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Bookkeeping Services
Lender Schedules: PFS, REO & Debt Schedules
The schedules your lender asks for, built from books that tie.
Remote bookkeeping — monthly close, cleanup, and books ready for your CPA.
Lenders ask for a personal financial statement, a schedule of real estate owned, and a debt schedule, usually with a few days notice. Assembled from memory and scattered statements, they contain mismatches that slow or sink the application.
At a glance
Built from the books
Balances come from recorded numbers, not memory.
REO by property
Value, debt, rate, payment, and rent laid out property by property.
Debt tied to statements
Each loan balance agrees with the lender statement.
Ready before asked
Kept current so a lender request is a send, not a project.
What we handle
Prepare the personal financial statement form your lender requires from your recorded balances
Build and maintain a real estate owned (REO) schedule with value, debt, rate, payment, and rents by property
Maintain a debt schedule across loans, lines, and notes with balances, rates, maturities, and payments
Reconcile each scheduled loan balance to the lender statement and the books
Refresh the schedules on a cadence so they are ready before a lender asks
Problems this fixes
Schedules rebuilt from scratch every time a lender asks
Loan balances on a schedule that disagree with the books
Rental income and property debt that do not line up by property
What you end up with
Current PFS, REO, and debt schedules that agree with your books and are ready to send.
We keep the books. You run the business.
Categorization, reconciliation, month-end close, and clean financial statements — with nothing left for you to chase.
No. Property values come from you or an appraiser. We record them, and tie the debt, payments, and rents to the books.
Is this financial advice?
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No. We organize and present your recorded information. Decisions about borrowing belong with you and your advisors.
What is included in lender schedules: pfs, reo & debt schedules?
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Prepare the personal financial statement form your lender requires from your recorded balances; Build and maintain a real estate owned (REO) schedule with value, debt, rate, payment, and rents by property; Maintain a debt schedule across loans, lines, and notes with balances, rates, maturities, and payments; Reconcile each scheduled loan balance to the lender statement and the books; plus 1 further steps. Current PFS, REO, and debt schedules that agree with your books and are ready to send.
What problems does lender schedules: pfs, reo & debt schedules solve?
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Most often: schedules rebuilt from scratch every time a lender asks; loan balances on a schedule that disagree with the books; rental income and property debt that do not line up by property. Lenders ask for a personal financial statement, a schedule of real estate owned, and a debt schedule, usually with a few days notice. Assembled from memory and scattered statements, they contain mismatches that slow or sink the application.
How much does lender schedules: pfs, reo & debt schedules cost?
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Monthly packages start at $200 and scale with transaction volume and complexity; project work such as cleanup is quoted at a fixed price after a short no-obligation review. You know the number before any work begins — see the pricing page for current tiers, or book a free consultation for a recommendation based on your actual books.