Verify renter income from what they actually earn
A paystub and a bank file, read and cross-checked — not a number typed into a box.
Stated income is the single least reliable field on a rental application, and it is also the one that predicts the most. Two independent sources that agree are worth far more than either alone, which is why the check is a comparison rather than a reading.
Two sources, compared
Agreement is the signal; disagreement is the finding.
- Monthly income derived from the paystub
- Monthly income derived from recurring bank deposits
- The two compared within a tolerance
- A mismatch is surfaced, not averaged
Against the rent, not in a vacuum
The ratio is what you were going to work out anyway.
- Rent-to-income shown on the application
- Common thresholds applied consistently
Processed, not hoarded
The documents are read and discarded.
- Analysis produces figures, not a stored paystub
- Less of the applicant's data kept than a paper process
Part of the application
Not a separate chase over email.
- Uploaded inside the application flow
- Result attached to the applicant
Frequently asked questions
What documents does the applicant provide?
A recent paystub and a bank transaction download. Both are things they can get in a couple of minutes from their existing accounts.
Are the documents stored?
The pipeline is process-and-discard: the documents are read to derive the income figures, and it is the figures that are kept. Holding a stranger's paystub indefinitely is a liability, not a feature.
What counts as the two figures agreeing?
They are compared within a set tolerance rather than needing to match exactly, because a paystub and a bank deposit legitimately differ. What you see is whether they corroborate.
What if someone is self-employed?
The bank-transaction side still works — recurring deposits are recurring deposits. You will see the derived figure without a paystub to corroborate it, and can judge accordingly.
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