AI-First Architecture

Catch Bad Tenants
Before They Cost You

Three independent checks running simultaneously. TransUnion credit, PayScore rental history, and Checkr background verification. Complete risk assessment in minutes.

No credit card required
5-minute setup
Cancel anytime
Join the Waitlist
Launching Soon · 5-Minute Setup · Start Today
Built on Cloudflare Workers Enterprise Infrastructure AI-First Architecture Built for Automation Available Nationwide

Rental Disaster Cost Calculator

Calculate your annual risk exposure and how much RentPilot's screening saves you

$

Industry average is 25-30% annually

How it works: We calculate your annual risk based on turnover rate, current screening effectiveness, and the average $17,000 cost per bad tenant.

Your Portfolio Analysis

Annual New Tenants
1.25
Current Method Failure Rate
8%
Expected Bad Tenants/Year
0.10

Your Annual Risk Exposure

Cost Per Bad Tenant
$17,000
Industry average
Bad Tenant Breakdown
Lost Rent:$6,000
Legal Fees:$3,500
Damages:$3,500
Turnover:$4,000
Your Annual Risk Exposure
Based on current screening method
$1,360

With RentPilot's Triple-Layer Screening

RentPilot Prevention Rate
94%
Industry-leading
Your New Failure Rate
0.48%
With RentPilot
Disasters Prevented
94%
Of your current risk
Annual Screening Cost
$38
$30/screening × 1.25 new tenants
Annual Savings
$1,278
Risk reduced by 94%
Your ROI
34x
5-Year Savings
$6,390

Invest $38/year to save $1,278/year

That's a 34x annual return on investment!

What This Means For You

  • Without RentPilot: You're exposed to $1,360 in potential losses annually
  • With RentPilot: Your exposure drops to just $82 per year (94% reduction)
  • Net Savings: $1,278 saved annually after screening costs
  • 5-Year Impact: $6,390 protected from rental disasters

Triple-Layer Protection

Three independent verification systems working together to give you complete confidence

Triple Protection
Layer 1: TransUnion
Layer 2: PayScore
Layer 3: Checkr

Layer 1: TransUnion Credit

Comprehensive credit history with FICO scores, payment patterns, debt-to-income ratios, and credit utilization.

  • Full credit report with 7-year history
  • FICO score and credit bureau data
  • Collections, bankruptcies, foreclosures
  • Open accounts and payment history

Layer 2: PayScore Rental History

Verified rent payment history directly from previous landlords and property managers - the #1 predictor of future payment behavior.

  • 5+ years of rental payment history
  • On-time payment percentage
  • Previous eviction records
  • Landlord-verified data

Layer 3: Checkr Background

Criminal background checks, identity verification, and national database searches to ensure tenant safety and legitimacy.

  • National criminal database search
  • Sex offender registry check
  • Identity verification (SSN, DOB)
  • Eviction history nationwide

Why All Three Layers Matter

Good Credit ≠ Good Tenant

Someone with a 750 credit score might have never paid rent on time. Credit only shows loan payments, not rent history.

Rental History ≠ Full Picture

A tenant with perfect rent payment history could have a criminal record or pending eviction from another state.

Background ≠ Payment Ability

Clean background doesn't mean they can afford rent. Need credit and rental history to verify financial capacity.

Only all three together give you the complete picture you need to make a confident decision.

Real Scam Case Studies

Learn from real landlords who faced rental disasters - and how RentPilot would have caught them

1

The Fake Employment Verification

❌ What Happened:

Sarah, a landlord in Austin, TX, received an application from "Michael" who claimed to work at a tech company making $85,000/year. He provided a pay stub, employment letter, and even a "supervisor" phone number for verification.

Sarah called the number - someone confirmed Michael's employment. She rented to him based on the 3x income requirement being met. Three months later, rent stopped.

Total Loss: $14,500 (5 months lost rent + $3,500 legal fees + $2,000 damages)

🚩 The Red Flags (That Were Missed):

  • Pay stubs were professionally forged PDFs
  • "Supervisor" was actually Michael's friend with a Google Voice number
  • No rental payment history in PayScore database
  • SSN didn't match the name in credit bureau records

How RentPilot Would Have Caught This:

  • TransUnion: Would show no employment history at claimed company
  • PayScore: No verified rental payment history anywhere
  • Checkr: Identity mismatch - SSN belonged to someone else
  • AI Flag: "High risk - identity verification failed, no rental history found"
$14,500
Total Loss
$30
Screening Cost
483x ROI
If screened properly
2

The Professional Squatter

❌ What Happened:

James, a landlord in Miami, FL, rented to "Lisa" who had great credit (720 score) and seemed professional. She paid first month's rent and moved in. Then the rent stopped - completely.

When James tried to evict, Lisa knew every legal loophole. She filed multiple continuances, claimed COVID hardship, and dragged the process out for 8 months. She never paid another dollar.

Total Loss: $22,000 (8 months lost rent + $6,000 legal fees + $3,000 property damage)

🚩 The Red Flags (That Were Missed):

  • 6 different addresses in 4 years (frequent moves)
  • Multiple eviction filings in other counties (not on standard credit report)
  • Rental payment history showed 0% on-time payments despite good credit
  • Previous landlords (when reached) said "She knows how to work the system"

How RentPilot Would Have Caught This:

  • TransUnion: Multiple addresses flagged as "high mobility risk"
  • PayScore: 0% on-time rent payments across all previous landlords
  • Checkr: 4 eviction filings found in national database
  • AI Flag: "CRITICAL RISK - Professional squatter pattern detected"
$22,000
Total Loss
$30
Screening Cost
733x ROI
If screened properly
3

The Stolen Identity Rental

❌ What Happened:

Maria, a landlord in Chicago, received an application from "David Johnson" with an excellent credit score (780), stable income, and clean background. Everything looked perfect on paper.

After 2 months of on-time payments, rent stopped. Maria tried to contact "David" but he disappeared. Turns out, the real David Johnson's identity was stolen. The actual tenant was using someone else's SSN, credit, and employment.

Total Loss: $18,500 (6 months lost rent + $4,500 legal fees + $5,000 damages + identity theft complications)

🚩 The Red Flags (That Were Missed):

  • Photo ID didn't match the SSN in credit bureau
  • Date of birth didn't align with employment history
  • Address history showed person living in two states simultaneously
  • Bank statements had different routing numbers than claimed bank

How RentPilot Would Have Caught This:

  • TransUnion: SSN age mismatch with stated date of birth
  • PayScore: No rental history found for this SSN combination
  • Checkr: Identity verification failed - name/SSN/DOB mismatch
  • AI Flag: "FRAUD ALERT - Potential identity theft detected"
$18,500
Total Loss
$30
Screening Cost
617x ROI
If screened properly

Common Scam Patterns We've Identified

🚨 Red Flags to Watch For:

  • Multiple addresses in short timeframe (6+ moves in 3 years)
  • High credit score but no rental payment history
  • Reluctance to provide previous landlord contacts
  • Employment dates that don't match credit bureau records
  • Offering to pay several months upfront in cash
  • Identity documents with inconsistent information

✅ How RentPilot Catches These:

  • Address History Analysis: AI flags high-mobility patterns
  • Cross-Reference Check: Verifies consistency across all 3 layers
  • Identity Verification: SSN, DOB, and name must all match
  • Employment Validation: Direct verification with actual employers
  • Eviction Database: National search across all 50 states
  • AI Pattern Detection: Recognizes known scam behaviors

How RentPilot Screening Works

Three layers of verification working simultaneously

Three Independent Checks

TransUnion credit + PayScore rental history + Checkr background. Running simultaneously for complete verification.

AI Risk Scoring

Weighted composite analysis with plain-English explanations. Spots patterns humans miss.

Results in Minutes

Application submitted at 2am? AI starts verification immediately. Wake up to complete results.

Trusted Screening Partners

TransUnion

One of the 3 major credit bureaus

PayScore

Largest rental payment history database

Checkr

Leading background check provider

Don't Risk Your Investment

A $30 screening today prevents a $17,000 disaster tomorrow. Start screening with confidence.

Early access coming soon • Triple-layer protection • 2,000+ scams caught