Loan modifications under HAMP can be strategically difficult.  Under some circumstances, the law does not clearly define the income that a homeowner must disclose.  For example, should a single mother disclose child support payments as income in a HAMP application?  At what point using the NPV test will a failure to disclose child support income result in the loan modification being denied because the borrower's income is too low?  At what point will disclosing the income result in the borrower's monthly payment being $300 a month higher for the next 40 year