Beyond Agency & FHA: White-Label Private Products That Lift Your Commission Cap

Author

George Tsividakis
July 14, 2025

A mortgage-broker roadmap to unlocking larger deals, bigger payouts, and loyal investor clients—without adding a single processor to your payroll.

1 | The Commission-Cap Ceiling Is Real

If you broker residential loans through agency/A-paper channels, you already know the math:

  • Dodd-Frank & TRID squeeze comp to ≤ 3 points (often capped at $10 k).

  • Conventional/FHA max loan amounts limit your upside in high-cost markets.

  • Self-employed or asset-rich borrowers get kicked to the curb when DU/LPA spit out “Refer/Ineligible.”

Result: you’re burning hours on files that stall at underwriting while the jumbo commission you deserve evaporates.

2 | Enter Private-Capital, White-Labeled

Pain Point

Private-Product Fix

How White-Labeling Helps

Low Comp Caps

YSP & origination not bound by QM 3-pt rule.

You set your own tiered pricing—keep an extra 50–150 bps.

Agency Guideline Fallout

DSCR, bank-statement, bridge, and fix-&-flip programs ignore DTI.

Brand the approval under your company name; we stay invisible.

Long Turn Times

24-hr term sheets, 10-day closes, 48-hr draws (for rehab/GUC).

Speed equals borrower gratitude and referral stickiness—credited to you.

3 | Four White-Label Programs That Blow Past FHA & DU Limits

Product

Ideal Borrower

Your Comp Window*

Fast Facts

DSCR 30-yr Fixed / ARM

1–8-unit investors who can’t document income

Up to 200 bps YSP

80 % LTV • DSCR ≥ 0.80 • Min 660 FICO

Fix-&-Flip “Lite”

Experienced flippers or cosmetic-reno buyers

150–250 bps

90 % LTC + 100 % rehab • 7-day close

Ground-Up Construction (1–4 U)

Small builders / spec investors

200–275 bps

90 % LTC (seasoned) • 24-mo I/O • bad-boy recourse only

Preferred-Equity Placement ($2–40 M)

Sponsors hit by bank LTC cuts

Up to 100 bps placement fee

10–12 % coupon • funds the 70–85 % stack gap

*LoanFunders.com pays origination + YSP outside QM cap. You choose the split.

4 | Case Study—Broker “Katie L.” Breaks the $10 k Ceiling

Metric

FHA Attempt

White-Label DSCR

Loan Amount

$512 k

$620 k

Comp Cap

$10,240 (2 pts)

$15,500 (2.5 pts)

Underwrite Time

21 days & denial (DTI 56 %)

Term sheet 24 hrs • CTC in 11 days

Borrower Outcome

Lost contract

Closed & already referring 2 friends

Katie pocketed $5,260 more and looked like a hero.

5 | How the White-Label Process Works

  1. Sign a Broker/Referral Agreement (48-hr approval).

  2. Submit File via Portal—brand stays YourCo Lending, our underwriters ghostwrite.

  3. Receive Dual Branding Docs—your logo on LE, CD, commitment.

  4. Fund & Get Paid—we wire lender proceeds; you receive origination/YSP at closing.

  5. Post-Close Servicing—LoanFunders.com handles draws, escrows, payoffs while you stay front-and-center.

No extra processors, no compliance headaches—we shoulder Dodd-Frank disclosures and investor reporting.

6 | Marketing Kit in a Box

  • Co-branded rate sheets (no mention of LoanFunders.com).

  • “DSCR in 60 Seconds” explainer PDF for realtor lunch-and-learns.

  • Fix-&-Flip ROI calculator you can embed on your site.

  • Canva templates for LinkedIn & Instagram—drop-in your logo, post in minutes.

7 | Ready to Lift Your Cap?

Broker Litmus Test

  • Have you hit a $10 k limit in the past 6 months?

  • Lost a self-employed borrower to a hard-money shop?

  • Need faster closings to keep realtor partners loyal?

If “yes” to any, it’s time to add white-label private products.

8 | Next Steps

  1. Email two recent turndowns—we’ll reply with DSCR & bridge term sheets in your brand within 24 hrs.

  2. Book a 20-minute onboarding call; start quoting ASAP.

Your logo. Your client. Our capital. Unlimited commissions.