Notes on the work
Each one walks a piece of the file the way the software walks it, with the form, the line and the rule named, and the sample file's numbers where numbers help. Read them in any order.
- 1084
How the Form 1084 add backs actually work
One Schedule C borrower, two tax years, five lines and a 24 month average, added up on the page so you can check every cent.
- deposits
What the large deposit rule asks for, and what a drafted letter should say
The two thresholds, where a source has to come from, how seasoning is read across two statements, and the six things the borrower’s letter has to carry.
- conditions
Prior to doc or prior to close: writing conditions an LOS can carry
Which side of the line each condition sits on, one requirement per row, the page that raised it, and the file that goes up instead of out.
- governance
The governance file a lender now keeps on every AI tool
Lender Letter LL-2026-04 and Guide Section 1302.8 in plain terms: what the inventory lists, who owns each row, what gets validated on your own files, and what a vendor has to hand you.