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You’ll also hear it called a CPA income verification letter. Other names include a CPA proof of income letter. Some call it a CPA income confirmation letter.
At Cortex CPA, Scott Harrison, CPA, prepares these letters directly. He confirms your actual income from your real records and formats each letter to match your specific recipient. Scott has issued over 1,000 CPA letters since 2021 — many for general income verification requests.
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A pay stub shows one recent payment. It doesn't show your full income pattern. Some recipients need more context than a single stub provides — your income might come from multiple sources, or you might work as a freelancer or contractor.
A pay stub only shows what your employer reports. A CPA letter adds an independent professional's review on top of that — a licensed professional confirming your income, so your recipient gets the same core assurance every time.
Most general proof-of-income requests use annual figures. Lenders and many agencies prefer this broader view — a single strong or weak month doesn't distort an annual figure, which makes it the more stable number for most reviews.
Landlords often care about monthly income to check rent affordability — a common standard requires income at least 3 times your rent. Freelancers with uneven income especially benefit from a monthly breakdown.
Want confirmed proof before approving your rental application. A ready CPA letter can put your application ahead of others still gathering documents.
Government benefit programs, financial institutions, or legal proceedings — each have slightly different documentation needs. Tell us your recipient, and we'll confirm the right format.
| Document | What It Proves | Limitation |
|---|---|---|
| CPA Letter | Reviewed, confirmed income from a licensed professional | Reflects a specific point in time |
| Pay Stubs | One recent payment amount | Doesn't show your full income pattern |
| Bank Statements | Deposits into your account | Doesn't confirm the source of income |
| Employer Letter | Employment status and salary | Doesn't apply if you're self-employed |
A CPA letter fills the gap these documents leave open. It combines a professional review with a signed, accountable statement — your recipient gets one clear document instead of several partial ones.
Your tax returns don't always show your full earning picture. A CPA letter confirms your real income directly. This page covers the general verification request — a landlord or agency usually wants a simpler confirmation.
Mortgage requests involve specific underwriting rules — loan types, debt-to-income calculations, and approval timelines all matter. A mortgage request needs deeper, lender-specific detail.
A signed CPA license number and state, checked before anything else is read.
A clear dollar amount — vague language like "sufficient income" won't satisfy most requesters.
The letter states who requested it and why — a generic letter often gets questioned.
Most recipients expect it within 60–90 days. Older letters may not satisfy some requesters.
See the full Notarized CPA Letter guide
Official letterhead with your CPA’s name and firm
Confirmed income, stated as annual or monthly figures
We don’t publish a generic template as a stand-in for a real letter — a landlord’s request looks different from an agency’s, and your actual documents shape the final letter. It reflects your CPA’s review at one point in time and doesn’t guarantee approval; your recipient still makes their own final decision.
We need to know your recipient and why they need it — this determines whether your letter needs annual or monthly figures.
Usually recent tax returns or pay stubs. Self-employed applicants should also send profit and loss statements.
He checks your actual income against what you're claiming, then drafts your letter based on that review.
Landlords, agencies, and other requesters each expect a specific format. We match it, so your letter clears review the first time.
It arrives as a digital PDF. We add notarization if your situation requires it.
Some requesters ask a follow-up question after reviewing your letter. We turn most revisions around the same day.
A landlord or agency sometimes comes back with a follow-up question. This usually means they need one figure clarified, not a bigger problem. Send us the specific question as soon as you get it.
Both of our packages include unlimited revisions until your recipient approves your letter. Most revisions turn around the same day.
It’s a signed document from a licensed CPA. It confirms your income for a landlord, agency, or other recipient.
