Mortgage brokers who add investor lending to their toolkit consistently outperform peers who stick to owner-occupied. The commissions are solid, borrowers come back, and the files close quickly. Here is exactly how brokers earn on Pimlico deals.
Compensation Structure
Pimlico Capital pays brokers through lender-paid or borrower-paid comp, your choice:
- Lender-paid: 1.5–2.0% of loan amount, paid at close
- Borrower-paid: 1.0–3.0% negotiable, paid at close from borrower
- Rate buydown: brokers can buy down for their borrower using their comp
Deal Economics Example
Typical deal: $350K DSCR loan at 2.0% lender-paid comp = $7,000 commission. Typical close time: 7 days. Typical file effort: 4–6 hours post-submission.
On a bridge loan $450K at 1.5% lender-paid = $6,750 commission, often closed in 5–7 days.
Why Investor Files Are Faster
- No tax return jockeying
- Asset-based underwriting
- Borrowers are sophisticated and responsive
- Dedicated Pimlico processor per file
- LLC / entity docs generally already in order
Referral Opportunities
Every funded investor is typically a repeat borrower. Our top brokers close 8–12 deals per year with the same 3–5 investor clients. Investor borrowers also refer other investors — this book compounds.
Getting Started
- Sign our broker agreement (online, 10 minutes)
- Submit your first file with our checklist
- Get assigned a dedicated processor
- Close in 5–10 days
- Repeat
Broker Portal
Our broker portal gives you real-time status on every file, instant rate sheets, scenario pricing tools, and one-click rate quotes for your borrowers. No more back-and-forth phone calls.
Typical Annual Earnings
Brokers closing 2–3 Pimlico files per month earn $150K–$250K/year on Pimlico volume alone. Top brokers doing 5–8 files per month clear $400K+.
Bottom Line
Investor lending is a high-commission, fast-close, repeat-business segment. Adding Pimlico to your product mix is one of the highest-leverage moves a mortgage broker can make.
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