EIV Reconciliation — 15-Day Clock, 5-Year Lookback, Automated
June 26, 2026
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author:
Anja McKinley
David Brown
Matt Hoskins

Match EIV against the TIC the moment the report drops. Generate the resolution packet, log the 5-year lookback, close the discrepancy before HUD asks.

Starts at $4/unit/month. No 50-unit minimum.

What is EIV reconciliation?

EIV reconciliation is the process of matching every NDNH wage record and SSA benefit hit returned by HUD's Enterprise Income Verification system against the household's reported income on the most recent TIC, then resolving discrepancies inside the 15-day clock HUD enforces under 24 CFR §5.233. A missed discrepancy can trigger a five-year HAP-subsidy claw-back at the next MOR.

What ExactEstate does for EIV

Ingests the EIV income discrepancy report the moment your authorized user runs it. Cross-checks every NDNH wage record and SSA benefit hit against the household's reported income within seconds. Generates the resolution packet — third-party verification request, household notification letter, and re-examined TIC — pre-filled from the EIV record with the 5-year lookback already computed. Tracks the 15-day clock per discrepancy with escalation alerts at day 10 and day 13.

How EIV reconciliation works

  1. EIV income discrepancy report drops.
  2. ExactEstate matches every NDNH and SSA hit against the household's TIC and the 5-year history, ranking discrepancies by HAP-recapture exposure.
  3. Resolution packet generated — verification request, tenant letter, and re-examined TIC routed in one click. Discrepancy closes with a SEMAP-ready audit trail before the 15-day clock expires.

Audit trail

Every EIV discrepancy resolution writes to an append-only audit log indexed for SEMAP review. Frozen EIV report snapshots, resolution packet artifacts, and the 5-year-lookback calculation are linked to the originating discrepancy so an MOR or 9834 auditor can trace every closed record back to the underlying EIV hit.

Pricing

Starts at $4/unit/month. No 50-unit minimum. EIV reconciliation, 5-year lookback, and resolution packet are included — not premium-tier features.

FAQ

What is the 15-day EIV clock?

HUD enforces a 15-day window from the EIV income discrepancy report to resolution under 24 CFR §5.233. Resolution means a third-party verification has been received and the TIC re-examined. Missed clocks trigger MOR findings; missed discrepancies trigger five-year HAP-subsidy claw-backs. ExactEstate tracks the clock per discrepancy with day-10 and day-13 escalation alerts.

See a full EIV reconciliation cycle

Watch a live EIV reconciliation cycle in 12 minutes — discrepancy ingest, 5-year lookback, resolution packet, audit trail.

Book a demo →

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