Latest / Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Housing Data for Dynamic Rent-to-Own Underwriting
In this episode, Lucas and Luna explore a niche but growing fintech frontier: using real-time rent payment data and property tax records to underwrite rent-to-own agreements. They focus on the case of Divvy Homes, which has partnered with credit bureaus to pull alternative data—like on-time rent history over 12 months—to automatically approve tenants for lease-to-own contracts. Lucas breaks down how the data flows from property management systems to a fintech's risk engine, and how lenders can adjust the purchase-price multiplier in real time based on payment patterns. The hosts also…
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