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Clara vs. Cozy: The Best Tenant Screening Tool for Independent Landlords

Finding a reliable renter is a major challenge for landlords. A good tenant pays on time and takes care of the property. A bad tenant can cause financial problems and stress. Fortunately, tenant screening platforms like Clara and Cozy (now Apartments.com) can help.

If you manage 5-10 properties and want to avoid issues, choosing the right platform is important. This guide compares Clara and Cozy (Apartments.com) in detail. We'll look at their features, strengths, and how they match up with your needs. We'll focus on ease of use, verification capabilities, pricing, and mobile access.

This comparison will help both experienced and new landlords choose the best platform to simplify tenant selection and improve screening accuracy.

Overview of Clara and Cozy Tenant Screening

overview tenant screeniing

What is Clara?

Imagine stumbling upon that one sleek, innovative gadget you didn't even know you desperately needed - that's Clara. It's not just another tool; it's a modern tenant screening platform purpose-built just for us.

Clara is here to streamline the entire rental application and tenant verification process, saving you precious time and effort. It's all about ensuring transparency and rock-solid reliability, so you can feel truly confident about who's moving into your property. With a user-friendly experience and powerful verification tools, Clara helps you make those confident decisions about potential tenants, all from the palm of your hand.

Key Features of Clara:


What is Cozy (now Apartments.com)?

Remember Cozy, that friendly brand we all knew and loved? Well, it made the big leap! Back in 2018, Cozy was acquired by Apartments.com, and its tenant screening services have been integrated into the much larger Apartments.com platform.

Now, this transition has brought us a robust suite of tools designed to help us DIY landlords streamline rental management. Many of Cozy's most-loved features are still happily intact, so it's not like the old friend just vanished. However, this shift means the focus has broadened a bit from just us independent landlords to a wider property management audience. 

Key Features of Cozy/Apartments.com:

Feature-by-Feature Comparison

Application Process & User Experience

Clara: Offers a streamlined application process optimized for both landlords and tenants. The user-friendly design allows landlords to review applications from anywhere, while tenants can easily complete forms on their smartphones. Clara's interface is intuitive, requiring minimal technical expertise - perfect for independent landlords who don't have extensive tech infrastructure.

Cozy/Apartments.com: Since transitioning to Apartments.com, the application process has become more complex. The platform is primarily designed for desktop use, making on-the-go management more challenging. While comprehensive, the interface can be overwhelming for landlords managing just a handful of properties.

"Clara's user-friendly approach saved me hours of work. I could screen tenants while showing other properties, making decisions faster and filling vacancies quicker." - Michael R., Independent Landlord

Identity and Income Verification

clara vs cozy

Credit and Background Checks

Clara: Partners with TransUnion to provide comprehensive credit reports, including scores, payment history, and financial red flags. Background checks include national criminal history, eviction records, and sex offender registry searches. Reports are presented in an easy-to-understand format with clear recommendations.

Cozy/Apartments.com: Also offers credit and background checks, but the reports are less detailed and can be more difficult to interpret. The platform doesn't provide the same level of analysis or recommendations, leaving more of the evaluation work to landlords.

Pricing and Transparency

Feature Clara Cozy/Apartments.com
Basic Screening Cost $49 per applicant $39.99 per applicant
Who Pays Tenant only Tenant only
Income Verification Included (real-time) Basic (document upload)
Hidden Fees None Varies by service
Report Sharing Unlimited for 30 days Limited to 10 landlords

Clara: Offers transparent, flat-fee pricing with no hidden costs. Landlords can choose to cover screening costs or pass them to applicants. All features are clearly explained with no surprise charges.

Cozy/Apartments.com: Since transitioning to Apartments.com, the pricing structure has become less transparent. While basic screening is tenant-paid, additional services often come with extra fees that aren't always clearly communicated upfront.

Mobile Accessibility and Support

Clara: Built with a user-friendly approach, Clara allows landlords to manage the entire screening process from their smartphones. The responsive design works seamlessly across all devices, and the dedicated mobile app provides push notifications for new applications and completed reports.

Cozy/Apartments.com: While accessible on mobile devices, the experience is essentially a scaled-down version of the desktop site. The interface isn't optimized for smaller screens, making it cumbersome to navigate on smartphones.

Pros and Cons Summary

Clara Advantages

  • Real-time income and identity verification reduces fraud risk
  • Mobile-first design is perfect for on-the-go landlords
  • Transparent pricing with no hidden fees
  • Intuitive interface requires minimal tech knowledge
  • Faster screening results (typically within hours)
  • Fair Housing-compliant application templates

Cozy/Apartments.com Limitations

  • Clunky transition from Cozy to Apartments.com
  • Manual document verification is time-consuming
  • Desktop-oriented interface limits mobility
  • Less intuitive for independent landlords
  • Slower verification process (24–48 hours)
  • Requires listing on the Apartments.com network

Overall Rating Comparison

Real-World Application: How Clara Saves Time

how clara saves time

To understand the practical difference between Clara and Cozy/Apartments.com, let's look at a typical tenant screening scenario for an independent landlord with 7 properties:

Clara Process
1
Landlord sends application link to prospective tenant (1 minute)
2
Tenant completes application and connects financial accounts via Plaid (10 minutes)
3
System automatically verifies income and identity (instant)
4
Credit and background checks process (1–2 hours)
5
Landlord receives comprehensive report with recommendations (instant)
6
Total time: 1–2 hours
Cozy/Apartments.com Process
1
Landlord sends application link to prospective tenant (1 minute)
2
Tenant completes application (10 minutes)
3
Tenant uploads income documentation (10–30 minutes)
4
Landlord manually reviews documentation (15–30 minutes)
5
Credit and background checks process (12–24 hours)
6
Total time: 12–48 hours

The time difference is significant, especially when screening multiple applicants for a vacancy. Clara's automated verification process not only saves time but also provides more reliable results by eliminating the potential for document manipulation.

Frequently Asked Questions

Can I use Clara or Cozy without listing my property on their platforms?
Clara: Yes, Clara's tenant screening services are completely independent of any listing platform. You can use Clara solely for tenant screening without listing your property anywhere.

Cozy/Apartments.com: Since Cozy's migration to Apartments.com, new users are required to list their properties on the Apartments.com network to access the full suite of screening tools, which may not be ideal if you prefer to market your properties through other channels.
How quickly are screening results available with each platform?
Clara: Most screening reports are available within 1–2 hours after the applicant completes their portion. Real-time income verification is instant.

Cozy/Apartments.com: Screening reports typically take 24–48 hours to complete, and income verification depends on how quickly you can manually review the uploaded documents.

Conclusion: Why Clara is the Better Choice for Independent Landlords

For independent landlords managing 5-10 properties, the choice between Clara and Cozy/Apartments.com comes down to efficiency, reliability, and ease of use.

Clara consistently outperforms in these critical areas:

  • Time savings: Clara's real-time verification and streamlined process can save you hours per applicant
  • Fraud reduction: Direct financial account connections provide more reliable verification than document uploads
  • Mobile accessibility: Clara's user-friendly approach fits perfectly with the on-the-go nature of property management
  • Pricing transparency: Clear, upfront pricing with no hidden fees or surprise charges
  • Flexibility: Options for who pays for screening, and no requirement to list on any specific platform

While Cozy was once a strong contender in the independent landlord space, its transition to Apartments.com has shifted its focus away from the needs of smaller property owners. Clara has stepped in to fill this gap, providing a purpose-built solution that addresses the specific challenges faced by independent landlords.

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