The LeaseWorthy™ Score is a cash-flow-based risk assessment rating designed to offer a fairer, more accurate evaluation of your rental capability.
Unlike traditional credit bureaus that judge your eligibility based on credit cards, student loans, or historical debt collections, LeaseDefend™ evaluates you based on real-time cash-flow behavior.
By analyzing your bank transactions securely via bank-grade encrypted open banking connections, we calculate a score between 30 and 100 that properties use to gauge whether you're a qualified applicant. This means you aren't penalized for having a thin credit file or no credit history.
Analyzes direct deposit payroll cycles and regular income streams to verify that incoming monthly cash flow is sufficient to cover the requested monthly rent comfortably.
Looks at utility accounts (electricity, water, gas, internet/cable) and rent history to confirm that recurring expenses are settled regularly and on time.
Measures the liquid balance available in checking and savings accounts relative to the monthly rent, ensuring a safety net is present for unexpected events.
Non-Sufficient Funds (NSF) events or overdraft fees on your checking account represent significant risk markers. The algorithm applies point deductions for recent NSF occurrences in the last 12 months, as they reflect immediate liquidity strain.
Strong verified record: excellent rent coverage, highly consistent bill payments, and a healthy savings reserve.
Mixed verified record: a stable profile that may have a lower savings buffer, a higher rent-to-income ratio, or minor utility payment irregularities.
Weak verified record: thin income coverage relative to rent, minimal savings reserve, or recent non-sufficient funds (NSF) overdraft events.
Ready to generate your verified financial profile? Get your LeaseWorthy™ Score report and share it with managers instantly.