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I went through almost the exact same thing last year! Filed my taxes last minute and completely spaced on reporting my Uber Eats income. The panic is real, but you're going to be okay. Here's what I learned: file that amended return (1040-X) ASAP, but take time to do it right. Don't rush like you did with the original return. Since you made significantly more from delivery than your W-2 job, you'll definitely want to maximize your business deductions. Start gathering receipts and records now - phone bills, car maintenance, any gear you bought for deliveries, etc. Even if you didn't track mileage perfectly, try to reconstruct what you can from your delivery app history. I was able to piece together about 70% of my actual miles driven just from looking at my completed delivery records. The penalties and interest aren't fun, but they're manageable, especially if you can set up a payment plan. The IRS was actually pretty reasonable when I called them directly about my situation. Way better to fix it yourself than wait for them to catch it!
Thanks for sharing your experience! It's really reassuring to hear from someone who went through the same thing. Quick question - when you called the IRS directly, did you get through easily or did you have to wait forever? I've been dreading having to call them but it sounds like it might actually be worth it to get their guidance on my specific situation. Also, did you end up owing a lot even after maximizing your deductions? I'm trying to mentally prepare myself for what this is going to cost me.
Hey, I know this is super stressful but you're taking the right steps by addressing it now! I went through something similar with my Instacart income a couple years back. One thing that really helped me was organizing everything before filing the amendment. Create a simple spreadsheet with all your delivery dates, estimated miles, and any expenses you can remember. Even rough estimates are better than nothing - just be conservative and reasonable. Also, don't forget about potential deductions beyond mileage. If you bought any insulated bags, phone mounts, or even had to replace worn tires more frequently because of all the driving, those can be business expenses. I was surprised how much stuff I could legitimately deduct. The IRS really does appreciate when taxpayers proactively fix their own mistakes. Yes, there will be penalties and interest, but it's way better than them finding it first. And honestly, with all the legitimate business deductions you can claim as a delivery driver, the final amount you owe might not be as scary as you think right now. You've got this! Just take it step by step and don't rush through the amendment like you did with the original return.
This is such helpful advice! I really appreciate everyone sharing their experiences - it's making me feel so much less alone in this mess. I'm definitely going to create that spreadsheet you mentioned and try to reconstruct as much as I can from my delivery app history. One thing I'm realizing is that I probably threw away a lot of receipts throughout the year not knowing I should have kept them. Do you think it's worth trying to get copies of things like oil change receipts or car maintenance records from the shops I went to? Or should I just focus on what I can easily document and move forward? Also, did you end up using any tax software for the amended return or did you do it by hand? I'm wondering if the software can handle the complexity of adding all this gig work income and deductions properly.
Quick question for anyone who knows - does this mileage depreciation add-back work for other self-employed deductions too? I'm self-employed and take a home office deduction and some equipment depreciation. Would mortgage lenders add those back too?
Yes, mortgage lenders typically add back most forms of depreciation when calculating qualifying income for self-employed borrowers. This includes vehicle depreciation (either through the standard mileage rate or actual expenses method), equipment/machinery depreciation, and sometimes even a portion of home office deductions. The concept is that depreciation is a "paper expense" that reduces your taxable income but doesn't actually reduce your cash flow in the current year. Lenders are trying to determine your actual ability to make monthly payments, so they focus on cash flow rather than taxable income. That's why most loan guidelines allow underwriters to add these expenses back.
This is a really important topic that I think a lot of self-employed people struggle with. I've been through the mortgage process twice as a freelancer, and I want to emphasize something that some of the other commenters have touched on but bears repeating: there's a huge difference between legitimate business expenses and manufactured deductions. The math your mortgage officer explained is correct - lenders do add back depreciation components because they're non-cash expenses. But the key word here is "legitimate." If you're claiming mileage for trips you actually took for business purposes, that's fine. If you're making up miles or claiming personal trips as business trips just to qualify for a mortgage, that's fraud. I'd strongly recommend getting your actual business mileage properly documented and organized rather than trying to game the system. Keep detailed logs of business trips, save receipts, and make sure everything you claim is defensible if you're ever audited. The mortgage approval isn't worth the risk of IRS problems down the road. Also, consider working with a mortgage broker who specializes in self-employed borrowers - they understand these income calculations better than general loan officers and can help you present your financial picture accurately without cutting corners.
This is really helpful advice, especially about working with a mortgage broker who specializes in self-employed borrowers. I'm just starting out as a freelancer and haven't bought a house yet, but I'm already worried about how my irregular income and business deductions will look to lenders. Do you have any recommendations for how to prepare for the mortgage process early on? Like, should I be keeping different records than what I normally would for just tax purposes? And how far in advance should I start working with a specialized broker - is it something you do months before you're ready to buy, or just when you find a house you want? I feel like there's so much conflicting advice out there about self-employment and mortgages, and stories like the original post make me nervous about making mistakes.
Here's what you need to know about the 'No Return Filed' status: This can happen for several reasons: 1) Processing delays at IRS 2) System not updated yet 3) Return rejected but notification failed 4) Identity verification needed Best solution right now is to use taxr.ai to scan your transcript. It'll tell you exactly what's happening and next steps. The tool checks for all these issues automatically and gives you specific guidance. Way better than trying to guess or waiting on hold with IRS for hours. If you can't do that, call IRS early morning right when they open. Tuesdays-Thursdays usually have shortest wait times.
Ugh this is so frustrating! I had the exact same issue last year - filed early, got acceptance confirmation, but transcript showed "No Return Filed" for MONTHS. Turns out my return got flagged for some random review and was just sitting there while I was going crazy thinking it disappeared into the void. The IRS really needs to fix their communication - like why can't they just tell us "hey your return is in review" instead of making it look like we never filed?? Definitely try that taxr.ai thing everyone's mentioning - wish I had known about it back then instead of calling the IRS 50 times and getting different answers each time š¤
omg yes!! the communication from IRS is absolutely terrible. like how hard would it be to just say "your return is being reviewed" instead of "no return filed"?? drives me insane š definitely gonna check out taxr.ai before i waste more time on hold with them
Same exact situation here! Had a 2/26 DD date and was starting to panic when nothing showed up. Called my bank multiple times and they kept saying no pending deposits. Finally got through to the IRS using one of those callback services (totally worth it) and found out there was a minor processing delay on their end that wasn't showing on my transcript. The agent said it's actually pretty common right now due to system updates and high volume. My refund finally hit yesterday - exactly 6 days after the original date. Don't lose hope, it's probably just delayed in the system somewhere!
That's such a relief to hear! I'm in the exact same boat with a 2/26 date and nothing yet. Which callback service did you use? I've been seeing a few mentioned in this thread but not sure which ones are legit. Six days isn't too bad considering all the horror stories I've been reading about people waiting months!
I'm in a similar situation! Had a 2/26 deposit date on my transcript and was getting really anxious when nothing showed up for days. My bank kept telling me they didn't see anything pending either. But I just checked this morning and it finally arrived! Took 5 business days after the listed date. From what I've learned lurking in these threads, the IRS deposit dates are more like "target dates" than guarantees. Banks can take 1-5 business days to actually process and post the deposit even after the IRS sends it. Since you have an 846 code with the date, that means the IRS has definitely approved and sent your refund - it's just working its way through the banking system. I know it's nerve-wracking when you're counting on that money, but try to give it until early next week before really panicking. The system is super backed up this year and delays seem to be pretty normal unfortunately.
Josef Tearle
Your return is probably fine. The IRS systems have been acting up since they started the filing season. Between path act and all the new tax laws, everything's moving slower than usual. Keep checking your transcript once a day (not more or you'll get locked out again
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Camila Jordan
I had the exact same thing happen to me last week! Filed 1/30, accepted same day, then suddenly WMR went blank and transcript showed verification of non-filing. I was freaking out thinking my return disappeared. But then yesterday my transcript updated with processing codes and now shows a DDD of 2/26. So Hailey is right - it's just the verification process. The system basically hides your info while they're reviewing it. Super stressful but seems to be normal this year.
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Zainab Ibrahim
ā¢Thank you for sharing your experience! This is exactly what I needed to hear. The "verification of non-filing" message was really throwing me off because it sounds so scary, like they're saying I never filed at all. Good to know the system just hides everything during review. Fingers crossed mine updates soon too! š¤
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