How to Get the Most Out of Rapidio’s Mortgage Income Calculator
If you’ve started using Rapidio’s AI-powered mortgage income calculator, you already know how much faster and easier it is to analyze income and classify documents.
But to really maximize your results — saving the most time, reducing underwriting conditions, and improving loan quality — there are a few best practices that can help.
Here’s how to get the most out of Rapidio’s automated mortgage income analysis tools.
📁 Upload Complete Document Packages
The more complete your upload, the better your results.
Rapidio’s AI document classification for mortgage files automatically sorts and labels documents — but for the best possible income calculation:
✅ Upload all available paystubs, tax returns, VOEs, award letters, lease agreements, and bank statements up front
✅ Include documents for multiple years when needed (for example, for self-employed borrowers)
✅ Combine PDFs by document type (but don’t worry if they’re out of order — we’ll classify them!)
More data = more accurate calculations + smarter conditions.
📝 Select the Correct Guideline
One of Rapidio’s key strengths is calculating income based on the guideline you select — whether that’s Fannie Mae, Freddie Mac, FHA, VA, or your investor overlays.
Before submitting a file, be sure to:
✅ Select the correct guideline in the platform
✅ Update it if your investor changes during the process
This ensures the income calculation will match the specific underwriting standards you’re targeting.
🚦 Review Smart Conditions
Every file you run through Rapidio’s automated mortgage income calculator includes Smart Conditions — AI-generated insights that tell you:
✅ What documents are missing
✅ What items may trigger underwriting conditions
✅ What you can clear up now to avoid delays later
We recommend reviewing the Smart Conditions before submitting to underwriting — it’s the fastest way to get your file “submission ready” and avoid suspense or resubmits.
🛠️ Customize Overlays for Even More Accuracy
If your company uses specific income overlays (for example, minimum history for bonus income, or tighter standards on declining income), you can configure Rapidio to apply those rules automatically.
To get the most out of the system:
✅ Work with us to set up your custom overlays
✅ Integrate with your LOS or POS if desired
✅ Whitelabel the platform to match your internal tools
🧑💻 Leverage Our Human-in-the-Loop Support
While Rapidio is powered by AI, every file is reviewed by a member of our QC team before delivery.
If you ever have questions about how income was calculated — or need clarification on a complex borrower file — our QC team is available via email.
✅ Don’t hesitate to reach out — it’s part of what makes Rapidio the most accurate mortgage income calculation software on the market.
📊 Track Your Turnaround Time
On average, files processed through Rapidio are completed in just 17 minutes per file.
If you’re not seeing that speed:
✅ Check for missing documents in your uploads
✅ Ensure guidelines are correctly selected
✅ Reach out to our support team — we’re here to help!
🚀 Summary: 5 Tips to Maximize Your Results
1️⃣ Upload full document sets — especially for complex borrowers
2️⃣ Choose the correct guideline every time
3️⃣ Review Smart Conditions before submitting to underwriting
4️⃣ Customize overlays for your business
5️⃣ Use the QC team as a resource when needed
Rapidio’s AI mortgage income calculator is already saving brokers, processors, underwriters, and lenders hours per file — and when used correctly, it will help you:
✅ Close loans faster
✅ Reduce underwriting conditions
✅ Improve borrower experience
✅ Minimize repurchase risk
💰 Ready to Get the Most From Rapidio?
If you haven’t tried Rapidio yet, now is the perfect time:
- $30 per wage earner file
- $35 per self-employed file
- Unlimited income types, unlimited borrowers, unlimited documents
Whether you’re using Rapidio as a broker, processor, underwriter, or lender — these tips will help you get the maximum return from our automated mortgage income calculator.
👉 Contact us today to get started — and experience the future of AI-powered mortgage income analysis.
