Income Verification Software for Landlords
Upload the applicant's PDF — check stated income vs real deposits , rent payment history , and signs of an edited PDF in about 30 seconds.
Used by accountants, lenders, and businesses
Encrypted in transitPDF never stored
Your full spending report
Net saved in October 2024
Income
$7,712
Spent
$4,844
Activity
47 tx · ~$103/day
Find money you're leaving on the table
Cancel unused subscriptions
3 services you haven't used in 60+ days
Switch to cheaper phone plan
You're overpaying vs similar usage profiles
Cook 3 more meals per week
You averaged $42/meal eating out — 18 times this month
Ask your statement anything
Dining spending jumped 42% vs last month. You ate out 18 times — that's $42 per meal on average.
See where every dollar went
$4,844 across 7 categories
Your financial health, scored
Spot hidden recurring charges
8 subscriptions found · $349/mo
Built for tenant screening
Who screens applicants with us
The document review a screening service charges per-report for — self-serve, with one free upload before paying.
Independent landlords
One or a handful of units — verify the application that looks too good before signing the lease.
Property managers
Consistent income verification across every application, with an exportable record for the file.
Leasing agents
Screen for edited PDFs and generator templates before forwarding an applicant to the owner.
Rent-to-own & co-signers
Check a co-signer’s cash flow actually covers the obligation they’re guaranteeing.
Screening data
Every check a screening service runs — from one upload
Stop eyeballing 30 pages of transactions. One upload returns the full picture.
Stated income vs actual deposits
Recurring income totaled and compared against what the applicant wrote on the application — padded one-off transfers flagged separately.
Rent payment history
Recurring rent-sized payments detected with their schedule — did they pay their last landlord on time, every month?
NSF and overdraft events
Insufficient-funds incidents across the statement period — the strongest single predictor of missed rent.
Edited-PDF and fake-statement signals
Running-balance verification, font consistency, metadata checks, and known generator-template matching.
Exportable screening record
Every transaction with category and date to CSV or Excel — a documented, consistent basis for the decision.
Statement looks off? Run it through the dedicated fake bank statement detector — balance math, fonts, metadata, and template artifacts checked free.
Why verify the statement, not just the pay stub
Pay stubs are the most commonly forged document in rental applications — a template and ten minutes is all it takes. A bank statement is harder to fake convincingly, because every line has to reconcile: thefraud checksverify running-balance math line by line, so an inflated deposit or a deleted overdraft breaks the document mathematically.
Income padding is the subtler problem. An applicant transfers $3,000 from a friend two weeks before applying, and the statement “shows” the income. Theincome analysisseparates recurring salary-pattern deposits from one-off transfers, so you compare the lease against income that actually repeats.
And when the decision is made, export the categorized transactions toCSV or Excel— a consistent, documented screening record for every applicant, which is also your best protection if a decision is ever challenged.
How do landlords verify income
Start with the statement, not the pay stub. A pay stub states what an employer says it pays. A bank statement shows what actually landed in the account, which is the number the rent has to come out of. Ask for both when you can, and treat the statement as the one that settles a disagreement between them.
Cross-check three things. Recurring deposits against the income stated on the application, rent-sized payments leaving on schedule at the previous address, and NSF or overdraft events during the period. A padded one-off transfer two weeks before applying fails the first check; a tenant who missed rent twice fails the second.
Confirm the file was not edited. Every other check assumes the document is real. Running-balance arithmetic, font consistency, and PDF metadata catch most edited statements, because an inflated deposit or a deleted overdraft breaks the math line by line. This is where rental income verification software earns its place over reading the PDF yourself.
Ask for three months. One month can be arranged. Three months exposes irregular pay, seasonal income, and a balance that was topped up for the application. Ask every applicant for the same period, so the comparison and the decision record stay consistent.
When the bank-link verifier cannot connect
Any bank, any statement PDF. Bank-link verifiers such as Snappt or Plaid Income depend on a connector existing for the applicant's institution. When the bank is small, regional, or a card-only account such as American Express, the connection fails and the application stalls. Here the input is the PDF the applicant downloads from their own online banking, so an unsupported bank is not a dead end and there is always a manual path.
No bank login, no live account access. The applicant is not asked for credentials and nothing connects to their account. They hand over a document they already have, which is the least-privilege option for a person who does not want a third party holding read access to their finances. Many applicants refuse the link step on those grounds alone, and refusing it should not read as something to hide.
Priced for one unit or a portfolio. A single application runs on the free upload with no account. Monthly volume runs on Pro at $19/mo ($15/mo billed yearly) for 200 pages per billing cycle, or Business at $49/mo for 500 pages per billing cycle with API access. Pricing is by pages, not per application, so an independent landlord screening two files a year is not paying an enterprise screening contract to do it.
Secure
Your PDF is processed in memory and never saved to disk. All data is encrypted in transit.
Private
We never sell or share your financial data. Anonymous uploads are auto-deleted after 7 days.
Transparent
No hidden fees, no account required. Try one statement without an account; the free upload is one-time, not monthly.
Statement analyzer pricing
Pro
For heavy files and repeat work
- 200 PDF pages per billing cycle
- Unlimited visible transactions per report
- Subscription and recurring charge detection
- Priority support
Business
For lenders, accountants, and teams processing at volume
- 500 PDF pages per billing cycle, then $0.08/page
- REST API access with your own keys
- Unlimited visible transactions per report
- Priority support
FAQ
Tenant statement screening — FAQ
Screening for a different decision? See bank statement verification software for lenders, bank statement analysis for accountants, or run the same checks through the bank statement API.
Ready?
Upload one statement.
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No credit card. No account. Drop a PDF and see a categorized preview in 30 seconds.
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