Are Your Write-Offs Costing You More Than a Rate Bump?
Self-employed borrowers: see if keeping your tax write-offs and taking a slightly higher rate saves you money overall.
Zack Cervantes · NMLS #502342 · New American Funding
See What You Qualify For
Free · No credit pull · About 60 seconds
Step 1 of 6
Are you buying or refinancing?
Your Numbers
Results
Net Annual Benefit
+$24,473/yr
Write-offs win — 7.3x return on rate premium
Tax Savings
$28,379/yr
Rate Premium
$3,906/yr
Net Income
$180,000
Conventional Payment
$3,113/mo
Alt-Doc Payment
$3,439/mo
For every $1 of extra mortgage cost from the higher rate, the write-off strategy saves 7.3x in taxes.
One-page PDF with your inputs, the verdict, and Zack's contact card — sized for email.
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