CREDIT & RENTAL CRITERIA

General policies

• All properties are non‑smoking & pet‑free. A service dog is welcome.

• Renter’s insurance is required.

• All utilities must be in the names of the tenants listed on the lease.

• Properties are for residential use only. Business use, commercial activity, & subletting are not permitted.

• Each occupant 18 years or older must submit a separate application. All adults are considered lease holders & share financial responsibility.

• Only approved applicants may reside in the property. Unauthorized occupants are grounds for lease termination.

​

Proof of identity

All applicants must complete identity verification through TransUnion. Applicants who cannot be verified will be denied.

submit:

1. valid driver’s license or state identification

2. social security card or certified copy

​

Criminal background & public records

All background reports are reviewed.

Applications will be automatically denied for:

• any felony conviction

• any misdemeanor conviction involving violent crimes

​

Credit score & report

All credit reports & scores are reviewed.

• 600+ preferred

• 599 & below: may be eligible at the landlord’s discretion with the following:

  1. three years of verifiable rental references showing no late rent & no issues of any kind

  2. increased security deposit(s) may be required at the landlord’s discretion

Applications will be denied for:

• unpaid balances owed to previous landlords

• broken leases, unpaid lease fees, damages, or similar issues

• unpaid utility bills

• open or active bankruptcies

• federal tax liens

Rental & mortgage references

Provide three (3) years of rental &/or mortgage history with complete contact information. References will be contacted by email to complete a written verification form.

Rental

• applicant listed as a lease holder with financial responsibility

• compliance with lease terms, payment history, including any late payments

• property condition & cooperation with repairs

• no unauthorized pets or occupants

Mortgage

• applicant listed on the deed, mortgage, & credit report

• payment history verified & reported on the credit report

Eviction records

Applications will be denied for:

• eviction filings within the past 5 years

• eviction related judgment involving rental or real estate transactions within the past 5 years

Income & employment verification

Monthly household net income must be at least 2.5× the rent amount & may be combined with co‑applicants.

​

Submit the following based on employment type:

hourly, commission, or salaried

1. past two months of current pay stubs

self‑employed

1. personal tax returns for the past two years (business returns not accepted)

2. past two months of personal bank statements (business statements not accepted) showing a balance that meets the income requirement each month

new job or relocation

1. offer letter on company letterhead with verifiable contact information

2. past two months of personal bank statements showing a balance that meets the income requirement each month

supplementary monthly income

1. award letter or statement from the issuing agency