First report free — limited-time offer, ends November 10, 2026 92 days left

For Independent Mortgage, SBA & M&A Brokers

Income analysis without the demo call.

Cotality and Blueprint sell to bank underwriting departments. Fannie Mae's calculator only helps once you already have a lender relationship. IncomeReady is self-serve, priced in the open, and built for the independent broker who does this work alone — the same clients Outsourcing Processing already serves, one step earlier in the deal.

First report free — ends Nov 10, 2026

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No contract · No LOS integration · No sales call

QUALIFIED

Bank statement — Sept

09/03Client Payment — Rivas LLC$4,120✓ Income

09/07Transfer — Savings$1,000✗ Excluded

09/12Client Payment — Ortiz Co$3,860✓ Income

09/22Mobile Check Deposit$2,240✓ Income

Monthly qualifying income$7,614

The access gap, in numbers

What they sell to banks. What you can actually use.

None of this is a knock on their engineering — Cotality and Blueprint are built for enterprise underwriting teams. The gap is who gets to walk in the door.

	IncomeReady	Cotality (AutomatIQ)	Blueprint (IncomeXpert)	Fannie Mae Calculator
Self-serve signup	Yes	Demo required	Demo required	Yes, but limited scope
Public pricing	$0 → $50–80/report	Not published	Not published	Free
SBA coverage	Yes	No	No	No
M&A / acquisition	Yes	No	No	No
White-label report (your logo/NMLS)	Yes, included	Enterprise tier only	Enterprise tier only	No
Requires LOS / lender contract	No	Yes	Yes	No, but GSE-scope only

Three programs, one workspace

Built for how brokers actually work three deal types

The same qualifying-income engine, tuned to the math each program actually asks for.

Mortgage — you are here

Self-employed income, from real bank statements

Cash-flow based qualifying income for 1099 and self-employed borrowers — a check against, not a replacement for, the GSE 1084 calculation.

self-employed income calculator bank statement income calculator 1099 income calculator

SBA

Cash flow & DSCR analysis for SBA advisors

The add-back methodology mortgage brokers get for free — applied to SBA underwriting. See the SBA page →

SBA loan income calculator SBA DSCR calculator SBA cash flow add-backs

M&A

Acquisition cash flow, in a language buyers trust

Seller discretionary earnings and business acquisition cash flow. See the M&A page →

seller discretionary earnings business acquisition cash flow SBA 7(a) acquisition income

The actual workflow

From statement to signed report

Add the client

Business name, industry — suggested automatically as you type.

Upload the statement

CSV or PDF. Read and categorized in seconds.

Review & correct

Fix one payee, fix every occurrence in the batch at once.

Calculate

Lookback period and expense factor, fully editable.

Export the report

Branded PDF — your logo, your NMLS number.

Priced in the open — on purpose

What Cotality won't tell you until you're on a call

Limited-time First report

No card required.

Free offer ends Nov 10, 2026

Full categorization & review
One branded PDF report
Any product type — mortgage, SBA, or M&A

Most brokers land here Pay per report

$80^/report

No commitment, no monthly fee.

Everything in your first free report
Unlimited clients in your workspace
Atypical deposit flagging

Membership

$50^/report

For brokers running volume monthly.

Everything in pay-per-report
Lower per-report cost, no cap
Priority document processing

What we don't have yet — said plainly

Earning trust without the brand history

We don't have twenty years of GSE data behind us. Here's what we do instead.

Data isolation, per workspace

Every client's documents and calculations stay scoped to the broker who uploaded them — nothing crosses between accounts.

Two-factor authentication

Optional, and enforced on request, for any account handling borrower financials.

Editable, visible assumptions

Expense factors and lookback periods are shown and editable, never hidden inside a black-box score.

Flagged, not buried, anomalies

Atypical deposits are surfaced for the broker to explain — not silently included or excluded.

What this tool is, and isn't: IncomeReady calculates cash-flow-based qualifying income from bank statements. It does not replace a GSE-required tax-return-based calculation (e.g. Fannie Mae Form 1084), and using it does not carry representation-and-warranty relief from any agency. Always confirm figures against the applicable program's official guidelines.

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