disallowedSpeculative
Unreported cash revenue
Income the owner claims to have received but did not report on the return.
Rule
Never added back. Lenders underwrite to the filed return, and the claim itself raises a character concern.
Worked example
As reported
Owner claims $80,000 unreported
In the memo
Excluded; noted as not considered
The objection you will hear
Rejected and may end the lender relationship.
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