Bring the tough one.
Cal finds every cited way to make it qualify. Describe a broken, denied or over-conditioned loan and get back a ranked list of saves, each with its before and after numbers and the lenders whose guidelines permit it.
The file
Load an example
The numbers you know. Leave the rest blank.
Form 1007, or Form 1025 for 2 to 4 units
P&I, taxes, insurance, HOA
For the interest-only lever
Already haircut
Bank statement inputs, if it is that kind of file
Optional. Cal reads it, pulls out every unmet condition and maps each to a way to clear it. The file stays in memory and is never stored.
Your ranked saves land here.
Fill in what you know, attach a suspense notice if you have one, and run it.
Each save is one structural change, its before and after math, and the lenders that permit it, cited.