Verify Self-Employed Tenant Income in Minutes
Upload their pay stubs for a free fraud scan, plus bank-verified income reports for $19. No subscription. No account needed.
Upload a Pay Stub for Free Fraud Scan
PDF, JPG, or PNG. Pay stubs, bank statements, 1099s.
Free fraud score. No account needed.
Most landlords pass the $19 to the applicant.
See Exactly What You Get
See verified income without reviewing private bank statements. No discriminatory information, just the numbers that matter.
Income Summary
Red Flags Detected (3)
Income overstated by 102%
Claimed $8,500/mo vs verified $4,200/mo
NSF fees detected
2 insufficient funds fees in last 90 days
High income volatility
Monthly income range: $2,100 - $6,800
Full Report Includes
What you get for $19. Delivered in minutes, not days.
$19 vs. The Alternative
Most landlords add the $19 fee to their application cost.
Your applicant pays, you get peace of mind.
1 in 8 rental applications contain fraud (Snappt 2024 Fraud Report)
$10 fake pay stubs available on Fiverr (as of 2025)
Fraudulent applicants are 7x more likely to result in eviction (TransUnion SmartMove)
How It Works
Your applicant submitted their documents. They're waiting for your decision.
Upload for Free Scan
Drop a pay stub or bank statement. Get a free fraud scan in seconds. No account needed.
Pay $19
Unlock a bank-verified income report. One-time fee, no subscription. We send your applicant a secure verification link.
Applicant Proves Their Income
Your applicant clicks a secure link and connects their bank in 2 minutes. Read-only access only — no passwords shared with you.
Get Verified Report
Receive a full income verification with fraud score, 40x calculation, and red flag analysis. Minutes, not days.
Traditional screening relies on employer verification — which doesn't exist for 1099 workers. We verify income directly from the bank.
Everything in Your $19 Report
4 specialized checks that replace hours of manual review. Every report also includes bank-verified income totals, volatility analysis, reserve ratio, and a downloadable PDF.
40x Rule Calculator
Automatically averages 6 months of verified deposits. Tells you the exact max rent this applicant qualifies for. No spreadsheet needed.
Live Balance Match
Cross-references bank-reported balances against submitted documents. 1 in 8 rental applications contain fraud. We catch the discrepancy.
Rent Trail
Identifies recurring payments to prior landlords from bank history. See their actual rent payment track record, not just what they claim.
Red Flag Scan
Detects NSF fees, seasonal income bumps, and suspicious deposit patterns. Average fraud overstates income by $2,340/month.
One Price. Everything Included.
No hidden fees. No subscriptions. Pay once per applicant and get the complete income verification with all checks.
Trust & Security
Get income truth without seeing private spending. No discriminatory data, just verified numbers.
256-Bit Encryption
Bank-level security for all data
Documents Deleted
Removed after processing
Money-Back Guarantee
Full refund if not satisfied
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Secure payment processing
No Subscription
One-time $19 per applicant
Privacy First
No discriminatory data, just verified numbers
Frequently Asked Questions
Everything you need to know about verifying self-employed tenant income.
You can upload pay stubs, bank statements, 1099 forms, or tax returns in PDF, JPG, or PNG format. Our fraud scanner checks for font inconsistencies, metadata tampering, round-number patterns, and other red flags that indicate document manipulation.
Most reports are ready within minutes. After you pay $19, we send a secure verification link to your applicant. Once they connect their bank (takes about 2 minutes), our system automatically pulls and analyzes 6 months of transaction data and delivers your report.
That is exactly what we are built for. Traditional screening tools rely on employer verification, which does not exist for 1099 workers. We verify income directly from bank transactions, the only source of truth for self-employed applicants.
No. You can upload a document and get a free fraud scan with zero signup. When you are ready for the full bank-verified report, you pay $19 through Stripe. No account creation, no passwords to remember.
No subscription. $19 is a one-time fee per applicant verification. You are never charged again unless you choose to verify another applicant. No auto-renewals, no hidden fees.
If the applicant does not complete the bank connection within 7 days, or if our report does not include the income verification data we promise, we will refund your $19 in full. No questions asked.
Currently, the landlord initiates the process by uploading documents for the free fraud scan. For the bank-verified report, we send the applicant a secure link to connect their bank directly. They never share login credentials with you.
1099Verify is an income verification tool, not a consumer reporting agency under the FCRA. We provide verified financial data to help you make informed decisions. We recommend using this alongside your existing screening process as an additional data point for self-employed applicants.
If an applicant refuses bank verification, that itself is informative — legitimate applicants typically connect in under 2 minutes. If your applicant does not complete verification within 7 days, you receive a full refund. Zero risk to you.
Ready to verify?
Still have questions? Contact support