If you’ve been a landlord for more than five minutes, you’ve seen applicants “stretch the truth.” But lately, it’s not stretching—it’s manufactured identities, edited documents, and coordinated fraud that can look legit enough to slip through a busy leasing process. And it’s not just a few bad apples. In an industry survey, 93.3% of rental housing providers reported experiencing fraud in the past 12 months, and the most common issues were falsified pay stubs/employment docume