What are your thoughts on showing t-bill revenue as a form of recurring cash flow on a borrower PFS? Sketchy, or fair game if it is identified as such?
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For CRE lenders, showing T-bill revenue as a form of recurring cash flow on a borrower's personal financial statement (PFS) can be considered fair game, provided it is clearly identified and properly labeled. Transparency is key here. If the T-bill income is explicitly noted as a separate line item and not misrepresented as operational cash flow, it can be a legitimate inclusion. However, lenders may scrutinize it more closely since T-bill income is not tied to the core operations of a business or property and may not be as reliable or sustainable in the long term compared to other recurring cash flows.
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Fair game as long as he/she has documentation to prove they are receiving this income.
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