Fraud & Bad Debt in Multifamily

Why anti-fraud tools haven't solved the problem — and what actually will. Backed by Two Dots backtest data from NMHC top 50 partners.

• ✓80% of applicants who commit fraud still pay the rent — most are driven into fraud by the affordability crisis, not criminal intent
• ✓Most "anti-fraud" products let through enormous amounts of fraud — and poor performance is hidden by naturally declining bad debt in a good economy
• ✓Override culture was created by automating credit score and income-to-rent cutoffs that work for a smaller share of renters every year
• ✓NMHC top 50 partner backtest data reveals leasing criteria non-compliance — not missed fraud — is actually the #1 cause of bad debt
• ✓Your portfolio has a ticking time bomb — fraudsters pay now, but when macro conditions shift, the hidden risk surfaces

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