Tenant Screening Flow

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Overview

The tenant screening flow is a thorough verification process designed to assess an applicant’s eligibility as a tenant. This flow combines multiple verification steps to evaluate creditworthiness, verify income sources, and assess rental history.

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Flow Steps

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1. Identity Verification

Verifies the applicant’s identity using government-issued documents.

• Legal first and last name
• Date of birth
• Government-issued ID verification
• Selfie verification with liveness detection
• Identity verification record

View IDV Step Details

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2. Employment Verification

Validates current employment and income through Argyle or Atomic.

• Employment status verification
• Current salary verification
• Income stability assessment
• Manual document verification option

View Employment Step Details

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3. Bank Connection

Verifies income sources and financial stability:

• Primary providers: Plaid, Flinks
• Secondary providers: MX, Fincity
• Account balance verification
• Income stream verification
• Manual bank statement upload option

View Bank Connect Step Details

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4. Credit Report

Performs a soft credit check to assess financial responsibility:

• Credit score verification
• Payment history review
• Outstanding debt assessment
• Previous evictions check
• Bankruptcy history

View Credit Report Step Details

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5. Residence History

Verifies rental history and landlord references:

• Previous addresses
• Landlord contact information
• Payment history verification
• Property condition reports
• Eviction history check

View Residence History Step Details

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6. Assets

Verifies financial assets and stability:

• Bank account balances
• Investment accounts
• Retirement accounts
• Other liquid assets
• Asset ownership verification

View Assets Step Details

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Flow Configuration

{
  "flow_id": "tenant_screening_v1",
  "name": "Tenant Screening Flow",
  "steps": [
    {
      "step": "ID_VERIFICATION",
      "required": true,
      "provider": "Persona",
      "options": {
        "require_selfie": true,
        "enable_liveness_detection": true,
        "require_id_back_side": true,
        "check_id_expiration": true
      }
    },
    {
      "step": "EMPLOYMENT",
      "required": true,
      "provider": "Argyle",
      "fallback_provider": "Atomic",
      "options": {
        "verify_current_employment": true,
        "verify_income": true,
        "require_pay_stubs": true
      }
    },
    {
      "step": "BANK_CONNECT",
      "required": true,
      "providers": ["Plaid", "Flinks"],
      "fallback_providers": ["MX", "Fincity"],
      "options": {
        "verify_account_balance": true,
        "analyze_transactions": true,
        "verify_account_ownership": true
      }
    },
    {
      "step": "CREDIT_REPORT",
      "required": true,
      "provider": "Equifax",
      "fallback_provider": "TransUnion",
      "options": {
        "check_eviction_history": true,
        "check_bankruptcies": true,
        "verify_liabilities": true
      }
    },
    {
      "step": "RESIDENCE_HISTORY",
      "required": true,
      "options": {
        "history_years": 3,
        "require_documentation": true,
        "verify_landlord_references": true
      }
    },
    {
      "step": "ASSETS",
      "required": true,
      "provider": "Plaid",
      "options": {
        "verify_account_balance": true,
        "analyze_transactions": true,
        "verify_asset_ownership": true
      }
    }
  ]
}

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Success Criteria

A successful tenant screening requires:

1. Verified identity with valid government-issued ID
2. Stable employment with income meeting minimum requirements
3. Clean credit history with acceptable credit score
4. Positive rental history with no evictions
5. Sufficient income-to-rent ratio
6. Verified assets and financial stability
7. All required documentation validated

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Risk Assessment

The flow includes automatic risk assessment based on:

• Income-to-rent ratio calculation
• Credit score thresholds
• Employment stability metrics
• Rental history analysis
• Asset verification
• Income stream consistency