See delinquency, renewals, and portfolio risk before they surface.
Machine-learning models on top of the HSI decision layer — forecasting 30/60/90-day delinquency, renewal probability, turnover risk, and portfolio-level heat maps you can act on early.
Portfolio-level intelligence is where behavior-first scoring compounds. When every applicant has a defensible HSI score and every lease has a payment history feed, the analytics layer above it can forecast risk with signal traditional credit-only screening never surfaces. Concept stage — production build sits behind the CRM.
Capabilities.
Delinquency forecast · 90 days
Probabilistic forecast of first-payment-missed events with 90% confidence intervals, broken down by property and cohort.
Renewal probability
Per-lease renewal likelihood scored 12–90 days before term expiration — driving proactive outreach and retention offers.
Turnover prediction
Which tenants are most likely to move on — separated from delinquency risk. Retention and re-leasing become two different playbooks.
Portfolio heat map
Property × quarter risk grid. Surface concentration risk before it becomes a distressed unit.
Executive dashboard
Occupancy, NOI, vacancy, delinquency, applicant pipeline, and conversion in one view designed for portfolio principals.
ML insights
Model-driven callouts ("delinquency risk elevated in Q3 for Building A") with the underlying feature attribution surfaced explicitly.
Built for enterprise operators.
Built on the HSI feature set
Predictive models inherit HSI's category features and audit trail — so forecasts are explainable, not black-box.
Fair-housing aware
No protected-class variables enter any model. Every forecast can be audited for disparate-impact risk.
Actionable, not vanity
Every metric ships with a suggested next action — no dashboard graveyards.
Where this is going.
Dates are directional. Enterprise pilot partners shape the sequencing.
- Feature engineering on live HSI data
- Baseline delinquency models
- Delinquency forecast v1
- Renewal probability v1
- Executive dashboard MVP
- Portfolio heat maps
- Turnover prediction
- Alerting webhooks
- Cohort behavior model
- Insurance risk overlay
- Financial forecasting
Run this against your live portfolio.
Enterprise pilots include a backtest on your historical applicants, a signed DPA, and a dedicated integration engineer.