liv.mx is a Mexican property technology platform that provides rent insurance and legal protection for residential landlords. The company combines tenant screening, digital lease agreements, and a legal policy that covers property recovery and overdue rent collection if a tenant defaults. Its platform is designed for real estate agencies, independent advisors, and property owners seeking to reduce rental risk without requiring a traditional guarantor.
Funding
Funding not disclosed
Founders
Product
Problem
Traditional rental practices in Mexico often require property owners to demand a guarantor who puts up their home as collateral, which excludes many otherwise reliable tenants. This reliance on a single individual's assets creates a barrier to rental approval and leaves landlords exposed to financial loss and legal costs if a tenant defaults on payments or damages the property.
Solution
liv.mx provides a comprehensive platform that combines tenant screening, digital lease agreements, and an integrated legal protection policy to secure residential rentals. The service uses an AI-driven Liv Score to analyze a candidate's credit history, employment status, and legal background, allowing landlords to approve more renters without requiring a property-owning guarantor. If a tenant stops paying, the Rent Insurance covers the lost rent, while the Lease Legal Policy funds the legal process to recover the property and collect overdue payments, with no out-of-pocket legal expenses for the owner. The platform also offers customizable payment distribution between landlord and tenant, making the service flexible for all parties involved.
Target Audience
Primary customers are real estate agencies, independent property advisors, and individual property owners in Mexico who want to streamline tenant screening and protect their rental income. The platform also serves landlords managing short-term rentals, lease renewals, or tenants without an existing contract.
Features
- AI-powered Liv Score that combines identity verification, credit bureau data, employment history, and criminal background checks into a single reliability rating
- Digital lease agreement with legal validity under NOM-151, including immediate termination clauses, breach penalties, and no renewal rights for tenants
- Rent Insurance that pays the landlord if the tenant defaults, with coverage issued by a regulated Mexican insurer
- Legal protection policy covering property recovery, overdue rent collection, and all court costs from approximately $3,500 MXN per operation
- Centralized dashboard for real estate agencies to manage multiple rentals, assign operations, and track tenant status across their portfolio
- Flexible payment options allowing the landlord, tenant, or both parties to cover the investigation and policy costs