Everything you need to know about using AI to detect fake pay stubs and forged bank statements.
TenantProof is an AI-powered document verification tool that analyzes tenant application documents — pay stubs, bank statements, employment letters, W-2s, and tax returns — for signs of forgery or manipulation. It catches the document fraud that credit checks miss.
TenantProof runs 20+ checks per document including: math verification (gross minus deductions must equal net pay), tax rate validation (Social Security must be 6.2%, Medicare 1.45%), payroll provider format recognition, bank-specific statement formatting, employer verification via Google Places, and cross-document consistency checks. Fake documents fail at least one of these — usually several.
No. TenantProof complements credit checks like SmartMove, RentPrep, or TurboTenant. Credit checks verify financial history and credit score. TenantProof verifies that income documents are authentic. A tenant with a 700 credit score can still submit fake pay stubs — you need both types of screening for complete protection.
No. TenantProof is a decision support tool that analyzes documents for signs of manipulation. It is not a consumer reporting agency and does not provide tenant screening reports under the Fair Credit Reporting Act (FCRA). It should be used alongside, not instead of, traditional screening tools.
Upload up to 5 documents per screening (pay stubs, bank statements, employment letters, W-2s, or tax returns). Our AI analyzes each document individually and cross-references them against each other. You receive a clear risk score with plain-language explanations of any findings within 2-3 minutes.
TenantProof accepts PDF, JPG, and PNG files. For best results, upload clear, high-resolution scans or digital copies. Photos taken on a smartphone also work — just make sure all text is legible.
Most analyses complete in 2-3 minutes. You receive a report with an overall risk score (Low, Medium, or High), a confidence level, detailed findings for each check, and a plain-language summary explaining what was found.
Yes. TenantProof will thoroughly analyze whatever you upload. However, more documents means more cross-referencing opportunities. For example, uploading both a pay stub and bank statement lets us verify that the net pay amount matches the bank deposit.
TenantProof verifies: gross pay minus deductions equals net pay, Social Security tax is exactly 6.2%, Medicare tax is exactly 1.45%, federal tax rate matches the income bracket, state tax presence matches the state (California must have state tax, Texas must not), YTD totals are consistent with pay period timing, payroll provider format matches known formats (ADP, Paychex, Gusto, QuickBooks), and checks for red flags like round dollar amounts, missing check numbers, or generic employer names.
TenantProof checks: balance roll-forward (starting balance + deposits - withdrawals = ending balance), running balance accuracy for each transaction, bank-specific format validation (Chase, Bank of America, Wells Fargo, Citi, Capital One), deposit patterns and timing consistency, and alignment between bank deposits and pay stub net pay amounts.
For W-2s, TenantProof verifies: Box 4 (Social Security tax) must be exactly 6.2% of Box 3, Box 6 (Medicare tax) must be exactly 1.45% of Box 5, and Box 1 (wages) should align with 12 months of pay stubs if provided. Math errors in a W-2 are a strong indicator of fabrication.
TenantProof checks the employer listed on documents against the Google Places API to verify the business actually exists at the listed address. It also checks employment letters for proper letterhead, legitimate contact information, and email domains that match the company website.
When you upload multiple documents, TenantProof compares them against each other: names must match exactly, net pay on a stub should match bank deposits within $10-20, pay dates should align with deposit dates plus 1-2 business days, and employer names should be consistent across all documents.
TenantProof costs $29 per screening with no subscription or minimum. Each screening can include up to 5 documents. During beta, TenantProof is completely free — no credit card required.
No. TenantProof is pay-per-use. Screen one tenant or twenty — you only pay for what you use. No monthly fees, no annual contracts, nothing to cancel.
One screening covers one applicant and includes up to 5 documents. All documents are analyzed individually and cross-referenced against each other. If you have two applicants (e.g., co-signers), that is two screenings.
During beta, TenantProof is completely free. Sign up, upload documents, and get your analysis — no credit card required. We are collecting feedback from real landlords to improve the product before launch at $29/screening.
Very common. Rental application fraud has increased over 40% since 2020, and 93% of property managers report encountering applicant fraud (NMHC). Fake pay stub generators are easily accessible online for as little as $5-25, making this one of the most widespread forms of tenant fraud.
Documents are encrypted during upload and analysis. Screening data is automatically deleted after 30 days. We never share documents with third parties or use them for any purpose other than your requested analysis.
No tool can guarantee 100% detection. However, TenantProof runs 20+ checks per document across math, formatting, employer verification, and cross-document consistency. Most fake documents from online generators fail multiple checks simultaneously. TenantProof provides a confidence level with every analysis so you know how certain the findings are.
Check out these resources or try TenantProof yourself — it's free during beta.
The best way to understand TenantProof is to try it.
Free during beta. No credit card required.