(I assume you mean that these “certain strategies” are designed to maximize your AFTER-tax cash flow as opposed to your PRE-tax stated income. Just making sure.)

Yup, I’ve had the same “problems.” But, frankly, I view this as a good thing. It means the lenders are paying much closer attention. So, it didn’t really bother me. Underwriting standards are going “Back to the 90s.” As they should be.

I have some extensive diagrams and spreadsheets that explain pretty clearly how everything fits together and after I did it the first time it just required updating. You might want to consider doing something similar in order to save yourself the grief next time around.