In the rental world, many decisions are still made based on gut feeling. The landlord or agent receives a payslip, everything looks fine, fingers crossed… and the lease is signed. But what if that document was forged? Or if the tenant’s income doesn’t reflect real financial stability? What if intuition fails — just this once?
That’s where one of the biggest pain points in the real estate rental industry begins: non-payment, legal disputes, and vacancies caused by poor tenant selection. All because there was no proper tenant solvency analysis.
Why a payslip isn’t enough
Many agencies and landlords think it’s enough to ask for:
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The last two or three payslips
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An employment contract
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ID or residence documents
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A reference or two
The problem? Faking a payslip is surprisingly easy today. And even if it’s genuine, it doesn’t tell the full story:
📉 How stable is the tenant’s employment?
📉 Are there outstanding debts?
📉 What’s their income-to-rent ratio?
📉 Do they have a history of missed payments?
Without this kind of insight, you’re taking financial risks blindly.
The Real Cost of Skipping Tenant Solvency Analysis
Signing with the wrong tenant can lead to:
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Months of unpaid rent
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Legal fees and eviction proceedings
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Landlord dissatisfaction
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Reputational damage
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Prolonged vacancies
What seemed like a successful contract can quickly become a time- and money-draining headache.
The solution: automated risk analysis with KBA.Suite
At KBA, we’ve developed a tool that analyzes tenant solvency automatically, securely, and objectively.
What does KBA.Suite do?
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Digitally verifies documentation
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Assesses actual income and employment stability
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Evaluates income-to-rent ratio
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Flags potential non-payment risk
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Generates a tenant risk score in seconds
With this data, agents stop relying on guesswork and make informed, traceable decisions backed by AI.
Tenant Solvency Analysis Builds Confidence and Trust
Tenant solvency analysis doesn’t just protect the landlord. It also:
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Increases landlord trust in your service
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Reduces turnover and short-term leases
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Speeds up the entire screening process
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Simplifies the tenant experience
As Viridiana Pérez, Leasing Risk Manager at Nomad Living, said:
“Before, a team member would spend up to 2 hours manually reviewing a tenant profile. Now, with KBA.Suite, we get everything in minutes. And for the tenant, the experience is much smoother.”
Conclusion
Choosing the right tenant should no longer be a gamble. Technology is here to provide security, speed, and objectivity in one of the most critical steps of the rental journey.
🔍 Still renting without data?
Discover how KBA can help you protect your assets, improve your processes, and deliver a smarter rental experience.