Self-employed people can prove income using bank statement analysis. Instead of a pay stub, you submit 1–6 months of bank statements (PDF upload or Plaid connection), and SoloSteady analyzes your real deposits to calculate verified monthly income. You receive a professional PDF letter with a unique verification URL that landlords, lenders, and property managers can independently check.

Yes. Bank statements are one of the most widely accepted forms of income proof for self-employed applicants. Most landlords and property managers accept bank statement-based income verification when you don't have pay stubs. SoloSteady makes this stronger by producing an AI-analyzed summary letter with a verifiable URL — not just raw statements.

A verified income letter is a professional document that summarizes your monthly income based on third-party analysis of your bank activity. Unlike a pay stub template that you fill in yourself, a verified income letter is generated from real bank data and includes an independent verification URL that anyone can visit to confirm the document is authentic.

Yes. Most landlords and property management companies accept bank statement-based income verification for self-employed tenants, especially when the verification comes with an independent third-party confirmation URL. SoloSteady's verification URL lets landlords check the authenticity of a letter without calling or emailing you.

Most SoloSteady reports generate in about 90 seconds after you upload your bank statements or connect your bank via Plaid. You'll review the analysis before anything is finalized, then receive your downloadable PDF letter and shareable verification URL within minutes.

Yes. Bank statements and raw transaction data are encrypted in transit and at rest, never shared with third parties, and permanently deleted within 24 hours of processing. Plaid handles bank credentials directly — your login never touches SoloSteady's servers. Only aggregated income totals are retained, and your verification letter stays in your account for as long as you want.

Yes. SoloSteady is specifically designed for freelancers, gig workers, and self-employed contractors, including Uber drivers, DoorDash couriers, Instacart shoppers, Upwork freelancers, and Stripe/Square sellers. Your platform payouts and client payments are recognized as earned income during analysis.

Pay stub generators let you type any number into a template — landlords have no way to verify the numbers are real. SoloSteady analyzes your actual bank deposit history and produces a document with a unique verification URL that third parties can independently confirm. The difference is third-party verification from real bank data versus self-reported numbers on a template.

SoloSteady offers a Standard Report for $14.99 and an Enhanced Report for $24.99. Both are one-time payments with no subscription. The Enhanced Report adds a detailed income breakdown, multi-month trend analysis, and an extended verification page.

No. SoloSteady does not run credit checks, query credit bureaus, or affect your credit score. We only analyze the bank transaction data you provide — either through uploaded PDF statements or a direct Plaid bank connection you authorize.