Know which files
are actually paying you.
Per-file cost model that reads YOUR P&L, accounts for YOUR overhead, and tells you — by AM, by file type, by quarter — which work is making money and which work is eating it. Marge coaches the rest.
Standalone at $89/mo — or part of the Solo bundle at $139/mo.
The cost intelligence model generic transaction tools (Concourse360™, Dotloop, SkySlope) don't have. Runs alongside whatever you use today.
TrueFile™ is the operational and financial intelligence platform built for REO brokers — automating the work between the platforms, revealing the true cost of every file, and giving every broker the clarity to run their division with confidence.
Most REO brokers can tell you their gross commission per file. Almost none can tell you the net — after replacement-cost broker labor, support staff, mileage, tech, overhead, float, and the AM-specific reimbursement leakage you swallow every month.
That's how you end up keeping AMs that look fine on paper and quietly cost you money. Or pricing renewals off gut instead of math.
REO is an averages game. Until you can see the average net per file by AM, you're guessing — and the guess is usually too generous.
Three surfaces. One source of truth.
11-step wizard captures your real labor mix, replacement rates, support pool, mileage, tech stack, marketing/BD, facilities, compliance, BPO + commercial lines. Outputs cost-per-file by file type, blended net, and break-even ASP.
- Replacement-cost broker labor (no double-dip)
- Owner-comp routed correctly to cash draw
- Reality-check gates on the 3 places brokers fool themselves
Drop in your QBO export or upload a CSV. We map line items to the model with your synonym dictionary, surface Cost Variance vs the modeled run, and tell you what moved.
- Modeled vs Booked — gap shown as "Cost Variance"
- Bookkeeper CoA PDF for clean handoff
- Owner-only benefits routed via single PL Review checkbox
Per-AM worksheet showing files closed, avg sales price, avg fee per file, hold months, and net contribution. Marge reasons portfolio-first off this — never off a single ugly file.
- Trigger renegotiation only when AM blended is ~25% below company
- Marge ask: "give me the pulse on [property|AM|month]"
- Per-AM rejection % feeds the loss ratio
Your numbers, with a coach who's read them.
Marge runs the 26-lever internal cost playbook BEFORE any AM fee conversation, answers in your wizard's plain English (never snake_case), and pulls you up to the AM's blended book — never coaches off one ugly file.
"Show me where I have headroom on overhead before I call my biggest AM" — Marge ranks all 26 levers by your detected slack and walks the conversation, lever by lever.
Run your numbers — free
Your P&L, your AMs, your overhead. See the per-file net before you commit.
What the model unlocks
Two ways to get it
Buy Cost Intelligence on its own — or bundle it with the Reimbursement Hub and TrueFile™ Hub.
Run the numbers honestly. Once.
The wizard takes 45–90 minutes the first time. After that, quarterly P&L sync keeps it living without rebuilding from scratch.