Income

Income-to-Rent Ratio (Garnishable income or Housing assistance such as Section 8)

Decision

Total Monthly Income of Applicant(s)

Approved

At least 3 times monthly rent

Approved with co-signer or increased security deposit

At least 2.5 times but less than 3 times monthly rent

Automatic denial

Less than 2.5 times monthly rent

Credit History

No Credit File/Score

Approve with increased security deposit or co-signer

Credit Score

Decision

Score

Approved

520 or higher

Approved with co-signer or increased security deposit

475 - 519

Automatic denial

474 or lower

Bankruptcies

Decision

Bankruptcies

Automatic denial

Any open bankruptcies

Approved with co-signer or increased security deposit

Any discharged bankruptcies within the last 3 years

Accounts in Collection

Decision

Accounts in Collections

Approved with co-signer or increased security deposit

2 or more accounts in collection with a minimum of $875.00 owed per account

Automatic denial

4 or more accounts in collection with a minimum of $875.00 owed per account

Rental History

Evictions (Judgments Only)

Decision

Evictions

Approved with co-signer or increased security deposit

Any eviction judgments within the last 3 years

Automatic denial

Any eviction judgments within the last 1 year

Criminal History

Felonies

Decision

Crimes

Automatic denial

Any alcohol offenses within the last 7 years

Automatic denial

Any criminal mischief within the last 7 years

Automatic denial

Any dishonesty/fraud within the last 7 years

Automatic denial

Any driving under the influence offenses within the last 7 years

Automatic denial

Any drug possessions within the last 7 years

Automatic denial

Any drug trafficking/manufacturing within the last 7 years

Automatic denial

Any marijuana possessions within the last 7 years

Automatic denial

Any marijuana trafficking/manufacturing within the last 7 years

Automatic denial

Any other drug offenses within the last 7 years

Automatic denial

Any other crimes against persons within the last 7 years

Automatic denial

Any other crimes against property within the last 7 years

Automatic denial

Any other crimes against society within the last 7 years

Automatic denial

Any financial non-violent offenses within the last 7 years

Automatic denial

Any non-violent offenses within the last 7 years

Automatic denial

Any sexual offenses within the last 7 years

Automatic denial

Any violent offenses within the last 7 years

Automatic denial

Any weapon offenses within the last 7 years

Misdemeanors

Decision

Crimes

Manual review required

Any criminal mischief within the last 3 years

Manual review required

Any dishonesty/fraud within the last 3 years

Manual review required

Any driving under the influence offenses within the last 2 years

Automatic denial

Any drug possessions within the last 3 years

Automatic denial

Any drug trafficking/manufacturing within the last 7 years

Manual review required

Any marijuana possessions within the last 4 years

Automatic denial

Any marijuana trafficking/manufacturing within the last 7 years

Automatic denial

Any other drug offenses within the last 3 years

Automatic denial

Any other crimes against persons within the last 7 years

Automatic denial

Any other crimes against property within the last 7 years

Automatic denial

Any other crimes against society within the last 7 years

Manual review required

Any non-violent offenses within the last 2 years

Automatic denial

Any sexual offenses within the last 7 years

Automatic denial

Any violent offenses within the last 7 years

Automatic denial

Any weapon offenses within the last 7 years

Registries

Decision

Registry

Automatic denial

Listed on sex offender registry

Automatic denial

Found in OFAC/terrorist database records