Architect & engineer mortgage from a lender who reads PE/PA firm principal K-1 partnership distribution, AECOM / Jacobs / Stantec publicly listed W-2 + RSU, licensed PE / RA staff W-2 + bonus, solo Schedule C with E&O professional liability deductions, and favorable non-SSTB QBI treatment under IRC 199A as one income picture.

"Senior Structural Engineer at a top-tier engineering firm for 4 years after Project Engineer tier. Florida PE license active with substantial hurricane-code specialty practice serving Miami-Dade HVHZ projects and high-rise structural design across Broward County. W-2 base salary $195K + annual performance bonus $28K (14% of base, multi-year continuity tied to project profitability metrics) + occasional project-completion bonus $15K. Total W-2 averaging $228K over the 2-year period. Plus the firm provides substantial benefits. The first lender pulled my W-2 and applied 24-month average treatment but classified the performance bonus as ‘discretionary variable’ despite multi-year continuity at the senior structural engineer tier, refused the project-completion bonus as ‘non-recurring,’ and offered me $785K based on lower base salary alone. Jim’s team documented the senior structural engineer tier with HR letter showing the 4-year continuous tier and multi-year bonus pattern continuity tied to billable project hours and project profitability, the active Florida PE license through FBPE Board of Professional Engineers, the multi-year HVHZ specialty practice, and the project-completion bonus pattern as continuing variable income. $1.05M close Conventional Jumbo on a Plantation home in 37 days."

"Principal at a PE firm (Professional Engineer firm entity) for 7 years after Senior Engineer and Associate tiers and successful principal admission. Specialty practice in marine and coastal engineering serving Florida coastal infrastructure clients with sea-level-rise adaptation engineering and hurricane wind-load design across multiple Florida coastal municipalities. K-1 partnership distribution averaging $785K over the 2-year period from Form 1065 partnership return covering both the base partnership allocation (firm uses tenure-weighted base share methodology) and the profit-sharing allocation tied to firm profitability and the principal’s personal book-of-business contribution from the coastal specialty practice. Capital account at the firm approximately $325K from initial principal capital contribution. Plus active Florida PE license through FBPE with the marine engineering specialty designation. The first lender saw the principal K-1 partnership distribution and called the profit-sharing allocation ‘variable performance-based not stable,’ refused to apply Form 1084 cash-flow addbacks at the partnership level, and offered me $1.25M Jumbo. Jim’s team documented the partnership agreement with the tenure-weighted base share and profit-sharing allocation framework, the 7-year continuous principal status, the partnership-level Schedule L for Form 1084 cash-flow addback analysis recovering depreciation and amortization at the firm level, the capital account history, and the marine specialty practice continuity. Plus critically — the favorable non-SSTB QBI treatment under IRC 199A for engineering services, supporting the principal’s after-tax income narrative. $1.85M close Conventional Jumbo on a Coral Springs home in 43 days."

"Senior Managing Director at Stantec (TSX: STN, publicly listed) for 5 years in transportation infrastructure practice after Managing Director and Principal tiers at the firm. Florida PE license active with substantial federal and state DOT (Department of Transportation) project experience across the Southeast region. Annual W-2 averaging $665K combining $445K base salary + $135K cash bonus + $85K RSU vesting from prior LTIP grants vesting in current year. Plus continuing LTIP grant vesting schedule showing $245K of additional unvested RSU scheduled to vest over the next 3 years from ongoing annual grant cycles. The first lender pulled my W-2 + LTIP grant documentation and offered $1.15M Jumbo based on W-2 + cash bonus only, refused to apply RSU vesting from continuing LTIP grants as ‘speculative future stock,’ despite the multi-year continuity of LTIP grant cycle and the publicly listed Stantec stock with continuing market value. Jim’s team documented the LTIP grant cycle with 3-year continuing vesting schedule under B3-3.1-09, the Stantec publicly listed equity with continuing market value, the 5-year W-2 + RSU history at Managing Director tier and Senior Managing Director tier showing the multi-source comp pattern continuity, and the brokerage statements showing prior RSU vest receipts. $1.75M close Conventional Jumbo on a Bay Colony home in 41 days."