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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.

View pricing

How It Works

1

Free review

We look at where your books actually stand — no obligation, no charge.

2

Scope and quote

You get a fixed price or a package recommendation before any work starts.

3

We do the work

Inside your accounting file, so you can see everything as it happens.

4

Ongoing close

Books stay current month to month, ready for your CPA at tax time.

Lender Schedules: PFS, REO & Debt Schedules — Frequently Asked Questions

Do you appraise properties or set values?

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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.

Related

Talk through lender schedules: pfs, reo & debt schedules

The consultation is free, and you will leave it knowing what the work involves and what it costs.

  • Done-for-you
  • Solo or group
  • Nationwide

Get Started

The fastest way is to call. If you prefer, you can book online below.

(310) 800-4494
or

Book Online

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