Agenda

March 16, 2026
11:00 am - 12:30 pm EST

What does a lender need from a personal tax return? Cash flow. Cash flow pays back the loan. However, tax returns do not show cash flow directly. They show taxable incomes. Therefore, a lender needs the “secret code” to decrypt a tax return and obtain a reliable monthly or annual cash flow.

In Part 2 of this two-part series, we will cover Schedule D (Capital Gains and Losses), Schedule E, Page 1 (Income or Loss From Rental Real Estate and Royalties), Schedule E, Page 2 (Income or Loss From Partnerships and S Corporations), and Schedule F (Profit or Loss From Farming). When you finish this session, you will be able to use the free Lenders Tax Analyzer© software to convert taxable incomes into cash flows that plug directly into your credit scoring models, debt-to-income ratios, and disposable income calculations.

Topics

KEY WEBINAR TAKEAWAYS:

• Schedule D (capital gains, installment sales, etc.): Are these recurring forms of income? Or one-shot deals that you shouldn’t include?
• Schedule E, Page 1 (rental and royalty income): More than just adding back depreciation, find the real cash flow from rental and royalty properties
• Schedule E, Page 2 (partnerships and S corporations): Most information ”passed through” from partnerships and S corps is useless because it doesn’t represent cash flow. Distinguish phantom income from real cash flow
• Schedule F (farm income): Identifying hidden income and expenses in farm tax returns

Speaker(s)

Timothy P. Harrington
TEAM RESOURCES

Tim Harrington is founder and CEO of TEAM Resources and has been a financial institution consultant for over 30 years. Tim has advised lenders on verifying income from tax returns since 1992, and consults with financial institutions nationwide on issues of strategy, profitability, and board governance. He speaks at nationwide conferences and has presented in Canada, Mexico, Austria, Puerto Rico, Jamaica, and the Virgin Islands. Tim is the author of the popular software, Lenders Tax Analyzer. In addition, his book, Eisenhower on Enlightened Leadership, has been used by management teams nationwide to improve leadership skills. He did his undergraduate studies at Gonzaga University and graduate studies at the University of Washington.

Fees

Live Webinar - $279

• Unlimited connections for your institution
• Available on desktop, mobile & tablet
• Take-away toolkit
• Presenter’s contact info for questions

On-Demand Webinar - $279

• Unlimited & shareable access starting two business days after live stream
• Available on desktop, mobile & tablet devices 24/7
• Take-away toolkit
• Ability to download webinar video
• Presenter's contact info for questions

Live + On-Demand - $379

Get the best of both and save when you Bundle the Live & On-Demand Webinar registration! This option includes all the items listed above.

**100% surcharge applied to non-members.

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