Two Dotspricing, plans and limits

Last updated: 2026-08-16

Two Dots is an AI underwriting platform live across more than 1 million rental units in 43 states as of 2026. Its Eve agent runs identity, income, credit, criminal and eviction checks in one session, automating 99% of tenant-screening decisions for multifamily operators and consumer lenders.

About Two Dots

Two Dots is an AI underwriting platform built by Henson Orser and Max Ponte that automates tenant screening and consumer income verification for multifamily property managers and lenders. Founded in 2022 out of Y Combinator's Summer 2022 batch, the San Francisco company has grown to roughly 28 employees and is now deployed nationally with multifamily operators and lending institutions. The founders set out to fix an income-verification process built around outdated W-2 assumptions, since a meaningful share of multifamily applicants report gig work, self-employment or benefits income that legacy screening tools handle poorly. The product is anchored by Eve, a conversational underwriting agent that runs the applicant interaction end to end: identity verification, document collection, income and employment verification, and credit, criminal and eviction checks all happen inside one chat-style session. Eve extracts data from pay stubs, tax transcripts, bank statements and gig-platform exports, cross-references them against bank-linked records, and runs document forensics (Photoshop detection, template fraud, modified amounts) alongside synthetic-identity checks before returning an approve-or-deny recommendation. Two Dots says the large majority of decisions are fully automated, with qualified applicants approved in minutes rather than the days a manual review typically takes, and edge cases routed to Two Dots' own US-based specialist team rather than the customer's leasing staff. Two Dots serves two verticals: multifamily property management, where it replaces the multi-vendor screening stack operators typically stitch together, and consumer lending, where a standalone document-extraction API pulls structured JSON data out of pay stubs, tax documents and broker statements with a per-document confidence score. It integrates with property management systems including Yardi and Entrata so screening results feed directly into existing leasing workflows. Two Dots is SOC 2 Type II certified and operates under FCRA and FHA regulation, which matters for operators that need an auditable, defensible decision on every applicant across a portfolio. Two Dots does not publish self-serve pricing; access is enterprise and sales-led through a booked demo, with existing customers signing in at a separate app.twodots.com portal. There is no free tier, mobile app or desktop client; the product is web-only and sold directly to property management companies and lending institutions rather than to individual landlords or consumers. The company has continued publishing original research on rental-application fraud patterns and the NOI impact of approval speed, positioning Two Dots as a specialist at the intersection of fraud prevention and underwriting rather than a general screening report provider like TransUnion SmartMove.

Pricing

No published pricing. Two Dots is sold directly to multifamily property managers and lending institutions through a booked sales demo, with rates negotiated per portfolio size and screening volume. No monthly subscription tier, per-screen rate card, or free tier is published.

Key Features

• Eve conversational underwriting agent: A single chat-style session handles identity verification, document collection, income and employment checks, and credit/criminal/eviction screening instead of routing applicants through 3 to 5 separate tools.
• Complex income handling: Natively processes gig, 1099, self-employment, benefits and multi-source income for the roughly 42% of multifamily applicants who don't fit a standard W-2 workflow.
• Multi-layered fraud detection: Combines document forensics (Photoshop and template-fraud detection), synthetic-identity checks and selfie-based identity verification, with each prevented fraud case estimated to save $10,000+ in bad debt.
• Document extraction API: A standalone API extracts data from pay stubs, tax documents and broker statements into JSON with a per-document confidence score, built for lenders that need straight-through processing with no human in the loop.
• Automated decisioning at scale: Returns an approve-or-deny recommendation for qualified applicants without manual review, escalating edge cases to Two Dots' own specialist team so they never land on a leasing agent's desk.
• Property management system integrations: Connects to Yardi and Entrata so screening decisions reach leasing teams without switching tools or re-entering applicant data.

Pros

• Two Dots' Eve agent approves qualified applicants in minutes, saving an estimated 6+ days of turn time per unit versus manual screening.
• Returns a decision faster than the 48-72 hour industry-average manual turnaround, without requiring leasing staff to read a static screening report.
• Backs its claims with its own published studies on rental-fraud patterns and how approval speed moves NOI, a depth of research most general screening vendors skip.
• Routes fraud and complex-income edge cases to Two Dots' own US-based specialist team, keeping the customer's leasing staff out of manual review entirely.

Cons

• No published pricing or self-serve signup; every prospective customer has to book a sales demo before seeing rates.
• Eve returns a recommendation, not a final decision, so leasing teams still have to interpret results and apply their own policy on edge cases.
• Built specifically for multifamily operators and consumer lenders; there is no version for individual landlords screening one or two units.

Visit Two Dots Official Website