Platform · Income & Employment

The stated number, resolved.

Every applicant sends something different — screenshots, statements, letters — and the team does the math in a spreadsheet nobody can find later. NOVY resolves stated income against source-connected documents, and keeps the calculation inside the workflow.

See income resolve
01 · Stated

Every application starts with a claim

The applicant states $4,850 a month. Right now that's a claim — the workflow's job is to resolve it, not to take it or reject it on faith.

02 · Collect

Documents dock where they're used

Statements and paystubs attach directly to the income calculation — requested from the applicant in-flow, never chased over email.

03 · Resolve

The documented figure settles

Aggregated totals from income sources compute in view — $4,720 documented against $4,850 stated — with the delta visible instead of buried in a side spreadsheet.

04 · Criteria

Checked against your configured policy

The ratio lands against configured criteria — rent-to-income within policy — and the result reads as a status the whole team interprets the same way.

05 · Carry

The calculation follows the file

The documented figure, its sources, and the criteria result carry into the decision and application history — reconstructable later, spreadsheet not required.

Income verification · A. Rivera
Income verification · A. Rivera
A claim, awaiting documents
Stated monthly income$4,850
Documented
StatusAwaiting documents
Supporting documents
Requested in-flow
Bank statement · JunUploaded
Bank statement · JulUploaded
Bank statement · AugUploaded
Income documents uploadedDocked to the calculation
Income calculation
Math in the open
Stated$4,850
Documented$4,720
Delta vs stated−$130
Rent-to-income ratio3.1×
Application · income review
Configured criteria applied
Income ratioAggregated totals from income sources3.1×Needs review
Rent-to-income within policyRisk signal
StatusCriteria met
Application · income events
Reconstructable later
1:02 PMIncome documented · 3 sources attachedDocumented $4,720 vs stated $4,850
1:03 PMCriteria applied · rent-to-income within policy3.1× · criteria met
1:05 PMCarried into decisionNOVY workflow
Spreadsheet not requiredAppend-only
NOVY · Trust coreA claim, awaiting documents

Stated, documented, resolved —
and still there next year.

What changes

Income review without the side math

When the calculation lives inside the workflow, three things stop happening.

Operator

No spreadsheet math

The documented figure computes where the documents are, reducing manual aggregation and re-keying.

Portfolio

One income standard

The same criteria and the same calculation apply at every property, for every reviewer.

Risk & compliance

A visible basis

Every income decision shows its documents, its math, and its criteria result — the basis is inspectable, not remembered.

Connected system

What this capability inherits, and what it gives

Income & Employment is one step in one governed leasing workflow — each step builds on what came before.

Inherits from upstream
  • Configured income criteria from property and portfolio settings
  • Applicant-provided documents and stated income from the application
  • Verified applicant identity from Screening & Identity
Gives downstream
  • Documented income and criteria result for the decision stage
  • Income context for lease generation (rent-to-income posture)
  • Income events written to the audit record

Run a file through income review

Bring a real (redacted) application — we'll resolve it live. If the right answer isn't NOVY, we'll tell you.