PropCheck was built by someone
who saw the problem firsthand.
Tenant screening in South Africa is still manual. Agencies scroll through bank statements page by page, do the maths in their heads, and hope nothing important is buried on page three. One missed payday loan or a declining balance trend and you’ve placed a tenant who can’t pay. That one placement costs you more than a year of professional screenings would have.
The problem with how it’s done today
South African letting agencies face a specific version of this problem. Bank statements come in as password-protected PDFs, different formats for every bank, sometimes three months across three separate documents, sometimes 6 months in one. The agent reads through them, eyeballs the income line, checks if the rent is roughly affordable, and makes a call.
What they miss is predictable. Short-term loan repayments appear as debit orders buried across different pages, easily mistaken for medical aid or insurance. Declining balances (someone whose income looks stable but whose closing balance has dropped by R8,000 over three months) require doing the maths across pages. Bounced debit orders are the single strongest predictor of a future problem tenant, and they’re scattered through the statement as one-line reversals that look like any other transaction.
Existing tools don’t fix this. TPN tells you what happened in the past (previous landlords, payment history, judgments). It doesn’t see inside the bank account. Someone can have a clean TPN record and be maxed out on payday loans today. PayProp is a rent collection platform. It manages money after the lease is signed, not before. What the industry is missing is something that reads the actual bank statement, right now, and tells you what’s in it.
What PropCheck does
PropCheck reads the bank statement PDF (from a South African bank, password-protected or not, as long as it is the bank’s own text PDF and not a scan) and runs the full analysis: income verification, affordability against the proposed rent, payday loan detection by name and by pattern, bounced debit orders, balance trend, gambling transactions, other red flags, SA ID checksum. It produces a risk score (0–100), a clear APPROVE / REVIEW / DECLINE verdict, and a full breakdown of every finding with the actual numbers from the statement.
A standard 3-month statement takes about a minute. The PDF is parsed locally in your browser. The file never leaves your machine. What gets sent for AI analysis is extracted text only. The report can be shared via WhatsApp to a landlord or colleague in one tap, printed, or kept on file.
PropCheck isn’t trying to replace professional judgment. It’s trying to make sure the person exercising that judgment has seen the full picture, not just what’s on page one.
Why it exists
I’m Nkhuluko, a self-taught developer in South Africa. I built PropCheck because the problem is real and the existing tools don’t solve it. Tenant screening deserves proper analysis, not a manual scroll through a PDF and a gut call.
This is built to be used by letting agencies across South Africa, from Centurion to Cape Town, from single-agent boutiques to large property management firms. The pricing reflects that: from R149 per screening (or from R1,500/month for agencies screening regularly), which is a fraction of what a bad placement costs.
If you’re a letting agent who’s ever had a tenant turn out to be a problem, or if you’re just tired of scrolling through bank statements, PropCheck is built for you. You can see a full live report before signing up for anything.
No pitch required.