• Must provide a government issued Identification with Photo and SSN

Credit Report

• Must have a minimum credit score of 650
• Must have two or more acceptable credit references (credit card, car loan, etc.) within the last 3 years
• Cannot have other outstanding monthly credit payments in excess of 30% of gross monthly income (excluding rent)
• No repossessions, collections, or judgements for unpaid bills
• No non-discharged bankruptcy in the last 7 years
• No late credit card or loan payments in the last 12 months

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 at least 2 year of steady employment (cannot have frequent or large gaps in employment in the last 12 months)

Criminal Report

• Cannot be charged or convicted of a felony
• Cannot have a misdemeanor for an act-of-violence, drugs, or sex offense

Co-Signer Application

• Must be "complete"
• Cannot have false or misleading information
• Must have current and correct contact information for employment history.