Case study · Real Estate

Tenant applications screened on evidence, not impression

A residential property manager receiving tenant applications with identity, income and reference documents of very uneven quality.

The client

Who they are.

A residential property manager receiving tenant applications directly from applicants. The documents that arrive — identity, income, references — are of very uneven quality and completeness.

Anonymised at the client’s request. Client names are never disclosed without written permission.

24kapplications per year
6documents per application
7 minsaved per application
The task

What had to be solved.

Screening depended on whichever agent read the file. Altered payslips passed because nobody compared them against anything, and a rejected applicant could not be given a clear reason.

The goal

What success looked like.

  • Check identity and income consistency before an agent forms a view
  • Detect a document reused across applications
  • Be able to explain any rejection by pointing at evidence
The solution

What Ceertia does here.

A use case for tenancy applications that reconciles the tenant identity across the application, the identity document and the proof of income, and checks each document against the wider application portfolio.

A real rule One rule, as it runs.

The tenant identity must be identical across the application, the identity document and the proof of income.

The procedure

How it runs, step by step.

1
Intake

The file arrives with its documents, in any format, from whoever sends it.

Tenant applicationsIdentity documentsProof of incomeEmployment lettersPrior tenancy referencesGuarantor documents
2
Recognition & classification

Every page is identified and mapped against the expected document list. Missing documents, duplicates and out-of-scope pages are flagged on receipt.

3
Verification

Each rule asks the file a question and answers it directly on the documents, with page, zone and source text attached to the verdict.

4
Arbitration

The team approves, requests a fix, or rejects. No file is approved or rejected automatically.

The result

What changed.

Screening became consistent between agents. A rejection is now explained by citing the specific inconsistency, which is both fairer to the applicant and safer for the manager.

Before
  • Screening depended on whichever agent read the file.
  • Altered payslips passed because nobody compared them to anything.
  • Rejected applicants had no clear reason to be given.
After
  • Identity and income consistency is checked before an agent forms a view.
  • A document reused across applications is flagged with both references.
  • Every decision can be explained by pointing at the evidence.

Anonymised case. Client names are never disclosed without written permission. Figures describe the file volumes and checks in this scenario.

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See it run on your own files.

Bring one real file to a 30-minute demo. Watch the verification run, evidence on screen.