+$111 avg reserve per funded deal · F&I moduleReserve Max knows every lender's actual ceiling — not the rate sheet. It tells you what to mark up, how far to push, and when backing off protects the deal. Before you ever talk to the desk.
F&I managers know the rate sheets. Louie knows the real ceiling — built from 285,000+ simulated closed-loop lender outcomes, calibrated against real public CFPB enforcement data, showing exactly where each lender caps reserve before they either reject the deal or start looking harder at the structure.
Louie: Submit to Westlake at buy rate + 3.1%. They've approved 7 similar deals in this FICO/LTV band in the last 90 days without a stip on reserve. Capital One has tightened — pushing past the sheet on this profile triggers a manual review that's costing ~1.8 days. Don't chase it.
The rate sheet is what the lender publishes. The ceiling is what they actually approve — tracked deal-by-deal, across your profile mix, with outcome dates so the model degrades stale signals automatically.
Reserve markups are FTC and CFPB territory. The regulator examiners aren't looking at your rate sheets — they're looking at whether your reserve patterns correlate with protected class attributes. Louie keeps your reserve logic defensible.
Deal structure variables only: FICO tier, LTV ratio, vehicle age, loan term, lender historic outcome patterns, market rate index. Zero demographic inputs. No zip code proxy. No buyer name. No age. No income-to-payment shortcuts that blur into disparate treatment. Every recommendation is logged with the variables used — so if you're ever examined, the paper trail is clean.
Reserve Max is one module in Louie's full F&I suite — all running on your server, all tied to the same deal data, without a per-menu or per-submission fee.