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{"sheet":"With DTI Program","index":0,"n_rows":81,"n_cols":7,"rows_kept":81,"cut":false,"hidden":false,"merged":[[31,5,31,6],[43,5,43,6],[55,5,55,6],[67,5,67,6],[79,5,79,6],[0,2,0,4],[24,3,24,4],[10,1,10,2],[11,1,11,2],[12,1,12,2],[13,1,13,2],[22,1,26,1],[22,3,22,4],[23,3,23,4],[3,2,3,3],[2,1,2,5],[14,1,14,2],[9,1,9,5],[5,2,5,3],[16,1,16,4],[17,1,17,4],[18,1,18,4],[1,1,1,5],[7,2,7,3],[8,2,8,3],[4,2,4,3],[6,1,6,3],[55,2,55,3],[54,2,54,3],[31,2,31,3],[30,2,30,3],[25,2,25,4],[34,1,38,1],[39,1,43,1],[46,1,50,1],[27,1,31,1],[34,3,34,4],[35,3,35,4],[36,3,36,4],[37,2,37,4],[42,2,42,3],[43,2,43,3],[46,3,46,4],[47,3,47,4],[48,3,48,4],[49,2,49,4],[51,1,55,1],[70,1,74,1],[75,1,79,1],[58,1,62,1],[63,1,67,1],[79,2,79,3],[58,3,58,4],[59,3,59,4],[70,3,70,4],[71,3,71,4],[72,3,72,4],[73,2,73,4],[78,2,78,3],[60,3,60,4],[61,2,61,4],[66,2,66,3],[67,2,67,3]]}
[null,{"$error":"#VALUE!"},"Asset Utilization Calculator - 60 mo"]
[null,"V2.0 9/16/2022 Pass:LSM2021$"]
[null,"Please complete the highlighted fields."]
[null,"Loan Number",null,null,"Transaction Type"]
[null,"Borrower Name",null,null,"New Loan Amount"]
[null,"Borrower Age",null,null,"Purchase Price"]
[null,"Property Address   ",null,null,"Appraised Value"]
[null,"Street",null,null,"FICO Score"]
[null,"City, State & Zip",null,null,"Loan To Value (LTV)",{"$f":"IF(AND(F5>0,F7>0),(F5/F7),0)","v":0}]
[]
[null,"Assets",null,"Original Amount","Percentage Allowed","Usable Amount"]
[null,"Checking/Savings/Money Market",null,{"$f":"Sheet1!E38","v":0},1,{"$f":"D12*E12","v":0}]
[null,"Stocks and Bonds",null,{"$f":"Sheet1!B38","v":0},0.9,{"$f":"D13*E13","v":0}]
[null,"Mutual Funds",null,{"$f":"Sheet1!B62","v":0},0.9,{"$f":"D14*E14","v":0}]
[null,"Retirement Accounts (if distribution is not set up)",null,{"$f":"Sheet1!E62","v":0},0.8,{"$f":"D15*E15","v":0}]
[null,"Other:",null,{"$f":"Sheet1!B86","v":0},0.5,{"$f":"D16*E16","v":0}]
[null,"Eligible Asset Amount to be Amortized Over the Term of the Loan",null,null,null,{"$f":"SUM(F12:F16)","v":0}]
[null,"Loan Amortization Type (visual reference only)",null,null,null,"30 Year Fixed"]
[null,"Asset Utilization Income Calculation to be used on 1003 as \"Other Income\"",null,null,null,{"$f":"F17/60","v":0}]
[]
[null,null,"Underwriter"]
[]
[null,"Account 1","Account #"]
[null,null,"Type"]
[null,null,"Bank Name"]
[]
[null,null,null,"End Date (mm/dd/yyyy)","Ending Account Balance"]
[null,"3-Monthly \nStatements\n\nor","statement 1 (Oldest)"]
[null,null,"statement 2"]
[null,null,"statement 3 (Recent/Newest)",null,null,"This doc will expire on:",{"$f":"IF(D30>0, D30+90, \"n/a\")","v":"n/a"}]
[null,null,"Average 3 month period",null,{"$f":"IF(E30>0,(AVERAGE(E28:E30)),0)","v":0},{"$f":"IF(G30<TODAY(), \"EXPIRED!\", \" \")","v":" "}]
[null,null,"Variance of average & last statement",null,{"$f":"IF(E31>0,((E30-E31)/E31),0)","v":0},{"$f":"IF(E32>15%, \"Exceeds range, additional documents required\", IF(E32<-15%, \"Exceeds range, additional documents required\", \" \"))","v":" "}]
[null,"1-Quarterly Statement","Quarterly Statement"]
[]
[null,"Account 2","Account #"]
[null,null,"Type"]
[null,null,"Bank Name"]
[]
[null,null,null,"End Date (mm/dd/yyyy)","Ending Account Balance"]
[null,"3-Monthly \nStatements\n\nor","statement 1 (Oldest)"]
[null,null,"statement 2"]
[null,null,"statement 3 (Recent/Newest)",null,null,"This doc will expire on:",{"$f":"IF(D42>0, D42+90, \"n/a\")","v":"n/a"}]
[null,null,"Average 3 month period",null,{"$f":"IF(E42>0,(AVERAGE(E40:E42)),0)","v":0},{"$f":"IF(G42<TODAY(), \"EXPIRED!\", \" \")","v":" "}]
[null,null,"Variance of average & last statement",null,{"$f":"IF(E43>0,((E42-E43)/E43),0)","v":0},{"$f":"IF(E44>15%, \"Exceeds range, additional documents required\", IF(E44<-15%, \"Exceeds range, additional documents required\", \" \"))","v":" "}]
[null,"1-Quarterly Statement","Quarterly Statement"]
[]
[null,"Account 3","Account #"]
[null,null,"Type"]
[null,null,"Bank Name"]
[]
[null,null,null,"End Date (mm/dd/yyyy)","Ending Account Balance"]
[null,"3-Monthly \nStatements\n\nor","statement 1 (Oldest)"]
[null,null,"statement 2"]
[null,null,"statement 3 (Recent/Newest)",null,null,"This doc will expire on:",{"$f":"IF(D54>0, D54+90, \"n/a\")","v":"n/a"}]
[null,null,"Average 3 month period",null,{"$f":"IF(E54>0,(AVERAGE(E52:E54)),0)","v":0},{"$f":"IF(G54<TODAY(), \"EXPIRED!\", \" \")","v":" "}]
[null,null,"Variance of average & last statement",null,{"$f":"IF(E55>0,((E54-E55)/E55),0)","v":0},{"$f":"IF(E56>15%, \"Exceeds range, additional documents required\", IF(E56<-15%, \"Exceeds range, additional documents required\", \" \"))","v":" "}]
[null,"1-Quarterly Statement","Quarterly Statement"]
[]
[null,"Account 4","Account #"]
[null,null,"Type"]
[null,null,"Bank Name"]
[]
[null,null,null,"End Date (mm/dd/yyyy)","Ending Account Balance"]
[null,"3-Monthly \nStatements\n\nor","statement 1 (Oldest)"]
[null,null,"statement 2"]
[null,null,"statement 3 (Recent/Newest)",null,null,"This doc will expire on:",{"$f":"IF(D66>0, D66+90, \"n/a\")","v":"n/a"}]
[null,null,"Average 3 month period",null,{"$f":"IF(E66>0,(AVERAGE(E64:E66)),0)","v":0},{"$f":"IF(G66<TODAY(), \"EXPIRED!\", \" \")","v":" "}]
[null,null,"Variance of average & last statement",null,{"$f":"IF(E67>0,((E66-E67)/E67),0)","v":0},{"$f":"IF(E68>15%, \"Exceeds range, additional documents required\", IF(E68<-15%, \"Exceeds range, additional documents required\", \" \"))","v":" "}]
[null,"1-Quarterly Statement","Quarterly Statement"]
[]
[null,"Account 5","Account #"]
[null,null,"Type"]
[null,null,"Bank Name"]
[]
[null,null,null,"End Date (mm/dd/yyyy)","Ending Account Balance"]
[null,"3-Monthly \nStatements\n\nor","statement 1 (Oldest)"]
[null,null,"statement 2"]
[null,null,"statement 3 (Recent/Newest)",null,null,"This doc will expire on:",{"$f":"IF(D78>0, D78+90, \"n/a\")","v":"n/a"}]
[null,null,"Average 3 month period",null,{"$f":"IF(E78>0,(AVERAGE(E76:E78)),0)","v":0},{"$f":"IF(G78<TODAY(), \"EXPIRED!\", \" \")","v":" "}]
[null,null,"Variance of average & last statement",null,{"$f":"IF(E79>0,((E78-E79)/E79),0)","v":0},{"$f":"IF(E80>15%, \"Exceeds range, additional documents required\", IF(E80<-15%, \"Exceeds range, additional documents required\", \" \"))","v":" "}]
[null,"1-Quarterly Statement","Quarterly Statement"]

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[null,{"$error":"#VALUE!"},"\"NO DTI\" Program"]
[null,null,null,null,null,"V2.0 9/16/2022"]
[null,"Please complete the highlighted fields.",null,null,null,null,null,"Assets Account Statement History"]
[null,"Loan Number",null,null,"Transaction Type"]
[null,"Borrower Name",null,null,"Loan Amount",null,null,"Account 1","Account #"]
[null,"Subject Property Address   ",null,null,"Loan Program",null,null,null,"Type"]
[null,"Street",null,null,"Note Rate",null,null,null,"Bank Name"]
[null,"City, State & Zip"]
[null,null,null,null,null,null,null,null,null,"End Date (mm/dd/yyyy)","Ending Account Balance"]
[null,"Assets",null,"Original Amount","Percentage Allowed","Usable Amount",null,"3-Monthly \nStatements\n\nor","statement 1 (Oldest)"]
[null,"Checking/Savings/Money Market",null,{"$f":"Sheet1!J38","v":0},1,{"$f":"D11*E11","v":0},null,null,"statement 2"]
[null,"Stocks and Bonds",null,{"$f":"Sheet1!G38","v":0},0.9,{"$f":"D12*E12","v":0},null,null,"statement 3 (Recent/Newest)",null,null,"This doc will expire on:",{"$f":"IF(J12>0,J12+90,\"n/a\")","v":"n/a"}]
[null,"Mutual Funds",null,{"$f":"Sheet1!G62","v":0},0.9,{"$f":"D13*E13","v":0},null,null,"Average 3 month period",null,{"$f":"IF(K11>0,(AVERAGE(K10:K11)),0)","v":0},{"$f":"IF(M12<TODAY(), \"EXPIRED!\", \" \")","v":" "}]
[null,"Retirement Accounts (if distribution is not set up)",null,{"$f":"Sheet1!J62","v":0},0.8,{"$f":"D14*E14","v":0},null,null,"Variance of average & last statement",null,{"$f":"IF(K13>0,((K11-K13)/K13),0)","v":0},{"$f":"IF(K14>15%, \"Exceeds range, additional documents required\", IF(K14<-15%, \"Exceeds range, additional documents required\", \" \"))","v":" "}]
[null,"Other:",null,{"$f":"Sheet1!G86","v":0},0.4,{"$f":"D15*E15","v":0},null,"1-Quarterly Statement","Quarterly Statement"]
[null,"Note:  Any asset that has a loan against it (borrowing on margin, 401 K loan etc.…) must be netted against the asset."]
[null,null,null,null,null,null,null,"Account 2","Account #"]
[null,"Total Allowable (Usable) Assets",null,null,null,{"$f":"SUM(F11:F15)","v":0},null,null,"Type"]
[null,null,null,null,null,null,null,null,"Bank Name"]
[null,"Account Expiration Date",null,"Status","Todays Expiration Date",{"$f":"TODAY()-90","v":"2024-02-09"}]
[null,"Account 1",{"$f":"M12","v":"n/a"},{"$f":"L13","v":" "},"Account Statements cannot be older than 90 days.",null,null,null,null,"End Date (mm/dd/yyyy)","Ending Account Balance"]
[null,"Account 2 ",{"$f":"M24","v":"n/a"},{"$f":"L25","v":" "},null,null,null,"3-Monthly \nStatements\n\nor","statement 1 (Oldest)"]
[null,"Account 3",{"$f":"M36","v":"n/a"},{"$f":"L37","v":" "},null,null,null,null,"statement 2"]
[null,"Account 4",{"$f":"M48","v":"n/a"},{"$f":"L49","v":" "},null,null,null,null,"statement 3 (Recent/Newest)",null,null,"This doc will expire on:",{"$f":"IF(J24>0, J24+90, \"n/a\")","v":"n/a"}]
[null,"Account 5",{"$f":"M60","v":"n/a"},{"$f":"L61","v":" "},null,null,null,null,"Average 3 month period",null,{"$f":"IF(K24>0,(AVERAGE(K22:K24)),0)","v":0},{"$f":"IF(M24<TODAY(), \"EXPIRED!\", \" \")","v":" "}]
[null,null,null,null,null,null,null,null,"Variance of average & last statement",null,{"$f":"IF(K25>0,((K24-K25)/K25),0)","v":0},{"$f":"IF(K26>15%, \"Exceeds range, additional documents required\", IF(K26<-15%, \"Exceeds range, additional documents required\", \" \"))","v":" "}]
[null,"Subject Property - New Loan Calculator",null,null,null,null,null,"1-Quarterly Statement","Quarterly Statement"]
[null,"Innitial Costs",null,"Monthly PITIA or ITIA Calculator"]
[null,"Loan Amount",{"$f":"F5","v":0},"Monthly principle and/or interest",null,{"$f":"Sheet1!I13","v":0},null,"Account 3","Account #"]
[null,"Down Payment (if purchase)",null,"Monthly Taxes + Insurance, + HOA dues",null,null,null,null,"Type"]
[null,"Closing Costs + pre-paids",null,"Monthly PITIA/ITIA Payment",null,{"$f":"SUM(F29:F30)","v":0},null,null,"Bank Name"]
[null,"TOTAL",{"$f":"SUM(C29:C31)","v":0},"Monthly PITIA/ITIA X 60 months (5yrs) =",null,{"$f":"F31*60","v":0}]
[null,null,null,null,null,null,null,null,null,"End Date (mm/dd/yyyy)","Ending Account Balance"]
[null,"\"All Other\" Current Montly Debt Obligations",null,null,null,null,null,"3-Monthly \nStatements\n\nor","statement 1 (Oldest)"]
[null,"Total of \"All Other Monthly Debts\" - Not including PITIA or ITIA\nInclude: Revolving credit or Installment payments listed on credit report\nNegative-Cash-Flow on other NOO real estate owned-cumulative\n*P&I on Subject Property Excluded\nIf subject property is NOO, include the Primary Residence PITIA, and any 2nd home PITIA.\nIf subject property is a 2nd home, please include Primary PITIA.\n\nFor additional entries, see bottom of document.",null,null,"Monthly",null,null,null,"statement 2"]
[null,null,null,null,"enter item",null,null,null,"statement 3 (Recent/Newest)",null,null,"This doc will expire on:",{"$f":"IF(J36>0,J36+90,\"n/a\")","v":"n/a"}]
[null,null,null,null,"enter item",null,null,null,"Average 3 month period",null,{"$f":"IF(K36>0,(AVERAGE(K34:K36)), 0)","v":0},{"$f":"IF(M36<TODAY(), \"EXPIRED!\", \" \")","v":" "}]
[null,null,null,null,"enter item",null,null,null,"Variance of average & last statement",null,{"$f":"IF(K37>0,((K36-K37)/K37),0)","v":0},{"$f":"IF(K38>15%, \"Exceeds range, additional documents required\", IF(K38<-15%, \"Exceeds range, additional documention required\", \" \"))","v":" "}]
[null,null,null,null,"enter item",null,null,"1-Quarterly Statement","Quarterly Statement"]
[null,null,null,null,"Total from below (cell C69)",{"$f":"C69","v":0}]
[null,"Total \"All Other\" Monthly Expenses",null,null,null,{"$f":"SUM(F36:F40)","v":0},null,"Account 4","Account #"]
[null,"\"All Other\" Debts X 60 months (5 yrs) =",null,null,null,{"$f":"F41*60","v":0},null,null,"Type"]
[null,null,null,null,null,null,null,null,"Bank Name"]
[null,"Reserves Needed"]
[null,"Subject Property Reserves Needed (select months)",null,null,null,{"$f":"IF(E45=\"None\",F31*0,IF(E45=\"3 months\",F31*3,IF(E45=\"6 months\",F31*6,IF(E45=\"9 months\",F31*9,IF(E45=\"12 months\",F31*12,IF(E45=\"24 months\",F31*24,))))))","v":0},null,null,null,"End Date (mm/dd/yyyy)","Ending Account Balance"]
[null,"Reserves Needed for Addl REO  (2 mo. per property)",null,null,null,{"$f":"IF(E46=\"None\",F31*0,IF(E46=\"2 months (1 property)\",F31*2,IF(E46=\"4 months (2 properties)\",F31*4,IF(E46=\"6 months (3 properties)\",F31*6,IF(E46=\"8 months (4 properties)\",F31*8,IF(E46=\"10 months (5 properties)\",F31*10,IF(E46=\"12 months (6 properties)\",F31*12,)))))))","v":0},null,"3-Monthly \nStatements\n\nor","statement 1 (Oldest)"]
[null,"Total Reserves Needed ",null,null,null,{"$f":"SUM(F45:F46)","v":0},null,null,"statement 2"]
[null,null,null,null,null,null,null,null,"statement 3 (Recent/Newest)",null,null,"This doc will expire on:",{"$f":"IF(J48>0, J48+90, \"n/a\")","v":"n/a"}]
[null,"Final Calculations Sumary",null,null,null,null,null,null,"Average 3 month period",null,{"$f":"IF(K48>0,(AVERAGE(K46:K48)), 0)","v":0},{"$f":"IF(M48<TODAY(), \"EXPIRED!\", \" \")","v":" "}]
[null,"Loan Amount Initial Costs",null,{"$f":"C32","v":0},"Do you qualify?",null,null,null,"Variance of average & last statement",null,{"$f":"IF(K49>0,((K48-K49)/K49),0)","v":0},{"$f":"IF(K50>15%, \"Exceeds range, additional documents required\", IF(K50<-15%, \"Exceeds range, additional documents required\", \" \"))","v":" "}]
[null,"5 yrs \"All Other\" debts",null,{"$f":"F42","v":0},null,null,null,"1-Quarterly Statement","Quarterly Statement"]
[null,"5 yrs Taxes & Insurance Payments",null,{"$f":"F30*60","v":0}]
[null,"Total Reserves",null,{"$f":"F47","v":0},{"$f":"IF(D55>D54, \"YES!\", \"NO\")","v":"NO"},null,null,"Account 5","Account #"]
[null,"Qualifying Amount needed",null,{"$f":"SUM(D50:D53)","v":0},null,null,null,null,"Type"]
[null,"Total Assets available",null,{"$f":"F18","v":0},null,null,null,null,"Bank Name"]
[]
[null,null,null,null,null,null,null,null,null,"End Date (mm/dd/yyyy)","Ending Account Balance"]
[null,null,"Underwriter",null,"Date",null,null,"3-Monthly \nStatements\n\nor","statement 1 (Oldest)"]
[null,null,null,null,null,null,null,null,"statement 2"]
[null,null,null,null,null,null,null,null,"statement 3 (Recent/Newest)",null,null,"This doc will expire on:",{"$f":"IF(J60>0,J60+90, \"n/a\")","v":"n/a"}]
[null,"\"All Other\" Monthly Debt - Continued",null,null,null,null,null,null,"Average 3 month period",null,{"$f":"IF(K60>0,(AVERAGE(K58:K60)), 0)","v":0},{"$f":"IF(M60<TODAY(), \"EXPIRED!\", \" \")","v":" "}]
[null,"enter item description","Amount",null,null,null,null,null,"Variance of average & last statement",null,{"$f":"IF(K61>0,((K60-K61)/K61),0)","v":0},{"$f":"IF(K62>15%, \"Exceeds range, additional documents required\", IF(K62<-15%, \"Exceeds range, additional documents required\", \" \"))","v":" "}]
[null,"enter item",null,null,null,null,null,"1-Quarterly Statement","Quarterly Statement"]
[null,"enter item"]
[null,"enter item"]
[null,"enter item"]
[null,"enter item"]
[null,"enter item"]
[null,"Total",{"$f":"SUM(C63:C68)","v":0}]

{"sheet":"Sheet1","index":2,"n_rows":103,"n_cols":10,"rows_kept":103,"cut":false,"hidden":false,"merged":[[0,0,0,4],[0,5,0,8],[15,0,15,4],[15,5,15,9]]}
["With DTI",null,null,null,null,"Without DTI"]
["Transaction Type","Loan Amorization Type","FICO Range","Account Type","Asset Percentage","subject reserves needed","Additional REO","Loan Program"]
["Purchase","15 Year Fixed","600+","Checking/Savings/Money Market",1,"None","None","15 Year Fixed",{"$f":"IF('No DTI Program'!F6=\"15 Year Fixed\",-PMT('No DTI Program'!F7/12,180,'No DTI Program'!F5))","v":false}]
["R/T Refinance","30 Year Fixed","below 600","Stocks and Bonds",0.9,"3 Months","2 months (1 property)","30 Year Fixed",{"$f":"IF('No DTI Program'!F6=\"30 Year Fixed\",-PMT('No DTI Program'!F7/12,360,'No DTI Program'!F5))","v":false}]
["Cash Out Refinance","40 Year Fixed",null,"Mutual Funds",0.8,"6 Months","4 months (2 properties)","30 Year IO",{"$f":"IF('No DTI Program'!F6=\"30 Year IO\",-IPMT('No DTI Program'!F7/12,1,30*12,'No DTI Program'!F5))","v":false}]
[null,"5/6 ARM",null,"Retirement Accounts",0.7,"9 months","6 months (3 properties)","40 Year Fixed ",{"$f":"IF('No DTI Program'!F6=\"40 Year IO\",-IPMT('No DTI Program'!F7/12,1,40*12,'No DTI Program'!F5))","v":false}]
[null,"7/6 ARM",null,"Other",0.6,"12 Months","8 months (4 properties)","40 Year IO",{"$f":"IF('No DTI Program'!F6=\"5/6 ARM (30yr)\",-PMT('No DTI Program'!F7/12,360,'No DTI Program'!F5))","v":false}]
[null,null,null,null,0.5,"24 months","10 months (5 properties)","5/6 ARM",{"$f":"IF('No DTI Program'!F6=\"5/6 ARM (30yr IO)\",-IPMT('No DTI Program'!F7/12,1,30*12,'No DTI Program'!F5))","v":false}]
[null,null,null,null,0.4,null,"12 months (6 properties)","5/6 ARM IO",{"$f":"IF('No DTI Program'!F6=\"7/6 ARM (30yr)\",-PMT('No DTI Program'!F7/12,360,'No DTI Program'!F5))","v":false}]
[null,null,null,null,0.3,null,null,"7/6 ARM",{"$f":"IF('No DTI Program'!F6=\"7/6 ARM (30yr IO)\",-IPMT('No DTI Program'!F7/12,1,30*12,'No DTI Program'!F5))","v":false}]
[null,null,null,null,0.2,null,null,"7/6 ARM IO"]
[null,null,null,null,0.1]
[null,null,null,null,null,null,null,null,{"$f":"SUM(I3:I12)","v":0}]
[]
[]
["Calculations",null,null,null,null,"Calculations"]
["Stocks and Bonds",null,null,"Checking/Savings/Money Market",null,"Stocks and Bonds",null,null,"Checking/Savings/Money Market"]
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[]
[]
["Mutual Funds",null,null,"Retirement Accounts",null,"Mutual Funds",null,null,"Retirement Accounts"]
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["Total",{"$f":"SUM(B44:B45,B48:B49,B52:B53,B56:B57,B60:B61)","v":0},null,"Total",{"$f":"SUM(E44:E45,E48:E49,E52:E53,E56:E57,E60:E61)","v":0},"Total",{"$f":"SUM(G44:G45,G48:G49,G52:G53,G56:G57,G60:G61)","v":0},null,"Total",{"$f":"SUM(J44:J45,J48:J49,J52:J53,J56:J57,J60:J61)","v":0}]
[]
[]
["Other",null,null,null,null,"Other"]
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["lesser value used",{"$f":"IF(B79<B78, B79, B78)","v":0},null,null,null,"lesser value used",{"$f":"IF(G79<G78, G79, G78)","v":0}]
["quarterly",{"$f":"IF('With DTI Program'!D60=\"Other\", 'With DTI Program'!E69, 0)","v":0},null,null,null,"quarterly",{"$f":"IF('No DTI Program'!J42=\"Other\", 'No DTI Program'!K51, 0)","v":0}]
["acct 5",{"$f":"IF('With DTI Program'!D72=\"Other\", 'With DTI Program'!E78, 0)","v":0},null,null,null,"acct 5",{"$f":"IF('No DTI Program'!J54=\"Other\", 'No DTI Program'!K60, 0)","v":0}]
["average",{"$f":"IF('With DTI Program'!D72=\"Other\", 'With DTI Program'!E79, 0)","v":0},null,null,null,"average",{"$f":"IF('No DTI Program'!J54=\"Other\", 'No DTI Program'!K61, 0)","v":0}]
["lesser value used",{"$f":"IF(B83<B82, B83, B82)","v":0},null,null,null,"lesser value used",{"$f":"IF(G83<G82, G83, G82)","v":0}]
["quarterly",{"$f":"IF('With DTI Program'!D72=\"Other\", 'With DTI Program'!E81, 0)","v":0},null,null,null,"quarterly",{"$f":"IF('No DTI Program'!J54=\"Other\", 'No DTI Program'!K63, 0)","v":0}]
["Total",{"$f":"SUM(B68:B69,B72:B73,B76:B77,B80:B81,B84:B85)","v":0},null,null,null,"Total",{"$f":"SUM(G68:G69,G72:G73,G76:G77,G80:G81,G84:G85)","v":0}]
[]
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["Calculations: ","Average = the average of the 3 month statements. "]
[null,"Lesser value used = use whichever is less - the average or the 3rd mo statement amount"]
[null,"Total = Lesser Values + Quarterly statements"]
[null,"Quarterly statements and 1st month statements have data validation so you can't enter amount for both types (user must choose 3-mo OR 1-qtr). "]