Train on real outcomes
Findigs trains the model on post-lease performance from 400K+ units, so the weights reflect how renters actually paid.
Tenant risk assessment
Score the risk against reality.
Findigs scores every application against post-lease performance from 400K+ units, so each tier predicts on-time payment from real outcomes.
The problem
A bureau score predicts the wrong thing.
A static credit score predicts general credit behavior, not whether a renter actually pays rent on time.
The Findigs answer
A tier from real outcomes.
Findigs assigns each application a risk tier trained on post-lease performance, reflecting how comparable renters actually paid.
Trained on real leases
400K+ units sharpen every tier.
The model trains on real lease outcomes across 400K+ units, so the tier sharpens with every lease the network sees.
How it works
How risk-tier modeling runs.
Into the decision
The tier rides the decision.
The risk tier feeds decisioning, where it sits on every automatic decision and, soon, the rent guarantee.
Where it fits
Where risk-tier modeling fits in underwriting.
FAQ
Risk-tier modeling questions
What is a risk tier?
A risk tier is Findigs' prediction of how likely a renter is to pay on time. Findigs trains the tier on real post-lease performance across 400K+ units, not on a static bureau score.
How is the model trained?
Findigs trains the model on post-lease performance from 400K+ units on the network, so the factors and weights reflect on-time payment, delinquency, and lease completion across real cohorts.
How is this different from a credit score?
A credit score predicts general credit behavior from a bureau file. A Findigs risk tier predicts on-time rent payment from how comparable renters actually paid, with the factor breakdown surfaced on every decision.
How does the risk tier connect to the rental decision?
The risk tier feeds decisioning, where it sits on every automatic decision and will feed the rent guarantee when that product ships.
Does the model sharpen over time?
Yes. The model sharpens with every lease the network sees, so the tier on the next application reflects the lessons of the last.
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.