Stop Hand-Calculating
1099 Income.
Verify NYC rental applicants in seconds. We cross-reference bank statements with Live Source Data to catch forged PDFs and calculate the 40x rule for you.
The Manual Algorithm, Automated
We automate the exact steps you currently do on a calculator. Every verification follows the same rigorous methodology.
40x Rule Calculator
Automatically averages 6 months of verified deposits to determine max rent eligibility instantly.
Live Balance Match
We pull a real-time bank snapshot to ensure the "Ending Balance" on their PDF hasn't been altered.
The Rent Trail
Automatically identifies recurring outgoing payments to previous landlords as proof of payment character.
Red Flag Scan
Immediate detection of NSF (Non-Sufficient Funds) fees or "seasonal bumps" that artificially inflate income.
One Price. Everything Included.
No hidden fees. No subscriptions. Pay once per applicant and get the complete income verification.
Why This Beats Manual 1040s
Tax returns are "stale" and "fakeable". Here's how our tool compares.
Often 18 months old
Real-Time(Last 6 months)
High risk of PDF forgery
Bank-Source Verified
2+ hours of "Math Fatigue"
Automated40x calculation
Prone to human math errors
Standardizedaudit logic
For 1099 freelancers, current cash flow is the only "Revealed Preference" that matters for paying next month's rent.
Built for Agent Efficiency
Position yourself as a productivity multiplier. Screen faster, present better, protect smarter.
The "First Pass" Wedge
Don't replace your final background check. Use us as a "Quick Scan" to eliminate the 90% of unqualified applicants before you waste a weekend on them.
Audit-Ready Reports
Every audit generates a professional summary report (The "Truth Test") to present to the property owner.
Burn Rate Analysis
We flag applicants whose monthly expenses eat up >90% of their income, even if their total balance looks high.
Don't Just Take Their Word For It
We cross-reference every PDF an applicant sends you against a Live Bank-Source Balance Check. If their “Ending Balance” on the PDF doesn't match the live data from their bank, we flag it as a forgery instantly.
Every verification is timestamped for your audit trail.
Frequently Asked Questions
Everything you need to know about our verification service.
Tax returns are often stale. For 1099 freelancers, a 1040 from last year tells you nothing about their ability to pay today. Current cash flow over the last 6 months is what actually matters for next month's rent.
You get the original bank statements plus our 1-page "Truth Report" flagging any discrepancies and confirming 40x eligibility. Everything you need to make an informed decision, delivered in minutes.
We calculate the applicant's average monthly income over 6 months, then divide by 40 to determine the maximum rent they qualify for. We exclude one-time deposits, transfers between accounts, and non-recurring income to give you a true picture of their earning capacity.
Most verifications complete in minutes. Once the applicant securely connects their bank account, our system automatically pulls the live balance for fraud-checking and runs the 40x calculation. You get your Truth Report as soon as the analysis is complete.
You'll receive a report clearly marked with a fraud flag, showing the discrepancy between the PDF statement and the live bank balance. This gives you the evidence you need to reject the application or request clarification from the applicant. Either way, you're protected.
Still have questions?
Contact our support team