Most rental scams succeed for one reason: the tenant pays before verifying. Here are the seven documents that protect you — every single one is non-negotiable.
- Title document — C of O, R of O, or Deed of Assignment proving the landlord owns the property.
- Landlord ID — government-issued, matched against the title.
- Tenancy agreement — full draft, read before payment.
- Receipt of last rent — proves the property isn't double-let.
- PHCN bill — confirms the address is real and current.
- Utility / service charge statement — exposes hidden recurring costs.
- Agency authorisation letter — if you're going through an agent, demand the landlord's written authorisation.
If a landlord or agent cannot produce any of these on demand, walk. There is always another flat.
