---
doc_id: playbooks/landlord/tenant-risk-and-underwriting
url: /docs/playbooks/landlord/tenant-risk-and-underwriting
title: Tenant Risk and Underwriting
description: Screening frameworks, risk segmentation, and lease-structure controls for evaluating and managing tenant risk in landlord operations.
jurisdiction: unknown
audience: unknown
topic_cluster: unknown
last_updated: unknown
---

# Tenant Risk and Underwriting (/docs/playbooks/landlord/tenant-risk-and-underwriting)



Direct Answer [#direct-answer]

Apply neutral, policy-based screening and compare applicants on expected risk-adjusted outcomes, not nominal rent alone. Use consistent documentation standards and auditable decisions. Use this page to understand Tenant Risk and Underwriting in context, compare the operational trade-offs, and identify what should be verified before making a client, compliance, pricing, or transaction decision.

Key Workstreams [#key-workstreams]

* Normalize applicant data and minimum documentation checks.

* Evaluate income stability, liquidity, and guarantor strength.

* Compare expected delinquency/turnover risk across applicants.

* Keep screening criteria consistent across protected classes.

* NYS Human Rights Law resources: [https://dhr.ny.gov/](https://dhr.ny.gov/)

* [Leasing and Demand Operations](./leasing-and-demand-operations)

* [Fair Housing Documentation](../../compliance/fair-housing)

Citations [#citations]

* NY Department of State: [https://dos.ny.gov/](https://dos.ny.gov/)
* NYS Homes and Community Renewal: [https://hcr.ny.gov/](https://hcr.ny.gov/)
* NYC Housing Preservation and Development: [https://www.nyc.gov/site/hpd/index.page](https://www.nyc.gov/site/hpd/index.page)

See Also [#see-also]

* [Botway Docs](/docs)
* [FAQ](/docs/faq)
* [NY Landlord Questions](/docs/answer-hubs/landlord-questions)