Making rental evaluation objective, fair, and traceable
The rental market has long lacked a standard for assessing financial sustainability before contracts are signed. Locarisk provides that analysis layer.
Signing without analysis is an unmeasured risk
Real estate agencies and landlords routinely make multi-year financial commitments with no structured evaluation of a tenant's ability to sustain the rent. Disputes, defaults, and costly eviction proceedings are the result. Locarisk gives agencies the tool to evaluate risk before it becomes a problem.
A structured protocol, not a credit score
We don't make decisions — we provide evidence. The Locarisk protocol collects standardised financial information through a guided questionnaire, applies our scoring methodology, and returns a clear, objective picture of rental sustainability. The agent decides.
Three proprietary indicators
The analysis is built on three complementary indicators, each designed to capture a different dimension of rental sustainability and risk.
CLS™ — Contractual Lease Sustainability
Measures the relationship between the tenant's income and the total housing cost. The ratio of rent and condo fees to monthly income is the dominant factor in the overall sustainability score.
LRX™ — Lease Risk Index
Aggregates employment type, seniority, additional income sources, household density, and guarantees to estimate the likelihood of sustained payment over the lease term.
IAD™ — Information Adequacy Degree
Assesses the completeness and verifiability of the documentation submitted. A high IAD score means the analysis rests on solid, checkable evidence rather than declarations alone.
Used only for what it is collected for
All information submitted through Locarisk is used exclusively for rental sustainability analysis. It is never shared with third parties, never used for profiling, and never sold. Applicant responses and documents are stored securely and are accessible only to the agency that created the case.