Hamoc

Hamoc is a Mexican proptech platform that provides lease underwriting and management services for the residential rental market. Based in Miguel Hidalgo, Ciudad de México, the company addresses a critical challenge in Mexico's rental market by enabling tenants to rent properties without traditional guarantors (avales). Hamoc employs what it calls the "science of trust," utilizing an algorithmic scoring system called "rent score" to evaluate potential tenants. This proprietary algorithm assesses both the financial capacity and willingness to pay of applicants through analysis of their digital footprint, behavioral patterns, and other data points. The platform serves two primary customer groups: landlords seeking rental income guarantees and tenants who lack traditional guarantors. For landlords, Hamoc offers collection guarantees and payment management services, effectively reducing the risk of tenant default. For tenants, the platform provides rapid approval decisions, with nine out of ten applicants reportedly receiving rental approval within minutes. The company's technology-driven approach adapts credit underwriting methodologies from banking to the rental sector, creating tenant payment histories that previously did not exist in Mexico's informal rental market. Hamoc's services extend beyond simple guarantees to include comprehensive lease operations, payment management, legal assistance, collection services, and revenue management tools. The platform has been recognized among Mexico's top proptech startups and operates in a market where excessive bureaucracy and legal gaps have historically hindered rental market growth. Founded by Rodrigo Barrera Vivanco, the company positions itself as bridging the gap between institutional real estate development and the growing demand for rental housing among younger demographics and digital nomads.