When write-offs bury your income on paper, we can evaluate deposits over 12–24 months to show how you really earn.

• Personal vs. business statements: We’ll pick the route that best reflects your cash flow.
• Expense factor: Document a sensible expense ratio—no inflated assumptions.
• Clean statements: We’ll prep transfers, Zelle/Venmo, and owner draws so they’re underwriter-friendly.
• Straight talk: If returns win, we’ll use them. If statements win, we’ll do that—no agenda.

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