE)","v":true},4.4999999999999997E-3]
[" 15 year Fixed",0,0.9,1,null,{"$f":"IF(AND($D$236<=625000,$D$246<181,$D$242>90%),TRUE,FALSE)","v":false},7.0000000000000001E-3]
[" 15 year Fixed",625500,0,0.78,null,{"$f":"IF(AND($D$236>625000,$D$246<181,$D$242<=78%),TRUE,FALSE)","v":false},4.4999999999999997E-3]
[" 15 year Fixed",625500,0.78,0.9,null,{"$f":"IF(AND($D$236>625000,$D$246<181,$D$242>78%,$D$242<=90%),TRUE,FALSE)","v":false},7.0000000000000001E-3]
[" 15 year Fixed",625500,0.9,1,null,{"$f":"IF(AND($D$236>625000,$D$246<181,$D$242>90%),TRUE,FALSE)","v":false},9.4999999999999998E-3]
[]
[]
["ANNUAL MIP CALCULATIONS  —  RATE & TERM REFINANCE"]
[null,"Previous Balance","Prev Bal X Rate","Previous div by 12","Prev plus prev bal","Prev less P&I"]
[" Month #1",null,null,null,null,{"$f":"D240","v":0}]
[" Month #2",{"$f":"F286","v":0},{"$f":"B287*$D$244","v":0},{"$f":"C287/12","v":0},{"$f":"B287+D287","v":0},{"$f":"E287-$D$248","v":0}]
[" Month #3",{"$f":"F287","v":0},{"$f":"B288*$D$244","v":0},{"$f":"C288/12","v":0},{"$f":"B288+D288","v":0},{"$f":"E288-$D$248","v":0}]
[" Month #4",{"$f":"F288","v":0},{"$f":"B289*$D$244","v":0},{"$f":"C289/12","v":0},{"$f":"B289+D289","v":0},{"$f":"E289-$D$248","v":0}]
[" Month #5",0,0,0,0,0]
[" Month #6",0,0,0,0,0]
[" Month #7",0,0,0,0,0]
[" Month #8",0,0,0,0,0]
[" Month #9",0,0,0,0,0]
[" Month #10",0,0,0,0,0]
[" Month #11",0,0,0,0,0]
[" Month #12",0,0,0,0,0]
[" Total all balances from twelve months",null,null,null,null,{"$f":"SUM(F286:F297)","v":0}]
[" Divide by 12 to attain average outstanding balance",null,null,null,null,{"$f":"F298/12","v":0}]
[" Previous results X Annual MIP Factor",null,null,null,null,{"$f":"IF(F299=0,0,F299*D256)","v":0}]
[" Annual MIP (previous results divided by (1 divided by UFMIP in decimal form, ie 0.0175)",null,null,null,null,{"$f":"IF(C239=2,F300/1,F300/(1+D237))","v":0}]
[" ANNUAL MIP (previous results divided by 12 months)",null,null,null,null,{"$f":"IF(C239=2,F300/12,F301/12)","v":0}]
[]
["REFINANCE  ―  CASH OUT"]
[null,"new",85,{"$f":"+IF(OR(D306=0,D306=\"\"),\"Case Number Assignment\",IF(D306>=43709,\"Case Number Assignment\",\"***Incorrect worksheet used based on case number assignment date***\"))","v":"Case Number Assignment"},{"$f":"+IF(OR(E306=0,E306=\"\"),\"Case Number Assignment\",IF(E306<43709,\"Case Number Assignment\",\"***Incorrect worksheet used based on case number assignment date***\"))","v":"Case Number Assignment"},"(prior 9/1/2019)",null,"old",80]
[" Assignment Date",null,{"$f":"D306","v":"00:00:00"},{"$f":"'Cash-Out Refinance'!AV8","v":"00:00:00"},{"$f":"F306","v":"00:00:00"},{"$f":"'Cash-Out Refinance Old'!AV8","v":0},"  \\  Case number assignment date on the new case number for the current subject property loan"]
[" Endorsement Date",null,null,0,null,0,"  \\ Days since occupancy"]
[" Occupancy Date",null,{"$f":"+'Cash-Out Refinance'!AV21","v":"00:00:00"},{"$f":"+IF(OR(C306=0,C308=0),\"\",C306-C308)","v":""},{"$f":"+'Cash-Out Refinance Old'!AV21","v":"00:00:00"},{"$f":"+IF(OR(E306=0,E308=0),\"\",E306-E308)","v":""},"  \\  Case number endorsement date on the case number for the loan to be paid off"]
[" County Limit",null,null,{"$f":"'Cash-Out Refinance'!AV12","v":331760},null,{"$f":"'Cash-Out Refinance Old'!AV12","v":275665},"  \\  County limit as entered by user"]
[]
[" Appraised Value",null,null,{"$f":"'Cash-Out Refinance'!AV18","v":0},null,{"$f":"'Cash-Out Refinance Old'!AV18","v":0},"  \\  Appraised value"]
[]
[" Properties acquired less than 1 year ago - Original Sales Price",null,null,{"$f":"'Cash-Out Refinance'!AV22","v":0},null,{"$f":"'Cash-Out Refinance Old'!AV22","v":0}]
[]
[" Less additional borrower contributions for lower loan amount requested",null,null,{"$f":"'Cash-Out Refinance'!AV27","v":0},null,{"$f":"'Cash-Out Refinance Old'!AV27","v":0},"  \\  Additional desired and required borrower contributions for lower loan amount requested"]
[null,null,null,{"$f":"+IF(AND(C318=FALSE,D308<365),\"(Loan is ineligible for Cash-Out due to length of ownership)\",\"\")","v":""},null,{"$f":"+IF(AND(E318=FALSE,F308<365),\"(Loan is ineligible for Cash-Out due to length of ownership)\",\"\")","v":""},null,null,365]
[" Base Loan Amount message",null,null,{"$f":"IF(D325=\"\",\"\",IF(D325=0,\"Base Loan Amount (maximum mortgage before UFMIP)\",CONCATENATE(\"Base Loan Amount at \",ROUND(D325*100,2),\"% (maximum mortgage before UFMIP)\")))","v":""},null,{"$f":"IF(F325=\"\",\"\",IF(F325=0,\"Base Loan Amount (maximum mortgage before UFMIP)\",CONCATENATE(\"Base Loan Amount at \",ROUND(F325*100,2),\"% (maximum mortgage before UFMIP)\")))","v":""}]
[" Property was inherited",null,false,null,false]
[" Base Loan Amount (maximum mortgage before UFMIP)",null,null,{"$f":"IF(OR(D308>365,C318=TRUE),ROUNDDOWN((MIN(D309,D311*80%))-D315,0),ROUNDDOWN((MIN(D309,D311*80%,D313*80%))-D315,0))","v":0},null,{"$f":"IF(OR(F308>365,E318=TRUE),ROUNDDOWN((MIN(F309,F311*85%))-F315,0),ROUNDDOWN((MIN(F309,F311*85%,F313*85%))-F315,0))","v":0},"  \\  Base loan amount calculated"]
[" UFMIP Factor",null,null,1.7500000000000002E-2,null,1.7500000000000002E-2,"  \\  UFMIP factor calculated"]
[" UFMIP Amount",null,null,{"$f":"D319*D320","v":0},null,{"$f":"F319*F320","v":0},"  \\  UFMIP amount calculated"]
[" UFMIP Amount Financed",null,1,{"$f":"IF(C322=1,D321,0)","v":0},1,{"$f":"IF(E322=1,F321,0)","v":0},"  \\  UFMIP amount financed as indicated by user"]
[" Total Loan Amount",null,null,{"$f":"ROUNDDOWN(D319+D322,0)","v":0},null,{"$f":"ROUNDDOWN(F319+F322,0)","v":0},"  \\  Total loan amount calculated"]
[]
[" LTV",null,null,{"$f":"+IF(OR(D308=\"\",D308=0),\"\",IF(OR(D308>365,C318=TRUE),D319/MIN(D311,D309),D319/D313))","v":""},null,{"$f":"+IF(OR(F308=\"\",F308=0),\"\",IF(OR(F308>365,E318=TRUE),F319/MIN(F311,F309),F319/F313))","v":""},"  \\  LTV calculated"]
[]
[" Interest Rate",null,null,{"$f":"'Cash-Out Refinance'!J37","v":0},null,{"$f":"'Cash-Out Refinance Old'!J37","v":0},"  \\  Interest rate as entered by user"]
[]
[" Loan Term",null,null,{"$f":"'Cash-Out Refinance'!AA37","v":0},null,{"$f":"'Cash-Out Refinance Old'!AA37","v":0},"  \\  Loan term as entered by user"]
[]
[" Principal & Interest Payment",null,null,{"$f":"IF(OR(D323=0,D327=\"\",D329=\"\"),0,ABS(PMT(D327/12,D329,D323)))","v":0},null,{"$f":"IF(OR(F323=0,F327=\"\",F329=\"\"),0,ABS(PMT(F327/12,F329,F323)))","v":0},"  \\  Principal and interest payment calculated"]
[]
[" FHA Annual MIP Percentage",null,null,{"$f":"IF(OR(D323=0,D327=0,D329=0),\"\",VLOOKUP(TRUE,F339:G349,2,FALSE))","v":""},null,"  \\  Annual MIP factor calculated"]
[" FHA Annual MIP Amount",null,null,{"$f":"IF(OR(D323=0,D327=0,D329=0),\"\",F370)","v":""},null,"  \\  Annual MIP amount calculated"]
[]
[]
["CHART FOR ANNUAL MIP WITH LOAN TERMS FROM 181 TO 360"]
["Term","Base\nLoan Amount (greater than)","LTV\n(greater than)","LTV\n(less than/equal to)","Endorsed\nPre 06/01/2009","Final","AMIPFactor"]
[" 30 year Fixed",0,0,0.95,null,{"$f":"IF(AND($D$319<=625000,$D$329>180,$D$325<=95%),TRUE,FALSE)","v":false},8.0000000000000002E-3]
[" 30 year Fixed",0,0.95,1,null,{"$f":"IF(AND($D$319<=625000,$D$329>180,$D$325>95%),TRUE,FALSE)","v":false},8.5000000000000006E-3]
[" 30 year Fixed",625500,0,0.95,null,{"$f":"IF(AND($D$319>625000,$D$329>180,$D$325<=95%),TRUE,FALSE)","v":false},0.01]
[" 30 year Fixed",625500,0.95,1,null,{"$f":"IF(AND($D$319>625000,$D$329>180,$D$325>95%),TRUE,FALSE)","v":false},1.0500000000000001E-2]
[" 30 year Fixed","All","All","All","2009-06-01",{"$f":"IF(AND($D$329>180,#REF!>0,#REF!<39965),TRUE,FALSE)","v":{"$error":"#REF!"}},5.4999999999999997E-3]
[" 15 year Fixed",0,0,0.9,null,{"$f":"IF(AND($D$319<=625000,$D$329<181,$D$325<=90%),TRUE,FALSE)","v":false},4.4999999999999997E-3]
[" 15 year Fixed",0,0.9,1,null,{"$f":"IF(AND($D$319<=625000,$D$329<181,$D$325>90%),TRUE,FALSE)","v":true},7.0000000000000001E-3]
[" 15 year Fixed",625500,0,0.78,null,{"$f":"IF(AND($D$319>625000,$D$329<181,$D$325<=78%),TRUE,FALSE)","v":false},4.4999999999999997E-3]
[" 15 year Fixed",625500,0.78,0.9,null,{"$f":"IF(AND($D$319>625000,$D$329<181,$D$325>78%,$D$325<=90%),TRUE,FALSE)","v":false},7.0000000000000001E-3]
[" 15 year Fixed",625500,0.9,1,null,{"$f":"IF(AND($D$319>625000,$D$329<181,$D$325>90%),TRUE,FALSE)","v":false},9.4999999999999998E-3]
[" 15 year Fixed","All","All","All","2009-06-01",{"$f":"IF(AND($D$329<181,#REF!>0,#REF!<39965),TRUE,FALSE)","v":{"$error":"#REF!"}},5.4999999999999997E-3]
[]
[]
["ANNUAL MIP CALCULATIONS  —  CASH OUT REFINANCE"]
[null,"Previous Balance","Prev Bal X Rate","Previous div by 12","Prev plus prev bal","Prev less P&I"]
[" Month #1",null,null,null,null,{"$f":"D323","v":0}]
[" Month #2",{"$f":"F354","v":0},{"$f":"B355*$D$327","v":0},{"$f":"C355/12","v":0},{"$f":"B355+D355","v":0},{"$f":"E355-$D$331","v":0}]
[" Month #3",{"$f":"F355","v":0},{"$f":"B356*$D$327","v":0},{"$f":"C356/12","v":0},{"$f":"B356+D356","v":0},{"$f":"E356-$D$331","v":0}]
[" Month #4",{"$f":"F356","v":0},0,{"$f":"C357/12","v":0},{"$f":"B357+D357","v":0},0]
[" Month #5",0,0,0,0,0]
[" Month #6",0,0,0,0,0]
[" Month #7",0,0,0,0,0]
[" Month #8",0,0,0,0,0]
[" Month #9",0,0,0,0,0]
[" Month #10",0,0,0,0,0]
[" Month #11",0,0,0,0,0]
[" Month #12",0,0,0,0,0]
[" Total all balances from twelve months",null,null,null,null,{"$f":"SUM(F354:F365)","v":0}]
[" Divide by 12 to attain average outstanding balance",null,null,null,null,{"$f":"F366/12","v":0}]
[" Previous results X Annual MIP Factor",null,null,null,null,{"$f":"IF(F367=0,0,F367*D333)","v":0}]
[" Annual MIP (previous results divided by (1 divided by UFMIP in decimal form, ie 0.0175)",null,null,null,null,{"$f":"IF(C322=2,F368/1,F368/(1+D320))","v":0}]
[" ANNUAL MIP (previous results divided by 12 months)",null,null,null,null,{"$f":"IF(C322=2,F368/12,F369/12)","v":0}]
[]
["REFINANCE  ―  SIMPLE"]
[]
[" Assignment Date","Simple Refinance'!AR10",{"$f":"D374","v":"00:00:00"},{"$f":"IF(OR('Simple Refinance'!AR10=0,'Simple Refinance'!AR10<0,'Simple Refinance'!AR10=\"\"),0,'Simple Refinance'!AR10)","v":0},"  \\  Case number assignment date on the new case number for the current subject property loan"]
[" Endorsement Date","Simple Refinance'!P10",null,{"$f":"IF(OR('Simple Refinance'!P10=0,'Simple Refinance'!P10<0,'Simple Refinance'!P10=\"\"),0,'Simple Refinance'!P10)","v":0},"  \\  Case number endorsement date on the case number for the loan to be paid off"]
[]
[" County Limit",null,null,{"$f":"'Simple Refinance'!AV14","v":331760},"  \\  County limit as entered by user"]
[]
[" Appraised Value",null,null,{"$f":"IF(OR('Simple Refinance'!AV18=0,'Simple Refinance'!AV18<0,'Simple Refinance'!AV18=\"\"),0,'Simple Refinance'!AV18)","v":0},"  \\  Appraised value"]
[]
[" Date property acquired/purchased",null,null,{"$f":"IF(OR('Simple Refinance'!AV20=0,'Simple Refinance'!AV20<0,'Simple Refinance'!AV20=\"\"),0,'Simple Refinance'!AV20)","v":0}]
[" Property acquired 1yr or more prior to case assignment date",null,{"$f":"IF(OR(D374=0,D381=0),0,D374-D381)","v":0},{"$f":"IF(C382=0,\"ERROR\",IF((D374-D381)>364,TRUE,IF((D374-D381)<366,FALSE,\"\")))","v":"ERROR"}]
[]
[" Date borrower began occupying property as primary residence",null,{"$f":"IF(OR(D374=0,D384=0),0,D374-D384)","v":0},{"$f":"IF(OR('Simple Refinance'!AV21=0,'Simple Refinance'!AV21<0,'Simple Refinance'!AV21=\"\"),0,'Simple Refinance'!AV21)","v":0}]
[" Occupany requirement",null,null,{"$f":"IF(AND(C382>=365,C384<=364),FALSE,IF(AND(C382<=365,C382<>C384),FALSE,TRUE))","v":true}]
[]
[" Original purchase price",null,null,{"$f":"'Simple Refinance'!AV22","v":0}]
[" Documented improvements subsequent to purchase",null,null,{"$f":"'Simple Refinance'!AV23","v":0}]
[" Total acquisition cost",null,null,{"$f":"SUM(D387:D388)","v":0}]
[]
[" Adjusted Value",null,null,{"$f":"IF(OR(D382=0,D382=\"\",D382=\"ERROR\"),0,IF(D382=TRUE,D379,MIN(D379,D389)))","v":0}]
[" Adjusted Value message",null,{"$f":"+IF(D391=0,\"\",\"**if the Adjusted Value is being utilized for lending this needs to beupdated in the property Screen\")","v":""},{"$f":"IF(OR(D391=0,D391=\"\"),\"Adjusted Value\",CONCATENATE(\"Adjusted Value is \",DOLLAR(D391,0))&\"**\")","v":"Adjusted Value"}]
[]
[" Maximum allowable LTV based on acquisition/occupancy requirements",null,null,0.97750000000000004]
[]
[" Unpaid Principal Balance",null,null,{"$f":"IF(OR('Simple Refinance'!AV36=0,'Simple Refinance'!AV36<0,'Simple Refinance'!AV36=\"\"),0,'Simple Refinance'!AV36)","v":0},"  \\  The unpaid principal balance amount exactly as reflected on payoff"]
[" Payoff date from",null,null,{"$f":"IF(OR('Simple Refinance'!Z36=0,'Simple Refinance'!Z36<0,'Simple Refinance'!Z36=\"\"),\"\",'Simple Refinance'!Z36)","v":""},"  \\  The date payoff is due from as reflected on payoff"]
[" Next month payment is due",null,null,{"$f":"IF(D397<>\"\",VLOOKUP(D452,$A$690:$B$701,2),\"\")","v":""},"  \\  What month is the next payment due"]
[" Interest due for the previous month",null,null,{"$f":"'Simple Refinance'!AV37","v":0},"  \\  The amount of interest that is due for the month previous to the month payment is due"]
[{"$f":"D456","v":"Interest Due for the current month."},null,null,{"$f":"'Simple Refinance'!AV38","v":0},"  \\  The amount of interest that is due for the month that the next payment is due"]
[" Annual MIP due as reflected on payoff (maximum 2 months Annual MIP allowed)",null,null,{"$f":"'Simple Refinance'!AV39","v":0},"  \\  The amount of annual MIP as reflected on payoff, but can include only a maximum of two months"]
[" Other allowable fees/charges included in payoff",null,null,{"$f":"'Simple Refinance'!AV40","v":0},"  \\  Other allowable fees/charges included in payoff (ie: fax fee, copy fee, etc.)"]
[{"$f":"B470","v":"Current servicer to refund current impound account to borrower after closing"},null,null,{"$f":"'Simple Refinance'!AV41","v":0},"  \\  Escrow overage amount as reflected on payoff"]
[" Less MIP refund (enter as positive figure)",null,null,{"$f":"'Simple Refinance'!AV42","v":0},"  \\  MIP refund amount as reflected on FHA Connection Refinance Authorization"]
[" Repairs required by appraiser that have been completed and paid by borrower",null,null,{"$f":"'Simple Refinance'!AV43","v":0},"  \\  Repairs required by appraiser that have been completed and paid by borrower"]
["N/A - Equity to ex-spouse cannot be included on Simple Refinance",null,null,0,"  \\  Equity to ex-spouse (supporting documentation provided)"]
["N/A - Purchase money second mortgage cannot be paid off, must be subordinated",null,null,0,"  \\  Purchase money second mortgage to be paid off (no seasoning required)",null,null,null,null,null,"***"]
["N/A - Other property-related liens cannot be paid off, must be subordinated",null,null,0,"  \\  Other property-related liens (seasoned at least 1 year) to be paid off",null,null,null,null,null,"***"]
[" Borrower paid allowable closing costs, prepaids and per diem interest",null,null,{"$f":"'Simple Refinance'!AV47","v":0},"  \\  Borrower paid allowable closing costs, prepaids and per diem interest"]
[" Reasonable discount points amount",null,null,{"$f":"'Simple Refinance'!AV48","v":0},"  \\  Reasonable discount points amount"]
[" Less additional borrower contributions for lower loan amount requested",null,null,{"$f":"'Simple Refinance'!AV61","v":0},"  \\  Additional desired and required borrower contributions for lower loan amount requested"]
[]
[" HUD Energy Efficient Mortgage Program Adjustments"]
["Cost of Improvements that exceed 2000 IECC (new construction only)",null,null,{"$f":"'Simple Refinance'!AV52","v":0}]
["Installed Cost of Energy Improvements (existing construction)",null,null,{"$f":"'Simple Refinance'!AV53","v":0}]
["Expected Energy Savings over useful life of improvements per HERS report",null,null,{"$f":"'Simple Refinance'!AV54","v":0}]
["Cost of HERS, audit and/or Inspection reports (copy of receipts required)",null,null,{"$f":"'Simple Refinance'!AV55","v":0}]
["Max amount of Energy Eff. Improvement cost (FHA Connection EEM calculator)",null,null,{"$f":"'Simple Refinance'!AV56","v":0}]
["Solar system cost allowance (see HUD Handbook 4000.1, Section II.8.m.iv)",null,null,{"$f":"'Simple Refinance'!AV57","v":0}]
["Cost-Effective Energy Package",null,null,{"$f":"MAX(SUM(D414:D417),D418)+D419","v":0}]
[]
[" Subtotal of all items to add",null,{"$f":"D396+D399+D400+D401+D402+D405+D406+D407+D408+D409+D410","v":0},{"$f":"D396+D399+D400+D401+D402+D405+D406+D407+D408+D409+D410+D420","v":0},"  \\  Sub-total of all the items listed above that are added together as part of determining maximum base loan amount"]
[" Subtotal of all items to subtract",null,{"$f":"D403+D404+D411","v":0},{"$f":"IF(B463=TRUE,D403+D404+D411,D404+D411)","v":0},"  \\  Sub-total of all the items listed above that are subtracted as part of determining maximum base loan amount"]
[" Total",null,null,{"$f":"D422-D423","v":0},"  \\  Total of the two items listed above (additions and subtractions as part of determining maximum base loan amount)"]
[]
[" All Information missing",null,null,{"$f":"IF(AND(D374=0,D375=0,D377=275665,D379=0,D396=0),TRUE,FALSE)","v":false},"  \\  True = all minimum required information missing as on blank worksheet, False = all minimum required information has been provided"]
[" Partial information missing",null,null,{"$f":"IF(OR(D374=0,D374=\"\",D375=0,D375=\"\",D377=0,D377=\"\",D379=0,D379=\"\",D396=0,D396=\"\"),TRUE,FALSE)","v":true},"  \\  True = partial minimum required information missing as on blank worksheet, False = all minimum required information has been provided"]
[]
["Missing Data"]
[" Case assignment date",null,{"$f":"IF(AND(D374=0,D375<>0,D377<>0,D379<>0,D396<>0),TRUE,FALSE)","v":false},"Base Loan Amount cannot be calculated due to missing Case Assignment date"]
[" Case endorsement date",null,{"$f":"IF(AND(D374<>0,D375=0,D377<>0,D379<>0,D396<>0),TRUE,FALSE)","v":false},"Base Loan Amount cannot be calculated due to missing Case Endorsement date"]
[" County Limit",null,{"$f":"IF(AND(D374<>0,D375<>0,D377=0,D379<>0,D396<>0),TRUE,FALSE)","v":false},"Base Loan Amount cannot be calculated due to missing County Limit"]
[" Appraised Value",null,{"$f":"IF(AND(D374<>0,D375<>0,D377<>0,D379=0,D396<>0),TRUE,FALSE)","v":false},"Base Loan Amount cannot be calculated due to missing Appraised Value"]
[" Unpaid Principal Balance",null,{"$f":"IF(AND(D374<>0,D375<>0,D377<>0,D379<>0,D396=0),TRUE,FALSE)","v":false},"Base Loan Amount cannot be calculated due to missing Unpaid Principal Balance"]
[]
[" Base Loan Amount message",null,null,{"$f":"IF(AND(D426=TRUE,D427=TRUE),\"Base Loan Amount (maximum mortgage before UFMIP)\",IF(OR(C430=TRUE,C431=TRUE,C432=TRUE,C433=TRUE,C434=TRUE),VLOOKUP(TRUE,C430:D434,2,FALSE),IF(AND(D426=FALSE,D427=TRUE),\"Base Loan Amount cannot be calculated due to missing minimum required information\",CONCATENATE(\"Base Loan Amount at \",ROUND(D444*100,2),\"% LTV (maximum mortgage before UFMIP)\"))))","v":"Base Loan Amount cannot be calculated due to missing minimum required information"}]
[]
[" Base Loan Amount (maximum mortgage before UFMIP)",null,null,{"$f":"IF(D427=TRUE,0,ROUNDDOWN(MIN(D377,D391*D394,D424),0))","v":0},"  \\  Base loan amount calculated"]
[" UFMIP Factor",null,null,{"$f":"IF(D438=0,0,IF(AND(D375>0,D375<39965),0.01%,1.75%))","v":0},"  \\  UFMIP factor calculated"]
[" UFMIP Amount",null,null,{"$f":"D438*D439","v":0},"  \\  UFMIP amount calculated"]
[" UFMIP Amount Financed",null,1,{"$f":"IF(C441=1,D440,0)","v":0},"  \\  UFMIP amount financed as indicated by user"]
[" Total Loan Amount",null,null,{"$f":"ROUNDDOWN(D438+D441,0)","v":0},"  \\  Total loan amount calculated"]
[]
[" LTV",null,null,{"$f":"IF(OR(D379=0,D438=0),0,D438/D379)","v":0},"  \\  LTV calculated"]
[]
[" Interest Rate",null,null,{"$f":"'Simple Refinance'!J71","v":0},"  \\  Interest rate as entered by user"]
[]
[" Loan Term",null,null,{"$f":"'Simple Refinance'!AA71","v":0},"  \\  Loan term as entered by user"]
[]
[" Principal & Interest Payment",null,null,{"$f":"IF(OR(D442=0,D446=\"\",D448=\"\"),0,ABS(PMT(D446/12,D448,D442)))","v":0},"  \\  Principal and interest payment calculated"]
[]
[" Interest Due Date Month",null,null,{"$f":"IF(D397=\"\",\"\",MONTH(D397))","v":""},"  \\  The number of the month for the interest due date entered"]
[" Previous Month",null,null,{"$f":"IF(D452=\"\",\"\",IF(D452=1,12,D452-1))","v":""},"  \\  The number of the previous month for the interest due date entered"]
[" Month Next Payment is Due",null,null,{"$f":"IF(D397<>\"\",CONCATENATE(\"/ due for \",VLOOKUP(D452,$A$690:$B$701,2),\" payment)\"),\"\")","v":""},"  \\  Message for the month the next payment is due"]
[" INTDUEPAYOFF",null,null,{"$f":"IF(AND(D397<>\"\",D397<>0),CONCATENATE(\"Interest due for the month of \",VLOOKUP(D453,$A$690:$B$701,2),\" (due with \",VLOOKUP(D452,$A$690:$B$701,2),\" payment, if not yet paid)\"),\"Interest due for the previous month (due with current month's payment).\")","v":"Interest due for the previous month (due with current month's payment)."},"  \\  Message disclosing interest due for the month as based on payoff interest due date, payment due date"]
[" INTDUECURRENT",null,null,{"$f":"IF(D397<>\"\",CONCATENATE(\"Interest due through the date the mortgage is paid in full (the month loan is closing)\"),\"Interest Due for the current month.\")","v":"Interest Due for the current month."},"  \\  Up to 30 days of interest due on the month loan is being paid off"]
[]
[" FHA Annual MIP Percentage",null,null,{"$f":"IF(OR(D442=0,D446=0,D448=0,D375=0),\"\",VLOOKUP(TRUE,F475:G485,2,FALSE))","v":""},"  \\  Annual MIP factor calculated"]
[" FHA Annual MIP Amount",null,null,{"$f":"IF(OR(D442=0,D446=0,D448=0,D375=0),\"\",F506)","v":""},"  \\  Annual MIP amount calculated"]
[]
["IMPOUND ACCOUNT SELECTIONS  —  SIMPLE REFINANCE"]
[]
[" Option #1",false,null,null,"  \\  Deduct current impound account from principal balance. "]
[" Option #2",false,null,null,"  \\  Credit the current impound account to cover the new closing costs and new impound account."]
[" Option #3",true,null,null,"  \\  The current impound account is to be refunded to the borrower by the servicer after closing."]
[null,null,null,null,"  \\  The current impound account is to be rolled from the current Stearns to Stearns (deleted 04/06/2015)"]
[]
[" Error Test",{"$f":"COUNTIF(B463:B465,\"TRUE\")","v":1}]
[]
[" Impound Acct Option Selected",{"$f":"IF(B468>1,\"ERROR:  Must select only ONE of the Impound Account Options above\",IF(B463=TRUE,\"Deduct current impound account from principal balance\",IF(B464=TRUE,\"Credit the current impound account to cover the new costs/impounds\",IF(B465=TRUE,\"Current servicer to refund current impound account to borrower after closing\",\"Please select one of the Impound Account Options above\"))))","v":"Current servicer to refund current impound account to borrower after closing"}]
[]
[]
["CHART FOR ANNUAL MIP WITH LOAN TERMS FROM 181 TO 360"]
["Term","Base\nLoan Amount (greater than)","LTV\n(greater than)","LTV\n(less than/equal to)","Endorsed\nPre 06/01/2009","Final","AMIPFactor"]
[" 30 year Fixed",0,0,0.95,null,{"$f":"IF(AND($D$438<=625000,$D$448>180,$D$444<=95%,$D$375>39964),TRUE,FALSE)","v":false},8.0000000000000002E-3]
[" 30 year Fixed",0,0.95,1,null,{"$f":"IF(AND($D$438<=625000,$D$448>180,$D$444>95%,$D$375>39964),TRUE,FALSE)","v":false},8.5000000000000006E-3]
[" 30 year Fixed",625500,0,0.95,null,{"$f":"IF(AND($D$438>625000,$D$448>180,$D$444<=95%,$D$375>39964),TRUE,FALSE)","v":false},0.01]
[" 30 year Fixed",625500,0.95,1,null,{"$f":"IF(AND($D$438>625000,$D$448>180,$D$444>95%,$D$375>39964),TRUE,FALSE)","v":false},1.0500000000000001E-2]
[" 30 year Fixed","All","All","All","2009-06-01",{"$f":"IF(AND($D$448>180,$D$375>0,$D$375<39965),TRUE,FALSE)","v":false},5.4999999999999997E-3]
[" 15 year Fixed",0,0,0.9,null,{"$f":"IF(AND($D$438<=625000,$D$448<181,$D$444<=90%,$D$375>39964),TRUE,FALSE)","v":false},4.4999999999999997E-3]
[" 15 year Fixed",0,0.9,1,null,{"$f":"IF(AND($D$438<=625000,$D$448<181,$D$444>90%,$D$375>39964),TRUE,FALSE)","v":false},7.0000000000000001E-3]
[" 15 year Fixed",625500,0,0.78,null,{"$f":"IF(AND($D$438>625000,$D$448<181,$D$444<=78%,$D$375>39964),TRUE,FALSE)","v":false},4.4999999999999997E-3]
[" 15 year Fixed",625500,0.78,0.9,null,{"$f":"IF(AND($D$438>625000,$D$448<181,$D$444>78%,$D$444<=90%,$D$375>39964),TRUE,FALSE)","v":false},7.0000000000000001E-3]
[" 15 year Fixed",625500,0.9,1,null,{"$f":"IF(AND($D$438>625000,$D$448<181,$D$444>90%,$D$375>39964),TRUE,FALSE)","v":false},9.4999999999999998E-3]
[" 15 year Fixed","All","All","All","2009-06-01",{"$f":"IF(AND($D$448<181,$D$375>0,$D$375<39965),TRUE,FALSE)","v":false},5.4999999999999997E-3]
[]
[]
["ANNUAL MIP CALCULATIONS  —  SIMPLE REFINANCE"]
[null,"Previous Balance","Prev Bal X Rate","Previous div by 12","Prev plus prev bal","Prev less P&I"]
[" Month #1",null,null,null,null,{"$f":"D442","v":0}]
[" Month #2",{"$f":"F490","v":0},{"$f":"B491*$D$244","v":0},{"$f":"C491/12","v":0},{"$f":"B491+D491","v":0},{"$f":"E491-$D$450","v":0}]
[" Month #3",{"$f":"F491","v":0},{"$f":"B492*$D$244","v":0},{"$f":"C492/12","v":0},{"$f":"B492+D492","v":0},{"$f":"E492-$D$450","v":0}]
[" Month #4",{"$f":"F492","v":0},{"$f":"B493*$D$244","v":0},{"$f":"C493/12","v":0},{"$f":"B493+D493","v":0},0]
[" Month #5",0,0,0,0,0]
[" Month #6",0,0,0,0,0]
[" Month #7",0,0,0,0,0]
[" Month #8",0,0,0,0,0]
[" Month #9",0,0,0,0,0]
[" Month #10",0,0,0,0,0]
[" Month #11",0,0,0,0,0]
[" Month #12",0,0,0,0,0]
[" Total all balances from twelve months",null,null,null,null,{"$f":"SUM(F490:F501)","v":0}]
[" Divide by 12 to attain average outstanding balance",null,null,null,null,{"$f":"F502/12","v":0}]
[" Previous results X Annual MIP Factor",null,null,null,null,{"$f":"IF(F503=0,0,F503*D458)","v":0}]
[" Annual MIP (previous results divided by (1 divided by UFMIP in decimal form, ie 0.0175)",null,null,null,null,{"$f":"IF(C441=2,F504/1,F504/(1+D439))","v":0}]
[" ANNUAL MIP (previous results divided by 12 months)",null,null,null,null,{"$f":"IF(C441=2,F504/12,F505/12)","v":0}]
[]
["REFINANCE  ―  STREAMLINE"]
[]
[" Today's Date",{"$f":"TODAY()","v":"2020-09-25"}]
[" End of Month",{"$f":"EOMONTH(B510,0)","v":"2020-09-30"}]
[" Days between the two",{"$f":"B511-B510","v":5}]
[" End of Month to use in calcs",{"$f":"IF(B512<11,EOMONTH(B510,1),EOMONTH(B510,0))","v":"2020-10-31"}]
[]
[" Case Number Assignment Date",null,null,{"$f":"IF(OR('Streamline Refinance'!AR11=0,'Streamline Refinance'!AR11<0,'Streamline Refinance'!AR11=\"\"),\"\",'Streamline Refinance'!AR11)","v":""}]
[" Case Number Endorsement Date",null,null,{"$f":"IF(OR('Streamline Refinance'!P11=0,'Streamline Refinance'!P11<0,'Streamline Refinance'!P11=\"\"),\"\",'Streamline Refinance'!P11)","v":""}]
[]
[" County Limit",null,null,{"$f":"'Streamline Refinance'!AV14","v":331760}]
[]
[" Appraised Value",null,null,{"$f":"'Streamline Refinance'!AV18","v":0}]
[]
[" Escrow Account Options",null,null,1]
[]
[]
[]
[" Unpaid Principal Balance",null,null,{"$f":"'Streamline Refinance'!AV31","v":0}]
[" Interest from (month)",null,null,{"$f":"IF(OR('Streamline Refinance'!Z31=0,'Streamline Refinance'!Z31<0,'Streamline Refinance'!Z31=\"\"),\"\",'Streamline Refinance'!Z31)","v":""},"  \\  The date payoff is due from as reflected on payoff"]
[" Next month loan payment is due ",null,null,{"$f":"IF(D527<>\"\",VLOOKUP(D527,$A$690:$B$701,2),\"\")","v":""},"  \\  What month is the next payment due"]
[" Interest due for the previous month",null,null,{"$f":"'Streamline Refinance'!AV32","v":0},"  \\  The amount of interest that is due for the month previous to the month payment is due"]
[" Interest due for the current month",null,null,{"$f":"'Streamline Refinance'!AV33","v":0}]
[" Annual MIP due as reflected on payoff (maximum 2 months Annual MIP allowed)",null,null,{"$f":"'Streamline Refinance'!AV34","v":0}]
[{"$f":"B575","v":"Please select one of the Impound Account Options above"},null,null,{"$f":"'Streamline Refinance'!AV35","v":0}]
[" Less MIP refund (enter as positive figure)",null,null,{"$f":"'Streamline Refinance'!AV36","v":0}]
[" Repairs required by appraiser that have been completed and paid by borrower",null,null,{"$f":"'Streamline Refinance'!AV37","v":0}]
[" Less additional borrower contributions for lower loan amount requested",null,null,{"$f":"'Streamline Refinance'!AV40","v":0}]
[]
[" Subtotal of all items to add",null,null,{"$f":"D526+D529+D530+D531+D534","v":0}]
[" Subtotal of all items to subtract",null,null,{"$f":"IF(B568=TRUE,D532+D533+D535,D533+D535)","v":0}]
[" Total",null,null,{"$f":"D537-D538","v":0}]
[]
[" Base Loan Amount message",null,null,{"$f":"IF(D549=0,\"Base Loan Amount (maximum mortgage before UFMIP)\",CONCATENATE(\"Base Loan Amount at \",ROUND(D549*100,2),\"% (maximum mortgage before UFMIP)\"))","v":"Base Loan Amount (maximum mortgage before UFMIP)"}]
[]
[" Base Loan Amount (maximum mortgage before UFMIP)",null,null,{"$f":"IF(D539>0,ROUNDDOWN(MIN(D520,D539),0),ROUNDDOWN(D539,0))","v":0}]
[" UFMIP Factor",null,null,{"$f":"IF(D543=0,0,IF(AND(D516>0,D516<39965),0.01%,1.75%))","v":0}]
[" UFMIP Amount",null,null,{"$f":"D543*D544","v":0}]
[" UFMIP Amount Financed",null,1,{"$f":"IF(C546=1,D545,0)","v":0},"  \\  UFMIP amount financed as indicated by user"]
[" Total Loan Amount",null,null,{"$f":"ROUNDDOWN(D543+D546,0)","v":0}]
[]
[" LTV",null,null,{"$f":"IF(D520=0,0,D543/D520)","v":0},"  \\  LTV calculated"]
[]
[" Interest Rate",null,null,{"$f":"'Streamline Refinance'!J50","v":0},"  \\  Interest rate as entered by user"]
[]
[" Loan Term",null,null,{"$f":"'Streamline Refinance'!AA50","v":0},"  \\  Loan term as entered by user"]
[]
[" Principal & Interest Payment",null,null,{"$f":"IF(OR(D547=0,D551=\"\",D553=\"\"),0,ABS(PMT(D551/12,D553,D547)))","v":0},"  \\  Principal and interest payment calculated"]
[]
[" Interest Due Date Month",null,null,{"$f":"IF(D527=\"\",\"\",MONTH(D527))","v":""},"  \\  The number of the month for the interest due date entered"]
[" Previous Month",null,null,{"$f":"IF(D557=\"\",\"\",IF(D557=1,12,D557-1))","v":""},"  \\  The number of the previous month for the interest due date entered"]
[" Month Next Payment is Due",null,null,{"$f":"IF(D527<>\"\",CONCATENATE(\"/ due for \",VLOOKUP(D557,$A$690:$B$701,2),\" payment)\"),\"\")","v":""},"  \\  Message for the month the next payment is due"]
[" INTDUEPAYOFF",null,null,{"$f":"IF(AND(D515<>\"\",D515<>0),CONCATENATE(\"Interest due for the month of \",VLOOKUP(D558,$A$690:$B$701,2),\" (due with \",VLOOKUP(D557,$A$690:$B$701,2),\" payment, if not yet paid)\"),\"Interest Due for the previous month (due with current month's payment).\")","v":"Interest Due for the previous month (due with current month's payment)."},"  \\  Message disclosing interest due for the month as based on payoff interest due date, payment due date"]
[" INTDUECURRENT",null,null,{"$f":"IF(D515<>\"\",CONCATENATE(\"Interest due for the month of \",VLOOKUP(D557,$A$690:$B$701,2),\", the month loan is closing (30 days maximum)\"),\"Interest Due for the current month.\")","v":"Interest Due for the current month."},"  \\  Up to 30 days of interest due on the month loan is being paid off"]
[]
[" FHA Annual MIP Percentage",null,null,{"$f":"IF(OR(D547=0,D551=0,D553=0),\"\",VLOOKUP(TRUE,F580:G590,2,FALSE))","v":""},"  \\  Annual MIP factor calculated"]
[" FHA Annual MIP Amount",null,null,{"$f":"IF(OR(D547=0,D551=0,D553=0),\"\",F611)","v":""},"  \\  Annual MIP amount calculated"]
[]
["IMPOUND ACCOUNT SELECTIONS  --  STREAMLINE REFINANCE"]
[]
[" Option #1",false,null,null,"  \\  Deduct current impound account from principal balance. "]
[" Option #2",false,null,null,"  \\  Credit the current impound account to cover the new closing costs and new impound account."]
[" Option #3",false,null,null,"  \\  The current impound account is to be refunded to the borrower by the servicer after closing."]
[null,null,null,null,"  \\  The current impound account is to be rolled from the current Stearns to Stearns (option deleted 04/06/2015)"]
[]
[" Error Test",{"$f":"COUNTIF(B568:B570,\"TRUE\")","v":0}]
[]
[" Impound Acct Option Selected",{"$f":"IF(B573>1,\"ERROR:  Must select only ONE of the Impound Account Options above\",IF(B568=TRUE,\"Deduct current impound account from principal balance\",IF(B569=TRUE,\"Credit the current impound account to cover the new costs/impounds\",IF(B570=TRUE,\"Current servicer to refund current impound account to borrower after closing\",\"Please select one of the Impound Account Options above\"))))","v":"Please select one of the Impound Account Options above"}]
[]
[]
["CHART FOR ANNUAL MIP WITH LOAN TERMS FROM 181 TO 360"]
["Term","Base\nLoan Amount (greater than)","LTV\n(greater than)","LTV\n(less than/equal to)","Endorsed\nPre 06/01/2009","Final","AMIPFactor"]
[" 30 year Fixed",0,0,0.95,null,{"$f":"IF(AND($D$543<=625000,$D$553>180,$D$549<=95%,$D$516>39964),TRUE,FALSE)","v":false},8.0000000000000002E-3]
[" 30 year Fixed",0,0.95,1,null,{"$f":"IF(AND($D$543<=625000,$D$553>180,$D$549>95%,$D$516>39964),TRUE,FALSE)","v":false},8.5000000000000006E-3]
[" 30 year Fixed",625500,0,0.95,null,{"$f":"IF(AND($D$543>625000,$D$553>180,$D$549<=95%,$D$516>39964),TRUE,FALSE)","v":false},0.01]
[" 30 year Fixed",625500,0.95,1,null,{"$f":"IF(AND($D$543>625000,$D$553>180,$D$549>95%,$D$516>39964),TRUE,FALSE)","v":false},1.0500000000000001E-2]
[" 30 year Fixed","All","All","All","2009-06-01",{"$f":"IF(AND($D$553>180,$D$516>0,$D$516<39965),TRUE,FALSE)","v":false},5.4999999999999997E-3]
[" 15 year Fixed",0,0,0.9,null,{"$f":"IF(AND($D$543<=625000,$D$553<181,$D$549>0%,$D$549<=90%,$D$516>39964),TRUE,FALSE)","v":false},4.4999999999999997E-3]
[" 15 year Fixed",0,0.9,1,null,{"$f":"IF(AND($D$543<=625000,$D$553<181,$D$549>90%,$D$516>39964),TRUE,FALSE)","v":false},7.0000000000000001E-3]
[" 15 year Fixed",625500,0,0.78,null,{"$f":"IF(AND($D$543>625000,$D$553<181,$D$549<=78%,$D$516>39964),TRUE,FALSE)","v":false},4.4999999999999997E-3]
[" 15 year Fixed",625500,0.78,0.9,null,{"$f":"IF(AND($D$543>625000,$D$553<181,$D$549>78%,$D$549<=90%,$D$516>39964),TRUE,FALSE)","v":false},7.0000000000000001E-3]
[" 15 year Fixed",625500,0.9,1,null,{"$f":"IF(AND($D$543>625000,$D$553<181,$D$549>90%,$D$516>39964),TRUE,FALSE)","v":false},9.4999999999999998E-3]
[" 15 year Fixed","All","All","All","2009-06-01",{"$f":"IF(AND($D$553<181,$D$516>0,$D$516<39965),TRUE,FALSE)","v":false},5.4999999999999997E-3]
[]
[]
["ANNUAL MIP CALCULATIONS  --  STREAMLINE REFINANCE"]
[null,"Previous Balance","Prev Bal X Rate","Previous div by 12","Prev plus prev bal","Prev less P&I"]
[" Month #1",null,null,null,null,{"$f":"D547","v":0}]
[" Month #2",{"$f":"F595","v":0},{"$f":"B596*$D$551","v":0},{"$f":"C596/12","v":0},{"$f":"B596+D596","v":0},{"$f":"E596-$D$555","v":0}]
[" Month #3",{"$f":"F596","v":0},{"$f":"B597*$D$551","v":0},{"$f":"C597/12","v":0},{"$f":"B597+D597","v":0},{"$f":"E597-$D$555","v":0}]
[" Month #4",{"$f":"F597","v":0},0,{"$f":"C598/12","v":0},{"$f":"B598+D598","v":0},0]
[" Month #5",0,0,0,0,0]
[" Month #6",0,0,0,0,0]
[" Month #7",0,0,0,0,0]
[" Month #8",0,0,0,0,0]
[" Month #9",0,0,0,0,0]
[" Month #10",0,0,0,0,0]
[" Month #11",0,0,0,0,0]
[" Month #12",0,0,0,0,0]
[" Total all balances from twelve months",null,null,null,null,{"$f":"SUM(F595:F606)","v":0}]
[" Divide by 12 to attain average outstanding balance",null,null,null,null,{"$f":"F607/12","v":0}]
[" Previous results X Annual MIP Factor",null,null,null,null,{"$f":"IF(F608=0,0,F608*D563)","v":0}]
[" Annual MIP (previous results divided by (1 divided by UFMIP in decimal form, ie 0.0175)",null,null,null,null,{"$f":"IF(C546=2,F609/1,F609/(1+D544))","v":0}]
[" ANNUAL MIP (previous results divided by 12 months)",null,null,null,null,{"$f":"IF(C546=2,F609/12,F610/12)","v":0}]
[]
["STREAMLINE REFINANCE:   LOAN AMOUNT COMPARISONS"]
[]
[" Loan Amortization Type Selections"," ~ Select ~"," ~ Select ~"]
[null," Fixed Rate"," Fixed Rate"]
[null," ARM"," 1-year ARM"]
[null,null," Hybrid ARM"]
[]
[null,"Current Loan","Proposed Loan","Difference","Lower","Higher"]
[]
[" Loan Amortization Type",{"$f":"'Streamline Refinance'!AL56","v":"~ Select ~"},{"$f":"'Streamline Refinance'!AV56","v":"~ Select ~"}]
[]
[" Total Loan",{"$f":"'Streamline Refinance'!AL66","v":0},{"$f":"D547","v":0}]
[" Interest Rate",{"$f":"'Streamline Refinance'!AL67","v":0},{"$f":"IF(D551=0,0,D551)","v":0}]
[" Term",{"$f":"'Streamline Refinance'!AL68","v":360},{"$f":"IF(D553=0,0,D553)","v":0}]
[" Total P&I Payment",{"$f":"IF(OR(B624=0,B625=0,B626=0),0,ABS(PMT(B625/12,B626,B624)))","v":0},{"$f":"IF(OR(C624=0,C625=0,C626=0),0,D555)","v":0}]
[" Annual MIP Factor",{"$f":"'Streamline Refinance'!AL70","v":0},{"$f":"D563","v":""}]
[" Annual MIP",{"$f":"'Streamline Refinance'!AL71","v":0},{"$f":"IF(D564=\"\",0,D564)","v":0}]
[" Total P&I and MIP Payment",{"$f":"IF(OR(B627=0,B629=0),0,B627+B629)","v":0},{"$f":"IF(OR(C624=0,C625=0,C626=0),0,C627+C629)","v":0},{"$f":"ABS(C630-B630)","v":0},{"$f":"IF(PMTP<PMTC,TRUE,FALSE)","v":false},{"$f":"IF(PMTP>PMTC,TRUE,FALSE)","v":false}]
[" Difference Amount",null,null,{"$f":"IF(OR(B630=0,C630=0,D630=0),\"\",IF(C630>B630,\"No Reduction\",D630/B630))","v":""}]
[" Difference Percentage"]
[]
[" Current Loan Note Date",{"$f":"IF('Streamline Refinance'!AV59=\"\",\"\",'Streamline Refinance'!AV59)","v":""}]
[" Today's Date",{"$f":"TODAY()","v":"2020-09-25"}]
[" Current Term",{"$f":"B626/12","v":30}]
[" Actual Term Used",{"$f":"IF(B634=\"\",\"\",DATEDIF(B634,B635,\"y\"))","v":""}]
[" Remaining Term",{"$f":"IF(B634=\"\",\"\",B636-B637)","v":""}]
[" Max New Term (Remaining + 12)",{"$f":"IF(B634=\"\",\"\",IF((B638+12)>30,30,B638+12))","v":""},{"$f":"IF(B639>=30,30,IF(AND(B639>=25,B639<30),25,IF(AND(B639>=20,B639<25),20,IF(AND(B639>=15,B639<20),15,0))))","v":30}]
[" Message",{"$f":"CONCATENATE(\"max proposed term = \",C639*12,\" months (\",C639,\" years)\")","v":"max proposed term = 360 months (30 years)"}]
[]
[" Current ARM payment date change",{"$f":"IF('Streamline Refinance'!AV62=\"\",\"\",'Streamline Refinance'!AV62)","v":""}]
[" Months until next payment change",{"$f":"IF(B642=\"\",\"\",ROUNDDOWN(((B642-B513)/365)*12,1))","v":""}]
[" Less than 15 months",{"$f":"IF(B643=\"\",\"\",IF(B643<15,TRUE,FALSE))","v":""}]
[" Greater than 15 months",{"$f":"IF(B643=\"\",\"\",IF(B643>15,TRUE,FALSE))","v":""}]
[]
["STREAMLINE REFINANCE NET TANGIBLE BENEFIT:  COMBINED INTERESTS"]
[]
[null,"Current","Proposed","Difference","Lower","Higher"]
[" Interest Rate",{"$f":"B625","v":0},{"$f":"C625","v":0}]
[" MIP Rate",{"$f":"B628","v":0},{"$f":"IF(D563=\"\",0,D563)","v":0}]
[" Combined Rates",{"$f":"SUM(B650:B651)","v":0},{"$f":"C650+C651","v":0},{"$f":"ABS(CRATEP-CRATEC)","v":0},{"$f":"IF(CRATEP<CRATEC,TRUE,FALSE)","v":false},{"$f":"IF(CRATEP>CRATEC,TRUE,FALSE)","v":false}]
[]
["STREAMLINE REFINANCE NET TANGIBLE BENEFIT:  REDUCTION IN TERM"]
[]
[" Factor #1 - Amortization",{"$f":"IF(C626<B638,TRUE, FALSE)","v":true},"  \\  the remaining amortization period of the existing Mortgage is reduced"]
[" Factor #2 - Interest Rate",{"$f":"IF(CRHIGHER,FALSE,TRUE)","v":true},"  \\  the new interest rate does not exceed the current interest rate"]
[" Factor #3 - P&I and MIP payment",{"$f":"IF(PMTLOWER=TRUE,TRUE,IF(AND(PMTHIGHER=TRUE,PMTDIFFAMT<=50),TRUE,FALSE))","v":false},"  \\  the combined principal, interest and MIP payment of the new Mortgage does not exceed the combined principal, interest and MIP of the refinanced Mortgage by more than $50"]
[]
["STREAMLINE REFINANCE:   NET TANGIBLE PROGRAM TYPES"]
[]
[null,"Programs","Combined Rates","Payments","Pass","Pass / Fail"]
[]
[" TERMRDCTN",{"$f":"IF(B656=TRUE,\"YES\",\"NO\")","v":"YES"},{"$f":"IF(CRHIGHER,FALSE,TRUE)","v":true},{"$f":"IF(PMTLOWER=TRUE,TRUE,IF(AND(PMTHIGHER=TRUE,PMTDIFFAMT<=50),TRUE,FALSE))","v":false},{"$f":"IF(AND(B664=\"YES\",C664=TRUE,D664=TRUE),TRUE,FALSE)","v":false},{"$f":"IF(AND(B664=\"YES\",C664=TRUE,D664=TRUE),\"PASSED\",\"FAILED\")","v":"FAILED"}," Reduction in Term"]
[" FIXED_FIXED",{"$f":"IF(OR(AMRTZTN1=\" ~ Select ~\",AMRTZTN2=\" ~ Select ~\"),\"NO\",IF(AND(AMRTZTN1=\" Fixed Rate\",AMRTZTN2=\" Fixed Rate\"),\"YES\",\"NO\"))","v":"NO"},{"$f":"IF(CRHIGHER=TRUE,FALSE,IF(AND(CRLOWER=TRUE,CRATEDIFF>=0.5%),TRUE,FALSE))","v":false},{"$f":"IF(PMTHIGHER=TRUE,FALSE,IF(AND(PMTLOWER=TRUE,PMTDIFFAMT>=50),TRUE,FALSE))","v":false},{"$f":"IF(AND(B665=\"YES\",C665=TRUE),TRUE,FALSE)","v":false},{"$f":"IF(AND(B664=\"NO\",B665=\"YES\",C665=TRUE),\"PASSED\",\"FAILED\")","v":"FAILED"},"Proposed combined rate must be at least 0.5% below the prior combined rate.",null,null,null," / Proposed must be lower by at least 5%"]
[" FIXED_1ARM",{"$f":"IF(OR(AMRTZTN1=\" ~ Select ~\",AMRTZTN2=\" ~ Select ~\"),\"NO\",IF(AND(AMRTZTN1=\" Fixed Rate\",AMRTZTN2=\" 1-Year ARM\"),\"YES\",\"NO\"))","v":"NO"},{"$f":"IF(CRHIGHER=TRUE,FALSE,IF(AND(CRLOWER=TRUE,CRATEDIFF>=2%),TRUE,FALSE))","v":false},false,{"$f":"IF(AND(B666=\"YES\",C666=TRUE,D666=TRUE),TRUE,FALSE)","v":false},{"$f":"IF(AND(B664=\"NO\",B666=\"YES\",C666=TRUE,D666=TRUE),\"PASSED\",\"FAILED\")","v":"FAILED"},"Proposed combined rate must be at least 2% below the prior combined rate.",null,null,null," / Proposed must be lower by at least 2%"]
[" FIXED_HARMREG",{"$f":"IF(OR(AMRTZTN1=\" ~ Select ~\",AMRTZTN2=\" ~ Select ~\"),\"NO\",IF(AND(AMRTZTN1=\" Fixed Rate\",AMRTZTN2=\" Hybrid ARM\"),\"YES\",\"NO\"))","v":"NO"},{"$f":"IF(CRHIGHER=TRUE,FALSE,IF(AND(CRLOWER=TRUE,CRATEDIFF>=2%),TRUE,FALSE))","v":false},false,{"$f":"IF(AND(B667=TRUE,C667=TRUE,D667=TRUE),TRUE,FALSE)","v":false},{"$f":"IF(AND(B664=\"NO\",B667=\"YES\",C667=TRUE,D667=TRUE),\"PASSED\",\"FAILED\")","v":"FAILED"},"Proposed combined rate must be at least 2% below the prior combined rate.",null,null,null," / Proposed must be lower by at least 2%"]
[" 1ARML15M_FIXED",{"$f":"IF(OR(AMRTZTN1=\" ~ Select ~\",AMRTZTN2=\" ~ Select ~\"),\"NO\",IF(AND(AMRTZTN1=\" 1-Year ARM\",ANPC_L15M=TRUE,AMRTZTN2=\" Fixed Rate\"),\"YES\",\"NO\"))","v":"NO"},{"$f":"IF(CRLOWER=TRUE,TRUE,IF(AND(CRHIGHER=TRUE,CRATEDIFF<=1%),TRUE,FALSE))","v":false},false,false,{"$f":"IF(AND(B664=\"NO\",B668=\"YES\",C668=TRUE,D668=TRUE),\"PASSED\",\"FAILED\")","v":"FAILED"},"Proposed combined rate must not be more than 2% above the prior combined rate.",null,null,null," / Proposed cannot exceed 2% of current"]
[" 1ARML15M_1ARM",{"$f":"IF(OR(AMRTZTN1=\" ~ Select ~\",AMRTZTN2=\" ~ Select ~\"),\"NO\",IF(AND(AMRTZTN1=\" 1-Year ARM\",ANPC_L15M=TRUE,AMRTZTN2=\" 1-Year ARM\"),\"YES\",\"NO\"))","v":"NO"},{"$f":"IF(CRHIGHER=TRUE,FALSE,IF(AND(CRLOWER=TRUE,CRATEDIFF>=1%),TRUE,FALSE))","v":false},false,false,{"$f":"IF(AND(B664=\"NO\",B669=\"YES\",C669=TRUE,D669=TRUE),\"PASSED\",\"FAILED\")","v":"FAILED"},"Proposed combined rate must be at least 1% below the prior combined rate.",null,null,null," / Proposed must be lower by at least 1%"]
[" 1ARML15M_HARMREG",{"$f":"IF(OR(AMRTZTN1=\" ~ Select ~\",AMRTZTN2=\" ~ Select ~\"),\"NO\",IF(AND(AMRTZTN1=\" 1-Year ARM\",ANPC_L15M=TRUE,AMRTZTN2=\" Hybrid ARM\"),\"YES\",\"NO\"))","v":"NO"},{"$f":"IF(CRHIGHER=TRUE,FALSE,IF(AND(CRLOWER=TRUE,CRATEDIFF>=1%),TRUE,FALSE))","v":false},false,false,{"$f":"IF(AND(B664=\"NO\",B670=\"YES\",C670=TRUE,D670=TRUE),\"PASSED\",\"FAILED\")","v":"FAILED"},"Proposed combined rate must be at least 1% below the prior combined rate.",null,null,null," / Proposed must be lower by at least 1%"]
[" HARML15M_FIXED",{"$f":"IF(OR(AMRTZTN1=\" ~ Select ~\",AMRTZTN2=\" ~ Select ~\"),\"NO\",IF(AND(AMRTZTN1=\" Hybrid ARM\",ANPC_L15M=TRUE,AMRTZTN2=\" Fixed Rate\"),\"YES\",\"NO\"))","v":"NO"},{"$f":"IF(CRLOWER=TRUE,TRUE,IF(AND(CRHIGHER=TRUE,CRATEDIFF<=1%),TRUE,FALSE))","v":false},false,false,{"$f":"IF(AND(B664=\"NO\",B671=\"YES\",C671=TRUE,D671=TRUE),\"PASSED\",\"FAILED\")","v":"FAILED"},"Proposed combined rate must not be more than 2% above the prior combined rate.",null,null,null," / Proposed cannot exceed 2% of current"]
[" HARML15M_1ARM",{"$f":"IF(OR(AMRTZTN1=\" ~ Select ~\",AMRTZTN2=\" ~ Select ~\"),\"NO\",IF(AND(AMRTZTN1=\" Hybrid ARM\",ANPC_L15M=TRUE,AMRTZTN2=\" 1-Year ARM\"),\"YES\",\"NO\"))","v":"NO"},{"$f":"IF(CRHIGHER=TRUE,FALSE,IF(AND(CRLOWER=TRUE,CRATEDIFF>=1%),TRUE,FALSE))","v":false},false,false,{"$f":"IF(AND(B664=\"NO\",B672=\"YES\",C672=TRUE,D672=TRUE),\"PASSED\",\"FAILED\")","v":"FAILED"},"Proposed combined rate must be at least 1% below the prior combined rate.",null,null,null," / Proposed must be lower by at least 1%"]
[" HARML15M_HYBRID",{"$f":"IF(OR(AMRTZTN1=\" ~ Select ~\",AMRTZTN2=\" ~ Select ~\"),\"NO\",IF(AND(AMRTZTN1=\" Hybrid ARM\",ANPC_L15M=TRUE,AMRTZTN2=\" Hybrid ARM\"),\"YES\",\"NO\"))","v":"NO"},{"$f":"IF(CRHIGHER=TRUE,FALSE,IF(AND(CRLOWER=TRUE,CRATEDIFF>=1%),TRUE,FALSE))","v":false},false,false,{"$f":"IF(AND(B664=\"NO\",B673=\"YES\",C673=TRUE,D673=TRUE),\"PASSED\",\"FAILED\")","v":"FAILED"},"Proposed combined rate must be at least 1% below the prior combined rate.",null,null,null," / Proposed must be lower by at least 1%"]
[" 1ARMG15M_FIXED",{"$f":"IF(OR(AMRTZTN1=\" ~ Select ~\",AMRTZTN2=\" ~ Select ~\"),\"NO\",IF(AND(AMRTZTN1=\" 1-Year ARM\",ANPC_G15M=TRUE,AMRTZTN2=\" Fixed Rate\"),\"YES\",\"NO\"))","v":"NO"},{"$f":"IF(CRLOWER=TRUE,TRUE,IF(AND(CRHIGHER=TRUE,CRATEDIFF<=1%),TRUE,FALSE))","v":false},false,false,{"$f":"IF(AND(B664=\"NO\",B674=\"YES\",C674=TRUE,D674=TRUE),\"PASSED\",\"FAILED\")","v":"FAILED"},"Proposed combined rate must not be more than 2% above the prior combined rate.",null,null,null," / Proposed cannot exceed 2% of current"]
[" 1ARMG15M_1ARM",{"$f":"IF(OR(AMRTZTN1=\" ~ Select ~\",AMRTZTN2=\" ~ Select ~\"),\"NO\",IF(AND(AMRTZTN1=\" 1-Year ARM\",ANPC_G15M=TRUE,AMRTZTN2=\" 1-Year ARM\"),\"YES\",\"NO\"))","v":"NO"},{"$f":"IF(CRHIGHER=TRUE,FALSE,IF(AND(CRLOWER=TRUE,CRATEDIFF>=2%),TRUE,FALSE))","v":false},false,false,{"$f":"IF(AND(B664=\"NO\",B675=\"YES\",C675=TRUE,D675=TRUE),\"PASSED\",\"FAILED\")","v":"FAILED"},"Proposed combined rate must be at least 2% below the prior combined rate.",null,null,null," / Proposed must be lower by at least 2%"]
[" 1ARMG15M_HARMREG",{"$f":"IF(OR(AMRTZTN1=\" ~ Select ~\",AMRTZTN2=\" ~ Select ~\"),\"NO\",IF(AND(AMRTZTN1=\" 1-Year ARM\",ANPC_G15M=TRUE,AMRTZTN2=\" Hybrid ARM\"),\"YES\",\"NO\"))","v":"NO"},{"$f":"IF(CRHIGHER=TRUE,FALSE,IF(AND(CRLOWER=TRUE,CRATEDIFF>=1%),TRUE,FALSE))","v":false},false,false,{"$f":"IF(AND(B664=\"NO\",B676=\"YES\",C676=TRUE,D676=TRUE),\"PASSED\",\"FAILED\")","v":"FAILED"},"Proposed combined rate must be at least 1% below the prior combined rate.",null,null,null," / Proposed must be lower by at least 1%"]
[" HARMG15M_FIXED",{"$f":"IF(OR(AMRTZTN1=\" ~ Select ~\",AMRTZTN2=\" ~ Select ~\"),\"NO\",IF(AND(AMRTZTN1=\" Hybrid ARM\",ANPC_G15M=TRUE,AMRTZTN2=\" Fixed Rate\"),\"YES\",\"NO\"))","v":"NO"},{"$f":"IF(CRLOWER=TRUE,TRUE,IF(AND(CRHIGHER=TRUE,CRATEDIFF<=1%),TRUE,FALSE))","v":false},false,false,{"$f":"IF(AND(B664=\"NO\",B677=\"YES\",C677=TRUE,D677=TRUE),\"PASSED\",\"FAILED\")","v":"FAILED"},"Proposed combined rate must not be more than 2% above the prior combined rate.",null,null,null," / Proposed cannot exceed 2% of current"]
[" HARMG15M_1ARM",{"$f":"IF(OR(AMRTZTN1=\" ~ Select ~\",AMRTZTN2=\" ~ Select ~\"),\"NO\",IF(AND(AMRTZTN1=\" Hybrid ARM\",ANPC_G15M=TRUE,AMRTZTN2=\" 1-Year ARM\"),\"YES\",\"NO\"))","v":"NO"},{"$f":"IF(CRHIGHER=TRUE,FALSE,IF(AND(CRLOWER=TRUE,CRATEDIFF>=2%),TRUE,FALSE))","v":false},false,false,{"$f":"IF(AND(B664=\"NO\",B678=\"YES\",C678=TRUE,D678=TRUE),\"PASSED\",\"FAILED\")","v":"FAILED"},"Proposed combined rate must be at least 2% below the prior combined rate.",null,null,null," / Proposed must be lower by at least 2%"]
[" HARMG15M_HYBRID",{"$f":"IF(OR(AMRTZTN1=\" ~ Select ~\",AMRTZTN2=\" ~ Select ~\"),\"NO\",IF(AND(AMRTZTN1=\" Hybrid ARM\",ANPC_G15M=TRUE,AMRTZTN2=\" Hybrid ARM\"),\"YES\",\"NO\"))","v":"NO"},{"$f":"IF(CRHIGHER=TRUE,FALSE,IF(AND(CRLOWER=TRUE,CRATEDIFF>=1%),TRUE,FALSE))","v":false},false,false,{"$f":"IF(AND(B664=\"NO\",B679=\"YES\",C679=TRUE,D679=TRUE),\"PASSED\",\"FAILED\")","v":"FAILED"},"Proposed combined rate must be at least 1% below the prior combined rate.",null,null,null," / Proposed must be lower by at least 1%"]
[null,null,null,null,null,null,null," "]
[null,null,null,null,null,{"$f":"IF(ISERROR(VLOOKUP(\"YES\",B664:F679,5,FALSE)),\"\",VLOOKUP(\"YES\",B664:F679,5,FALSE))","v":"FAILED"},{"$f":"VLOOKUP(\"YES\",B664:G679,6,FALSE)","v":" Reduction in Term"}," "]
[null,null,null,null,null,null,null," "]
[" Message - 1st line",{"$f":"IF(OR(B622=\" ~ Select ~\",C622=\" ~ Select ~\",'Streamline Refinance'!AL66=0,'Streamline Refinance'!AL67=0%,'Streamline Refinance'!AL68=0,'Streamline Refinance'!AL70=0%,'Streamline Refinance'!AL71=0),\"Additional data entry is required to be able to determine Net Tangible Benefit\",CONCATENATE(\"FHA Case Number \",'Streamline Refinance'!AR10,\" has \",F681,\" Net Tangible Benefit Results\"))","v":"Additional data entry is required to be able to determine Net Tangible Benefit"}]
[" Message - 2nd line",{"$f":"IF(OR(F681=\"\",B624=0,C624=0,B626=0,C626=0,CRATEC=0,CRATEP=0),\"\",IF(F681=\"FAILED\",G681,\"\"))","v":""}]
[]
[]
["MONTH NEXT PAYMENT DUE"]
[]
["Month","Name"]
[1,"February"]
[2,"March"]
[3,"April"]
[4,"May"]
[5,"June"]
[6,"July"]
[7,"August"]
[8,"September"]
[9,"October"]
[10,"November"]
[11,"December"]
[12,"January"]

{"sheet":"Simple Refinance","index":57,"n_rows":77,"n_cols":48,"rows_kept":77,"cut":false,"hidden":true,"merged":[[77,1,77,56],[79,1,81,56],[71,2,71,55],[72,1,72,56],[73,1,73,56],[74,1,74,56],[75,1,75,56],[76,1,76,56],[68,2,68,55],[69,2,69,55],[70,2,70,8],[70,9,70,14],[70,16,70,25],[70,26,70,29],[70,31,70,39],[70,40,70,45],[70,47,70,55],[65,2,65,46],[65,47,65,55],[66,2,66,18],[66,44,66,46],[66,47,66,55],[67,2,67,46],[67,47,67,55],[60,2,60,46],[60,47,60,55],[61,2,61,55],[62,2,62,55],[63,2,63,55],[64,2,64,46],[64,47,64,55],[56,2,56,46],[56,47,56,55],[57,2,57,46],[57,47,57,55],[58,2,58,55],[59,2,59,55],[53,2,53,46],[53,47,53,55],[54,2,54,46],[54,47,54,55],[55,2,55,46],[55,47,55,55],[48,2,48,55],[49,2,49,55],[50,2,50,55],[51,2,51,46],[51,47,51,55],[52,2,52,46],[52,47,52,55],[45,2,45,46],[45,47,45,55],[46,2,46,46],[46,47,46,55],[47,2,47,46],[47,47,47,55],[42,2,42,46],[42,47,42,55],[43,2,43,46],[43,47,43,55],[44,2,44,46],[44,47,44,55],[39,2,39,46],[39,47,39,55],[40,2,40,46],[40,47,40,55],[41,2,41,46],[41,47,41,55],[36,2,36,46],[36,47,36,55],[37,2,37,46],[37,47,37,55],[38,2,38,46],[38,47,38,55],[31,4,31,54],[32,2,32,55],[33,2,33,55],[34,2,34,55],[35,2,35,24],[35,25,35,30],[35,31,35,46],[35,47,35,55],[25,2,25,55],[26,2,26,55],[27,2,27,55],[28,2,28,55],[29,4,29,54],[30,4,30,54],[22,2,22,46],[22,47,22,55],[23,2,23,46],[23,47,23,55],[24,2,24,46],[24,47,24,55],[20,2,20,46],[20,47,20,55],[21,2,21,46],[21,47,21,55],[14,2,14,55],[15,2,15,55],[16,2,16,55],[17,2,17,46],[17,47,17,55],[18,2,18,46],[18,47,18,55],[12,2,12,55],[13,2,13,8],[13,9,13,19],[13,20,13,27],[13,28,13,44],[13,45,13,46],[13,47,13,55],[19,2,19,46],[19,47,19,55],[9,2,9,4],[9,5,9,14],[9,15,9,24],[9,25,9,32],[9,33,9,42],[9,43,9,52],[9,53,9,55],[10,2,10,55],[11,2,11,55],[7,2,7,4],[7,5,7,24],[7,25,7,32],[7,33,7,52],[7,53,7,55],[8,2,8,4],[8,5,8,14],[8,15,8,24],[8,25,8,32],[8,33,8,42],[8,43,8,52],[8,53,8,55],[4,2,4,55],[5,2,5,55],[6,2,6,4],[6,5,6,24],[6,25,6,32],[6,33,6,52],[6,53,6,55],[0,1,0,56],[1,1,1,56],[2,2,2,55],[3,2,3,10],[3,11,3,33],[3,34,3,36],[3,37,3,44],[3,45,3,55]]}
[]
[null,"FHA Maximum Mortgage Calculation Worksheet\nSimple Refinance"]
[]
[null,null,"Borrower Name",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,null,null,null,null,null,null,"Loan Number",null,null,null,null,null,null,null,""]
[]
[null,null,"Case Number Assignments"]
[null,null,null,null,null,"Old (current loan)",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,"New (subject loan)"]
[]
[null,null,null,null,null,"Case Number:",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,"Case Number:"]
[null,null,null,null,null,"Endorsement Date:",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,"Assignment Date:"]
[]
[null,null,"County Limit"]
[]
[null,null,"County Limit",null,null,null,null,null,null,"(FHA mortgage limits)",null,null,null,null,null,null,null,null,null,null," County Name:",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,331760]
[]
[null,null,{"$f":"Data_FHA!D392","v":"Adjusted Value"}]
[]
[null,null,"Appraised Value",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,"Date of property acquisition"]
[null,null,"Date borrower began occupying property as primary residence"]
[null,null,"Original Purchase Price",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Documented Improvements made subsequent to the purchase",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Total Acquisition Cost (sales price plus documented repairs subsequent to the purchase)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D389","v":0}]
[null,null,"(acquisition date, occupancy date and original sales price are required to calculate loan amount)"]
[null,null,"Impound Account Options (chosen by borrower)"]
[null,null,"Borrower has chosen the following option regarding existing impound account:"]
[null,null,"(Disclosure must be in loan file, signed and dated by borrower, and reflect option selected by borrower)"]
[]
[null,null,null,null,"Deduct current impound account from principal balance. "]
[null,null,null,null,"The current impound account is to be refunded to the borrower by the servicer after closing."]
[]
[]
[null,null,"Sum of Existing Debt and Costs Associated With Loan"]
[]
[null,null,"Unpaid Principal Balance ONLY (interest from:",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,{"$f":"Data_FHA!D454","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"Data_FHA!D455","v":"Interest due for the previous month (due with current month's payment)."},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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Interest due through the date the mortgage is paid in full (projected funding date)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Annual MIP due as reflected on payoff (maximum 2 months Annual MIP allowed)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Other allowable fees/charges included in payoff",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"Data_FHA!B470","v":"Current servicer to refund current impound account to borrower after closing"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Less MIP refund (enter as positive figure)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Repairs required by appraiser that have been completed and paid by borrower",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"Data_FHA!A406","v":"N/A - Equity to ex-spouse cannot be included on Simple Refinance"},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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"Data_FHA!A407","v":"N/A - Purchase money second mortgage cannot be paid off, must be subordinated"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"Data_FHA!A408","v":"N/A - Other property-related liens cannot be paid off, must be subordinated"},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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Borrower paid allowable closing costs, prepaids and per diem interest",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Reasonable discount points amount",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,"HUD Energy Efficient Mortgage Program Adjustments"]
[]
[null,null,"Cost of Improvements that exceed 2000 IECC (new construction only)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Installed Cost of Energy Improvements (existing construction)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Expected Energy Savings over useful life of improvements per HERS report",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Cost of HERS, audit and/or Inspection reports (copy of receipts required)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Max amount of Energy Eff. Improvement cost (FHA Connection EEM calculator)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Solar system cost allowance (see HUD Handbook 4000.1, Section II.8.m.iv)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Cost-Effective Energy Package",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D420","v":0}]
[]
[]
[null,null,"Less additional borrower contributions for lower loan amount requested",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,"Calculated Maximum Loan Amount"]
[]
[null,null,{"$f":"Data_FHA!D436","v":"Base Loan Amount cannot be calculated due to missing minimum required information"},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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D438","v":0}]
[null,null,"UFMIP Factor",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D439","v":0}]
[null,null,"UFMIP Amount",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D440","v":0}]
[null,null,"Total Loan Amount",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D442","v":0}]
[]
[]
[null,null,"Interest Rate",null,null,null,null,null,null,null,null,null,null,null,null,null,"Loan Term (months)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"FHA Annual MIP",null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D458","v":""},null,null,null,null,null,null,{"$f":"Data_FHA!D459","v":""}]
[]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility"]
[null,"for the accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet."]
[null,"It is the responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any"]
[null,"documentation used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Streamline Refinance","index":58,"n_rows":134,"n_cols":48,"rows_kept":134,"cut":false,"hidden":true,"merged":[[131,1,131,56],[132,1,132,56],[133,1,133,56],[134,1,134,56],[136,1,138,56],[124,2,124,56],[125,2,125,56],[126,2,126,56],[128,2,128,56],[129,2,129,56],[130,1,130,56],[117,3,117,56],[118,3,118,56],[119,2,119,56],[121,1,121,56],[122,2,122,56],[123,2,123,56],[111,1,111,56],[112,1,112,56],[113,2,113,56],[114,2,114,56],[115,3,115,56],[116,3,116,56],[105,1,105,56],[106,2,106,56],[107,2,107,56],[108,2,108,56],[109,2,109,56],[110,2,110,56],[99,2,99,56],[100,2,100,56],[101,2,101,56],[102,2,102,56],[103,2,103,56],[104,2,104,56],[93,2,93,55],[94,1,94,56],[95,1,95,56],[96,2,96,56],[97,2,97,56],[98,2,98,56],[88,41,92,41],[88,42,92,42],[88,43,92,54],[88,55,92,55],[89,2,89,13],[90,2,90,13],[91,2,91,13],[92,2,92,13],[88,2,88,13],[88,14,92,14],[88,15,92,26],[88,27,92,27],[88,28,92,28],[88,29,92,40],[83,41,87,41],[83,42,87,42],[83,43,87,54],[83,55,87,55],[84,2,84,13],[85,2,85,13],[86,2,86,13],[87,2,87,13],[83,2,83,13],[83,14,87,14],[83,15,87,26],[83,27,87,27],[83,28,87,28],[83,29,87,40],[81,2,82,13],[81,14,81,27],[81,28,81,41],[81,42,81,55],[82,14,82,27],[82,28,82,41],[82,42,82,55],[78,2,78,13],[78,14,78,55],[79,2,80,13],[79,14,79,27],[79,28,79,41],[79,42,79,55],[80,14,80,27],[80,28,80,41],[80,42,80,55],[72,2,72,55],[73,2,73,55],[74,2,74,55],[75,2,75,55],[76,2,76,55],[77,2,77,55],[70,2,70,35],[70,37,70,45],[70,47,70,55],[71,2,71,35],[71,37,71,45],[71,47,71,55],[68,2,68,35],[68,37,68,45],[68,47,68,55],[69,2,69,35],[69,37,69,45],[69,47,69,55],[66,2,66,35],[66,37,66,45],[66,47,66,55],[67,2,67,13],[67,14,67,35],[67,37,67,45],[67,47,67,55],[64,2,64,36],[64,37,64,45],[64,47,64,55],[65,2,65,35],[65,37,65,45],[65,47,65,55],[59,2,59,55],[60,2,60,55],[61,2,61,45],[61,47,61,55],[62,2,62,55],[63,2,63,55],[55,2,55,35],[55,37,55,45],[55,47,55,55],[56,2,56,55],[57,2,57,55],[58,2,58,45],[58,47,58,55],[49,47,49,55],[50,2,50,55],[51,1,51,56],[52,1,52,56],[53,2,53,55],[54,2,54,35],[54,37,54,45],[54,47,54,55],[46,2,46,46],[46,47,46,55],[47,2,47,55],[48,2,48,55],[49,2,49,8],[49,9,49,14],[49,16,49,25],[49,26,49,29],[49,31,49,39],[49,40,49,45],[42,2,42,55],[43,2,43,46],[43,47,43,55],[44,2,44,46],[44,47,44,55],[45,2,45,19],[45,20,45,46],[45,47,45,55],[37,2,37,55],[38,2,38,55],[39,2,39,46],[39,47,39,55],[40,2,40,55],[41,2,41,55],[34,2,34,46],[34,47,34,55],[35,2,35,46],[35,47,35,55],[36,2,36,46],[36,47,36,55],[31,2,31,46],[31,47,31,55],[32,2,32,46],[32,47,32,55],[33,2,33,46],[33,47,33,55],[25,4,25,54],[26,4,26,54],[27,2,27,55],[28,2,28,55],[29,2,29,55],[30,2,30,24],[30,25,30,30],[30,31,30,46],[30,47,30,55],[19,2,19,55],[20,2,20,55],[21,2,21,55],[22,2,22,55],[23,2,23,55],[24,4,24,54],[14,2,14,55],[15,2,15,55],[16,2,16,55],[17,2,17,46],[17,47,17,55],[18,2,18,55],[11,2,11,55],[12,2,12,55],[13,2,13,8],[13,9,13,19],[13,20,13,27],[13,28,13,44],[13,45,13,46],[13,47,13,55],[9,43,9,52],[9,53,9,56],[10,2,10,4],[10,5,10,14],[10,15,10,24],[10,25,10,32],[10,33,10,42],[10,43,10,52],[10,53,10,56],[8,2,8,4],[8,5,8,24],[8,25,8,32],[8,33,8,52],[8,53,8,56],[9,2,9,4],[9,5,9,14],[9,15,9,24],[9,25,9,32],[9,33,9,42],[4,2,4,55],[5,2,5,55],[6,2,6,55],[7,2,7,4],[7,5,7,24],[7,25,7,32],[7,33,7,52],[7,53,7,56],[0,1,0,56],[1,1,1,56],[2,2,2,55],[3,2,3,10],[3,11,3,33],[3,34,3,36],[3,37,3,44],[3,45,3,55]]}
[]
[null,"FHA Maximum Mortgage Calculation Worksheet\nStreamline Refinance"]
[]
[null,null,"Borrower Name",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,null,null,null,null,null,null,"Loan Number",null,null,null,null,null,null,null,""]
[]
[]
[null,null,"Case Number Assignments"]
[null,null,null,null,null,"Old (current loan)",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,"New (subject loan)"]
[]
[null,null,null,null,null,"Case Number:",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,"Case Number:"]
[null,null,null,null,null,"Endorsement Date:",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,"Assignment Date:"]
[]
[]
[null,null,"County Limit",null,null,null,null,null,null,"(FHA mortgage limits)",null,null,null,null,null,null,null,null,null,null," County Name:",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,331760]
[]
[]
[null,null,"Appraised Value"]
[null,null,"Appraised Value (Appraisal, AVM or as reflected on FHAC Refinance Authorization)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[]
[]
[null,null,"Impound Account Options (chosen by borrower)"]
[null,null,"Borrower has chosen the following option regarding existing impound account:"]
[null,null,"(Disclosure must be in loan file, signed and dated by borrower, and reflect option selected by borrower)"]
[]
[null,null,null,null,"Deduct current impound account from principal balance. "]
[null,null,null,null,"The current impound account is to be refunded to the borrower by the servicer after closing."]
[]
[]
[]
[null,null,"Sum of Existing Debt and Costs Associated With Loan"]
[null,null,"Unpaid Principal Balance ONLY (interest from:",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,{"$f":"Data_FHA!D559","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"Data_FHA!D253","v":"Interest due for the previous month (due with current month's payment)."},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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Interest due through the date the mortgage is paid in full (projected funding date)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Annual MIP due as reflected on payoff (maximum 2 months Annual MIP allowed)",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"Data_FHA!B575","v":"Please select one of the Impound Account Options above"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Less MIP refund (enter as positive figure). Cannot exceed the new UFMIP amount.",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,"Repairs required by appraiser that have been completed and paid by borrower",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[]
[]
[null,null,"Less additional borrower contributions for lower loan amount requested",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[]
[null,null,"Calculated Maximum Loan Amount"]
[]
[null,null,{"$f":"Data_FHA!D541","v":"Base Loan Amount (maximum mortgage before UFMIP)"},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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D543","v":0}]
[null,null,"UFMIP Factor",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D544","v":0}]
[null,null,"UFMIP Amount",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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D546","v":0}]
[null,null,"Total Loan Amount",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D547","v":0}]
[]
[]
[null,null,"Interest Rate",null,null,null,null,null,null,null,null,null,null,null,null,null,"Loan Term (months)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"FHA Annual MIP",null,null,null,null,null,null,null,null,{"$f":"Data_FHA!D563","v":""},null,null,null,null,null,null,{"$f":"Data_FHA!D564","v":""}]
[]
[]
[null,"Loan Comparison Data and Net Tangible Benefit"]
[]
[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,null,null,null,null,null,null,null,null,null,"Current",null,null,null,null,null,null,null,null,null,"Proposed"]
[null,null,"Loan Amortization Type (select from drop down options)",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,null,null,null,null,null,null,"~ Select ~",null,null,null,null,null,null,null,null,null,"~ Select ~"]
[]
[]
[null,null,"Current Loan Note Date (as reflected on copy of current Note or Deed)"]
[]
[]
[null,null,"Current ARM Loan Next Payment Change Date (leave blank with current Fixed Rate loan)"]
[]
[]
[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,null,null,null,null,null,null,null,null,null,"Current",null,null,null,null,null,null,null,null,null,"Proposed"]
[null,null,"Total Loan Amount",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,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!C624","v":0}]
[null,null,"Interest Rate",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!C625","v":0}]
[null,null,"Loan Term (in months) -",null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!B640","v":"max proposed term = 360 months (30 years)"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,360,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!C626","v":0}]
[null,null,"Total Principal & Interest Payment",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,null,null,null,null,null,null,{"$f":"Data_FHA!B627","v":0},null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!C627","v":0}]
[null,null,"Annual MIP Factor (query existing case number for current MIP factor)",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,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!C628","v":""}]
[null,null,"Annual MIP Amount",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!C629","v":0}]
[null,null,"Total Principal, Interest and Annual MIP Payment",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,null,null,null,null,null,null,{"$f":"Data_FHA!B630","v":0},null,null,null,null,null,null,null,null,null,{"$f":"Data_FHA!C630","v":0}]
[]
[]
[null,null,{"$f":"Data_FHA!B683","v":"Additional data entry is required to be able to determine Net Tangible Benefit"}]
[null,null,{"$f":"Data_FHA!B684","v":""}]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"To"]
[null,null,"From",null,null,null,null,null,null,null,null,null,null,null,"Fixed Rate",null,null,null,null,null,null,null,null,null,null,null,null,null,"One-Year ARM",null,null,null,null,null,null,null,null,null,null,null,null,null,"Hybrid ARM"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"New Combined Rate",null,null,null,null,null,null,null,null,null,null,null,null,null,"New Combined Rate",null,null,null,null,null,null,null,null,null,null,null,null,null,"New Combined Rate"]
[null,null," Fixed Rate",null,null,null,null,null,null,null,null,null,null,null," At least 0.5% points",null,null,null,null,null,null,null,null,null,null,null,null,null," At least 2% points ",null,null,null,null,null,null,null,null,null,null,null,null,null," At least 2% points "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null," below the prior Combined Rate.",null,null,null,null,null,null,null,null,null,null,null,null,null," below the prior Combined Rate.",null,null,null,null,null,null,null,null,null,null,null,null,null," below the prior Combined Rate."]
[null,null," Any ARM With",null,null,null,null,null,null,null,null,null,null,null,null," No more than 2% points above the prior Combined Rate.",null,null,null,null,null,null,null,null,null,null,null,null,null," At least 1% point below the prior Combined Rate.",null,null,null,null,null,null,null,null,null,null,null,null,null," At least 1% point below the prior Combined Rate."]
[null,null," Less Than 15"]
[null,null," Months to Next"]
[null,null," Payment Change"]
[null,null," Date"]
[null,null," Any ARM With",null,null,null,null,null,null,null,null,null,null,null,null," No more than 2% points above the prior Combined Rate.",null,null,null,null,null,null,null,null,null,null,null,null,null," At least 2% points below the prior Combined Rate.",null,null,null,null,null,null,null,null,null,null,null,null,null," At least 1% point below the prior Combined Rate."]
[null,null," Greater Than or"]
[null,null," Equal to 15 Months"]
[null,null," to Next Payment"]
[null,null," Change Date"]
[]
[]
[null,"SEASONING & PAYMENT HISTORY REQUIREMENTS"]
[null,"●","On the date of the FHA case number assignment, the borrower must have made at least six (6) payments within the month due on the "]
[null,null,"FHA-insured mortgage being refinanced; AND"]
[null,"●","At least six (6) full months must have passed since the first payment due date of the Mortgage that is being refinanced; AND"]
[null,"●","At least 210 Days must have passed from the closing date of the Mortgage that is being refinanced; AND"]
[null,"●","If the Borrower assumed the Mortgage that is being refinanced, they must have made six (6) payment since the assumption date; AND"]
[null,"●","No more than one 30-Day late payment for the previous six (6) months for ALL Mortgages; AND"]
[null,"●","If the Mortgage on the subject Property is not reported in the Borrower's credit report, a verification of Mortgage to evidence payment"]
[null,null,"history for the previous 12 months is required."]
[]
[null,"OCCUPANCY REQUIREMENTS"]
[null,"●","Underwriter must review the Borrower's employment documentation or obtain utility bills to evidence that the Borrower currently"]
[null,null,"occupies the Property as their Principal Residence.  The Underwriter must process the Streamline Refinance as a non-owner occupied"]
[null,null,"Property if evidence that the Borrower occupies the Property as a Principal Residence is not provided."]
[null,"●","Non-owner occupied Properties are only eligible for Streamline Refinancing into a fixed rate Mortgage."]
[]
[null,"NET TANGIBLE BENEFIT"]
[null,"The Streamline Refinance transaction must result in a Net Tangible Benefit to the borrower."]
[null,"●","A Reduced Combined Rate (combined Rate refers to the interest rate on the Mortgage plus the Mortgage Insurance Premium (MIP) rate)."]
[null,"●","A Reduction in Term"]
[null,null,"●","the remaining amortization period of the existing Mortgage is reduced;  AND"]
[null,null,"●","the new interest rate does not exceed the current interest rate;  AND"]
[null,null,"●","the combined principal, interest and MIP payment of the new Mortgage does not exceed the combined principal, interest and MIP of the"]
[null,null,null,"refinanced Mortgage by more than $50."]
[null,"●","A change from an ARM to a Fixed Rate Mortgage that results in a financial benefit to the Borrower."]
[]
[null,"ADDITIONAL GUIDELINES"]
[null,"●","Borrower Additions to Title:  Individuals may be added to the title and Mortgage on a non-credit qualifying Streamline Refinance without"]
[null,null,"a creditworthiness review."]
[null,"●","Limited Denial of Participation (LDP) & System for Award Management (SAM):  Must be checked to confirm Borrower's eligibility to "]
[null,null,"participate in an FHA-insured mortgage transaction."]
[null,"●","Funds to Close:  Must verify Borrower's funds to close, in excess of the total Mortgage Payment of the new Mortgage."]
[null,"●","Maximum Mortgage Amortization Period:  Limited to the lesser of the remaining amortiztion period of the existing Mortgage plus 12"]
[null,null,"years, or 30 years."]
[]
[null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility"]
[null,"for the accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet."]
[null,"It is the responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any"]
[null,"documentation used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Res Inc Data","index":59,"n_rows":172,"n_cols":15,"rows_kept":172,"cut":false,"hidden":true,"merged":[[49,0,49,12],[111,1,111,13]]}
[]
[" Loan Types","Select Loan Type"]
[null,"FHA loan"]
[null,"VA loan"]
[null,"Conv loan"]
[" Selected Loan Type",{"$f":"IF('Residual Inc'!X11='Res Inc Data'!B3,\"FHA\",IF('Residual Inc'!X11='Res Inc Data'!B4,\"VA\",\"\"))","v":""}]
[]
[" Total Loan Amount",{"$f":"'Residual Inc'!CH11","v":0}]
[" PITIA",{"$f":"'Residual Inc'!CH12","v":0}]
[" All Other Payments",{"$f":"'Residual Inc'!CH13","v":0}]
[" Subj Prop Sq Ft",{"$f":"'Residual Inc'!AZ14","v":0}]
[" Housing Maintenance",{"$f":"B11*0.14","v":0}]
[" Total All Debts",{"$f":"B9+B10+B12","v":0}]
[]
[" Taxable Income",{"$f":"'Residual Inc'!CH19","v":0}]
[" Non-Taxable Income",{"$f":"'Residual Inc'!CH20","v":0}]
[" Total Income",{"$f":"SUM(B15:B16)","v":0}]
[]
[" W2 - Fed Income Tax",{"$f":"'Residual Inc'!CH25","v":0}]
[" W2 - SS & Medicare",{"$f":"B15*7.65%","v":0}]
[" W2 - State Inc Tax",{"$f":"'Residual Inc'!CH27","v":0}]
[" W2 - Other Inc Tax",{"$f":"'Residual Inc'!CH28","v":0}]
[" W2 - Total Payroll Ded",{"$f":"SUM(B19:B22)","v":0}]
[]
[" Grand Total Net Inc",{"$f":"B17","v":0}]
[" Grand Total All Debt",{"$f":"B13+B23","v":0}]
[]
[" Active Duty Selection","Select for VA Loans ONLY"]
[null,"Active Duty"]
[null,"Separated from Service"]
[]
[" Active Duty Selected",{"$f":"IF('Residual Inc'!BV34='Res Inc Data'!B29,\"Active Duty\",IF('Residual Inc'!BV34='Res Inc Data'!B30,\"Separated from Service\",0))","v":0}]
[" State Selected",{"$f":"'Residual Inc'!BV36","v":" COLORADO"}]
[" Family Size",{"$f":"FAMILYSIZE","v":1}]
[" Active Duty",{"$f":"IF(B32=\"Active Duty\",TRUE,FALSE)","v":false}]
[" Residual Proposed",{"$f":"IF(OR(FAMILYSIZE=\"\",FAMILYSIZE=0),0,IF(B8>=80000,VLOOKUP(STATESELECTED,D59:O110,FAMILYSIZE+1),IF(B8<80000,VLOOKUP(STATESELECTED,D121:O172,FAMILYSIZE+1),0)))","v":425}]
[" Residual Required",{"$f":"IF(AND(B6=\"VA\",B35=TRUE),B36*95%,B36)","v":425}]
[" Residual Actual",{"$f":"B25-B26","v":0}]
[" Residual Difference ($)",{"$f":"RESIDUALACTUAL-RESIDUALREQUIRED","v":-425}]
[" Residual Difference (%)",{"$f":"IF(B38=0,0,ROUNDDOWN(B39/B36,2))","v":0}]
[]
[]
[" Message Line 1",{"$f":"IF(OR(FAMILYSIZE=\"\",RESIDUALACTUAL=0),\"\",CONCATENATE(\" State of\",B33,\" and Family Size of \",FAMILYSIZE,))","v":""}]
[" Message Line 2",{"$f":"IF(RESIDUALREQUIRED=0,\"\",CONCATENATE(\"Required Residual Income = \",DOLLAR(RESIDUALREQUIRED,2)))","v":"Required Residual Income = $425.00"}]
[" Message Line 3",{"$f":"IF(RESIDUALACTUAL=0,\"\",CONCATENATE(\"Actual Residual Income = \",DOLLAR(RESIDUALACTUAL,2)))","v":""}]
[" Message Line 4",{"$f":"IF(RESIDUALDIFF=0,\"\",IF(RESIDUALDIFF>0,CONCATENATE(\"Actual Residual Income EXCEEDS Guidelines by an additional \",ROUNDDOWN(RESIDUALDIFF*100,0),\"%\"),IF(RESIDUALDIFF<0,CONCATENATE(\"Actual Residual Income is INSUFFICIENT and DOES NOT meet minimum requirements.\"))))","v":""}]
[]
[]
[]
["VA Residual Income Data for Loan Amounts => $80,000"]
[]
[null,"Area","State Abbr","Area","1","2","3","4","5","6","7","8","9","10"]
[null," NORTHEAST",null," NORTHEAST",450,755,909,1025,1062,1142,1222,1302,1382,1462]
[null," MIDWEST",null," MIDWEST",441,738,889,1003,1039,1119,1199,1279,1359,1439]
[null," SOUTH",null," SOUTH",441,738,889,1003,1039,1119,1199,1279,1359,1439]
[null," WEST",null," WEST",491,823,990,1117,1158,1238,1318,1398,1478,1558]
[]
[null,"State","State Abbr","State","1","2","3","4","5","6","7","8","9","10","Region"]
[1," ALABAMA","AL"," ALABAMA",{"$f":"E$55","v":441},738,889,1003,1039,1119,1199,1279,1359,1439,"S"]
[2," ALASKA","AK"," ALASKA",{"$f":"E$56","v":491},823,990,1117,1158,1238,1318,1398,1478,1558,"W"]
[3," ARIZONA","AZ"," ARIZONA",491,823,990,1117,1158,1238,1318,1398,1478,1558,"W"]
[4," ARKANSAS","AR"," ARKANSAS",{"$f":"E$55","v":441},738,889,1003,1039,1119,1199,1279,1359,1439,"S"]
[5," CALIFORNIA","CA"," CALIFORNIA",{"$f":"E$56","v":491},823,990,1117,1158,1238,1318,1398,1478,1558,"W"]
[6," COLORADO","CO"," COLORADO",491,823,990,1117,1158,1238,1318,1398,1478,1558,"W"]
[7," CONNECTICUT","CT"," CONNECTICUT",{"$f":"E$53","v":450},755,909,1025,1062,1142,1222,1302,1382,1462,"NE"]
[8," DELAWARE","DE"," DELAWARE",{"$f":"E$55","v":441},738,889,1003,1039,1119,1199,1279,1359,1439,"S"]
[9," DISTRICT OF COLUMBIA","DC"," DISTRICT OF COLUMBIA",441,738,889,1003,1039,1119,1199,1279,1359,1439,"S"]
[10," FLORIDA","FL"," FLORIDA",441,738,889,1003,1039,1119,1199,1279,1359,1439,"S"]
[11," GEORGIA","GA"," GEORGIA",441,738,889,1003,1039,1119,1199,1279,1359,1439,"S"]
[12," HAWAII","HI"," HAWAII",{"$f":"E$56","v":491},823,990,1117,1158,1238,1318,1398,1478,1558,"W"]
[13," IDAHO","ID"," IDAHO",491,823,990,1117,1158,1238,1318,1398,1478,1558,"W"]
[14," ILLINOIS","IL"," ILLINOIS",{"$f":"E$54","v":441},738,889,1003,1039,1119,1199,1279,1359,1439,"MW"]
[15," INDIANA","IN"," INDIANA",441,738,889,1003,1039,1119,1199,1279,1359,1439,"MW"]
[16," IOWA","IA"," IOWA",441,738,889,1003,1039,1119,1199,1279,1359,1439,"MW"]
[17," KANSAS","KS"," KANSAS",441,738,889,1003,1039,1119,1199,1279,1359,1439,"MW"]
[18," KENTUCKY ","KY"," KENTUCKY ",{"$f":"E$55","v":441},738,889,1003,1039,1119,1199,1279,1359,1439,"S"]
[19," LOUISIANA","LA"," LOUISIANA",441,738,889,1003,1039,1119,1199,1279,1359,1439,"S"]
[20," MAINE","ME"," MAINE",{"$f":"E$53","v":450},755,909,1025,1062,1142,1222,1302,1382,1462,"NE"]
[21," MARYLAND","MD"," MARYLAND",{"$f":"E$55","v":441},738,889,1003,1039,1119,1199,1279,1359,1439,"S"]
[22," MASSACHUSETTS","MA"," MASSACHUSETTS",{"$f":"E$53","v":450},755,909,1025,1062,1142,1222,1302,1382,1462,"NE"]
[23," MICHIGAN","MI"," MICHIGAN",{"$f":"E$54","v":441},738,889,1003,1039,1119,1199,1279,1359,1439,"MW"]
[24," MINNESOTA","MN"," MINNESOTA",441,738,889,1003,1039,1119,1199,1279,1359,1439,"MW"]
[25," MISSISSIPPI","MS"," MISSISSIPPI",{"$f":"E$55","v":441},738,889,1003,1039,1119,1199,1279,1359,1439,"S"]
[26," MISSOURI","MO"," MISSOURI",{"$f":"E$54","v":441},738,889,1003,1039,1119,1199,1279,1359,1439,"MW"]
[27," MONTANA","MT"," MONTANA",{"$f":"E$56","v":491},823,990,1117,1158,1238,1318,1398,1478,1558,"W"]
[28," NEBRASKA","NE"," NEBRASKA",{"$f":"E$54","v":441},738,889,1003,1039,1119,1199,1279,1359,1439,"MW"]
[29," NEVADA","NV"," NEVADA",{"$f":"E$56","v":491},823,990,1117,1158,1238,1318,1398,1478,1558,"W"]
[30," NEW HAMPSHIRE","NH"," NEW HAMPSHIRE",{"$f":"E$53","v":450},755,909,1025,1062,1142,1222,1302,1382,1462,"NE"]
[31," NEW JERSEY","NJ"," NEW JERSEY",450,755,909,1025,1062,1142,1222,1302,1382,1462,"NE"]
[32," NEW MEXICO","NM"," NEW MEXICO",{"$f":"E$56","v":491},823,990,1117,1158,1238,1318,1398,1478,1558,"W"]
[33," NEW YORK","NY"," NEW YORK",{"$f":"E$53","v":450},755,909,1025,1062,1142,1222,1302,1382,1462,"NE"]
[34," NORTH CAROLINA","NC"," NORTH CAROLINA",{"$f":"E$55","v":441},738,889,1003,1039,1119,1199,1279,1359,1439,"S"]
[35," NORTH DAKOTA","ND"," NORTH DAKOTA",{"$f":"E$54","v":441},738,889,1003,1039,1119,1199,1279,1359,1439,"MW"]
[36," OHIO","OH"," OHIO",441,738,889,1003,1039,1119,1199,1279,1359,1439,"MW"]
[37," OKLAHOMA","OK"," OKLAHOMA",{"$f":"E$55","v":441},738,889,1003,1039,1119,1199,1279,1359,1439,"S"]
[38," OREGON","OR"," OREGON",{"$f":"E$56","v":491},823,990,1117,1158,1238,1318,1398,1478,1558,"W"]
[39," PENNSYLVANIA","PA"," PENNSYLVANIA",{"$f":"E$53","v":450},755,909,1025,1062,1142,1222,1302,1382,1462,"NE"]
[40," PUERTO RICO","PR"," PUERTO RICO",{"$f":"E$55","v":441},738,889,1003,1039,1119,1199,1279,1359,1439,"S"]
[41," RHODE ISLAND","RI"," RHODE ISLAND",{"$f":"E$53","v":450},755,909,1025,1062,1142,1222,1302,1382,1462,"NE"]
[42," SOUTH CAROLINA","SC"," SOUTH CAROLINA",{"$f":"E$55","v":441},738,889,1003,1039,1119,1199,1279,1359,1439,"S"]
[43," SOUTH DAKOTA","SD"," SOUTH DAKOTA",{"$f":"E$54","v":441},738,889,1003,1039,1119,1199,1279,1359,1439,"MW"]
[44," TENNESSEE","TN"," TENNESSEE",{"$f":"E$55","v":441},738,889,1003,1039,1119,1199,1279,1359,1439,"S"]
[45," TEXAS","TX"," TEXAS",441,738,889,1003,1039,1119,1199,1279,1359,1439,"S"]
[46," UTAH","UT"," UTAH",{"$f":"E$56","v":491},823,990,1117,1158,1238,1318,1398,1478,1558,"W"]
[47," VERMONT","VT"," VERMONT",{"$f":"E$53","v":450},755,909,1025,1062,1142,1222,1302,1382,1462,"NE"]
[48," VIRGINIA","VA"," VIRGINIA",{"$f":"E$55","v":441},738,889,1003,1039,1119,1199,1279,1359,1439,"S"]
[49," WASHINGTON","WA"," WASHINGTON",{"$f":"E$56","v":491},823,990,1117,1158,1238,1318,1398,1478,1558,"W"]
[50," WEST VIRGINIA","WV"," WEST VIRGINIA",{"$f":"E$55","v":441},738,889,1003,1039,1119,1199,1279,1359,1439,"S"]
[51," WISCONSIN","WI"," WISCONSIN",{"$f":"E$54","v":441},738,889,1003,1039,1119,1199,1279,1359,1439,"MW"]
[52," WYOMING","WY"," WYOMING",{"$f":"E$56","v":491},823,990,1117,1158,1238,1318,1398,1478,1558,"W"]
[]
[null,"VA Residual Income Data for Loan Amounts < $80,000"]
[]
[null,"Area","State Abbr","Area","1","2","3","4","5","6","7","8","9","10"]
[null," NORTHEAST",null," NORTHEAST",390,654,788,888,921,996,1071,1146,1221,1296]
[null," MIDWEST",null," MIDWEST",382,641,772,868,902,977,1052,1127,1202,1277]
[null," SOUTH",null," SOUTH",382,641,772,868,902,977,1052,1127,1202,1277]
[null," WEST",null," WEST",425,713,859,967,1004,1079,1154,1229,1304,1379]
[]
[null,"State","State Abbr","State","1","2","3","4","5","6","7","8","9","10","Region"]
[null," ALABAMA","AL"," ALABAMA",{"$f":"E$117","v":382},641,772,868,902,977,1052,1127,1202,1277,"S"]
[null," ALASKA","AK"," ALASKA",{"$f":"E$118","v":425},713,859,967,1004,1079,1154,1229,1304,1379,"W"]
[null," ARIZONA","AZ"," ARIZONA",{"$f":"E$118","v":425},713,859,967,1004,1079,1154,1229,1304,1379,"W"]
[null," ARKANSAS","AR"," ARKANSAS",{"$f":"E$117","v":382},641,772,868,902,977,1052,1127,1202,1277,"S"]
[null," CALIFORNIA","CA"," CALIFORNIA",{"$f":"E$118","v":425},713,859,967,1004,1079,1154,1229,1304,1379,"W"]
[null," COLORADO","CO"," COLORADO",{"$f":"E$118","v":425},713,859,967,1004,1079,1154,1229,1304,1379,"W"]
[null," CONNECTICUT","CT"," CONNECTICUT",390,654,788,888,921,996,1071,1146,1221,1296,"NE"]
[null," DELAWARE","DE"," DELAWARE",{"$f":"E$117","v":382},641,772,868,902,977,1052,1127,1202,1277,"S"]
[null," DISTRICT OF COLUMBIA","DC"," DISTRICT OF COLUMBIA",{"$f":"E$117","v":382},641,772,868,902,977,1052,1127,1202,1277,"S"]
[null," FLORIDA","FL"," FLORIDA",{"$f":"E$117","v":382},641,772,868,902,977,1052,1127,1202,1277,"S"]
[null," GEORGIA","GA"," GEORGIA",{"$f":"E$117","v":382},641,772,868,902,977,1052,1127,1202,1277,"S"]
[null," HAWAII","HI"," HAWAII",{"$f":"E$118","v":425},713,859,967,1004,1079,1154,1229,1304,1379,"W"]
[null," IDAHO","ID"," IDAHO",{"$f":"E$118","v":425},713,859,967,1004,1079,1154,1229,1304,1379,"W"]
[null," ILLINOIS","IL"," ILLINOIS",{"$f":"E$116","v":382},641,772,868,902,977,1052,1127,1202,1277,"MW"]
[null," INDIANA","IN"," INDIANA",{"$f":"E$116","v":382},641,772,868,902,977,1052,1127,1202,1277,"MW"]
[null," IOWA","IA"," IOWA",{"$f":"E$116","v":382},641,772,868,902,977,1052,1127,1202,1277,"MW"]
[null," KANSAS","KS"," KANSAS",{"$f":"E$116","v":382},641,772,868,902,977,1052,1127,1202,1277,"MW"]
[null," KENTUCKY ","KY"," KENTUCKY ",{"$f":"E$117","v":382},641,772,868,902,977,1052,1127,1202,1277,"S"]
[null," LOUISIANA","LA"," LOUISIANA",{"$f":"E$117","v":382},641,772,868,902,977,1052,1127,1202,1277,"S"]
[null," MAINE","ME"," MAINE",390,654,788,888,921,996,1071,1146,1221,1296,"NE"]
[null," MARYLAND","MD"," MARYLAND",{"$f":"E$117","v":382},641,772,868,902,977,1052,1127,1202,1277,"S"]
[null," MASSACHUSETTS","MA"," MASSACHUSETTS",390,654,788,888,921,996,1071,1146,1221,1296,"NE"]
[null," MICHIGAN","MI"," MICHIGAN",{"$f":"E$116","v":382},641,772,868,902,977,1052,1127,1202,1277,"MW"]
[null," MINNESOTA","MN"," MINNESOTA",{"$f":"E$116","v":382},641,772,868,902,977,1052,1127,1202,1277,"MW"]
[null," MISSISSIPPI","MS"," MISSISSIPPI",{"$f":"E$117","v":382},641,772,868,902,977,1052,1127,1202,1277,"S"]
[null," MISSOURI","MO"," MISSOURI",{"$f":"E$116","v":382},641,772,868,902,977,1052,1127,1202,1277,"MW"]
[null," MONTANA","MT"," MONTANA",{"$f":"E$118","v":425},713,859,967,1004,1079,1154,1229,1304,1379,"W"]
[null," NEBRASKA","NE"," NEBRASKA",{"$f":"E$116","v":382},641,772,868,902,977,1052,1127,1202,1277,"MW"]
[null," NEVADA","NV"," NEVADA",{"$f":"E$118","v":425},713,859,967,1004,1079,1154,1229,1304,1379,"W"]
[null," NEW HAMPSHIRE","NH"," NEW HAMPSHIRE",390,654,788,888,921,996,1071,1146,1221,1296,"NE"]
[null," NEW JERSEY","NJ"," NEW JERSEY",390,654,788,888,921,996,1071,1146,1221,1296,"NE"]
[null," NEW MEXICO","NM"," NEW MEXICO",{"$f":"E$118","v":425},713,859,967,1004,1079,1154,1229,1304,1379,"W"]
[null," NEW YORK","NY"," NEW YORK",390,654,788,888,921,996,1071,1146,1221,1296,"NE"]
[null," NORTH CAROLINA","NC"," NORTH CAROLINA",{"$f":"E$117","v":382},641,772,868,902,977,1052,1127,1202,1277,"S"]
[null," NORTH DAKOTA","ND"," NORTH DAKOTA",{"$f":"E$116","v":382},641,772,868,902,977,1052,1127,1202,1277,"MW"]
[null," OHIO","OH"," OHIO",{"$f":"E$116","v":382},641,772,868,902,977,1052,1127,1202,1277,"MW"]
[null," OKLAHOMA","OK"," OKLAHOMA",{"$f":"E$117","v":382},641,772,868,902,977,1052,1127,1202,1277,"S"]
[null," OREGON","OR"," OREGON",{"$f":"E$118","v":425},713,859,967,1004,1079,1154,1229,1304,1379,"W"]
[null," PENNSYLVANIA","PA"," PENNSYLVANIA",390,654,788,888,921,996,1071,1146,1221,1296,"NE"]
[null," PUERTO RICO","PR"," PUERTO RICO",{"$f":"E$117","v":382},641,772,868,902,977,1052,1127,1202,1277,"S"]
[null," RHODE ISLAND","RI"," RHODE ISLAND",390,654,788,888,921,996,1071,1146,1221,1296,"NE"]
[null," SOUTH CAROLINA","SC"," SOUTH CAROLINA",{"$f":"E$117","v":382},641,772,868,902,977,1052,1127,1202,1277,"S"]
[null," SOUTH DAKOTA","SD"," SOUTH DAKOTA",{"$f":"E$116","v":382},641,772,868,902,977,1052,1127,1202,1277,"MW"]
[null," TENNESSEE","TN"," TENNESSEE",{"$f":"E$117","v":382},641,772,868,902,977,1052,1127,1202,1277,"S"]
[null," TEXAS","TX"," TEXAS",{"$f":"E$117","v":382},641,772,868,902,977,1052,1127,1202,1277,"S"]
[null," UTAH","UT"," UTAH",{"$f":"E$118","v":425},713,859,967,1004,1079,1154,1229,1304,1379,"W"]
[null," VERMONT","VT"," VERMONT",390,654,788,888,921,996,1071,1146,1221,1296,"NE"]
[null," VIRGINIA","VA"," VIRGINIA",{"$f":"E$117","v":382},641,772,868,902,977,1052,1127,1202,1277,"S"]
[null," WASHINGTON","WA"," WASHINGTON",{"$f":"E$118","v":425},713,859,967,1004,1079,1154,1229,1304,1379,"W"]
[null," WEST VIRGINIA","WV"," WEST VIRGINIA",{"$f":"E$117","v":382},641,772,868,902,977,1052,1127,1202,1277,"S"]
[null," WISCONSIN","WI"," WISCONSIN",{"$f":"E$116","v":382},641,772,868,902,977,1052,1127,1202,1277,"MW"]
[null," WYOMING","WY"," WYOMING",{"$f":"E$118","v":425},713,859,967,1004,1079,1154,1229,1304,1379,"W"]

{"sheet":"MCC Credit","index":60,"n_rows":38,"n_cols":86,"rows_kept":38,"cut":false,"hidden":true,"merged":[[34,2,34,101],[35,2,35,101],[36,2,36,101],[37,2,37,101],[0,1,0,102],[1,2,1,101],[19,1,19,102],[5,42,5,101],[2,0,7,0],[8,1,8,102],[9,1,9,102],[10,0,18,0],[10,2,10,101],[20,0,27,0],[20,2,20,101],[26,85,26,101],[27,2,27,101],[33,1,33,102],[28,1,28,102],[29,0,32,0],[29,2,29,101],[2,103,7,103],[6,2,6,101],[7,2,7,13],[7,14,7,67],[7,68,7,79],[7,80,7,101],[2,2,4,101],[5,2,5,41],[10,103,18,103],[11,2,11,84],[11,85,11,101],[12,2,12,84],[12,85,12,101],[13,2,13,84],[13,85,13,101],[14,2,14,84],[14,85,14,101],[15,2,15,84],[15,85,15,101],[16,2,16,84],[16,85,16,101],[17,2,17,84],[17,85,17,101],[18,2,18,101],[29,103,32,103],[30,2,30,101],[31,2,31,101],[32,2,32,101],[20,103,27,103],[21,2,21,101],[22,2,22,84],[22,85,22,101],[23,2,23,84],[23,85,23,101],[24,2,24,84],[24,85,24,101],[25,2,25,101],[26,2,26,84]]}
[]
[]
[null,null,"MCC Credit Calculations"]
[]
[]
[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,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"PREPAREDBY&\" \"&VERSIONMSG","v":{"$error":"#REF!"}}]
[]
[null,null,"Borrower:",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('B-Paystubs'!O7=\"\",\"\",'B-Paystubs'!O7)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('B-Paystubs'!CE7=\"\",\"\",'B-Paystubs'!CE7)","v":""}]
[]
[]
[]
[null,null," Original Loan Amount",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,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,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," Interest 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,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,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," Total Annual Interest",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,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,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,{"$f":"CH12*CH13","v":0}]
[null,null," Annual Tax Credit Percentage",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.2]
[null,null," Total Annual Tax Credit",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"CH14*CH15","v":0}]
[null,null," Total Annual Tax Credit Divided by 12 Months for Monthly Credit",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,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,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,12]
[null,null," Monthly Tax Credit Benefit for Qualifying Purposes",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,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,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,{"$f":"CH16/CH17","v":0}]
[]
[]
[]
[null,null,"AVERAGE EARNINGS (PAST 2 YEARS)"]
[null,null,"Total Earnings (previous 2 years)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AZ17:AZ18)","v":0}]
[null,null,"Total Months Included in Total Earnings",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,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,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,{"$f":"SUM(BQ17:BQ18)","v":0}]
[null,null,"Average Total Monthly Earnings",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(CH24=0,\"\",CH23/CH24)","v":""}]
[]
[null,null,"Total Average Earnings for the past 2 years",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,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,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,{"$f":"IF(CH25=\"\",\"\",IF(CH25>0,ROUNDDOWN(CH25,0),\"\"))","v":""}]
[]
[]
[]
[null,null,"NOTES"]
[]
[]
[]
[null,null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility"]
[null,null,"for the accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet."]
[null,null,"It is the responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any"]
[null,null,"documentation used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]

{"sheet":"Back-to-Work","index":61,"n_rows":80,"n_cols":89,"rows_kept":80,"cut":false,"hidden":true,"merged":[[10,2,10,87],[11,2,11,87],[12,2,12,87],[13,2,13,87],[16,2,16,104],[13,88,13,104],[76,3,76,103],[77,3,77,103],[78,3,78,103],[79,3,79,103],[64,2,64,104],[65,2,65,104],[68,3,68,104],[69,3,69,104],[71,3,71,104],[66,2,66,104],[67,3,67,104],[70,3,70,104],[73,3,73,104],[72,3,72,104],[75,3,75,104],[51,2,51,104],[57,2,57,104],[58,2,58,104],[56,2,56,104],[61,2,61,104],[59,2,59,104],[60,2,60,104],[37,3,37,104],[44,3,44,104],[48,2,48,104],[49,2,49,104],[50,2,50,104],[47,2,47,104],[38,3,38,104],[39,2,39,104],[40,3,40,104],[41,2,41,104],[42,3,42,104],[43,3,43,104],[45,3,45,104],[46,2,46,104],[62,2,62,104],[63,2,63,104],[52,2,52,104],[53,2,53,104],[54,2,54,104],[55,2,55,104],[33,3,33,104],[35,2,35,104],[36,3,36,104],[34,3,34,104],[27,2,27,104],[28,2,28,104],[31,2,31,104],[29,2,29,104],[30,2,30,104],[17,88,17,104],[14,3,14,103],[20,2,20,87],[15,2,15,104],[32,3,32,104],[26,2,26,104],[17,2,17,87],[18,2,18,87],[19,2,19,87],[24,88,24,104],[25,3,25,103],[18,88,18,104],[21,2,21,20],[21,21,21,33],[21,34,21,48],[21,49,21,68],[0,2,0,104],[10,88,10,104],[12,88,12,104],[8,3,8,103],[11,88,11,104],[1,1,1,105],[2,1,2,105],[3,1,3,105],[4,1,4,105],[9,2,9,104],[5,2,5,104],[6,2,6,13],[6,14,6,68],[6,69,6,81],[6,82,6,104],[7,2,7,104],[24,2,24,87],[20,88,20,104],[21,69,21,85],[21,88,21,104],[19,88,19,104],[22,88,22,104],[22,2,22,87]]}
[]
[]
[null,"Income Calculations Worksheet"]
[null,"FHA Back to Work Initiative"]
[]
[]
[null,null,"Borrower:",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('B-Paystubs'!O7=\"\",\"\",'B-Paystubs'!O7)","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Loan #:",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF('B-Paystubs'!CE7=\"\",\"\",'B-Paystubs'!CE7)","v":""}]
[]
[]
[null,null,"TOTAL HOUSEHOLD EARNINGS AT TIME OF ECONOMIC EVENT"]
[null,null," Actual Date of Economic Event"]
[null,null," Borrower's total monthly income at time of economic event",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,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,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,null,0]
[null,null," Other household monthly income at time of economic event",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,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,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,null,0]
[null,null," Total Household Monthly Income at time of economic event",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,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,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,null,{"$f":"SUM(CK12:DA13)","v":0}]
[]
[]
[null,null,"PERIOD AFTER ECONOMIC EVENT (MINIMUM 6 MONTHS)"]
[null,null," Date for the six month period after the date of Economic Event",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(CK11=\"\",\"\",EDATE(CK11,6))","v":""}]
[null,null,{"$f":"Data_Income!B838","v":" Borrower's total income beginning on 1/1/1900 and ending on 7/1/1900"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,{"$f":"Data_Income!B839","v":" Other household total income beginning on 1/1/1900 and ending on 7/1/1900"},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,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,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,null,0]
[null,null,{"$f":"Data_Income!B840","v":" Grand Total Household Income beginning on 1/1/1900 and ending on 7/1/1900"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(CK19:DA20)","v":0}]
[]
[null,null,{"$f":"Data_Income!B841","v":" Grand Total Household Monthly Income Average for the period of 1/1/1900 to 7/1/1900"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"Data_Income!E836","v":0}]
[]
[null,null,"Increase / Decrease difference in monthly earnings",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,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,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,null,{"$f":"Data_Income!F836","v":" "}]
[]
[]
[null,null,{"$f":"Data_Income!B843","v":" "}]
[null,null,{"$f":"Data_Income!B844","v":" "}]
[]
[null,null,"Required Documentation"]
[null,null,"Loss of Employment"]
[null,null,"●","Verify with written VOE to show termination date."]
[null,null,"●","If employer went out of business, then document with copy of borrowers' severance package letter, other publicly available document that the"]
[null,null,null,"employer went out of business, and/or receipt of Unemployment income within timeframe."]
[null,null,"Loss of Income"]
[null,null,"●","Must verify and ensure proper documentation is provided to reflect what the borrower's household income was prior to the Economic Event."]
[null,null,"●","Must verify that either the loss of employment, the loss of income or the loss of both trigerred the Economic Event by documenting the"]
[null,null,null,"borrower's household income was after the Economic Event was trigerred."]
[null,null,"Satisfactory Credit BEFORE Economic Event"]
[null,null,"●","Must verify that borrower(s) had a satisfactory credit history 12 months (minimum) before the Economic Event."]
[null,null,"Satisfactory Credit AFTER Economic Event"]
[null,null,"●","Must verify no late payments in the last 12 months since the Economic Event."]
[null,null,"●","Borrower's credit history is clear of late housing or installment debt payments and major derogatory credit issues on revolving debts."]
[null,null,"●","Any open mortgage is current and shows a 12 month history of satisfactory payments. Mortgage payments brought current through a loan"]
[null,null,null,"modification is acceptable so long as all payments are documented as being paid on time as per the loan modification agreement."]
[null,null,"Collections"]
[null,null,"Regardless of the initial AUS findings, if the total outstanding balance of ALL collections for ALL borrowers is > $2,000, the collections to be paid"]
[null,null,"off at closing, or provide verification with a letter from the creditor on their letterhead or a credit supplement that borrower has been in a"]
[null,null,"satisfactory payment plan. Must qualify the borrower with the verified payment amount. If no payment can be verified, qualify the borrower with"]
[null,null,"each collection account using 5% of the balance as the payment."]
[null,null,"Note:  Medical collections and charge-offs are excluded from this policy. This policy includes the collection accounts for non-borrowing spouses"]
[null,null,"who live in a community property state. Collection accounts may NOT be paid down to less than $2,000."]
[null,null,"Judgements"]
[null,null,"Regardless of the initial AUS findings, Judgment(s) must be paid in full through closing of the transaction, or evidence judgment has been"]
[null,null,"satisfactorily paid prior to close, or evidence borrowers are in a payment plan with the following requirements: Provide a copy of the agreement,"]
[null,null,"payment must have been made in a timely manner, and evidence a minimum of 3 months scheduled payments have been made prior to close."]
[null,null,"Note:  Borrowers may not pre-pay scheduled payments in advance to reflect 3 payments. This policy includes the judgments for non-borrowing"]
[null,null,"spouses who live in a community property state."]
[null,null,"Mortgage Foreclosure, Short-Sale, Chapter 7 Bankruptcy"]
[null,null,"Must verify and ensure proper documentation is provided to reflect that 12 months have elapsed from the date of the foreclosure or deed in lieu"]
[null,null,"and that it was a direct result of the Economic Event which occurred."]
[null,null,"Chapter 13 Bankruptcy"]
[null,null,"Chapter 13 Bankruptcy must have been as a direct result of the Economic Event, and must be discharged prior to the loan application. If not"]
[null,null,"discharged prior to loan application, must receive written permission from the Court to enter into a mortgage transaction for the subject property."]
[null,null,"Must also provide evidence of satisfactory 12 month payment history on Bankruptcy payment plan."]
[null,null,"Housing Counseling"]
[null,null,"●","Each participant must provide evidence that they have completed Homeownership Counseling (received a minimum of 1 hour one-on-one"]
[null,null,null,"counseling), addressing the cause of the Economic Event and the actions taken to overcome the cause thereby reducing the likelihood of"]
[null,null,null,"reoccurrence."]
[null,null,"●","Must be completed a minimum 30 days prior to loan application and no more than 6 months prior to submitting the loan to Lender. NO"]
[null,null,null,"EXCEPTIONS!"]
[null,null,"●","If there is a fee associated with the Housing Counseling requirement then, the Loan Estimate must reflect a Written Provider in box 6 in order to"]
[null,null,null,"be compliant."]
[]
[]
[null,null,null,"This worksheet is not intended to be legal or comprehensive financial advice. The user assumes any legal liability and responsibility"]
[null,null,null,"for the accuracy, completeness, usefulness, effectiveness, reliability, information and/or results obtained from the use of this worksheet."]
[null,null,null,"It is the responsibility of the user to be knowledgeable of the text and data contained in the worksheet, to ensure the accuracy of any"]
[null,null,null,"documentation used to complete the worksheet, and that contents are in accordance with product, investor and regulatory requirements."]