Combine the inputs
Findigs combines verified income, the rent, and any guarantor into one record, calibrated for local rent and tax.
Rental affordability assessment
Can they carry the rent?
Findigs builds affordability from rent-to-income, guarantors, and local context, so you approve renters who can actually carry the lease.
The problem
A flat ratio gets it wrong.
A single rent-to-income ratio clears renters who cannot carry the lease and rejects ones who can, because it ignores guarantors and local cost.
The Findigs answer
The full affordability picture.
Findigs builds affordability from rent-to-income, guarantors, and local context, reflecting whether the renter can actually carry the lease.
Beyond a flat ratio
Beyond a flat ratio.
Findigs weighs guarantors and local context, so you approve renters a flat ratio would wrongly decline and decline ones it would wrongly clear.
How it works
How the affordability read runs.
Into the decision
Affordability feeds the decision.
The affordability read flows into decisioning, where Findigs returns an automatic decision and carries the inputs into the audit trail.
FAQ
Affordability questions
What does Findigs use to measure affordability?
Findigs measures affordability from verified income, the listed rent, any guarantor or co-signer on the application, and net rent-to-income calibrated for tax burden and local rent levels, so the read goes beyond a single gross ratio.
Why not just use a flat rent-to-income ratio?
A flat ratio approves and declines the wrong applicants. Findigs weighs guarantors, co-signers, and local context, so you approve renters a flat ratio would wrongly decline and decline ones it would wrongly clear.
How do guarantors and co-signers factor in?
Operators define guarantor and co-signer paths inside policy and criteria as exception rules. A qualified yes with a guarantor named becomes an approve with conditions, not a manual workaround.
How does affordability connect to the rental decision?
The affordability read flows into decisioning, where it combines with credit, eviction, and fraud signals to produce an automatic decision against your policy with the inputs carried into the audit trail.
Is affordability applied consistently for fair housing?
Yes. Findigs applies one operator-tunable affordability policy to every applicant, defines the exception paths upfront, and logs the inputs behind every decision.
Keep reading
Continue exploring Findigs.
Platform
Read moreHow Findigs decisions every application
Verify, underwrite, and return an automatic yes or no, around the clock.
Compare
Read moreSee Findigs next to the tool you use today
Same applications, two outputs. Where decisioning pulls ahead of a report.
Blog
Read moreField notes on leasing, fraud, and decisioning
Playbooks and research for operators who want to fill more units.
Trust and compliance
Every decision is handled under FCRA, encrypted in transit and at rest, applied as consistent policy with an individualized assessment, and logged to a full audit trail.
SOC 2 Type II
FCRA-compliant
Fair Housing
Stop screening, start leasing.
See how Findigs decisions every application automatically.