Start with what you actually close. Everything below is driven by these two numbers.
One revenue number drives both sides. The only thing that changes is how much of it reaches you.
Monthly. This is the honest part. A bigger split with real overhead still has to beat a smaller split with none.
| Monthly expense | Today | At Mamba |
|---|---|---|
| Office space and utilities Zero if you work remote or your company provides the space. |
||
| Assistant or LOA salary Many IMBs absorb this. At Mamba it is yours. |
||
| Marketing and lead generation | ||
| Technology and software Mamba figure is set by the technology package below. |
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| Health insurance | ||
| Credit reports not funded Funded files reimburse at 100% on both sides. This is only the fallout. |
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| Other | ||
| Total monthly | $0 | $0 |
Not a hypothetical. Take a file you already closed, quote the same borrower the same rate, and look at what the check would have been.
Off by default. Turn on only what applies to you, so nothing here is inflated.
Retail and IMB originators are employees. At Mamba you are a contractor. That changes what you owe and what you can deduct.
Estimate only, using a flat marginal rate rather than graduated brackets, and ignoring deductions, credits, filing status, retirement contributions, entity election, and state-specific treatment. Self-employment tax is figured on 92.35% of net business income at 12.4% up to the wage base and 2.9% above it, plus the 0.9% additional Medicare tax over $200,000. Neither Mamba Capital Lending nor anyone at it is a tax advisor. Run any real decision past your CPA.
Annualized. Take-home after every expense on both sides.
| Annual | Today | At Mamba |
|---|---|---|
| Personal production revenue | $0 | $0 |
| Team override | $0 | $0 |
| Base salary | $0 | $0 |
| Referral income | $0 | $0 |
| Extra fundings from pricing | $0 | $0 |
| Gross income | $0 | $0 |
| Less expenses | $0 | $0 |
| Take-home income | $0 | $0 |
Prepared by Mamba Capital Lending, Inc. NMLS# 2767456 | DRE# 02376820. This analysis is an illustration built from figures you provided and current Mamba compensation terms. It is an illustration only, not an offer of employment, a guarantee of income, or a compensation agreement. Actual revenue varies by investor, loan program, pricing, and per-file deductions. Loan officer compensation is subject to Regulation Z and all applicable federal and state law. Tier advancement, override eligibility, and referral income require meeting the stated production, licensing, and certification requirements.