Exclusive for NAMB Members Automated Income Calculation
As an NAMB Member, you get exclusive access to Rapidio’s AI-powered automation, designed to eliminate manual calculations, reduce errors, and speed up underwriting— plus a 5% discount and 3 free calculation on all income calculations!
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
🏆 Recognized by the Industry’s Top Platforms:
Automated Income Underwriting
Get instant, accurate income calculations for all your tricky tax returns, paystubs, and more. From FHA to Non-QM, Fannie Mae, and Freddie Mac – we’ve got every guideline covered so you don’t miss a thing.
We Handle It All:
- W2 & Paystubs:Â From base salaries to bonuses
- Self-Employed Income:Â Freelancers, partnerships, corporations
- Extra Income Sources: Bank Statements, interest, dividends, capital gains, and beyond
Source Documents – Upload & Let AI Do the Work
No more wasting time sorting through endless documents. Simply upload W-2s, paystubs, tax returns, bank statements, or 1099s, and Rapidio instantly extracts, organizes, and calculates income — ready for underwriting.
📂 Experience the Demo – Watch how Rapidio transforms raw documents into actionable data in seconds!
Recommended Conditions – Get Underwriting-Ready Reports Instantly
Ensure 100% compliance with FHA, USDA, Non-QM, Fannie Mae, Freddie Mac, and other guidelines. Rapidio automatically applies the correct conditions based on your chosen guidelines, reducing back-and-forth and helping you close loans faster.
Exclusive NAMB Member Offer – Get 5% Off and 3 FREE Calculation!
âś” 15-minute income calculations for wage earners, self-employed, and bank statements
✔ Fully automated document processing—no manual data entry
✔ Guideline-based conditions for underwriting—ensuring compliance with FHA, USDA, Non-QM, and more
✔ Unlimited iterations—adjust and refine calculations at no extra cost
âś” Real-time analytics and insights
🚀 Start Automating Your Income Calculations Today!
âť“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.
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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.
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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 14 minutes, including Smart Conditions and PDF output.
