Every industry runs on cost intelligence.
REO brokers never had it — until now.
Your real break-even per file. A clear picture of which work in your book is above that line — and which is quietly costing you money to take. And the Margin Map: the 26 places your margin actually moves, ranked by where you have the most room.
Backed by your own numbers, not gut feeling.
Two ways to run CI: Know Your Numbers
CI: Know Your Numbers
You and Marge build your break-even, map your client profitability, and run your Margin Map on top of the numbers you already have — your P&L, your spreadsheets, exactly as they sit today. No new system to adopt, no data migration. Just clarity on the business you’re already running.
CI: Know Your Numbers + Hub
Same break-even math, same Margin Map — but Marge runs it against real per-client and per-AM actuals pulled straight from Hub. Instead of estimates, she’s working with live data on every file, every client, every AM relationship. The deeper your data, the sharper her picture of where your money is going.
Built for REO. Run on your numbers.
Your real break-even per file
The number REO brokers have never been able to calculate cleanly. Your P&L doesn’t split REO from BPO from retail, and overhead rarely lands in the right buckets. Marge does both — so you finally see what it actually costs you to take a file.
Above the line. Below the line.
A clear, per-client and per-file-type picture of where your book lands above your break-even and where it lands below. Built for clarity on your own operation — not finger-pointing.
Your Margin Map
The 26 places your margin actually moves, ranked by where you have the most room to tighten inside your own operation — before you ever look anywhere else.
After 22 years in REO, I couldn’t answer the simplest question: what does it actually cost me per file?
Not gross income divided by file count. That number ignores your real time, your labor, everything you float and absorb. I knew it was wrong. I just had no way to find the right one.
Here’s what made it worse: every other industry runs on cost intelligence — manufacturing, trucking, restaurants, contractors. We even help our own clients find the true cost of their files every time we do an REO. We just never turned that lens on ourselves. REO brokers have been flying blind on their own economics for decades. So I built it.
It runs on your P&L, but it goes past the surface numbers. It tells you your real break-even per file. It shows you which work in your book lands above that line — and which is quietly costing you money to take. And it gives you the Margin Map: the 26 places your margin actually moves, ranked by where you have the most room to tighten inside your own operation before you ever look anywhere else.
Not to arm you against your clients. To arm you with clarity for every business decision you make.
— Christy Cj Pace, 22-year REO broker
CI just makes sure you never make that call blind again.
TrueFile™ is the AI back-office platform built for REO brokers — streamlining the inner-office work between every file, revealing the true cost of that work, and giving every broker the clarity to run their division with confidence.
Reserve your spot on the Cost Intelligence waitlist
Cost Intelligence is launching soon. Signups are paused while we finish the build — join the waitlist and we'll email you the moment it opens.
Compare what’s in each tier
Standalone CI is the on-ramp.
Solo and Staffed Broker turn the model into real per-client numbers — because they include the Hub data the model needs.
- Cost model wizard Beta
- Quarterly P&L sync + Cost Variance Beta
- Bookkeeper CoA PDF import Beta
- Marge cost coach + your Margin Map Beta
- Minimum sale price to break even + blended net per file Beta
- Marge Assistant mode (answers, coaching, drafts on request) Beta
- Package builder (drop → OCR → client-ready PDF) Beta
- OCR intake on invoices, receipts, and client forms Beta
- Shared client form library (auto-fill blank-form maps) Beta
- Float-cost meter — what aging is costing you per client Beta
- Per-AM SLA tracker + days-to-submit Beta
- Paid-package auto-archive + reconcile (3-tier match) Beta
- Per-client actuals (real $, not modeled) Beta
- Per-AM net contribution Beta
- Pulse portfolio metrics (DOM, fall rate, days-in-inventory) Beta
- AM scorecard + coaching Beta
- TrueFile™ Hub Managing: Assignments, Closing Board, TC Checklist Beta
- Reimbursement Hub (package builder + reconcile) Beta
- Photo Processor: Photo Addendums or resize and date photos for portal uploads Beta
- Weekly Inspection Schedule + cadence Beta
- Marge Agent mode (Marge does the thing, not just tells you how) Beta
- Email watcher — reads your inbox, flags what actually needs a response, and drafts it (auto-creates draft files from client mail) Beta
- Broker Cloud sync (Google Drive / OneDrive / Dropbox) Beta
- Vendor network access Beta
- Vendor management (onboarding, W-9s, work-order assignment) Beta
- Bid management (request, compare, approve, work orders) Beta
- Buyer Agent Answers Portal Beta
- Offer Management Portal Beta
- Multi-seat team access with role-routed queues Beta
- Email queue + WNY (What Needs You) routing per role Beta
- Cost model wizard Beta
- Quarterly P&L sync + Cost Variance Beta
- Bookkeeper CoA PDF import Beta
- Marge cost coach + your Margin Map Beta
- Minimum sale price to break even + blended net per file Beta
- Marge Assistant mode (answers, coaching, drafts on request) Beta
- Package builder (drop → OCR → client-ready PDF) Beta
- OCR intake on invoices, receipts, and client forms Beta
- Shared client form library (auto-fill blank-form maps) Beta
- Float-cost meter — what aging is costing you per client Beta
- Per-AM SLA tracker + days-to-submit Beta
- Paid-package auto-archive + reconcile (3-tier match) Beta
- Per-client actuals (real $, not modeled) Beta
- Per-AM net contribution Beta
- Pulse portfolio metrics (DOM, fall rate, days-in-inventory) Beta
- AM scorecard + coaching Beta
- TrueFile™ Hub Managing: Assignments, Closing Board, TC Checklist Beta
- Reimbursement Hub (package builder + reconcile) Beta
- Photo Processor: Photo Addendums or resize and date photos for portal uploads Beta
- Weekly Inspection Schedule + cadence Beta
- Marge Agent mode (Marge does the thing, not just tells you how) Beta
- Email watcher — reads your inbox, flags what actually needs a response, and drafts it (auto-creates draft files from client mail) Beta
- Broker Cloud sync (Google Drive / OneDrive / Dropbox) Beta
- Vendor network access Beta
- Vendor management (onboarding, W-9s, work-order assignment) Beta
- Bid management (request, compare, approve, work orders) Beta
- Buyer Agent Answers Portal Beta
- Offer Management Portal Beta
- Multi-seat team access with role-routed queues Beta
- Email queue + WNY (What Needs You) routing per role Beta
- Cost model wizard Beta
- Quarterly P&L sync + Cost Variance Beta
- Bookkeeper CoA PDF import Beta
- Marge cost coach + your Margin Map Beta
- Minimum sale price to break even + blended net per file Beta
- Marge Assistant mode (answers, coaching, drafts on request) Beta
- Package builder (drop → OCR → client-ready PDF) Beta
- OCR intake on invoices, receipts, and client forms Beta
- Shared client form library (auto-fill blank-form maps) Beta
- Float-cost meter — what aging is costing you per client Beta
- Per-AM SLA tracker + days-to-submit Beta
- Paid-package auto-archive + reconcile (3-tier match) Beta
- Per-client actuals (real $, not modeled) Beta
- Per-AM net contribution Beta
- Pulse portfolio metrics (DOM, fall rate, days-in-inventory) Beta
- AM scorecard + coaching Beta
- TrueFile™ Hub Managing: Assignments, Closing Board, TC Checklist Beta
- Reimbursement Hub (package builder + reconcile) Beta
- Photo Processor: Photo Addendums or resize and date photos for portal uploads Beta
- Weekly Inspection Schedule + cadence Beta
- Marge Agent mode (Marge does the thing, not just tells you how) Beta
- Email watcher — reads your inbox, flags what actually needs a response, and drafts it (auto-creates draft files from client mail) Beta
- Broker Cloud sync (Google Drive / OneDrive / Dropbox) Beta
- Vendor network access Beta
- Vendor management (onboarding, W-9s, work-order assignment) Beta
- Bid management (request, compare, approve, work orders) Beta
- Buyer Agent Answers Portal Beta
- Offer Management Portal Beta
- Multi-seat team access with role-routed queues Beta
- Email queue + WNY (What Needs You) routing per role Beta
- Cost model wizard Beta
- Quarterly P&L sync + Cost Variance Beta
- Bookkeeper CoA PDF import Beta
- Marge cost coach + your Margin Map Beta
- Minimum sale price to break even + blended net per file Beta
- Marge Assistant mode (answers, coaching, drafts on request) Beta
- Package builder (drop → OCR → client-ready PDF) Beta
- OCR intake on invoices, receipts, and client forms Beta
- Shared client form library (auto-fill blank-form maps) Beta
- Float-cost meter — what aging is costing you per client Beta
- Per-AM SLA tracker + days-to-submit Beta
- Paid-package auto-archive + reconcile (3-tier match) Beta
- Per-client actuals (real $, not modeled) Beta
- Per-AM net contribution Beta
- Pulse portfolio metrics (DOM, fall rate, days-in-inventory) Beta
- AM scorecard + coaching Beta
- TrueFile™ Hub Managing: Assignments, Closing Board, TC Checklist Beta
- Reimbursement Hub (package builder + reconcile) Beta
- Photo Processor: Photo Addendums or resize and date photos for portal uploads Beta
- Weekly Inspection Schedule + cadence Beta
- Marge Agent mode (Marge does the thing, not just tells you how) Beta
- Email watcher — reads your inbox, flags what actually needs a response, and drafts it (auto-creates draft files from client mail) Beta
- Broker Cloud sync (Google Drive / OneDrive / Dropbox) Beta
- Vendor network access Beta
- Vendor management (onboarding, W-9s, work-order assignment) Beta
- Bid management (request, compare, approve, work orders) Beta
- Buyer Agent Answers Portal Beta
- Offer Management Portal Beta
- Multi-seat team access with role-routed queues Beta
- Email queue + WNY (What Needs You) routing per role Beta
Annual = 2 months free on every tier. Standalone CI doesn’t include per-client actuals because those require your operations data living in TrueFile™ Hub.
Your numbers stay yours. Marge is informational, not fiduciary — she surfaces options and frameworks built from your own data. All decisions remain solely yours.