Loan prep tool
Proof of income checker
Score your package for landlords, lenders, and reviewers before you send the real statements.
Start with the free manual tool. If you want the real document view after that, analyze a statement PDF.
Free tool
Get a quick readiness score before you share the package
The point here is not to replace underwriting. It is to tell you, quickly, whether your manual summary sounds clean or whether the real file probably deserves a closer look.
Manual underwriting signals
This is a fast pre-check for renters, borrowers, and self-employed applicants.
Average monthly income visible in the package.
How many months of statements you plan to show.
Count visible overdraft, NSF, or returned-item events.
Payroll or consistent owner draws
Package is complete
Income mostly traceable
Clean ownership trail
No obvious dead months
Strong proof
Based on 3 months and an average visible income of $5,400.
Manual estimate only.
Most lenders want 2 to 6 months.
Natural next step
Move from a rough score to the real statement
If the score is borderline, upload the real statement and let the product find the exact gaps, overdraft events, income patterns, and packaging issues instead of relying on a rough manual summary.
What it gives you
Fast enough for a first pass
Each tool is intentionally narrow. The job here is a clean estimate, not a fake replacement for a full statement analysis.
Built around document quality
Flags the usual things that weaken a proof-of-income package before someone else points them out.
Red-flag oriented
Shows what is pulling the score down instead of hiding everything behind one number.
Good pre-screen tool
Natural bridge to the paid flow because the next logical step is checking the actual file.
Who uses it
This tool is strongest right before you send statements to someone else.
Renters and apartment applicants
Helpful when you want to know if the statements you plan to send will look clean enough before you share them.
Freelancers and self-employed applicants
Useful when your income is not perfectly payroll-shaped and you want a first-pass read on how defensible it looks.
Mortgage and loan prep
Good for seeing whether red flags like NSF fees, gaps, or missing pages are likely to trigger extra questions.
Operators reviewing documents
Fast enough for property managers, assistants, and intake teams doing an early screening pass.
Supporting guides
Read the article version if you want more context
The tool gives you the quick read. These posts explain the thresholds, use cases, and document expectations behind the result.
FAQ