Accurate Screening with LeaseRunner’s Rental Screening Science Score
Our rental screening science score evaluates how likely an applicant is to pay rent on time and comply with lease terms. It is built on 15 years of ACH rent collection data and real payment default analysis across 2,000+ U.S. ZIP codes from 1,000 U.S. banks. A breakthrough in screening, it reflects a tenant’s real affordability, based on actual payment behavior.
*A score built specifically for Portable Tenant Screening Reports
What is the LeaseRunner Rental Screening Science Score
Defined as LeaseRunner’s proprietary tenant screening score. It evaluates a tenant’s likelihood of missing rent payments.
Evaluating real-time bank metrics and ACH rent payment analysis to instantly prove your affordability via PTSR.
Perfect for applicants with thin files, no credit history, or no U.S. credit record. They include international applicants and first-time renters as long as they have a U.S. bank account.
15 Years
of ACH rent payment data
2.000+
U.S. ZIP codes covered
1.000+
U.S. banks integrated
500K+
Transactions analyzed
What’s included?
What Landlords See in a Rental Screening Report
The Rental Screening Science Score combines bank metrics with rental-specific factors to give landlords a complete view of tenant profiles. Showcase your payment consistency and rental behavior, helping you stand out when competing with other applicants.
Rent amount
Shows whether the rent falls within safe affordability thresholds based on the tenant’s financial profile.
Monthly income
Evaluates whether the tenant has sufficient and stable income to consistently support the monthly rent.
Bank balances
Reveals available funds to cover move-in costs and short-term financial gaps.
Payment defaults
Displays the likelihood of bounced or returned rent payments based on default data.
Other elements
At this time, LeaseRunner’s rental screening science score is only applicable for Portable Tenant Screening Reports.
What Sets RS³ Apart?
Accurate and Predictive for Your PTSR
RS³ score delivers comprehensive data that satisfies the specific needs of property owners. It helps them make confident rental decisions. Submitting your PTSR Score gives you a clear advantage to showcase reliability and boost approval chances.
Independent landlords
What they find from Tenants
Reliable rent payments and financial stability.
Their challenge
Encountering strong applicants but no U.S. credit history. Traditional screening returns no score.
How RS³ Helps
RS³ consolidates financial and rental history into LeaseRunner’s clear, standardized PTSR. It gives landlords actionable insights for decision-making.
Property Managers
What they find from Tenants
Consistency and transparency across applications to streamline screening.
Their challenge
Comparing 10+ applicants for the same unit quickly, without paying per-report fees for every inquiry.
How RS³ Helps
RS³ evaluates income and rent-specific payment behavior. It is delivered via a PTSR submitted by tenants, saving managers time in tenant screening.
Multi-Family Operators
What they find from Tenants
Predictable rent payments and affordability for large portfolios.
Their challenge
Demand for rent payment default risk data at scale; current credit scores don’t differentiate between a $1,200 unit and a $3,500 unit.
How RS³ Helps
The RS³ Score recalculates for each specific rent amount. It gives operators a property-level default prediction for every applicant.
Difference between the RS³ vs traditional credit score
LeaseRunner Rental Screening Science Score vs Traditional Credit Score
Unlike traditional credit reports, this rental screening science Score evaluates rental-specific behaviors. It uses banking metrics and application data that are highly correlated with rental payment default.
Criteria
Primary purpose
Credit information evaluated
Adjusts per rent amount
Affordability measures
Requirement of hard credit pull
Cost efficiency
Outcome
Delivery time of results
RS³ Score
Predicting rental payment risk and reliability.
Rent amount, monthly income, and payment defaults. The data is built on 15 years of ACH rent payment history.
Recalculating for every rent amount applied for.
Giving rent affordability score based on income, banking data, and rent amount.
No credit inquiry. The bank tenant data screening goes through securely with authorization.
Lower cost, portable and reusable through PTSR
Predicted default rate. It provides clearer insight to support confident approval, conditional, or denial decisions.
Instant because the tenant screening score is generated via a secure bank API.
Traditional Credit Reports
Revealing past financial behavior.
Loans, credit cards, debt repayment, and mortgage payments
Identical regardless of which property the tenant applies to.
Focusing only on credit history, leaving gaps in the data needed for a complete tenant evaluation.
Requiring a hard or soft credit pull from tenant credit check.
Typically higher per application.
Only credit score. It may raise additional questions/request about affordability and default risk for tenants.
Varying because it may take time depending on the bureau.
Example
How the RS³ is shown in LeaseRunner’s PTSR
Take Jordan’s case as a typical example
Jordan’s Data
Value
Rent
$2,500
Bank balance
$2,665
Monthly income
$5,000
RS³ credit score
793
Predicted default rate
1.10%
Default rate interval
91 months
The tenant screening report proves Jordan defaults only once every 91 months, presenting an incredibly reliable, low-risk profile. Traditional credit scores completely miss this level of rent-specific clarity. With RS³, even if your traditional credit history is low or missing, you can finally show landlords your true financial qualifications.
How It Works
How to Create a Rental Screening Science Score with Our PTSR Service
We’ve integrated this innovative score directly into our Portable Tenant Screening Reports to help the applicants strengthen their profile in the first place. The process is 100% online and secure.
Applicant authorizes the data access
Connect your financial data securely and pay a simple, one-time fee.
LeaseRunner generates the RS3
Instantly receive the Rental Screening Science Score as part of LeaseRunner’s PTSR.
Landlord review the PTSR
Share your report with one click. Landlords receive an easy-to-read, standardized summary for faster approvals.
Applicant can reuse the PTSR
Reuse this same report, including the RS³ Score, with multiple landlords for 30 days at no extra cost.
Applicant authorizes the data access
Connect your financial data securely and pay a simple, one-time fee.
LeaseRunner generates the RS3
Instantly receive the Rental Screening Science Score as part of LeaseRunner’s PTSR.
Landlord review the PTSR
Share your report with one click. Landlords receive an easy-to-read, standardized summary for faster approvals.
Applicant can reuse the PTSR
Reuse this same report, including the RS³ Score, with multiple landlords for 30 days at no extra cost.
Secure Your Home with LeaseRunner generates RS3 Score
Prove your rental affordability with an accurate RS³ score in your PTSR. Stand out, compete with confidence, and get approved faster.
Our Offerings
Pricing Options
Pay once and reuse your rental credit score up to 30 days.
Testimonials
Over 15 Years of Trust and Success
I've been using LeaseRunner for years. It makes it easy for tenants to apply and pay for their own screening. I also feel good about the screening fee going directly to a third party, versus me collecting it directly. Reports are clear, and the application gives me almost everything I need for my lease.
Stephanie L.
March 8th, 2025
LeaseRunner removes the direct contact negatives, like people suspicious of handling personal information over to another who may or may not be legit. I had an applicant accuse me of being a personal information thief! It was all a distraction. Turns out she was a twice-evicted train wreck with terrible credit. Now using LeaseRunner, there is a third element and the process is between the applicant and LeaseRunner. I get my reports and nothing more. Completing the process all online in as little as 1 hour!
Debbie W.
November 11, 2023
I’ve used LeaseRunner for 2 years now (referral from a buddy who has used them for multiple years). LR is really easy to use and very simple. They are great for applications, screenings, and lease documents.
Wayne H. Properties
December 6, 2024
FAQs
Frequently Asked Questions
The Rental Screening Science Score (RS³) is LeaseRunner's proprietary scoring methodology that predicts tenants’ rent payment default risk. Unlike traditional credit scores, RS³ is built on 15 years of actual ACH rent payment data and calculates a tenant's predicted default rate. This tenant screening score is exclusively built in Portable Tenant Screening Reports.
Traditional credit scores measure general financial behavior — loans, credit cards, and mortgage payments. The RS³ Score is built specifically to predict rental payment default. The key difference: RS³ recalculates based on the exact rent amount being applied for, while a traditional credit score stays the same regardless of what property a tenant is applying for.
No. LeaseRunner Rental Screening Science Score does not require a hard or soft credit pull. Instead, it analyzes bank account data — income, transaction history, and payment patterns — which is a more accurate and current source of financial information for rental screening purposes.
RS³ uses a combination of: (1) Bank metrics — account balances, transaction history, payroll deposits, overdrafts, returned checks, and days of activity; (2) Application data — monthly income, rent amount, number of occupants, and employment status; (3) Rental history — eviction history and payment default patterns. All bank data is accessed securely via API with the applicant's authorization.
Yes. RS³ works for applicants with thin files, no credit history, or no U.S. credit record. They include international applicants and first-time renters as long as they have a U.S. bank account. The score is calculated from bank data, not credit history, so the absence of a credit record does not prevent evaluation
Yes. RS³ is available across all 50 U.S. states. The score is built on transaction data from 2,000+ ZIP codes and 1,000+ U.S. banks nationwide. It is currently available exclusively through LeaseRunner's Portable Tenant Screening Report (PTSR).
At this time, RS³ requires a U.S. bank account to access the bank data needed for scoring. Applicants without a U.S. bank account are not able to generate an RS³ score. LeaseRunner continues to explore solutions to serve a broader range of applicants.
Currently, LeaseRunner uses the RS³ on its Portable Tenant Screening Report (PTSR). Expansion may follow to further optimize tenant screening for both landlords and tenants.