Cozy vs Zora

Zora is a more rounded tool made to handle the whole lifecycle of rentals. Here’s why you should consider switching…

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What’s the biggest difference between Cozy and Zora? Our philosophy. Let’s walkthrough the rental process and how we’re different….

Target Customer

Cozy was really designed for one type of customer in mind. Landlords with only a couple of units. If you have one property you’re probably safe to use Cozy. Otherwise, you might want to think about Zora.

Finding Applicants

How do you find great tenants? You screen a lot of applicants.

How do you find a lot applicants? You post your vacant property on as many listing sites as you can.

But doing this yourself can be tedious and time consuming. That’s where Zora comes in. Once you’ve added your property and made it available for rent we push it to all the top listing sites like Craigslist, Zillow, Hotpads, Padmapper, Kijiji and more.

Cozy posts it to and The only issue with this is that there are only two sites that really matter in the United States when it comes to finding applicants; Craigslist and Zillow. They generate the majority of the leads for our landlords.

Zora vs Cozy

Screening Your Tenants

While both Cozy and Zora were created by landlords to scratch their own itch, we also bring years of industry experience to the table beyond owning just one or two units.

Time and time again we went through the traditional screening process of references, background checks and credit checks. And time and time again, we ended up with bad tenants. No matter how good they looked on paper bad tenants kept on sneaking through.

That’s why we created the Z score. The Z score looks at 80 different socioeconomic and demographic variables to determine how risky an applicant really is. We’ve been able to lower our landlord’s default rates by 48%.

The average default rate in the U.S. is approximately 10%. That is on average 1 out of every 10 tenants will default on their rent. On average this will cost you up to $5,000 dollars. What this means for you is that using Zora and the Z score we’ll be able to save you $2,500 on average compared to using a company that relies on the credit check alone.

Once they are a Tenant

We know that finding good tenants is really hard and once you’ve found them you want to do everything you can to keep them.Tenant turnover can cost you over $1,600 in lost rent and repairs. Your unit can also sit vacant for over 45 days.

That’s why we’ve built a suite of tools to help you better communicate with your tenants and manage your relationships with them. We’ve created an audible messaging tool that allows you to track and download conversations with tenants in case you ever need a log of what’s been said.

Having your tenants stay for as long as possible is the easiest way to make more money.

In our opinion, once you’ve found a tenant Cozy is most useful for one thing - collecting rent. They do a few things but at their core they’re a payments processing company. They take a cut of every rent payment that goes through their system. That’s their bread and butter.


What we’re here to do is make your life easier, so you can focus your time on what you do best. And if you save some money along the way know one’s going to complain right?

One last thing. We love answering questions, talking about the real estate industry, and improving Zora where we can. You’ll find us friendly and responsive. Oh, and super helpful - we hope that goes without saying. So hit us up with your questions. We’re ready to solve them, pronto.

It’s always a good idea to test-drive your options before you make up your mind. That’s why we offer a Free Plan. Best of all getting set up takes less time than ordering a cup of coffee.

Free property management software

Still have questions? Just click that chat widget in the bottom right-hand corner of this screen.

We hope to see you soon.