Canadian landlords cannot pull everything. Credit checks need consent. Employment letters go unanswered. Bank statements fill the gap with proof of deposits.
Ask for three months of PDFs. Verify monthly income near three times rent. Check balances cover rent day with room left.
Ontario and BC rules differ on deposits and fees. Keep one standard for every applicant: same multiple, same documents, same verification.
Red flags travel across provinces. Zero-balance rent days. Overdraft chains. Cash deposits with no payer. Short-term credit before payday.
Convert PDFs to Excel for side-by-side comparison. Run unclear files through a bank statement analyser for income totals and a fraud score.