• Must provide copy of drivers license or other government issued Identification with photo

Credit Report

• Credit score must be at least 650
• Other outstanding monthly credit payments cannot exceed 40% of gross monthly income (excluding rent)
• Credit score of less than 650 may be allowed if income and other criteria is good (owner's discretion)

Income

• Gross monthly income must be 4x monthly rent
• Must show proof of income

  • Last 3 pay stubs if income based on employment
  • Letter of employment with stated salary if relocating to this area for a job
  • Most recent Tax Return if self-employed
  • Proof of Monthy Social Security, pension, disability, or other allotment and/or sufficient funds in a sustained savings/retirement account if unemployed or retired

Employment (if Income is based on employment)

• Must have steady employment for the last 12 months (no frequent or large gaps in employment)

Criminal Report

• No felony (charged or convicted)
• No misdemeanor for an act-of-violence, drugs, or sex offense (charged or convicted)

Co-Signer Application

• Must be "complete"
• No false or misleading information
• Must have current and correct contact information for employment and rental history