Letter with Financial Statement

[Lizina Green]

I gotta question: Should I a write a letter to accompany my financial statement.

Why do I ask? I have negative net worth due to my current home and my student's loans which high due to my profession. I have high annual salary which would support the purchase and carry the cost of the property even if remained vacant (the goal is to flip). Should I include a letter explaining these issues?

Thanks for you input