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Audit Trail
Raw
audit.txt
╭──────────────────────────────────────────────────────────────────────────────────────────────────────── Audit Trail ────────────────────────────────────────────────────────────────────────────────────────────────────────╮
│ Case: b94f54aa-4944-44e3-9add-1282cf6f986c │
│ Events: 29 │
╰─────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────╯
>>> intake.file.processed #12065 18:48:51 #872375a9
├── File: horizons_april_2024.pdf
└── Pages: 22
... stitch.system.completed #12066 18:54:28 #690b2d83
├── Documents: {'pages': [1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20], 'doc_type': 'BankStatement', 'confidence': 1.0}, {'pages': [21, 22], 'doc_type': 'FinancialDocument', 'confidence': 1.0}
├── Page Count: 22
├── Confidence Min: 1
└── Document Count: 2
<<< extraction.system.extracted #12067 18:54:32 #bc2861ce
├── Doc Id: c6557e87 (FinancialDocument (2024))
├── Doc Type: FinancialDocument
├── Fact Count: 0
└── Page Numbers: 21, 22
<<< extraction.system.extracted #12068 18:54:53 #449cb0ba
├── Doc Id: 40419421 (BankStatement (2024))
├── Doc Type: BankStatement
├── Fact Count: 16
└── Page Numbers: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20
... review.system.started #12069 18:58:36 #3baa7329
├── Pass Number: 1
└── Document Count: 2
... review.system.completed #12070 18:58:36 #7ff2ce9d
├── Reasoning: During the review of Document 2 (BankStatement, Tax Year 2024) the stitching appears correct – all 20 pages are included with a confidence of 1.00 and there are no duplicate anchor fields. The tax year
│ matches the document metadata. However, the extracted financial totals are inconsistent: \n- Beginning balance: 41,161.80\n- Total deposits: 869,903.77\n- Total withdrawals: 903,164.52\n- Overdraft fees: 3,241.00\n-
│ Expected ending balance (41,161.80 + 869,903.77 - 903,164.52 - 3,241.00) = 4,660.0
├── Ops Applied: 0
├── Ops Flagged: 0
└── Pass Number: 1
*** identify.started #12071 18:58:44 #210481e9
*** identify.completed #12072 18:58:44 #967706a7
├── Mfj Count: 0
├── Mention Count: 1
└── Identity Count: 1
... banking.started #12073 18:58:45 #c484e29c
... banking.completed #12074 18:58:45 #4dc4f665
├── Account Count: 0
├── Payee Cluster Count: 0
├── Transfer Pair Count: 0
└── Statement Duplicate Count: 0
... qualify.started #12075 18:58:45 #e8eec274
├── Products: fannie_mae, freddie_mac, fha, va
├── Doc Types: BankStatement, FinancialDocument
└── Extraction Count: 16
... qualify.spec.evaluated #12076 18:58:45 #fc804c08
├── Spec Name: fnma_employment_wages_income
├── Monthly Income: 0
├── Outcome: null
├── Product: fannie_mae
├── Key Derivations: {}
├── Proof Trace:
│ └── qualify_monthly_qualifying_income_not_both_positive ()
└── Calculation Steps:
├── --- Unknown Employer #1 (unknown_1) --- = null
├── total_y1 = 0 0.00 + 0.00 + 0.00
├── total_y2 = 0 0.00 + 0.00 + 0.00
├── yoy_change = 0 0.00 != 0.0 ? (0.00 - 0.00) / 0.00 : 0.0
├── two_year_avg = 0 (0.00 + 0.00) / 2.0
├── lower_year = 0 min(0.00, 0.00)
├── both_positive = false 0.00 > 0.0 && 0.00 > 0.0
├── is_declining = false 0.00 < 0.00
├── qualify_monthly_qualifying_income_not_both_positive_val = 0 0.0
├── qualify_monthly_qualifying_income_is_declining_val = 0 0.00 / 12.0
├── qualify_monthly_qualifying_income_default_val = 0 0.00 / 12.0
└── monthly_qualifying_income = 0 !0.00 ? 0.0 : (0.00 ? 0.00 / 12.0 : (0.00 / 12.0))
... qualify.spec.evaluated #12077 18:58:45 #cbbe6313
├── Spec Name: fnma_total_income
├── Monthly Income: 0
├── Outcome: null
├── Product: fannie_mae
├── Key Derivations: {}
├── Proof Trace:
│ └── qualify_monthly_qualifying_income_total_monthly_qualifying_income > 0.0 ()
├── Matching Rules: t^{,total_monthly_qualifying_income > 0.0}_{∅}
└── Calculation Steps:
├── subtotal_employment = 0 0.00 + 0.00
├── subtotal_passive = 0 0.00 + 0.00
├── subtotal_self_employment = 0 0.00 + 0.00 + 0.00
├── subtotal_business = 0 0.00 + 0.00 + 0.00
├── subtotal_other = 0 0.00
├── total_monthly_qualifying_income = 0 0.00 + 0.00 + 0.00 + 0.00 + 0.00
├── qualify_monthly_qualifying_income_total_monthly_qualifying_income > 0.0_val = 0 0.00
├── qualify_monthly_qualifying_income_default_val = 0 0.0
└── monthly_qualifying_income = 0 0.00 > 0.0 ? 0.00 : (0.0)
... qualify.spec.evaluated #12078 18:58:45 #656c9970
├── Spec Name: fnma_income_trend_analysis
├── Monthly Income: 0
├── Outcome: null
├── Product: fannie_mae
├── Key Derivations:
│ └── is_stable = true
└── Calculation Steps:
├── total_y1 = 0 0.00
├── total_y2 = 0 0.00
├── total_monthly = 0 0.00
├── yoy_change_pct = 0 0.00 != 0.0 ? ((0.00 - 0.00) / 0.00) * 100.0 : 0.0
├── two_year_avg_monthly = 0 (0.00 + 0.00) / 24.0
├── lower_year_monthly = 0 min(0.00, 0.00) / 12.0
├── has_ytd_data = false 0.00 > 0.0
├── ytd_monthly_avg = 0 0.00 > 0.0 ? 0.00 / 0.00 : 0.0
├── is_increasing = false 0.00 > 0.0
├── is_stable = true 0.00 >= 0.0
└── is_declining = false 0.00 < 0.0
... qualify.spec.evaluated #12079 18:58:45 #11c209cf
├── Spec Name: fhlmc_employment_wages_income
├── Monthly Income: 0
├── Outcome: null
├── Product: freddie_mac
├── Key Derivations: {}
├── Proof Trace:
│ └── qualify_monthly_qualifying_income_not_both_positive ()
└── Calculation Steps:
├── --- Unknown Employer #1 (unknown_1) --- = null
├── total_y1 = 0 0.00 + 0.00 + 0.00
├── total_y2 = 0 0.00 + 0.00 + 0.00
├── yoy_change = 0 0.00 != 0.0 ? (0.00 - 0.00) / 0.00 : 0.0
├── two_year_avg = 0 (0.00 + 0.00) / 2.0
├── lower_year = 0 min(0.00, 0.00)
├── both_positive = false 0.00 > 0.0 && 0.00 > 0.0
├── is_declining = false 0.00 < 0.00
├── qualify_monthly_qualifying_income_not_both_positive_val = 0 0.0
├── qualify_monthly_qualifying_income_is_declining_val = 0 0.00 / 12.0
├── qualify_monthly_qualifying_income_default_val = 0 0.00 / 12.0
└── monthly_qualifying_income = 0 !0.00 ? 0.0 : (0.00 ? 0.00 / 12.0 : (0.00 / 12.0))
... qualify.spec.evaluated #12080 18:58:45 #b91ca3e8
├── Spec Name: fhlmc_total_income
├── Monthly Income: 0
├── Outcome: null
├── Product: freddie_mac
├── Key Derivations: {}
├── Proof Trace:
│ └── qualify_monthly_qualifying_income_total_monthly_qualifying_income > 0.0 ()
├── Matching Rules: t^{,total_monthly_qualifying_income > 0.0}_{∅}
└── Calculation Steps:
├── subtotal_employment = 0 0.00 + 0.00
├── subtotal_passive = 0 0.00 + 0.00
├── subtotal_self_employment = 0 0.00 + 0.00 + 0.00
├── subtotal_business = 0 0.00 + 0.00 + 0.00
├── subtotal_other = 0 0.00
├── total_monthly_qualifying_income = 0 0.00 + 0.00 + 0.00 + 0.00 + 0.00
├── qualify_monthly_qualifying_income_total_monthly_qualifying_income > 0.0_val = 0 0.00
├── qualify_monthly_qualifying_income_default_val = 0 0.0
└── monthly_qualifying_income = 0 0.00 > 0.0 ? 0.00 : (0.0)
... qualify.spec.evaluated #12081 18:58:45 #437ae6f0
├── Spec Name: fhlmc_income_trend_analysis
├── Monthly Income: 0
├── Outcome: null
├── Product: freddie_mac
├── Key Derivations:
│ └── is_stable = true
└── Calculation Steps:
├── total_y1 = 0 0.00
├── total_y2 = 0 0.00
├── total_monthly = 0 0.00
├── yoy_change_pct = 0 0.00 != 0.0 ? ((0.00 - 0.00) / 0.00) * 100.0 : 0.0
├── two_year_avg_monthly = 0 (0.00 + 0.00) / 24.0
├── lower_year_monthly = 0 min(0.00, 0.00) / 12.0
├── has_ytd_data = false 0.00 > 0.0
├── ytd_monthly_avg = 0 0.00 > 0.0 ? 0.00 / 0.00 : 0.0
├── is_increasing = false 0.00 > 0.0
├── is_stable = true 0.00 >= 0.0
└── is_declining = false 0.00 < 0.0
... qualify.spec.evaluated #12082 18:58:45 #b3746d04
├── Spec Name: fha_employment_wages_income
├── Monthly Income: 0
├── Outcome: null
├── Product: fha
├── Key Derivations: {}
├── Proof Trace:
│ └── qualify_monthly_qualifying_income_not_both_positive ()
└── Calculation Steps:
├── --- Unknown Employer #1 (unknown_1) --- = null
├── total_y1 = 0 0.00 + 0.00 + 0.00
├── total_y2 = 0 0.00 + 0.00 + 0.00
├── yoy_change = 0 0.00 != 0.0 ? (0.00 - 0.00) / 0.00 : 0.0
├── two_year_avg = 0 (0.00 + 0.00) / 2.0
├── lower_year = 0 min(0.00, 0.00)
├── both_positive = false 0.00 > 0.0 && 0.00 > 0.0
├── is_declining = false 0.00 < -0.20
├── qualify_monthly_qualifying_income_not_both_positive_val = 0 0.0
├── qualify_monthly_qualifying_income_is_declining_val = 0 0.00 / 12.0
├── qualify_monthly_qualifying_income_default_val = 0 0.00 / 12.0
└── monthly_qualifying_income = 0 !0.00 ? 0.0 : (0.00 ? 0.00 / 12.0 : (0.00 / 12.0))
... qualify.spec.evaluated #12083 18:58:45 #3e443794
├── Spec Name: fha_total_income
├── Monthly Income: 0
├── Outcome: null
├── Product: fha
├── Key Derivations: {}
├── Proof Trace:
│ └── qualify_monthly_qualifying_income_total_monthly_qualifying_income > 0.0 ()
├── Matching Rules: t^{,total_monthly_qualifying_income > 0.0}_{∅}
└── Calculation Steps:
├── subtotal_employment = 0 0.00 + 0.00
├── subtotal_passive = 0 0.00 + 0.00
├── subtotal_self_employment = 0 0.00 + 0.00 + 0.00
├── subtotal_business = 0 0.00 + 0.00 + 0.00
├── subtotal_other = 0 0.00
├── total_monthly_qualifying_income = 0 0.00 + 0.00 + 0.00 + 0.00 + 0.00
├── qualify_monthly_qualifying_income_total_monthly_qualifying_income > 0.0_val = 0 0.00
├── qualify_monthly_qualifying_income_default_val = 0 0.0
└── monthly_qualifying_income = 0 0.00 > 0.0 ? 0.00 : (0.0)
... qualify.spec.evaluated #12084 18:58:45 #97e96644
├── Spec Name: fha_income_trend_analysis
├── Monthly Income: 0
├── Outcome: null
├── Product: fha
├── Key Derivations:
│ └── is_stable = true
└── Calculation Steps:
├── total_y1 = 0 0.00
├── total_y2 = 0 0.00
├── total_monthly = 0 0.00
├── yoy_change_pct = 0 0.00 != 0.0 ? ((0.00 - 0.00) / 0.00) * 100.0 : 0.0
├── two_year_avg_monthly = 0 (0.00 + 0.00) / 24.0
├── lower_year_monthly = 0 min(0.00, 0.00) / 12.0
├── has_ytd_data = false 0.00 > 0.0
├── ytd_monthly_avg = 0 0.00 > 0.0 ? 0.00 / 0.00 : 0.0
├── is_increasing = false 0.00 > 0.0
├── is_stable = true 0.00 >= 0.0
└── is_declining = false 0.00 < 0.0
... qualify.spec.evaluated #12085 18:58:45 #c9066abe
├── Spec Name: va_employment_wages_income
├── Monthly Income: 0
├── Outcome: null
├── Product: va
├── Key Derivations: {}
├── Proof Trace:
│ └── qualify_monthly_qualifying_income_not_both_positive ()
└── Calculation Steps:
├── --- Unknown Employer #1 (unknown_1) --- = null
├── total_y1 = 0 0.00 + 0.00 + 0.00
├── total_y2 = 0 0.00 + 0.00 + 0.00
├── yoy_change = 0 0.00 != 0.0 ? (0.00 - 0.00) / 0.00 : 0.0
├── two_year_avg = 0 (0.00 + 0.00) / 2.0
├── lower_year = 0 min(0.00, 0.00)
├── both_positive = false 0.00 > 0.0 && 0.00 > 0.0
├── is_declining = false 0.00 < 0.00
├── qualify_monthly_qualifying_income_not_both_positive_val = 0 0.0
├── qualify_monthly_qualifying_income_is_declining_val = 0 0.00 / 12.0
├── qualify_monthly_qualifying_income_default_val = 0 0.00 / 12.0
└── monthly_qualifying_income = 0 !0.00 ? 0.0 : (0.00 ? 0.00 / 12.0 : (0.00 / 12.0))
... qualify.spec.evaluated #12086 18:58:45 #4c3bf661
├── Spec Name: va_total_income
├── Monthly Income: 0
├── Outcome: null
├── Product: va
├── Key Derivations: {}
├── Proof Trace:
│ └── qualify_monthly_qualifying_income_total_monthly_qualifying_income > 0.0 ()
├── Matching Rules: t^{,total_monthly_qualifying_income > 0.0}_{∅}
└── Calculation Steps:
├── subtotal_employment = 0 0.00 + 0.00
├── subtotal_passive = 0 0.00 + 0.00
├── subtotal_self_employment = 0 0.00 + 0.00 + 0.00
├── subtotal_business = 0 0.00 + 0.00 + 0.00
├── subtotal_other = 0 0.00
├── total_monthly_qualifying_income = 0 0.00 + 0.00 + 0.00 + 0.00 + 0.00
├── qualify_monthly_qualifying_income_total_monthly_qualifying_income > 0.0_val = 0 0.00
├── qualify_monthly_qualifying_income_default_val = 0 0.0
└── monthly_qualifying_income = 0 0.00 > 0.0 ? 0.00 : (0.0)
... qualify.spec.evaluated #12087 18:58:45 #9cb677d7
├── Spec Name: va_military_income
├── Monthly Income: 0
├── Outcome: null
├── Product: va
├── Key Derivations:
│ └── method = current_year
└── Calculation Steps:
├── --- Unknown Borrower #1 (unknown_1) --- = null
├── bah_grossed_y1 = 0 0.00 * 1.25
├── bah_grossed_y2 = 0 0.00 * 1.25
├── bas_grossed_y1 = 0 0.00 * 1.25
├── bas_grossed_y2 = 0 0.00 * 1.25
├── cola_grossed_y1 = 0 0.00 * 1.25
├── cola_grossed_y2 = 0 0.00 * 1.25
├── clothing_grossed_y1 = 0 0.00 * 1.25
├── clothing_grossed_y2 = 0 0.00 * 1.25
├── bonus_monthly_y1 = 0 0.00 > 0 ? 0.00 / 0.00 : 0
├── bonus_monthly_y2 = 0 0.00 > 0 ? 0.00 / 0.00 : 0
├── grossed_up_amount_y1 = 0 0.00 + 0.00 + 0.00 + 0.00 - 0.00 - 0.00 - 0.00 - 0.00
├── grossed_up_amount_y2 = 0 0.00 + 0.00 + 0.00 + 0.00 - 0.00 - 0.00 - 0.00 - 0.00
├── total_income_dti_y1 = 0 0.00 + 0.00 + 0.00 + 0.00 + 0.00 + 0.00 + 0.00
├── total_income_dti_y2 = 0 0.00 + 0.00 + 0.00 + 0.00 + 0.00 + 0.00 + 0.00
├── total_income_residual_y1 = 0 0.00 + 0.00 + 0.00 + 0.00 + 0.00 + 0.00 + 0.00
├── total_income_residual_y2 = 0 0.00 + 0.00 + 0.00 + 0.00 + 0.00 + 0.00 + 0.00
├── monthly_dti_y1 = 0 0.00 / 12.0
├── monthly_dti_y2 = 0 0.00 / 12.0
├── yoy_change = 0 0.00 != 0.0 ? (0.00 - 0.00) / abs(0.00) : 0
├── both_positive = false 0.00 > 0.0 and 0.00 > 0.0
├── is_declining = false 0.00 < 0.0
├── two_year_avg = 0 (0.00 + 0.00) / 24.0
├── lower_year = 0 min(0.00, 0.00) / 12.0
├── monthly_qualifying_income = 0 not 0.00 ? 0.00 :
│ 0.00 ? 0.00 :
│ 0.00
│
└── method = current_year not 0.00 ? "current_year" :
0.00 ? "0.00" :
"two_year_average"
... qualify.spec.evaluated #12088 18:58:45 #327e1a1e
├── Spec Name: va_disability_income
├── Monthly Income: 0
├── Outcome: null
├── Product: va
├── Key Derivations:
│ └── method = current_year
├── Proof Trace:
│ └── va_disability_not_permanent (VA Pamphlet 26-7, Ch. 4, Topic 7)
└── Calculation Steps:
├── --- Unknown Borrower #1 (unknown_1) --- = null
├── annual_actual_y1 = 0 0.00 * 12.0
├── annual_actual_y2 = 0 0.00 * 12.0
├── annual_grossed_y1 = 0 0.00 * 1.25
├── annual_grossed_y2 = 0 0.00 * 1.25
├── gross_up_amount_y1 = 0 0.00 - 0.00
├── gross_up_amount_y2 = 0 0.00 - 0.00
├── monthly_y1 = 0 0.00 / 12.0
├── monthly_y2 = 0 0.00 / 12.0
├── yoy_change = 0 0.00 != 0.0 ? (0.00 - 0.00) / abs(0.00) : 0
├── both_positive = false 0.00 > 0.0 and 0.00 > 0.0
├── is_declining = false 0.00 < 0.0
├── two_year_avg = 0 (0.00 + 0.00) / 24.0
├── lower_year = 0 min(0.00, 0.00) / 12.0
├── monthly_qualifying_income = 0 not 0.00 ? 0.00 :
│ 0.00 ? 0.00 :
│ 0.00
│
└── method = current_year not 0.00 ? "current_year" :
0.00 ? "0.00" :
"two_year_average"
... qualify.spec.evaluated #12089 18:58:45 #8a91211c
├── Spec Name: va_compensating_factors
├── Monthly Income: 0
├── Outcome: null
├── Product: va
├── Key Derivations:
│ ├── low_dti = true
│ ├── raw_count = 1.50
│ ├── debt_points = 0.50
│ ├── low_dti_points = 1
│ ├── payment_shock_ratio = 1.10
│ ├── minimal_debt_increase = true
│ ├── approval_recommendation = approve
│ └── sufficient_compensating_factors = true
└── Calculation Steps:
├── excellent_credit_plus = false 0.00 >= 740
├── excellent_credit = false 0.00 >= 720 and 0.00 < 740
├── good_credit = false 0.00 >= 680 and 0.00 < 720
├── minimal_debt_increase = true 0.00 <= 150.0
├── months_of_reserves = 0 0.00 > 0 ? 0.00 / 0.00 : 0
├── substantial_reserves = false 0.00 >= 3.0
├── payment_shock_ratio = 1.10 0.00 > 0 ? (0.00 - 0.00) / 0.00 : 1.1
├── minimal_housing_increase = false 0.00 > 0 and 1.10 <= 0.10
├── stable_employment = false 0.00 >= 2.0
├── military_benefits_factor = false 0.00 and 0.00
├── low_dti = true 0.00 <= 36.0
├── residual_ratio = 0 0.00 > 0 ? (0.00 / 0.00) : 0
├── residual_strong = false 0.00 >= 1.25
├── residual_met_buffer = false 0.00 >= 1.20 and 0.00 < 1.25
├── credit_points = 0 0.00 ? 1.5 : (0.00 ? 1.0 : (0.00 ? 0.5 : 0))
├── reserve_points = 0 0.00 ? 1.0 : 0
├── employment_points = 0 0.00 ? 1.0 : 0
├── debt_points = 0.50 1.00 ? 0.5 : 0
├── housing_points = 0 0.00 ? 0.5 : 0
├── military_points = 0 0.00 ? 0.5 : 0
├── low_dti_points = 1 1.00 ? 1.0 : 0
├── residual_points = 0 0.00 ? 1.0 : (0.00 ? 0.5 : 0)
├── raw_count = 1.50 0.00 + 0.00 + 0.00 + 0.50 + 0.00 + 0.00 + 1.00 + 0.00
├── compensating_factor_count = 0 0.00 <= 41.0 ? 0.0 : 1.50
├── dti_exceeds_41 = false 0.00 > 41.0
├── dti_exceeds_45 = false 0.00 > 45.0
├── sufficient_compensating_factors = true not 0.00 ? true :
│ 0.00 ? 0.00 >= 3.0 :
│ 0.00 >= 2.0
│
└── approval_recommendation = approve not 0.00 ? "approve" :
1.00 ? "approve_with_factors" :
0.00 >= 1.20 ? "approve_with_residual" :
"refer_to_supervisor"
... qualify.spec.evaluated #12090 18:58:45 #caf34850
├── Spec Name: va_other_income
├── Monthly Income: 0
├── Outcome: null
├── Product: va
├── Key Derivations:
│ └── method = current_year_only
└── Calculation Steps:
├── --- Unknown Borrower #1 (unknown_1) --- = null
├── ss_grossed_y1 = 0 0.00 * 1.25
├── ss_grossed_y2 = 0 0.00 * 1.25
├── ss_taxable_y1 = 0 0.00
├── ss_taxable_y2 = 0 0.00
├── ss_total_y1 = 0 0.00 + 0.00
├── ss_total_y2 = 0 0.00 + 0.00
├── gross_up_amount_y1 = 0 0.00 - 0.00
├── gross_up_amount_y2 = 0 0.00 - 0.00
├── pension_y1 = 0 0.00
├── pension_y2 = 0 0.00
├── alimony_qualifies = false 0.00 >= 36
├── alimony_y1 = 0 0.00 ? 0.00 : 0
├── alimony_y2 = 0 0.00 ? 0.00 : 0
├── child_support_qualifies = false 0.00 >= 36
├── child_support_y1 = 0 0.00 ? 0.00 : 0
├── child_support_y2 = 0 0.00 ? 0.00 : 0
├── notes_qualifies = false 0.00 >= 36
├── notes_y1 = 0 0.00 ? 0.00 : 0
├── notes_y2 = 0 0.00 ? 0.00 : 0
├── total_other_income_y1 = 0 0.00 + 0.00 + 0.00 + 0.00 + 0.00
├── total_other_income_y2 = 0 0.00 + 0.00 + 0.00 + 0.00 + 0.00
├── yoy_change = 0 0.00 != 0.0 ? (0.00 - 0.00) / abs(0.00) : 0
├── two_year_total = 0 0.00 + 0.00
├── two_year_avg = 0 0.00 / 24.0
├── lower_year = 0 min(0.00, 0.00) / 12.0
├── both_positive = false 0.00 > 0.0 and 0.00 > 0.0
├── is_declining = false 0.00 < 0.0
├── monthly_qualifying_income = 0 not 0.00 ? (0.00 > 0.0 ? 0.00 / 12.0 : 0) :
│ 0.00 ? 0.00 :
│ 0.00
│
└── method = current_year_only not 0.00 ? "current_year_only" :
0.00 ? "0.00" :
"two_year_average"
... qualify.spec.evaluated #12091 18:58:45 #1bfa8643
├── Spec Name: va_residual_income
├── Monthly Income: 0
├── Outcome: null
├── Product: va
├── Key Derivations:
│ ├── v_dep_amt = 75
│ ├── const_five = 5
│ ├── raw_minimum = 382
│ ├── base_min_80k = 441
│ ├── base_minimum = 382
│ ├── loan_amount_tier = under_80k
│ ├── residual_surplus = -382
│ ├── base_min_under_80k = 382
│ ├── effective_family_size = 1
│ └── minimum_residual_required = 382
├── Proof Trace:
│ └── residual_shortfall ()
├── Matching Rules: t^{}_{residual_met}
└── Calculation Steps:
├── maintenance_utilities = 0 0.00 * 0.14
├── total_taxes = 0 0.00 + 0.00 + 0.00 + 0.00
├── total_obligations = 0 0.00 + 0.00 + 0.00 + 0.00 + 0.00
├── residual_income = 0 0.00 - 0.00 - 0.00
├── loan_amount_tier = under_80k 0.00 >= 80000 ? '80k_plus' : 'under_80k'
├── effective_family_size = 1 1.00 > 5 ? 5 : 1.00
├── is_northeast = false south == 'northeast' or south == 'Northeast'
├── is_west = false south == 'west' or south == 'West'
├── base_min_80k = 441 0.00 ? (1.00 == 1 ? 450 : 1.00 == 2 ? 755 : 1.00 == 3 ? 909 : 1.00 == 4 ? 1025 : 1062) : 0.00 ? (1.00 == 1 ? 491 : 1.00 == 2 ? 823 : 1.00 == 3 ? 990 : 1.00 == 4 ? 1117 : 1158) : (1.00 == 1 ? 441
│ : 1.00 == 2 ? 738 : 1.00 == 3 ? 889 : 1.00 == 4 ? 1003 : 1039)
├── base_min_under_80k = 382 0.00 ? (1.00 == 1 ? 390 : 1.00 == 2 ? 654 : 1.00 == 3 ? 788 : 1.00 == 4 ? 888 : 921) : 0.00 ? (1.00 == 1 ? 425 : 1.00 == 2 ? 713 : 1.00 == 3 ? 859 : 1.00 == 4 ? 967 : 1004) : (1.00 == 1 ?
│ 382 : 1.00 == 2 ? 641 : 1.00 == 3 ? 772 : 1.00 == 4 ? 868 : 902)
├── base_minimum = 382 under_80k == '80k_plus' ? $441 : $382
├── const_five = 5 5
├── v_add_members = 0 1.00 > 5 ? 1.00 - 5.00 : 0
├── v_dep_amt = 75 0.00 >= 80000 ? 80 : 75
├── v_additional_family_amount = 0 0.00 * 75.00
├── raw_minimum = 382 $382 + 0.00
├── minimum_residual_required = 382 0.00 ? $382 * 0.95 : $382
├── residual_surplus = -382 0.00 - $382
├── residual_met = false 0.00 >= $382
└── residual_ratio = 0 $382 > 0 ? 0.00 / $382 : 0
... qualify.spec.evaluated #12092 18:58:45 #224b59ca
├── Spec Name: va_income_trend_analysis
├── Monthly Income: 0
├── Outcome: two_year_average
├── Product: va
├── Key Derivations:
│ ├── is_stable = true
│ ├── overall_trend = stable
│ └── recommended_method = two_year_average
├── Proof Trace:
│ ├── income_stable (VA Pamphlet 26-7, Ch. 4)
│ └── no_prior_year (VA Pamphlet 26-7, Ch. 4)
├── Matching Rules: t^{is_stable,two_year_average}_{∅}, t^{total_income_y2 <= 0.0}_{∅}
└── Calculation Steps:
├── overall_yoy_change = 0 0.00 != 0.0 ? (0.00 - 0.00) / abs(0.00) : 0
├── emp_yoy_change = 0 0.00 != 0.0 ? (0.00 - 0.00) / abs(0.00) : 0
├── se_yoy_change = 0 0.00 != 0.0 ? (0.00 - 0.00) / abs(0.00) : 0
├── other_yoy_change = 0 0.00 != 0.0 ? (0.00 - 0.00) / abs(0.00) : 0
├── is_increasing = false 0.00 > 0.05
├── is_stable = true 0.00 >= -0.05 and 0.00 <= 0.05
├── is_declining = false 0.00 < 0.0
├── overall_trend = stable 0.00 ? "increasing" :
│ 1.00 ? "stable" :
│ "declining"
│
└── recommended_method = two_year_average 0.00 ? "0.00" :
"two_year_average"
... qualify.completed #12093 18:58:45 #53ba9cc6
└── Products: {'product': 'fannie_mae', 'specs_run': 3, 'total_monthly': 0.0}, {'product': 'freddie_mac', 'specs_run': 3, 'total_monthly': 0.0}, {'product': 'fha', 'specs_run': 3, 'total_monthly': 0.0}, {'product': 'va',
'specs_run': 8, 'total_monthly': 0.0}
╭───────────────────────────────────────────────────────────────────────────────────────────────────── Related Entities ──────────────────────────────────────────────────────────────────────────────────────────────────────╮
│ Identities │
│ 060f7284 HORIZONS OF TUSC/CARROLL COUNTIES taxpayer │
│ │
│ Mentions │
│ 39f5471e HORIZONS OF TUSC/CARROLL COUNTIES taxpayer │
│ │
╰─────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────────╯
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