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Interactive Demo · Mission Control Matrix

Tweak IPAC.
Watch Wholesalers Re-Sift.

Click any lead, then change FICO, occupancy, doc, or LTV. Real wholesale lender products — UWM · Rocket Pro TPO · Kind · Angel Oak · Kiavi · Newrez TPO · Pennymac TPO — re-rank instantly.

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Section · Originader Matrix

IPAC · Maya Okafor

I · Income

Income
Doc

P · Property

Type
Occupancy
Purpose

A · Assets

LTV
80%
Reserves
6 mo
Loan
$645k

C · Credit

FICO
730

Matrix Output · 12 Products

3 fit · 3 edge · 6 miss

UWM

Fit

Conventional 30Y

6.625%

Agency conforming · Primary/2nd · Full Doc

✓ Full Doc✓ FICO ≥ 660

Rocket Pro TPO

Fit

Rocket Conv 30Y

6.500%

Agency · 620+ · streamlined

✓ Full Doc✓ FICO ≥ 620

Rocket Pro TPO

Fit

FHA Standard

6.250%

580+ · Primary · MI required

✓ FICO ≥ 580✓ Primary

Angel Oak

Edge

Bank Statement 12mo

8.000%

12mo statements · 660+ · ≤85 LTV

✓ FICO ≥ 660✓ LTV ≤ 85✗ Doc mismatch

Newrez TPO

Edge

Smart Series Jumbo

7.125%

Non-QM jumbo · 700+ · ≤85 LTV

✓ FICO ≥ 700✓ LTV ≤ 85✗ Conforming

Pennymac TPO

Edge

2-4 Unit Owner-Occ

7.250%

2-4 unit primary · 6mo reserves

✓ Primary✓ 6mo reserves✗ Wrong prop type

UWM

Miss

Jumbo Prime 30Y

6.990%

740+ · ≤80 LTV · 12mo reserves

✓ Full Doc✓ LTV ≤ 80✗ Conforming size✗ FICO < 740

Kind Lending

Miss

Bank Statement 24mo

7.875%

Self-employed · 24mo statements

✓ FICO ≥ 660✓ LTV ≤ 85✗ Doc mismatch✗ Not SE

Kind Lending

Miss

P&L Express

8.125%

CPA P&L · 700+ · ≤80 LTV

✓ FICO ≥ 700✓ LTV ≤ 80✗ Doc mismatch✗ Not SE

Angel Oak

Miss

Investor Cash Flow (DSCR)

7.500%

DSCR ≥ 1.0 · Investment · 680+

✓ FICO ≥ 680✓ LTV ≤ 80✗ Not DSCR✗ Not investor

Kiavi

Miss

DSCR Rental 30Y

7.625%

Rental · No-ratio OK · 660+

✓ FICO ≥ 660✓ LTV ≤ 80✗ Not DSCR✗ Not investor

Newrez TPO

Miss

Smart Self 1099

7.750%

1099-only · 660+ · ≤85 LTV

✓ FICO ≥ 660✓ LTV ≤ 85✗ Doc mismatch✗ Not 1099

Click any IPAC value to flex — products re-sort instantly.

01

Pick a Lead

Sidebar shows your most recent clients. One click pre-fills IPAC with everything we already know — income type, property, FICO band, purpose.

02

Tweak IPAC

Drop FICO 60 points. Flip occupancy to investment. Bump LTV. Stress-test scenarios live, while you're still on the call.

03

See Real Wholesalers

UWM, Rocket Pro TPO, Kind, Angel Oak, Kiavi, Newrez TPO, Pennymac TPO — every product re-evaluates on every change. Fit, edge, miss. Color-coded. No refresh.

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