Thabo Mokoena
12 Rooibok Street, Centurion, Gauteng · Rent R8,500/mo
APPROVE
AI Risk Score
18
/100
LOW RISK
Net Monthly Income
R32,400
Avg over 3 months · stable
Rent Requested
R8,500
26% of net income
Income Cover Ratio
3.8×
Income to rent · recommended ≥2.5×
Avg Closing Balance
R19,240
Consistent, no cash-out months
Cashflow Over Time
Salary stable across all 3 months. Expenses predictable. No irregular spikes detected.
Jun
Jul
Aug
Net income
Total expenses
Positive Signals (5)
Consistent salary deposits
Same employer credit on the 25th each month (R32,400 ± 2%)
No bounced debit orders
Zero NSF or returned debits detected over analysis period
No payday loan activity
No repayments to short-term or payday lenders detected
Stable closing balance
R18,200 – R20,100 closing range, no cash-out pattern
Regular debit order history
Established payment pattern (vehicle finance, medical aid, insurance)
Risk Signals (1, Low severity)
Single undeclared cash deposit (Jul)
R4,500 cash deposit on 14 Jul not matching salary pattern. Isolated, not a trend. Low weight.
No gambling transactions · No overdraft usage · No irregular large withdrawals · ID checksum valid · No irregular income sources
AI Checks
SA ID Checksum
VALID, Luhn checksum passed (format check only)
AI Red Flag Scan
CLEAN, no red flags detected in the AI analysis
AI Risk Classification
LOW, based on income, expenses and payment patterns
AI Assessment Summary
Thabo Mokoena presents as a low-risk applicant. Net income of R32,400/month against a requested rent of R8,500 gives a cover ratio of 3.8×, well above the recommended 2.5× minimum and the 30% rent-to-income benchmark for this rent level.
The bank statement shows three months of consistent salary credits from a single employer, stable closing balances with no cash-out pattern, and zero bounced debit orders. No payday loan activity, gambling transactions, or overdraft usage was detected.
One low-weight anomaly noted: a single undeclared R4,500 cash deposit on 14 July 2026. Isolated occurrence, not part of a pattern. Recommended follow-up: ask the applicant to account for it at lease signing.
AI Recommendation: APPROVE
Strong financials. Follow up on the single cash deposit before or at lease signing. You retain full discretion on the final decision.
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