Self-Employed Borrower Tools by Enact MI

We get it, mental math is hard. That’s why Enact provides a collection of downloadable calculators and reference guides to help you analyze a self-employed borrower’s average monthly income and expenses.

Please note that these tools offer suggested guidance, they don’t replace instructions or applicable guidelines from the GSEs.

Due to various internet browser versions, please download and save PDF before entering data. Please note, calculators are updated periodically. 


UPDATED Fannie Mae Form 1084 Calculator (2021-2020)

UPDATED Fannie Mae Form 1084 Calculator XLS (2021-2020)

UPDATED Freddie Mac Form 91 Calculator (2021-2020)

UPDATED Freddie Mac Form 92 Calculator (2021-2020)

UPDATED Rental Income Calculator (2021-2020)

UPDATED Current Ratio – Liquidity Calculator (2021-2020)

UPDATED Quick Ratio – Liquidity Calculator (2021-2020)

Fannie Mae Rental Guide (Calculator 1037)

Fannie Mae Rental Guide (Calculator 1038)

Fannie Mae Rental Guide (Calculator 1039)

Fannie Mae Form 1088 Cheat Sheet

Fannie Mae Comparative Analysis Form 1088

Income Calculation Worksheet

P&L Calculator

Business Stability and Income Worksheet (2022)