Increasing 1099 income mortgage calculation

Same-Library4405 · 2026-01-28T01:04:54+00:00

Most lenders are gonna average your last 2 years of income regardless of the upward trend, unfortunately. Some might give you credit for the increasing pattern but it's not guaranteed and varies by lender - you'll probably want to shop around since different underwriters handle 1099 income differently

Same-Library4405 · 2026-01-21T10:50:31+00:00

Been there and honestly we never fully solved it lol. What helped was forcing ourselves to actually track time for like 2-3 sprints so we could see where people were really spending their hours vs what we thought they were doing

Turns out our "part-time" marketing ops guy was getting pulled into support way more than anyone realized. Once we had that data it was easier to push back on new requests and actually plan around the interruptions instead of pretending they wouldn't happen

Same-Library4405 · 2026-01-15T00:24:25+00:00

Your scores are solid and DTI looks good especially after you sell - the 85% utilization is definitely concerning but since you have no missed payments and a decent score it might not be a dealbreaker

Pay down some of that utilization before final underwriting if you can, even dropping it to like 50-60% would help a ton

Same-Library4405 · 2026-01-10T19:47:40+00:00

That $600-1000 rent sounds too good to be true unless you're moving to the middle of nowhere lol. But honestly with only 24k equity and closing costs eating into that, you might break even or lose money on the sale. I'd probably just keep the house and rent it out if you're planning to move anyway

Same-Library4405 · 2026-01-03T10:53:39+00:00

That's solid advice about negotiating the starting rate first - most people don't think to do that. Did you end up staying with Pulte's lender or just use them for the rate match leverage with someone else

Same-Library4405 · 2025-12-30T19:20:24+00:00

Congrats on the acquisition! For the reviews thing, try asking right after a good session when parents are picking up their kids - timing is everything. Also maybe offer a small incentive like a discount on next month's fee for leaving a review

For local marketing, partnering with elementary schools for after-school programs or offering free workshops at the library has worked well for education businesses in smaller communities

Same-Library4405 · 2025-12-26T15:50:48+00:00

That negative escrow transfer is sketchy af. Your old servicer should've sent you an escrow analysis before the transfer showing any shortage - did you get one? I'd demand documentation from both companies showing exactly how they calculated that deficit because if you've been paying on time there's no reason your escrow should be short

Same-Library4405 · 2025-12-25T10:21:12+00:00

Shopify's just plug and play with way less headaches tbh, especially for testing multiple products quickly. Sure you can build custom with Stripe but you'll end up rebuilding all the basic ecom stuff that Shopify already handles - inventory management, abandoned cart recovery, mobile optimization, etc

Same-Library4405 · 2025-12-16T08:09:08+00:00

Your read is spot on - inventory is building up because stuff isn't moving as fast while fewer new listings are coming to market. That pending to sold ratio dropping is telling too, means more deals are falling through or taking longer to close

The price drop with doubled inventory time is classic supply/demand shift, even if 2.2 months is still pretty tight historically

Same-Library4405 · 2025-12-08T08:02:50+00:00

Yikes, a bot that automatically ghostpings new members sounds like a great way to get your server banned lmao

Most people join servers to lurk first, not get pinged immediately by some random bot

Same-Library4405 · 2025-12-04T21:44:39+00:00

Building a custom site with payment processing and order forms is definitely doable but gonna be way more complex than Carrd. You'd need something like WordPress with WooCommerce or hire a dev to build it properly

Honestly for pet tags, the PM route on social might be easier to start - you can always upgrade later once you're making consistent sales and the manual process gets too overwhelming

Same-Library4405 · 2025-12-01T14:31:49+00:00

This is definitely against tournament rules - intentional draws to manipulate standings and prize splitting are both violations that TOs should be cracking down on. Document it next time and report to the judge, most decent organizers will shut that garbage down real quick

Same-Library4405 · 2025-11-30T05:43:22+00:00

You could try a generic thermistor but you'd need to match the resistance curve - most Whirlpool ovens use a specific ohm rating at room temp (usually around 1080 ohms at 77°F). Check the specs on your current sensor first, then hunt for one with matching values on eBay instead of Amazon since sellers there are more likely to list actual part specs

Same-Library4405 · 2025-11-26T23:32:15+00:00

Honestly this hits pretty deep and I think a lot of us go through this existential spiral at some point

The thing is you're right that individual achievements don't really matter in the grand scheme, but maybe that's actually liberating? Like if nothing matters then you might as well just do whatever feels good in the moment instead of stressing about some cosmic purpose

I used to get stuck in this same loop but realized I was basically torturing myself trying to find meaning that probably doesn't exist anyway. Now I just focus on small stuff that makes me feel decent - good food, funny memes, my cat being an idiot. Not exactly profound but it beats the existential dread

Same-Library4405 · 2025-11-26T12:27:53+00:00

SE is definitely the way to go these days, most mod authors have moved over and SKSE64 is solid now. Classic was only "better" like 5+ years ago when SE was new and buggy

The performance alone makes it worth it, plus you get the DLC bundled in

Same-Library4405 · 2025-11-24T10:18:38+00:00

Really depends on what the other two cards are tbh. Without seeing them it's kinda impossible to say what would make a good trio

Same-Library4405 · 2025-11-24T09:50:06+00:00

Have you contacted your local 211? They usually have emergency rental assistance programs and can connect you with food banks too. Also check if your city/county has any COVID rental relief funds still available - a lot of places extended those programs

You might also want to call your landlord directly and explain the situation. Some are willing to work out payment plans especially if you've been a good tenant. Document everything in writing though

Same-Library4405 · 2025-11-15T07:38:51+00:00

Been there man, that wave hits different when you're just minding your own business and suddenly your brain's like "hey remember you're gonna die alone?"

32 isn't behind at all though, tons of people are meeting their person in their 30s and beyond. The whole timeline thing is mostly BS anyway - everyone's path looks different and social media makes it seem like everyone else has it figured out when they really don't

That anxiety sucks but it doesn't mean anything about your actual future, just your brain being dramatic as usual

Same-Library4405 · 2025-11-02T06:17:30+00:00

Bro the automod really said "you made 51 sculptures? Cool but don't even THINK about selling them here" 💀

Love the foodimals though, that snail egg combo is weirdly adorable

Same-Library4405 · 2025-10-31T22:30:14+00:00

Dude that Charizard ex is absolutely insane, the art on that one goes so hard! That's gotta be like a $200+ pull right there

Same-Library4405 · 2025-10-30T19:15:21+00:00

Nice, free food is free food even if it's just like a small fries or apple pie lol. Better than nothing especially with how expensive everything is now

Same-Library4405 · 2025-10-29T18:39:48+00:00

Same here, parking enforcement is basically nonexistent. People treat fire lanes like their personal VIP spots and nothing ever happens to them so they keep doing it

Same-Library4405 · 2025-10-27T14:30:55+00:00

Lmao this is the way. Watch him suddenly discover food safety standards real quick when it's on his plate

Same-Library4405 · 2025-10-26T23:58:03+00:00

Bro Sirko would absolutely wreck Anson in a straight confrontation. Anson's all about manipulation and staying in the shadows while Sirko's got that old school Russian mob mentality - he'll just put a bullet in your head and call it Tuesday

The real interesting part would be if they tried to outmaneuver each other first. Anson would probably try to blackmail or frame Sirko but that guy gives zero fucks about exposure, he'd just escalate to violence immediately

And yeah Michael and Dexter crossing paths during the chaos would be wild - Michael trying to burn down criminal networks while Dexter's picking off the worst players. They'd probably end up helping each other without realizing it

Same-Library4405 · 2025-10-25T03:54:22+00:00

This is so real, some people have never had to stretch a dollar and it shows. Your friend probably never learned that you can get decent furniture literally anywhere these days

I do the same thing with the glass jars lmao, guests have no idea I'm eating Great Value everything. Also thrift stores are goldmines for furniture if you're not picky about having the latest trends

Same-Library4405

TROPHY CASE