This episode is sponsored by Urban Catalyst. 

Rentify is a technology platform to help property owners and managers improve their ability to screen prospects and identify ideal residents. It uses an AI-driven approach that replaces credit checks with a comprehensive analysis of prospects’ overall financial picture that leverages bank data. In this episode, we talk about the uses of artificial intelligence and how spending behavior shows a more comprehensive tenant picture. 

0:00 Introduction
1:18 Artificial intelligence and tenant screening
2:19 Building the Rentify system
3:19 How Rentify's AI works 
4:47 Going beyond the credit check
6:10 Building a long-term relationship with tenants 
6:49 Credit score inflation
7:57 Chad's experience as a landlord
9:45 Why credit checks are so expensive
10:56 The current rental market
11:47 The rise of the flexible rental 
12:47 Impact of eviction moratoriums 
13:24 Working with institutional landlords 
15:30 Urban Catalyst ad
17:28 Differences between screening in U.S. and Canada
18:56 Chad's eviction horror story
19:49 Chad's experience in technology 
20:49 Rentify and cybersecurity
22:51 The risk of identify fraud
25:00 Concerns over hacking
25:44 Uses of anonymized data
28:03 What spending habits show about tenants
30:28 The issue of subleasing
31:15 A single solution for tenant applications 
32:26 State and local restrictions 
33:15 Biggest landlord concerns right now
34:04 Rentify in 5 years