<p>Fraud and bad debt are connected, but not identical. In this episode of <em>Tech Talk with 20for20</em>, Dom Beveridge speaks with <strong>Steve Carroll</strong> (<a href="https://www.findigs.com/"><em>Findigs</em></a>), <strong>Kyle Nelson</strong> (<a href="https://snappt.com/"><em>Snappt</em></a>), and <strong>Nate Thompson</strong> (<a href="https://www.morgan-properties.com/"><em>Morgan Properties</em></a>) about how fraud drives bad debt, and how smarter policies, metrics, and market awareness can keep both under control.The panel explores:</p><ul><li><strong>Where they overlap:</strong> Many evictions stem from fraud, but some bad debt comes from life events or overly rigid screening policies.</li><li><strong>Better policies:</strong> One-size-fits-all rules like “three times rent” don’t work everywhere. Operators are using local data to fine-tune risk and approval criteria.</li><li><strong>Evolving fraud patterns:</strong> Organized fraud targets fast-growing lease-ups in Sunbelt markets—but is spreading into new regions through “fraud-as-a-service.”</li><li><strong>Friction vs. experience:</strong> Post-pandemic systems block more fraud but can frustrate honest renters. Smarter “fast-lane” screening helps balance both goals.</li><li><strong>Measuring success:</strong> Early payment behavior—especially in the first 90 days—is the best leading indicator of fraud and future bad debt.</li></ul><p><strong>Sponsors for this episode:</strong></p><p><a href="https://westernreporting.com/"><u>Western Reporting</u></a>, resident screening and income verification by <a href="https://inhabit.com/"><u>Inhabit</u></a></p><p><a href="https://www.eliseai.com/"><u>EliseAI</u></a>, AI-driven automation that helps streamline communications and improve operational efficiency.</p><p>To get access to the latest 20for20 articles, papers and news about forthcoming events, subscribe to our blog at <a href="http://20for20.com"><u>20for20.com</u></a>.</p><p>Connect with Dom Beveridge (Principal, 20for20) via <a href="https://www.linkedin.com/in/dombeveridge/"><u>LinkedIn</u></a>, or email to <a href="mailto:[email protected]"><u>[email protected]</u></a>.</p><p>The takeaway: analyze evictions, act on your data, and never lose sight of the renter experience. “You can eliminate delinquency,” says Nate Thompson, “but you’ll eliminate occupancy too if you’re not careful.”</p><p><br></p><p><em>Our theme, “Beautiful Geometry” by </em><a href="https://freemusicarchive.org/music/Phish_Funk/"><em>Phish Funk</em></a><em> is licensed under a </em><a href="https://creativecommons.org/licenses/by-nc/3.0/"><em>Attribution-NonCommercial 3.0 International License</em></a><em>.</em></p>
