Crossword Genius

According to terms of your mortgage agreement you factor in small profits (7)

Ross

I believe the answer is:

returns

I'm a little stuck... Click here to teach me more about this clue!

'small profits' is the definition.
'returns' can be an answer for 'profits' (I've seen this before). I am unsure of the 'small' bit.

'according to terms of your mortgage agreement you factor' is the wordplay.
'according' becomes 'ns' (I can't justify this - if you can you should believe this answer much more).
'to' means one lot of letters go next to another (I've seen this in other clues).
'terms of' indicates one should take the final letters (term can mean the end of something).
The final letters of 'your mortgage agreement you factor' are 'retur'.
'ns' put after 'retur' is 'RETURNS'.

'in' acts as a link.

Can you help me to learn more?

(Other definitions for returns that I've seen before include "Profits" , "Brings or comes back" , "Goes or comes back" , "Tickets possibly available" , "Goods sent back" .)

I've seen this clue in The Independent.
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