Settl - One $99 rental passport. Apply to any home, pay once.

Hey Product Hunt 👋 — I'm David, founder of Settl. This one is personal. I work in real estate, and I kept watching the same broken thing happen: a renter pays $50 to apply for an apartment, gets screened, doesn't get it, and then pays another $50 at the next place. And the next. The screening report they paid for? It belongs to the landlord, not them. So they start from zero every single time. That always felt backwards to me. You paid for the credit pull, the background check, the income verification. Why don't you own it? So we built Settl. You get screened once through Plaid (credit, background, income), and that becomes a verified rental passport that belongs to you, valid for 30 days. One $99 payment, and you apply to as many homes as you want with it. Pay once, reuse everywhere. The timing matters too. Colorado just passed HB25-1236, which legally requires landlords to accept portable screening reports like ours. So this isn't just more convenient for renters, it's becoming the law. We think that wave spreads to other states, and we want renters to own their data when it does. Would love your feedback, especially from anyone who has felt the application-fee grind firsthand. What would make you trust a portable passport over re-applying each time?