Connect a bank or payroll account and income is confirmed at the source in seconds. Upload a pay stub and it's screened against 700+ fraud indicators. When neither happens, MRI's screening experts verify what was submitted — so every applicant comes back with a verified income, not just the easy ones.
fraud indicators screened on every uploaded pay stub
of employment-verification work saved per applicant
And a payroll login is easy to skip. Income is the number that matters most on an application and the easiest to fake — a convincing stub takes minutes. The clean fix, connecting payroll or a bank, is a step some applicants can’t take and others won’t. Verification has to work for every applicant, not just the cooperative ones.
With the applicant’s permission, income is confirmed directly from their payroll provider or bank. What comes back is a verified figure — employer, income, and history — in about the time it takes to log in. When applicants take this route there is nothing to upload, nothing to examine, and nothing left to forge.
Applicants who skip the connection can upload a pay stub instead — and rather than a leasing consultant deciding whether it looks right, the document is screened against 700+ fraud indicators: formatting, math, metadata, employer details. If it holds up, the income is calculated and returned like any other verified figure. If it doesn’t, it doesn’t pass quietly.
Self-employed applicants, cash earners, gig workers, offer letters, a bank statement from a bank we can’t reach — whatever an applicant submits, MRI’s screening experts review it by hand. That includes the employment verification your team would otherwise do itself: confirming the business is registered with the state, sourcing the employer’s real phone number, and calling it. Up to 3–4 hours of work per applicant that stops being yours.
Payroll connections are table stakes — every vendor has the same integrations. The difference shows up in the files automation can’t finish: competitors mark them unverifiable and hand them back to your leasing office. Ours go to a screening expert who does the verification work — and what comes back is an answer, not a task.
An applicant whose income was verified — by connection, by screening, or by an expert — is one whose ability to pay was established rather than asserted. That is the difference between a signed lease and a collections file.
Employment verification is registry lookups, phone sourcing, callbacks, and judgment. When our screeners own it, your team gets up to 3–4 hours back per applicant — on exactly the files that used to eat the afternoon.
Connected, uploaded, or reviewed by hand — every applicant gets a route to a verified result that your team doesn’t have to invent, and nobody is penalized for how they’re paid.
Income Verification runs inside Engage Protect alongside ID verification and the background and credit checks. Identity establishes who the applicant is, income establishes whether they can afford it, and screening establishes the rest — one application, one decision.
Background, credit, criminal, eviction and rental history checks, verified by in-house screeners.
Government ID validated in real time, across the resident journey, so you know exactly who you’re handing the keys to.
Where prospects find the unit, apply from their phone, and sign the lease — inside the same application that verifies their income.
The difference is who does the work of proving it.
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