Rental Criteria

1. Residence History:

• We look at your last 2 years of residency for positive, verifiable, history. We ask your landlords about late payments, NSF checks, warrants, complaints, and condition of the property when you left. We also verify that notice has been given and that you did not leave with a balance due or collection account. If you leased from an apartment community, they usually require written notice from you before they will verify your history.
• Have you owned a home and paid a mortgage?
• The payment history will be on your credit report and we will not have to call the lender.

2. Employment & Verifiable Income:

• Do you have verifiable income of 3 or more times the monthly rent?
• We will contact your employer to verify your position, income and length of time with the company. If your employer will not verify your income over the phone, you can show 2 recent original pay stubs to quicken this process and we will photocopy them for the application. If your recent employment is a new job, you can show an original offer letter on letterhead to verify income and we will photocopy it for the application.

Are you self-employed?

If you are self-employed, instead of pay stubs you can provide the following: (1) 2 banking statements showing deposits and monthly balances for each month, (2) a copy of a most current year's tax return with an accountant's signature, or (3) 1 or more 1099's showing income for contract work.

Do you have other sources of verifiable income?

Social Security, retirement or pension, trust funds, disability payments, substantial savings accounts, spousal or child support, and second jobs may be considered acceptable sources of income when written verification is available. Tips or cash paid income can only be counted toward the gross income with verification from the employer in writing.

Can we combine our income?

A married couple's income is combined to qualify for this requirement. If income is short of this requirement, a qualified cosigner may be used to offset income if credit and residency is acceptable.

3. Credit History:

• Payment history, the amount of debt and amount of credit available is generally revealed in your credit report. Applicants with scores above 600 that meet income and residency requirements generally are approved with security deposits as advertised. Applicants that have weak credit scores, recent bankruptcies, collections or slow payment history generally can be approved, but may be required to pay higher security deposits after evaluation of income and residency. If you know you have bad credit, be prepared... you may need to pay a deposit in the amount of 2 months' rent or more to offset the risk to the owner.
• No evictions in the past 4 years, No eviction filings in the past 4 years.
• No foreclosures in the past 4 years
• No judgments from landlords in the past 4 years
• No past due balances owed to a previous or current landlord.
• No bankruptcy filings within the past four years. Multiple bankruptcy filings with dismissals will result with an automatic denial. No active Chapter 13 bankruptcies.
• Positive and verifiable rental history for the past 2 years (no more than 3 late payments in a year, no negative feedback from landlord)
• Debt-to-income ratio of 50% or less: monthly debt servicing must be less than half of your Net income.

**Overall credit history is reviewed. Multiple charge and write offs, multiple collection accounts, and multiple late payments will result with an automatic denial regardless the credit score.

4. Other Requirements:

• Valid photo identification, either a state driver's license or state photo identification card is required with the application.
• Valid Social Security Card, or Resident Alien Card, Work Visa or Passport is required to show legality in the United States.
• All adults (18 and over) are required to be on the application and the lease with the above identification provided. Children, ages 17 and under do not have to provide social security numbers on the application, but we do require the names and birth dates if they are to occupy the premises.
• A larger Move-In Payment or a Qualified Co-signer may offset weak credit or new employment. These are the costs incurred when applying for a rental or lease purchase.
• Applicant cannot be convicted of a felony or have lengthy or recent arrest history, (past 3 years)
• A criminal background check is performed on all applicants.

At Time of Application:

Non-Refundable Application Fee of $40 for each adult applicant payable online or in office.

*Upon approval of your application, the security deposit & a signed lease are required to take the property off the market. 50% of this deposit is refundable minus any monies for repairs at time of move-out.*

The full first month's payment is not due until possession is taken.

You can apply online using our secure online application.

At Time of Move-In:

Move-In Payment: The move-in payment is usually one month's rent (depending on credit), payable at move-in only with certified funds or money order (50% is considered a processing fee and is non-refundable).

Pet Fee: There is an additional fee required depending on the number of pets. The pet deposit is generally $500.00 each for the first two pets and is non-refundable. (Max $1000). There will also be a $100 per pet per month fee. Failure to obtain written consent for a pet will result in immediate eviction as a breach of contract.

Admin Fee: Upon execution of lease and before move in date, a $40.00 Processing/Admin Fee will be due. This is a non-refundable fee and is required to be paid upon move in along with first month rent.

Renter's Insurance: All renters are responsible for renter's insurance. The policy number and company information is due within one month of move-in. Renters can sign up through their online tenant portal or obtain individual renter's insurance coverage.

Important note: The following breeds are not allowed: Pit Bull, Doberman, German Shepherd, Rottweiller, Chow, or any mix of these breeds.