Comparison
Settl vs Intellirent
Intellirent verifies income from paystubs you upload. Settl connects directly to your bank via Plaid, no document to upload, no document to fake.
Get your Settl profileThe core difference
Intellirent is a landlord-ordered screening platform. Property managers set it up, applicants pay $30 and upload paystubs each time they apply. Settl flips that: you build one bank-verified profile before you ever apply, own it, and share it with any landlord for free.
Feature-by-Feature Comparison
| Feature | Settl | Intellirent |
|---|---|---|
Price Intellirent is free for landlords; the applicant pays a flat $30 per submission. Settl is always renter-paid and renter-owned. | $99 once (renter-paid) | $30 per application |
Who initiates screening Intellirent is a landlord/property-manager platform. They configure and order the screening; the renter fills out an application when asked. | Renter controls it | Landlord orders it |
Portable renter profile Settl is one profile you build once and share with any landlord. Intellirent generates a "Renter Resume" per application, tied to the property you applied for. | Yes | No |
Bank-verified income (Plaid) Settl reads income directly from your bank account via Plaid, no document involved. Intellirent verifies income from uploaded paystubs, which is document-based and can be altered. | Yes | No |
Debt-to-Income (DTI) ratio Settl calculates monthly debt obligations as a percentage of gross income and displays it on the report, color-coded from Excellent to Elevated. Tenant-controlled opt-in only. Intellirent does not offer this. | Yes | No |
Paystub-based income verification Intellirent asks applicants to upload paystubs for employment/income validation. Settl skips documents entirely and reads income straight from your bank. | No | Yes |
Verified cash reserves Settl shows how many months of rent you have saved, read directly from bank data. Intellirent focuses on income and credit, not savings. | Yes | No |
Rent payment history from bank 12 months of actual bank transactions showing payments made to landlords. Intellirent does not include bank-verified payment history. | Yes | No |
Biometric identity + liveness check Settl matches your government ID to your face in real time. Intellirent verifies identity through uploaded document validation. | Yes | Document validation |
Credit check Settl performs a soft pull VantageScore 4.0 credit check via TransUnion, zero score impact. Intellirent pulls credit through Experian. | VantageScore 4.0 (soft pull, no score impact) | Experian credit report |
Criminal background check Settl includes national + county criminal background checks via CIC. State-specific lookbacks enforced (3-10 years depending on state). Arrest records never shown. Fair Housing Act individualized assessment notice included. | Yes | Yes |
Eviction history Settl includes 7-year eviction history via CIC. Dismissed and withdrawn filings suppressed per FCRA. Intellirent includes eviction records as well. | Yes | Yes |
Pet & vehicle info Intellirent's Renter Resume includes pet and vehicle registration fields. Settl does not currently collect this. | No | Yes |
Rental listing marketing Intellirent syncs listings across multiple rental sites for landlords advertising vacancies. Settl is a screening product only, not a listing tool. | No | Yes |
Verified rent ceiling You choose what income range to display, landlords see "Verified for rent up to $X/mo" rather than your exact income. Protects your financial privacy. | Yes | No |
Household / co-applicant reports Settl combines multiple applicants into one Household Report with weighted combined income and a single shareable code. Intellirent handles co-applicants at the property manager's application level. | Yes | Property manager managed |
The Real Differences
📄 Paystub uploads vs bank-direct
Intellirent verifies employment and income from paystubs you upload. Paystubs are documents, and documents can be edited or generated. Settl skips the document entirely: income is read straight from your bank account via Plaid. Nothing to upload, nothing to fake.
💼 Landlord platform vs renter-owned profile
Intellirent is built for landlords and property managers, who set it up and order the screening. The applicant pays $30 each time they apply on a property that uses Intellirent. Settl puts the profile in the renter's hands: build it once, share the code with any landlord, no per-property fee.
💰 Cash reserves: what Intellirent misses
Intellirent's Renter Resume covers credit, background, income, pets, and vehicles, but not savings. A tenant with a few months of cash reserves can absorb a slow month without missing rent. Settl surfaces that directly from bank data.
📊 12 months of actual rent payments
Intellirent verifies income and credit, but doesn't show whether you actually paid rent on time over the past year. Settl shows 12 months of bank-verified transactions to landlords: real proof rent was paid, from a real account.
🔁 Reusable across landlords
Intellirent generates a Renter Resume per application, tied to the listing you applied for. Apply to five properties that each use Intellirent, and you may pay the $30 fee up to five times. Settl is landlord-agnostic: one code works with any landlord, anywhere.
🐾 Pet and vehicle info: Intellirent's edge
Intellirent's Renter Resume includes pet breed/vaccination and vehicle registration fields, useful for some property managers. Settl does not currently collect this, staying focused on identity, income, credit, and payment history.
Pricing Side by Side
Settl
Settl Verified Passport: $99
Biometric identity (KYC), bank-verified income ceiling, employer payroll + tenure (Argyle), rent payment history, VantageScore 4.0 soft pull credit check (zero score impact), criminal + eviction background check. Share with unlimited landlords. Valid 30 days.
30-Day Renewal: $39
Already verified? Extend your acceptance window by 30 more days. Same code, no re-verification needed.
Intellirent
$30 per application
Free for landlords, paid by the applicant. Charged again each time you apply to a different property using Intellirent.
Includes listing marketing
Intellirent also syncs vacancy listings across rental sites for landlords, a feature outside the scope of tenant screening.
Intellirent pricing as published on myintellirent.com. Subject to change.
Which Is Right for You?
Choose Settl if…
- Your income is bank-deposited and verifiable
- You want one portable profile instead of paying per application
- You have savings and want that to count
- You want 12 months of bank-verified rent payments on your profile
- You don't want to upload paystubs or documents
- You are applying with roommates (Household Report)
Intellirent might work if…
- Your target property manager already uses Intellirent
- You need pet or vehicle info included on the application
- You are only applying to one property
- The landlord is a large management company or brokerage
Ready to build a bank-verified renter profile?
No paystubs to upload. No per-application fees. One code that works with any landlord.
Get Settl Verified Passport