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WIRMSSystem Online
SYSTEM ONLINE // Broker infrastructure for non-QM and investor lending

Lender intelligence and tools
for mortgage professionals.

WIRMS runs the back-end infrastructure for non-QM and investor lending: lender directory, calculators, statement analysis, and origination tools built by a working loan officer.

Search the lender directoryExplore tools
SYSTEM STATUSOnline
Active lenders
130
Filtered and normalized for non-QM & investor
Specialties
46
DSCR, bank statement, fix & flip, foreign national, and more
Tools
5
Directory, calculators, statement analysis, LOS
Status
LIVE

Tool stack

LIVE / COMING SOON / IN DEV

Lender Directory

LIVE

130 active wholesale and correspondent lenders with normalized specialties for non-QM and investor lending.

DSCR Calculator

LIVE

Fast DSCR modeling for rental and short-term rentals, built for loan officers.

Fix-and-Flip P.I.E. Calculator

LIVE

Projected profit, interest, and equity for fix-and-flip deals.

StatementScore

COMING SOON

Bank statement income analysis as a lead magnet for non-QM loan officers.

NodLOS

IN DEV

Loan origination system built for non-QM and business-purpose loans.

Lender Directory

Search 130+ active lenders by normalized specialty. Built as a working tool for brokers, not a brochure.

DSCRBank statementFix & flipForeign nationalBridgeNon-QM
Lenders
130
Specialties tracked
46
Open the directory

Built by a practitioner, not a marketing department.

WIRMS is built by Luke Roasst (NMLS# 2311093), a non-QM and investor-focused loan officer who still originates loans every week.

The tools here exist because Luke needed them for his own pipeline: lender intel, calculators, and statement analysis tuned for real borrower scenarios.

Read The Self-Employed Borrower's Guide
WORKFLOW
  1. 1. Find lenderUse the directory to target the right wholesale or correspondent partner by specialty.
  2. 2. Run scenariosModel DSCR and fix-and-flip scenarios before you ask an AE to work.
  3. 3. Analyze statementsUse StatementScore (coming soon) to turn bank statements into income quickly.
  4. 4. OriginateNodLOS ties borrower intake and lender overlays together when you're ready to move the file.

FAQ

Who is WIRMS for?

Mortgage professionals who live in the non-QM, DSCR, fix-and-flip, and investor lending world. Not consumers, not retail borrowers.

Is WIRMS a lender?

No. WIRMS is infrastructure and tools for brokers and advisors. It does not fund loans.

What is gated vs. public?

Lender names, websites, and specialties are public. AE contacts and deeper guideline intel are gated behind a simple broker access form.

How often is the data updated?

Lender intel is updated as the market moves and as Luke's pipeline exposes changes to overlays, pricing, and appetites.