Build from the inside out to meet any market demand

A component tech stack is robust and resistant to failure

An infrastructure built using a microservices architecture can be updated at the individual component level which eliminates the need to rip and replace.
With a modular design approach, you can assemble the high-performance components that suit your team, scenarios, and manufacturing process.
That means you’ll always have exactly what you want, when you need it, without overspending on an end-to-end systems.
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Income; Assets; Closing; Liabilities; Property; Title; Credit.
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Make on-demand adaptability your new superpower
End-to-end systems are rigid, and charge for services you may not need. For example, when you receive an income waiver you must pay for an income assessment to get the asset, liabilities, and credit assessment. That’s like paying for the entire buffet when all you want is a muffin.
FlexStack Components empower your team to choose – and pay for – only those services needed.

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.

See all scenarios
We remove tedious, repetitive work so your underwriters can focus on decisions.
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