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Credit History:

• Two (2) favorable trade lines established for 1 year required for residency. However, if derogatory credit history (excluding medical & student loan debt) is in excess of $500 an increased deposit -OR- cosigner may be requested. A discharged bankruptcy within the last 3 years and/or paid rental debt to a landlord may require an increased deposit -OR- cosigner.
• Final recommendation will also be contingent on income, rental & employment history.

Rental History:

• Valid rental history is a written lease or month-to-month agreement. 12 months verifiable rental history.
• If rental history is less than 12 months then an increased deposit -OR- cosigner may be requested.
• Final recommendation will be contingent on credit history, income and employment.

Income:

• Monthly income must be equal to at least 3 times the rental amount
• If income is less than 3 times the rental amount then an increased deposit -OR- cosigner may be requested. Final recommendation will also be contingent on rental, credit & employment history.

Employment:

• 12 months with current employer or previous employment in same field of work
• Final recommendation will also be contingent on rental & credit history and income

COSIGNER CRITERIA:

• If the cosigner does not meet any 1 of the following criteria then the cosigner will not qualify.
• RENTAL HISTORY: 1 year of verifiable rental or mortgage history with no late payments
• CREDIT HISTORY: At least 4 favorable accounts in good standing for 1 year with less than $1000 in derogatory credit EMPLOYMENT: 12 months with current employer
• INCOME: 4 times the rental amount of the unit in verifiable income

GROUNDS FOR DENIAL WILL RESULT FROM THE FOLLOWING ON ALL APPLICANTS:

• Verified eviction showing on credit report or confirmed with landlord. Rental collection verified on credit report and/or balance owing to landlord Open (non-discharged) bankruptcy
• 3 or more late payments and/or NSF checks and/or noise complaints within a 12-month rental period. Unverifiable social security number
• Falsification of rental application
• Breaking lease agreement that will result in collection filing
• CRIMINAL HISTORY - Verified name and date of birth match of the following criminal convictions within the last 7 years from final disposition (release from incarceration, probation or parole):
• Murder (1st and 2nd degree) Kidnapping (All counts)
• Manslaughter (1st degree) Theft (1st & 2nd degree)
• Assault (1st, 2nd & 3rd degree) Burglary (1st, 2nd degree & vehicle prowling 1st degree) Robbery (1st & 2nd degree) Malicious Mischief (1st degree)
• Rape (All counts) Arson (1st, 2nd degree & Reckless Burning 1st degree)
• Child molestation (All counts) Delivery or Sale of illegal substance(s) (All counts)
• Rape of a child (All counts) Possession with intent to deliver illegal substance(s) (All counts)
• Any outstanding criminal warrant Any Terror Related Activity
• Any criminal conviction which results in a registered sex offender requirement and/or any sex offender registry requirement.
• A criminal records search will be performed for felony and misdemeanor offenses. All felony and misdemeanor offenses must be disclosed on the rental application.

Valid Photo Identification will be required of all applicants.