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 |
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 |
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 |
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 |
Decision |
Registry |
Automatic denial |
Listed on sex offender registry |
Automatic denial |
Found in OFAC/terrorist database records |