If you're a licensed Texas agent tired of watching a chunk of every closing disappear into a split, a 100% commission broker lets you keep the whole commission for a flat monthly fee instead. Here's how the model works, what to verify before you move your license, and exactly how RaiderX structures it.
A traditional brokerage takes a percentage of every commission you close — typically a split that grows less favorable the more you produce, sometimes only easing once you hit a cap. A 100% commission broker flips that: instead of splitting your paycheck, the brokerage charges a flat monthly fee for sponsorship, tools, and compliance oversight, and you keep the entire commission you negotiate with your client.
This isn't a discount-broker gimmick — it's a fully compliant, TREC-regulated sponsorship structure. Every Texas agent must hang their license under a sponsoring broker, but how that broker charges for sponsorship — a commission split, a flat fee, or a hybrid — is a business decision, not a legal requirement. RaiderX, for example, charges a flat monthly fee with no commission splits, no desk fees, no transaction fees, and no franchise fees on top — applying is free.
The math favors agents who close consistently. A percentage split costs you more in absolute dollars the more you sell, while a flat monthly fee costs the same whether you close one deal or ten that month — which is exactly why the model has gained traction with experienced, production-focused agents across Texas.
Not every 100% commission model is built the same, so ask specific questions before you move your license. Start with the fee schedule: is the monthly fee truly flat, or are there hidden technology fees, desk fees, or per-transaction charges layered on top that quietly erase the savings? Get the full fee schedule in writing before you sign anything.
Next, ask about Errors & Omissions (E&O) insurance. E&O protects you if a client disputes your handling of a transaction, and many brokerages require it as a condition of sponsorship. Confirm exactly what coverage your sponsorship includes and under which plan — coverage often differs for individual agents, teams, and separately licensed business entities like an LLC or property management company (PMC), and gaps here are a real risk, especially if you do any property management work.
Finally, look past the price tag at what you actually get for it: transaction and compliance support, a usable CRM, document tools, and a broker who answers the phone when you have a compliance question mid-contract. A flat fee that saves you money but leaves you unsupported on a tricky form isn't actually a good deal — compare plans side by side at /compare before you commit.
Solo agent sponsorship with E&O insurance included and full 100% commission retention.
For team leaders and their agents, operating as a DBA under RaiderX. E&O is included, and the leader sets the internal commission split.
For agents running their own brokerage entity. The LLC carries its own E&O policy and signs a Business Entity Sponsorship Agreement (BESA) once at the entity level; an owner without a license can own and run the entity while licensed agents handle all brokerage work.
Includes PortfolioX for PM operations. The PMC carries its own E&O policy and requires express broker approval for property management activity, which RaiderX's standard E&O excludes.
A flat fee only makes sense if what's behind it actually supports your business. RaiderX partners get a modern CRM and lead management, AI-powered productivity tools, transaction and compliance management, dedicated broker support, and fast, paperwork-light onboarding — the same infrastructure a traditional split is supposed to be paying for.
Paperwork is handled through EZDocs (beta): fill every current TREC contract and addendum — like the TREC 20-19 One to Four Family Residential Contract (Resale) or the TREC 39-11 Amendment to Contract — plus a growing library of TXR forms directly in-app from a guided form, send for e-signature, and have the signed copy filed into the deal automatically. There's no per-signature fee, and the full current library is browsable at /resources/forms.
Whether you're closing residential resales, farm and ranch deals, or commercial contracts like the TXR 1801 Commercial Contract - Improved Property, the forms and compliance support scale with your production instead of taking a bigger cut the more you close.
Moving your license is more paperwork-light than most agents expect. Apply free at /apply, complete a short applicant questionnaire, and — if you're applying on your own rather than being added by a team, LLC, or PMC leader — do a brief intro call with an Account Executive or the broker.
Broker approval typically comes within 3-5 business days. From there you sign onboarding documents by e-signature — an Independent Contractor Agreement (ICA) for every sponsored agent, plus a Business Entity Sponsorship Agreement (BESA) if you're onboarding an LLC or PMC — pay your first month's dues, and RaiderX handles moving your TREC sponsorship for you. Most agents are fully onboarded in about a week.
Yes. Every Texas agent must operate under a TREC-licensed sponsoring broker, but how that broker structures its fees — a commission split, a flat monthly fee, or a hybrid — is a business decision, not a legal restriction. Flat-fee, 100% commission sponsorship is a fully compliant model as long as the broker is properly licensed and regulated by TREC.
It depends on the plan. With RaiderX, E&O insurance is included for Individual and Team plan sponsorships, since RaiderX-sponsored teams operate as DBAs under the RaiderX LLC. LLC and Property Management Company partners are separate legal entities and carry their own E&O policy, and property management activity specifically requires PMC sponsorship with express broker approval. Always confirm exactly what coverage your sponsorship includes before you join any brokerage.
They shouldn't be, but always ask for the full fee schedule before you sign anything. RaiderX charges a flat monthly fee based on your plan — Individual, Team, LLC, or PMC — with no commission splits taken by RaiderX, no desk fees, no transaction fees, and no franchise fees. Applying is free.
Most agents complete the process in about a week. You apply online, complete a short questionnaire (and a brief intro call if you're a self-applicant), get broker approval typically within 3-5 business days, sign your onboarding documents electronically, pay your first month's dues, and RaiderX handles moving your TREC sponsorship for you.
No. Property management activity requires Property Management Company (PMC) sponsorship with express broker approval, since RaiderX's standard E&O coverage excludes PM work. The PMC plan includes PortfolioX and carries its own E&O policy, and is built specifically for agents managing rental properties.
Only Individual partners — sponsored directly by RaiderX with no team, LLC, or PMC in between — keep 100%. Inside a sponsored team, LLC, or PMC, the team leader or entity owner sets each agent's internal split, and for antitrust reasons that agent's split is always below 100%, with the leader or owner keeping at least 1%.
Join Texas agents who've made the switch to RaiderX. Apply today and keep every dollar you earn.