AI Tenant Screening / FCRA Compliant

Decisions you can
defend later.

Credit, criminal, eviction, and income verification scored against the rules you set, returned in seconds, powered by direct bureau pipelines. Every report saves alongside the bureau data, your decision, and the matching adverse-action notice. The applicant pays the fee. You keep the paper trail.

Run My First Screening See it score live
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Median report time
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State coverage
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Screened this month

Live, refreshed every 10 min

SJ

Try a sample applicant

Live AI scoring / no signup

Demo

Hypothetical scoring only. No bureau pull, no record stored.

Bank verified

$8,400 / mo

AI verdict

Approve, send tour link

ID match

98.4%

What We Check

Leave no stone unturned.

Smartlord.ai's engine connects directly to credit bureaus and nationwide databases. Comprehensive profile in milliseconds, not days.

Full Credit Report

Hard or soft pulls. FICO, tradelines, payment history, debt-to-income.

Credit bureaus

National Criminal Search

Federal, state, and county scans. Sex offender and OFAC watchlists included.

Live database

Eviction History

Past judgments, filings, and non-payment records from 27M+ court files.

Court data

AI Income Parsing

Pay stubs OCR'd and verified, or matched against linked-bank deposit history. Fraud flagged automatically.

Smartlord.ai engine
38 Second Workflow

From "apply now" to approved offer.

Applicants get a phone-friendly portal. They consent, pay the fee, and link their bank in one flow. Smartlord.ai scores, flags, and routes the result to your inbox before they finish their coffee.

  1. Step 1 / Invite

    Send a link

    Type their email, or let them apply from your public listing. The portal opens on any phone, no app install.

  2. Step 2 / Authorize

    Applicant verifies and pays

    ID upload with selfie match, FCRA consent, $35 fee paid by the applicant. You pay nothing.

  3. Live

    Step 3 / Score

    AI scores against your rules

    Credit, criminal, eviction, and income parsed against your custom criteria. Auto-approve, escalate, or decline.

  4. Step 4 / Lease

    One click to lease

    Approved? The state-specific lease drafts itself with the applicant's name, term, and deposit pre-filled.

Live Screening

38s elapsed

Identity match

selfie + DL passed in 4.2s

98.4%

Credit pull complete

FICO 760 / 14 tradelines

Excellent

National criminal

3,142 sources scanned

Clear

Eviction records

27M court files / 0 hits

None

Income parsing

Bank linked, awaiting last paystub

Pending

Auto-decision: Once income confirms, this applicant clears your 750-credit / 3x-rent rules. Tour link will fire.

Income Engine

A pay stub is just
a fraud surface.

A doctored pay stub used to be a $20 problem. Smartlord.ai runs every uploaded stub through OCR plus a generative-AI forgery detector. We compare extracted numbers against the applicant's linked bank deposits in real time.

Forgery and tampering checks

Mismatched fonts, irregular pixel grids, suspicious metadata, and arithmetic that does not balance. We surface the why, not just a yes/no, so you can defend the decision.

Paystub OCR

High confidence
Employer: Acme Robotics
Pay date: Apr 15, 2026
Gross: $8,400.00
Bank match: Within 2.1%

Font

Consistent

Math

Balances

Metadata

Original

Deposit window: 90 days of linked-bank deposits average $8,229. Stub claim within tolerance.

Custom Criteria

Saved
≥ 680
≥ 3.0x

Sample applicant: 221 Maple 4B / $2,200 rent

Sarah Jenkins / Credit 720 / Income $7,700 (3.5x) / 1 prior eviction (2021) / Has dog

Approve

All rules met against this applicant.

Rules apply equally to every applicant. Smartlord.ai auto-generates Adverse Action Notices for declines, FCRA section 615 ready.

Save these rules to my account
Set It Once

Your rules. Applied to every applicant. No exceptions.

Set your minimum credit score, income ratio, and prior history rules once. Smartlord.ai enforces them on every applicant the same way, every time. That is not just less work. It is your strongest defense against fair-housing claims.

When the engine declines an applicant, it auto-generates the FCRA-compliant Adverse Action Notice. You stay protected. They get a clear reason. Done.

Fair-housing safe
Auto adverse-action notices
7-year audit retention
SOC 2 Type II
View pricing plans
Compliance built in

Screening that holds up to scrutiny.

FCRA compliant

Adverse-action ready

SOC 2 Type II

Audited annually

Fair-housing safe

Same rules, every applicant

AES-256 vaulted

Reports kept 7 years

FAQ

Common screening questions

What does a Smartlord.ai screening report include?
Credit score and history from a national bureau, criminal record check (including sex-offender registry), eviction history, identity verification, and income/employment review when available.
How long does a screening take?
Most reports return in under five minutes once the applicant completes the form. Manual identity steps may take up to one business day in rare cases.
Who pays for the screening?
By default the applicant pays a flat fee at the end of their application. You can choose to absorb the fee yourself per property, which is useful for high-end listings or to encourage more applications.
Is the screening FCRA-compliant?
Yes. Every report follows the Fair Credit Reporting Act. Applicants receive the required disclosures and authorization before any data is pulled, and you receive a Summary of Rights notice with each report.
Can I set my own auto-decline criteria?
Yes. Set minimum credit score, income-to-rent ratio, eviction history rules, and felony lookback windows from the screening rules panel. The AI applies your rules to every report and shows the result before you contact the applicant.
Free for landlords, applicant pays the fee

Stop guessing.
Start knowing.

Protect your property, your time, and your peace of mind. Place the right tenant the first time.

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