With inventory loosening and rates jumping 30–40 bps in a day twice this month, my client assessments hinge on precise income reads for hourly + bonus borrowers. I’m cross-checking DU/LP with a spreadsheet and our PPE, but I still see 2–4 DTI points swing when trended earnings and overtime caps kick in — what tools are giving you the cleanest, auditable income calc and real-time reprice alerts? Not advice — just comparing workflows; please do your own research.
In LP, Freddie AIM VOIE via Truework steadied ‘trended earnings’ DTI swings with fixed 12‑month averaging and auditable trail — OT remains.
Ocrolus Income in Encompass steadied my 2–4 pt DTI swings; when “trended earnings” wobble, I “freeze the averaging window” at 12 months before DU/LP and export the audit PDF. On 30–40 bps days I price a base-only pass first, then toggle OT back on after VOE to avoid reprices. If you don’t have Ocrolus, Blend’s income analyzer is similar: https://blend.com.
And @d_sanders24 similar: IncomeGenius in Encompass for hourly+bonus; I ‘pin’ a 12‑month lookback pre‑DU/LP. OT caps still manual.
I moved to Blend Income with Argyle for VOIE; turning on “pay cadence normalization” and excluding the current partial stub stopped the YTD misreads, and the exportable calc PDF’s been clean enough to drop in the file before AUS — like putting bumpers on a bowling lane. When borrowers switch employers mid-year, LoanBeam Wage has mapped bonuses more cleanly for me, but overtime still needs a human pass.