RidgeWay Lending vs REPS Guard

The RidgeWay app connects Home Buyers & Realtors with Loan Officers to learn which home loan they can pre-qualify for when searching for a home to purchase. If a home buyer is pre-qualified, they can print an official Pre-Approval letter to use when placing an offer on a house. The RidgeWay app allows all 3 parties (home buyer, loan officer, real estate agent) to track the progress of the home loan application process as the Home Buyer meets the milestones and conditions required to get final approval. The App allows Home Buyer to: - Use our Mortgage Calculator to determine an exact monthly mortgage payment - Use the Mortgage Calculator to see if you are qualified for a loan amount - Use the Mortgage Calculator to see which home loan types you are eligible for - Print a Pre-Approval Letter to use when making an offer on a Home - Use the Milestones tool to track your Home Loan Application progress - Use the Conditions tool to submit items to your Loan Officer to meet your loan qualifications - Contact your Loan Officer or Realtor quickly and easily The App allows Realtors (for Buyers & Sellers) to: - Review your home buyer's financials - Use the Calculator to determine how much of a home they can afford before scheduling a showing - Use the Mortgage Calculator to see which home loan types they qualify for - Use the Milestones tool to track their Home Loan Application progress - Use the Conditions tool to track your client's progress - Contact the Loan Officer

The IRS Is AI-Ready. Are You Audit-Ready for Your REPS Status? REPS Guard is the contemporaneous time-tracking app for real estate professionals who need to document 750+ hours of qualifying material participation under IRS Section 469. Built for landlords, brokers, agents, and REPS-spouse households who manage rental property as a real business — and need the records to prove it. WHY REPS GUARD The IRS audits Real Estate Professional Status more aggressively every year. Tax court has repeatedly rejected reconstructed logs. You need contemporaneous records — entries created at or near the time the work happened, with timestamps that can't be backfilled. REPS Guard creates exactly that, automatically. WHAT YOU GET • Unlimited time entries with one-tap timer + manual entry • GPS mileage tracking with automatic trip detection — swipe to classify business vs personal • Receipt and invoice capture with OCR pre-fill (vendor, amount, date) • AI voice entry — speak about your day; we parse it into structured entries • All major tax strategies: REPS qualification, Short-Term Rental (STR loophole), Long-Term Rental, Schedule E rental expenses, Auto deductions (Standard Mileage, Actual Expense, Section 179), Home Office (Simplified + Actual), Professional Development, Agent/Brokerage • Year-end PDF + CSV reports for your CPA — per-property, per-IRS-category, per-strategy • Calendar sync (Google + Apple) with auto-categorization • Web dashboard at repsguard.com — full Pro features on desktop • IRS audit-defense reports formatted to §469 substantiation standards CONTEMPORANEOUS RECORDS, BUILT IN Every entry is timestamped immutably. Imports from MileIQ, Toggl, or CSV are flagged in the audit trail so reviewers know what was recorded live versus backfilled. PRO SUBSCRIPTION $14.99/month or $119.99/year (save 33%). Includes a 14-day free trial — add a card at signup, we charge on day 15 unless you cancel. Cancel anytime via iOS Settings → Subscriptions. YOUR DATA, YOUR CONTROL • Row-level security — only you can read your records • Receipts and trip GPS data stored in encrypted user-scoped buckets • Export everything anytime to PDF, CSV, or Excel • Account deletion in Settings — your data is gone permanently within 30 days NOT TAX ADVICE REPS Guard is a record-keeping tool, not a tax service. We help you generate the documentation the IRS expects — but you (or your CPA) interpret the numbers and file the return. Always consult a qualified tax professional for your specific situation. QUESTIONS? Email support@repsguard.com — we respond within a few business days. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://repsguard.com/privacy