How qualifying rent is calculated
Vetted shows the maximum monthly rent you qualify for using one plain rule — so both you and a landlord see exactly how the number is reached. No black box.
The formula
Qualifying rent = annual income ÷ 40
The long-standing New York standard — landlords typically look for tenants earning about 40× the monthly rent. An $80,000 income qualifies for up to $2,000/month.
Where each number comes from
Every fact on your packet carries a verification marker, so a landlord can tell what's been confirmed:
- Bank-verified — confirmed by a direct bank connection. The strongest tier, and free for renters.
- Document-verified — backed by a document you uploaded (e.g. income confirmed by a pay stub or offer letter).
- Self-reported — entered by you, not yet backed by a document. Shown honestly so the verified items mean more.
Deterministic, not a credit score
The number is a simple, repeatable calculation on the inputs you choose to share — not a hidden algorithm or a tenant-screening score. There's no machine learning and nothing is held back. Credit and savings can strengthen an application and are shown as disclosed facts; income drives the headline number today, with more factors becoming part of the math over time.
You stay in control
Vetted only shows what you choose to share, through a link you can turn off at any time. Your packet is yours — a landlord reviews it, they don't pull it.