Income Calculation
Underwriters Trust

You make the credit decision. Rapidio calculates, documents, and saves time!

🚀 Rapidio is your precise, transparent income-calculation tool for Fannie Mae, Freddie Mac, Non-QM, FHA, and VA guidelines. Fast, reproducible, and fully under your control.

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🏆 Recognized by the Industry’s Top Platforms:

💡 Why Underwriters Choose Rapidio

The Underwriter’s Income Calculation Tool

Control -> Automation

Transparent math: every figure is clickable back to its source (document page/field).

Reproducibility: same inputs -> same result (removes human variance).

One-click QC: optional second-pass “two sets of eyes.”

Speed without compromise

Auto-calculation in minutes; final report under SLA < 30 minutes.

Smart Conditions request missing docs and call out risk triggers.

Guidelines inside

Profiles for FHA/VA/Agency and configurable strategies: averaging windows, caps, trend checks.

Edge cases: bonuses, overtime, K-1, rental, 1099, bank statements.

Audit & defensibility

Full audit trail: what was calculated, the rationale, and who confirmed. 

Versioning & deltas: see exactly what changed when new documents arrive. 

How It Works for You

Deterministic steps with full traceability – from document intake to a file-ready, auditable worksheet.

Document Classification

Automatic sorting of W-2, 1040, K-1/1120S, VOE, Bank Statements, and more - ready for extraction.

Data Extraction

Fields and metrics mapped to your selected guideline profile (Agency/FHA/VA) for consistent downstream math.

Income Calculation

Applies your strategy: averaging windows, caps, and trend/variance checks. Flags declining income and gaps.

Smart Conditions

Auto-generated asks for missing evidence (VOE, YTD, statements). Senior UW can append custom conditions.

Final Report

File-ready worksheet: numbers, formulas, conditions, and deep links back to the source page/field for audit.

Variable Income with low YTD -> trend flag + correct averaged result (no overstatement on downtrend).

Self-employed + K-1 + rental -> consolidated stable income with documented add-backs and exclusions.

average time per file
0 min
accuracy rate
0 %
less manual time per file
- 0 %
to upload your first file
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In Your Hands. Ready When You Are.

Rapidio isn't a black box!
It’s your professional calculator with audit, versions, and manual overrides. You define the strategy; we compute and document – you make the decision. 

  • Documented overrides with reasoning

  • Strategy templates by portfolio/investor

  • Export to final PDF/Worksheet and push to your LOS/CRM

Trusted by Leading Mortgage Companies Nationwide

Trusted by mortgage teams:

Andy Z.
Loan Officer
"My overall experience with Rapidio has been excellent — fast, reliable service with clear communication and consistent results every step of the way. I really like the speed and ease of use when I was trying to caulate income. It's very efficient to use."
Verified Reviewer
Loan Originator
"My overall experience with rapidio has been positive. Very easy to use system and detailed explanation of income calculation. Very easy to use, you just jump right in. I have barely had any need to reach out for additional assistance but in the cases I have it was very prompt!"
Kerrie L.
Loan Officer/Mortgage Broker
"Rapidio saved me SO much time calculating income for borrowers with complex tax returns. The information didn't fit into any of the usual calculation worksheets, and I didn't feel confident sending a preapproval with an unsure calculation. Within 30 minutes of submitting everything to Rapidio I had the full results - including review by their QC dept - AND they called to walk me through it and point out any issues so I could address them before submitting the file. I've used other income analysis companies in the past and Rapidio was by far the easiest and the fastest. I can't recommend it enough!"
Michele A.
Senior Morgage Advisor
"The income is calculated very quickly and also provides conditions and is also viewed by an underwriter. I find this super helpful and saves me so much time. I do not have to calculate income by hand. The customer support is excellent and you can talk out the situation and income with a live underwriter."
Brittanny F.
Mortgage Loan Processor
"Quick and easy to use. Aligning with UW got a lot faster."
Waseem B.
CEO
"We no longer do manual calcs ourselves. The accuracy is phenomenal. Every time we compare Rapidio's income calculations with our lenders', the results match perfectly. It saves us hours and gives us a real edge over the competition."
IMB
CEO
“We have >6,000 broker partners across 40 states that expect the best. With Rapidio, we deliver on that promise. There’s no other solution that allows cost control at the loan level. This is the future.”
Miles M.
Loan Officer
“Apparently I was able to just sign up and start; I didn't realize it was that simple. I decided to do an demo call and they were so polite in helping me understand their product and I really didn't need to be sold on anything. This provides so much value and was exactly what I was looking for. No sales pressure or tactics, just genuine help."

❓Frequently Asked Questions (FAQ)

Can I choose which income calculation method to use?

Yes. Rapidio provides multiple qualifying strategies (conservative, aggressive, lender-specific). You choose what fits your risk appetite.

Does the system create underwriting conditions automatically?

It does. We generate customizable, guideline-aligned income conditions you can use at first, mid, or final review.

How accurate are the results?

Every report is reviewed through our human-in-the-loop QC process to ensure 100% accuracy and audit-readiness.

 

Can I trust the income logic in case of audit?

Yes. All outputs include source-linked calculations, categorized income types, and full audit trails.

Can I edit or override income results if needed?

Yes. You can review all system-generated options and manually select or override results based on your judgment or lender policy.

How does Rapidio handle complex self-employed income (e.g., 1120S, K-1s)?

Our platform supports full self-employed analysis, including tax returns, 1120/1065, K-1s, and P&Ls — all aligned with agency guidelines.

Will I still be able to write my own conditions if needed?

Absolutely. You can use our smart, auto-generated conditions or modify/add your own directly before finalizing the report.