Instant Guarantor Verification

The Problem

Most agencies verify the tenant but barely scrutinize the guarantor. Yet in default situations, the guarantor's ability to pay is everything.

• Guarantor documents are often reviewed superficially

• Income and stability are rarely cross-checked against the rent obligation

• Guarantors are sometimes fraudulent themselves,  submitted by the same fabrication networks as tenants

The Solution

Luuzon applies the same fraud detection and scoring logic to guarantors as it does to tenants  automatically, as part of every dossier review.

The verification agent:

• Extracts and verifies guarantor income documents

• Calculates guarantor income-to-rent coverage ratio

• Detects document manipulation at the same quality level as tenant fraud checks

• Generates a guarantor reliability score

• Surfaces inconsistencies between guarantor and tenant profiles

How It Works

1. Guarantor Documents Uploaded Payslips, tax notices, and ID submitted alongside tenant dossier.

2. Independent Analysis Luuzon runs fraud detection and scoring on guarantor files independently.

3. Coverage Assessment The system computes whether the guarantor can cover rent obligations in a default scenario.

4. Joint Dossier View Agent sees tenant + guarantor scores side by side with a combined risk assessment.

Key Capabilities

• Guarantor income extraction and verification

• Fraud detection on guarantor documents

• Income coverage ratio calculation

• Joint tenant-guarantor risk score

• Alert on guarantor-tenant inconsistencies

Example Outcome

Before: Agent approves a dossier with a guarantor whose payslip is fabricated. Default occurs in month 3.

After: Luuzon flags the guarantor's payslip as manipulated during document intake.

Result: Fraudulent application rejected before the landlord is ever involved.

Best For

• Agencies where guarantors are common (student rentals, young professionals)

• High-value property managers requiring airtight financial coverage

• Agencies that have experienced guarantor-related defaults