Automated Income Calculations — Verified in Minutes
No contracts. No setup fees. Just results.
Calculate income from pay stubs, W2, tax returns, and bank statements — accurately and effortlessly.
Audit-ready, guideline-aligned, and designed for lenders, brokers, and underwriters.
Income Verification That Underwriters Trust
From first upload to underwriting-ready — in one step.
Rapidio doesn’t just calculate income. It delivers smart underwriting conditions based on the borrower’s income type and your selected guideline (FHA, Fannie Mae, Non-QM, etc.). No guesswork. No back-and-forth.
Whether it’s W-2s, tax returns, or 24-month bank statements — we extract, calculate, and generate everything you need. Automatically.
Why it matters:
Eliminate human error and manual reviews
You get clear, guideline-aligned output
You close faster with fewer conditions
Your team stays compliant — and confident
Coming soon:
- Assets
- Liabilities
- Credit
- Title
- Property
- Closing
Income calculation & eligibility assessment for Non-QM, FHA, USDA, Fannie Mae & Freddie Mac
We don’t just calculate income — we deliver confidence.
From W-2s to complex tax returns, Rapidio analyzes, verifies, and packages the full income picture so your underwriter sees exactly what they need — clear, complete, and guideline-aligned.
Income drives lending decisions — and we treat it like it matters.
Every number we deliver is backed by automated logic, smart QC, and guideline validation, empowering your team to make faster, safer credit decisions with no guesswork.
Complete income coverage for Non-QM & GSE
Common Scenarios
W2 Income:
- Base Salary
- Commissions
- Overtime
- Bonus
- Seasonal
Self Employed:
- Sole Proprietor
- Partnerships
- LLCs
- C & S Corporations
Less common scenarios
- Interest & Dividend
- Capital Gains
- Farming
- Rental Property
- Trust
- Royalty Payments
- Retirement
- Social Security Retirement
- Disability
- Foster Care
- Alimony
- Separate Maintenance
- Child Support
- Public Assistance
- Temporary Leave
- Foreign
- Tips
- Automobile Allowances
- Housing or Parsonage Allowances
- Military
- VA Benefit
- Notes Receivable
- Mortgage Credit
- Certificates / Mortgage Differential Payments Credits
Built By Underwriters, For the Entire Mortgage Team
Rapidio replaces spreadsheets, guesswork, and hours of manual review with instant, accurate income analysis for any borrower type
Rapidio isn’t just software — it’s your income desk on autopilot. Whether you’re originating, reviewing, or funding loans, we eliminate the guesswork and manual work from income analysis.
Brokers: Qualify borrowers faster and submit underwriting-ready files.
Lenders: Cut processing costs and scale operations without adding headcount.
Underwriters: Get guideline-aligned income reports with smart conditions — no more manual calculations.
All income types. All guidelines. No setup fees. Just speed, accuracy, and results you can trust.
Calculate Income Like an Underwriter — In Seconds
See Rapidio in Action
❓Frequently Asked Questions (FAQ)
What types of income can Rapidio calculate?
We support W-2 income, paystubs, self-employed income (1099s, tax returns, bank statements), Social Security, retirement, pension, and more.
Does your tool generate full income reports?
Yes. You’ll receive a downloadable PDF report that includes income breakdown by borrower and type, Smart Conditions, and supporting doc references.
What are Smart Conditions and how do they help?
Smart Conditions are automatically generated based on income type and selected guidelines. They help underwriters flag risks and reduce back-and-forth.
Can the income logic be customized to our overlays?
Yes — we can tailor the guideline rules and conditions to match your internal underwriting overlays and compliance policies.
Is the Bank Statement Calculator customizable?
Absolutely. You can select default income percentage (e.g., 50%, 65%, 80%) and override it manually if needed. Check it here.
Who uses this tool — underwriters or brokers?
Both. Brokers use it at the application stage, while underwriters rely on it for income validation and QC at pre-close and final review.
Can we bulk upload loans or automate flow?
Yes. We offer bulk upload support and API access for full automation — ideal for high-volume lenders.
How accurate is your income engine?
Our system combines AI with Human-in-the-Loop QC for 99.99% accuracy — ensuring reliable, audit-ready results.
Can I get notifications when my income report is ready?
Yes. You’ll receive email alerts and see real-time status updates in the portal when your loan is processed.
How long does it take to get results?
Most reports are completed within 30 minutes, including Smart Conditions and PDF output.
