Franchise opportunities compared
Motto Mortgage vs Retirement Income Source
Reviewed figures from each brand's Franchise Disclosure Document (FDD), side by side. Each figure carries its FDD year and page. This is not a ranking or recommendation, and the two FDDs may cover different years and location groups.
Initial investment · Item 7
Motto Mortgage
$21,700 – $208,250
2026 FDD · Item 7Retirement Income Source
$100,400
2025 FDD · Item 7 · PDF p. 18Initial franchise fee · Item 5
Motto Mortgage
Not available
Retirement Income Source
$25,000
2025 FDD · Item 5 · PDF p. 13Royalty · Item 6
Motto Mortgage
$250
2026 FDD · Item 6 · PDF p. 24Retirement Income Source
0%
2025 FDD · Item 6 · PDF p. 13Before you compare
- Motto Mortgage figures come from its 2026 FDD and Retirement Income Source figures from its 2025 FDD, so the years differ.
- Motto Mortgage discloses more than one business format, so the investment range spans formats; the full report breaks them out.
- Only neither brand has reviewed Item 19 figures here.
Financial commitment
Motto Mortgage
Retirement Income SourceMotto Mortgage
Retirement Income Source
Motto Mortgage
Retirement Income Source
Motto Mortgage
Retirement Income Source
Motto Mortgage
Retirement Income Source
System scale & health
Motto MortgageRetirement Income SourceMotto Mortgage
Retirement Income Source
Motto Mortgage
Retirement Income Source
Motto Mortgage
Retirement Income Source
Motto Mortgage
Retirement Income Source
Motto Mortgage
Retirement Income Source
Financial performance (Item 19), by location group
Motto MortgageNot disclosed — no Item 19 financial performance representation
Retirement Income SourceNot disclosed — no Item 19 financial performance representation
Item 19 groups are shown separately and never combined. Revenue or sales figures are not profit. Net outlet change and turnover are Franopolis calculations from the disclosed counts; turnover is a count-based rate, not a measure of owner earnings.
Motto Mortgage vs Retirement Income Source: common questions
- Which costs less to open, Motto Mortgage or Retirement Income Source?
- Motto Mortgage: $21,700 – $208,250 (2026 FDD · Item 7); Retirement Income Source: $100,400 (2025 FDD · Item 7 · PDF p. 18). These are each franchisor's Item 7 estimated initial investment. The low end of the disclosed estimate is lower for Motto Mortgage. At least one range spans several business formats. Estimates are not quotes, and the FDD years may differ.
- How do Motto Mortgage and Retirement Income Source royalties compare?
- Motto Mortgage: $250 (2026 FDD · Item 6 · PDF p. 24); Retirement Income Source: 0% (2025 FDD · Item 6 · PDF p. 13). Royalties as disclosed in Item 6; other recurring fees are listed separately.
- Which has more locations, Motto Mortgage or Retirement Income Source?
- Motto Mortgage: 154 (2026 FDD · Item 20 · PDF p. 58); Retirement Income Source: 30 (2025 FDD · Item 20 · PDF p. 42). Total outlets from Item 20. Outlet counts do not indicate territory availability or franchisee results.
- Do Motto Mortgage and Retirement Income Source disclose financial performance (Item 19)?
- Motto Mortgage makes no Item 19 financial performance representation; Retirement Income Source makes no Item 19 financial performance representation. Different location groups are not directly comparable, and revenue is not profit.
Answers restate the reviewed figures above. Not a ranking or recommendation.
Keep researching
Full Motto Mortgage report
Every reviewed fee, Item 19 group, outlet table and territory disclosure
Full Retirement Income Source report
Every reviewed fee, Item 19 group, outlet table and territory disclosure
