1: I am or was the property owner for part or all of the last three years, so did not have a landlord then: What do I need to do? Nothing. If we need supporting documents we will let you know. 2: I have been living with a relative or friend during some of the last 3 years. Can I still apply? YES, but if the average time of all co-applicants living with relative or friend are over 18 months
and any one's FICO (Transunion) score is below 725 then you will need to get a guarantor (cosigner)
who has FICO (Transunion) score of 725+ and whose income is at least three times the rent.
AND for units that require a 650 credit score your security deposit will be twice the amount of the
monthly rent. After 12 months of consecutive on time payments you will receive a credit of one
month's rent, to reduce the security deposit by that amount.2.5 The person I rent from is not the landlord, can I still apply? Yes. Follow clause#2 above 3: I was or am in the military, do I need to provide a landlord reference for that time? NO 4: Must I include on my application, residence history for the last three years? YES 5: What happens if my landlord does not answer all your questions? We will use the same rules as if you had been living with a relative or friend (see #2 above) 6:. Can I just give you a copy of my signed rental agreement as proof of residency or rent receipt? NO. You need to add your landlord information on your application 7: I paid my rent late a lot of times. Does it matter? YES: See LINK 8: I received provided free accommodation (not from a friend or relative), for example by my employer, or an agency that helps those who have nowhere to live, can I apply. YES.Enter that information as your landlord. 9: My landlord served me notices that I was in violation of my rental agreement (other than rent payment: Can I still apply? NO, if the Fico score required for the property is 650 but otherwise, you can have had only one complaint10: I did not get all my security deposit back from my previous landlord, can I still apply?. YES: As long as the deductions were less than $400 otherwise, a cosigner with a Fico score over 725 will be required 11: I have been living in a hotel for some of the last three years. Can I still apply? YES: Add the hotel information when you apply under the section for "landlord" 12: I was homeless for some of the last three years. Can I still apply? YES: Add on your application the dates you were homeless 13: I have an eviction can I still apply? See LINK |