The evidence behind behavior-first renter screening.
StabilityLogic publishes research on rental risk, credit inequity, and the behavioral signals most closely associated with tenant stability. Every model we ship is documented, versioned, and open to third-party review.
The rental scoring gap, in numbers.
Our current research agenda.
We're publishing a rolling series of working papers, methodology notes, and policy briefs. Enterprise pilot partners receive early drafts under NDA.
Why credit scores fail renters
A working paper on how legacy credit-based screening penalizes non-traditional applicants and mis-classifies stable payers as high-risk.
The HSI methodology
A technical overview of the 5-category weighted stability model, the Recovery Applicant Framework, and the payment-first scoring rewrite (v1.1.0).
Behavior-first risk in multifamily
How payment-behavior signals outperform credit tradelines when predicting 12-month delinquency in multifamily portfolios.
Fair-housing implications of AI screening
A plain-English guide to disparate-impact risk in algorithmic tenant screening — and how HSI's audit trail is designed to reduce it.
Housing recovery patterns
Longitudinal analysis of applicants transitioning from non-traditional housing (hotel, family placement, subsidized) into permanent lease-holders.
Household Stability Index™ — how the score is built.
HSI is a 0–100 index computed across five weighted categories. The current production version is v1.1.0 — Payment-First, released Feb 2026.
Working on rental risk research?
Academics, policy researchers, and enterprise partners — we're open to collaboration, data-sharing under NDA, and third-party audits of the HSI model.
Contact research team