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Business & farm
A SCH A is only required **IF** the total of your itemized deductions exceeds your standard deduction. A SCH A is not, and will not be produced otherwise, as there is no need for it. However, you can "FORCE' the program to use the SCH A if you desire. However, that means if your itemized deductions are less than your standard deduction, then your tax liability to the IRS *WILL* *BE* *HIGHER*.
If a prospective lender is asking for your SCH A, and they refuse to believe this, then by all means refer them to IRS Tax Topic 501 at https://www.irs.gov/taxtopics/tc501
Then refer them to line 9 of your 1040 tax return. If the amount entered on that line is "*EQUAL TO* your standard deduction, then you did not itemize and were not required to. If the amount on line 9 is *GREATER* than your standard deduction, then you *DID* itemize and a SCH A was automatically included in your filed tax return.
There are some situations where a tax filer MUST itemize regardless of the amount of their standard deduction. It's most common if a married person is filing a separate return and their spouse has already itemized deductions.