Fraud is now one of the biggest challenges property managers face. With online tools, it’s easier than ever for applicants to submit fake bank statements, pay stubs, or even altered IDs. And it’s not just forgeries: synthetic identity fraud is on the rise, too. That’s when someone uses real details like a name or birth date but pairs them with a fake Social Security number—making it even harder to tell if someone is who they say they are.

But you can’t spend multiple days playing detective on every application submitted or you’d never fill a unit. Plus, most applicants are honest people who just want a place to live. Property managers need a way to catch fraud without turning every rental application into an interrogation—or slowing down the process for everyone else.

Comparing Snappt vs. Findigs

When fraud protection comes up in property management conversations, two names frequently surface: Snappt vs Findigs. These platforms take different approaches to helping property managers reduce fraud, and understanding the difference can help you choose the right fit for your operation.

Snappt operates as a specialized fraud detection tool that tacks onto your existing application process, but creates additional steps for both applicants and staff. Findigs on the other hand builds fraud protection into its end-to-end tenant screening service. From start to finish, Findigs collects tenant information, gathers missing documents, and runs background checks while keeping applicants in a single workflow. Then, it delivers approve or deny guidance based on the results and your preset screening rules. When it comes to catching fraud, this approach enables a holistic view of fraud signals across multiple points in the process rather than just examining isolated materials submitted by the applicant.

Of course, we're Findigs, so yes, we have a perspective here. But we also think there's value in honestly comparing all three approaches - including where our competitors do things well and where each platform might be the right fit depending on your specific needs.

Platform overview

Snappt: targeted fraud detection

Snappt focuses specifically on catching fraudulent documents and IDs. The platform analyzes income documents like pay stubs and bank statements, along with identification documents, for signs of tampering or fabrication. (Snappt does not accept offer letters or tax returns since they can be harder to verify). The platform integrates with property management systems like Yardi to provide this specialized fraud detection service.

How it works: When applicants submit their standard application through your PMS, Snappt sends them a separate link to upload documents for fraud analysis. Your team reviews the original application plus Snappt's fraud findings to make decisions.

Primary focus: Document verification and ID fraud detection

Findigs: take screening of your team’s plate

Findigs handles fraud detection as part of a comprehensive screening process that includes background checks and income verification. Because Findigs manages the entire screening workflow, it can check for fraud signals across the complete application rather than in isolation from document to document. This end-to-end screening process takes you all the way through to a recommended decision, removing screening tasks from your team's daily responsibilities.

How it works: Applicants complete one application that includes bank linking, identity verification, and document submission. Findigs processes everything and provides approve/decline recommendations that flow directly into your property management system.

Primary focus: Taking screening responsibilities off your team’s shoulders while providing built-in fraud protection

How the workflows compare

These platforms create different operational experiences and levels of complexity for both staff and applicants.

Snappt's process: additional steps and systems

With Snappt, fraud detection happens as an additional step in your existing workflow. Here's what that looks like:

• Applicants complete your standard application
• They receive a separate link to submit documents to Snappt
• Your team checks both the application and Snappt's fraud analysis
• When fraud is detected, your staff follows up with applicants
• Staff need training on the additional platform

As Matt Lynch, SDR for Findigs and tenant screening specialist, notes that this creates operational challenges: "It's another login for their teams to go into," adding more systems to manage daily.

Beyond the additional workflow, property managers face ongoing issues with fraud flags that require investigation. As Lynch observes, "Your team still has to deal with these fraud warnings," meaning staff must interpret alerts and determine next steps rather than receiving clear resolution.

Common operational issues property managers report with Snappt include applicants getting confused by the separate email link and uploading documents incorrectly. "Applicants won't upload their documents into the link. They'll just reply to the email with their documents. Then someone has to go back and reach out and say, 'Please use the link,'" Lynch explains. While this might seem minor, it adds up when you're processing high application volumes.

Findigs' approach: end-to-end tenant screening with built-in fraud protection

Findigs consolidates everything into one process and takes screening work off your team's shoulders. Instead of flagging potential fraud for your team to investigate, they handle resolution directly. "When we identify fraud concerns, we handle the follow-up with applicants internally," Lynch explains. "Property managers never receive incomplete fraud alerts that require additional investigation."

This means:

• Applicants complete one comprehensive application (they don’t have to go and submit documentation through a separate link)
• Findigs handles all verification and follow-up internally
• Your team receives clear approve/decline recommendations
• No additional logins or platforms for staff to manage

Fraud detection approaches

Both platforms are effective at catching various types of fraud, but they differ in scope and approach.

Document fraud: similar capabilities with different follow-through

For basic document fraud—altered pay stubs, fake bank statements—both platforms perform well. A document scanner can track metadata information and detect when documents were downloaded from suspicious sites or show signs of tampering.

However, one notable difference is that Snappt doesn't accept offer letters at all, citing concerns about fabrication and verification challenges. That makes sense from a security standpoint, but it creates real problems for honest applicants who just started a new job or got promoted and don't have recent pay stubs yet.

Where Findigs differentiates is in handling these non-standardized documents through clear rule-setting and verification processes. When non-templated documents like offer letters are submitted, Findigs' team can implement specific verification steps—like contacting employers directly for offer letter confirmation—rather than leaving property managers to figure out next steps or turning away legitimate applicants entirely.

Because Findigs looks at the entire application holistically, we might also catch things that document-only systems miss. For example, if an offer letter looks fine in isolation but something else in the application raises flags—like behavioral patterns or identity inconsistencies—we'll take a closer look at all the documentation. It works the other way too: a document that seems questionable might actually be legitimate when you see the full picture of who's applying.

Identity verification: different approaches

The platforms take different approaches to identity fraud. Snappt focuses on document authenticity, while Findigs examines broader patterns across the entire application.

"The really important type of fraud is ID fraud," explains Lynch. "If you don't know who that person really is, how can you hold them accountable? How can you remove them from your property if warranted?"

Findigs' method includes behavioral analysis, cross-referencing application details, and looking for patterns that suggest synthetic identities. This makes it harder for people to fool the system with isolated fake documents.

Operational considerations

Integration and training

Snappt integrates with your existing setup, which means less disruption upfront. However, it does require staff training on the new platform and creates additional daily tasks. Property managers report that teams sometimes struggle with managing multiple platforms throughout the day.

Property managers frequently report platform fatigue. As Lynch notes, "At conferences, you hear property managers complaining about managing dozens of different login credentials for various software platforms."

Security concerns have also emerged around document-focused platforms. There are social media posts, online forums, and services dedicated to circumventing specific fraud detection systems, Lynch explains. Because some platforms focus on particular document types or detection methods, people committing fraud can sometimes find workarounds when they know exactly what to avoid.

This is harder to achieve with Findigs’ holistic approach to fraud prevention.

Decision guidance and responsibility

With Snappt, your team makes the final decisions based on fraud flags and other application data. Snappt provides alerts but doesn't offer guidance on how to proceed. This gives you control but also means your staff need to interpret fraud signals and handle all follow-up with applicants.

Findigs provides decision guidance and assumes responsibility for their recommendations. Should any questions arise, applicant inquiries are directed to Findigs rather than your team.

Pricing and value considerations

Snappt positions itself as an accessible add-on solution. According to Lynch, it's positioned as cost-effective and provides immediate value by catching obvious document fraud without major process changes.

Findigs takes screening work off your team's plate entirely, so the investment reflects the broader scope of services. Property managers often find that operational savings offset costs—especially when you factor in reduced staff time and training needs.

Which platform makes sense?

Your choice depends largely on your current operations and goals.

Snappt might be right if:

• You think your current screening process works well (though many property managers underestimate how much time screening actually takes)
• You have staff capacity to investigate fraud flags and handle document and ID verification follow-up
• Document/ID fraud is your primary concern
• You don't mind additional systems, logins, and training requirements

Findigs might be better if:

• Your team is already handling a lot of screening tasks
• You want to reduce training and operational complexity
• Your team needs auditability and transparency with dashboards and reporting around the entire screening process
• You're dealing with identity fraud and synthetic fraud schemes beyond just document issues
• You want to take your team off screening work so they can focus on selling and customer service

Both platforms can help reduce fraud-related problems, but they fit different operational styles. Snappt adds fraud detection to what you're already doing, but creates additional workflows. Findigs takes the screening burden off your shoulders entirely.

The key is honest assessment of your current capacity and future plans. Property management teams are already juggling a lot of responsibilities. The right fraud protection tool should make your job easier, not create new complications.

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