One year vs two, the 120% cap, add-backs line by line, company and trust income, business debt, alt-doc pricing, and worked borrowing power for $100,000 vs $150,000 assessed.
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Every figure is dated and traceable to a public source. The last section of the guide lists them.
One year or two, the 120% growth cap, falling income, NOA vs financials, and the date after which last year is stale.
Depreciation and its cap, refinanced interest, super above the guarantee, one-offs, and the $6,000 that is worth $37,603 of borrowing.
BAS and bank statement paths, ABN and GST ladders by lender tier, 80% to 90% LVR and the 0.35% to 0.50% premium.
The problem is arithmetic, not character
One year or two, and which year counts
Where assessed income is actually created
Salary, dividends, retained profits and the thresholds that gate them
Excluded, expensed, or guaranteed
The right tool, at the right price, with an exit date
What the income difference is actually worth
What to send, and when it stops counting
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