> For the complete documentation index, see [llms.txt](https://help.rentzap.com/help-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.rentzap.com/help-docs/getting-started/meet-your-underwriting-team.md).

# Meet Your Underwriting Team

At Rentzap, we don’t just give you software, we give you a team.

Every application you send through Rentzap is reviewed by trained professionals who combine automation, human judgment, and legal expertise to ensure every decision is fast, fair, and compliant.

***

## Who Reviews Applications?

Your applications are reviewed through a structured process that combines **AI precision** with **human expertise**. Here’s how our team is organized:

* **Processors**\
  These are your front-line reviewers who handle about 90% of applications. They:
  * Handle all communication with applicants
  * Collect and verify documents and data
  * Flag any complex, unclear, or suspicious situations
* **Head of Underwriting**\
  Oversees the entire processing team and steps in when judgment or nuance is required. Responsibilities include:
  * Handling escalations
  * Making complex decisions
  * Ensuring quality control
  * Acting as the final authority on borderline cases
* **Legal / Attorney Network**\
  Our legal partners are available for specialized scenarios involving:
  * State-specific regulations
  * Fair housing compliance
  * ADA and reasonable accommodation requests
  * Unusual or high-risk circumstances

***

### Team Training & Expertise

We invest heavily in training to ensure every reviewer upholds Rentzap’s standards for accuracy, fairness, and compliance.

**Our team completes:**

* **Fair Credit Reporting Act (FCRA) Training**
  * Legal use of credit reports
  * Adverse action procedures
  * Consumer rights and data handling
* **Fair Housing Training**
  * Protected classes
  * Disparate impact awareness
  * Reasonable accommodation protocols
* **Underwriting Training**
  * Income verification methods
  * Document authentication
  * Risk assessment and criteria application
* **Ongoing Development**
  * Weekly team reviews
  * Case study discussions
  * Legal updates and quality control sessions

***

### Team Hours & Coverage

We operate 8 **hours per day, 7 days per week**, with coverage even on most holidays (excluding Christmas and New Year’s Day).

**Response times:**

* **Business hours:** Usually within hours
* **Evenings:** Next morning
* **Weekends:** Same day or next day
* **Holidays:** May be slightly delayed

***

### Why This Matters

Most screening tools stop at automation. We go further to give you a **real underwriting team** that ensures every decision meets your standards and stands up to scrutiny.