Rental Approval Criteria

Background | Credit | Rental History

Our Screening Process

  • Applications are processed in the order they are received with all required documents and information
  • An application cannot be approved until all aspects of the screening policy have been completed and reviewed by the property manager
  • Housing is on a first-come, first-served basis, therefore we do not hold units until the application is approved and a deposit payment is made
  • When an application is approved or denied, we will contact you
  • Denied applicants will also receive an “Adverse Action Letter” via email to the email address listed on the application explaining why the application was denied

Income Requirements

  • Each applicant is required to provide two (2) months of paystubs from employer as proof of income. 
  • If employment is to begin shortly, applicant must provide an offer letter on company letterhead
  • If applicant lists another source of income, they are required to provide proof of that income
  • Self-employed applicants – must submit previous years filed tax return for income verification
  • If an applicant does not demonstrate the ability to pay rent based on their income, a cosigner may be required (see Guarantor Requirements)
  • If a Guarantor is not available, the applicant may pay the entire lease term at move-in to be approved.

Credit Requirements

  • Credit score must be at least 600
  • If applicant has "no credit score", a positive landlord reference may be used instead. Applicant must still meet all other criteria shown here.
  • Monthly income must be at least two and a half times the monthly rent amount
  • No bankruptcies or foreclosures within the past 2 years.
  • No more than 3 accounts in collection
  • No more than $1,250 past due debt (medical bills and student loans disregarded).
  • No evictions within the past 7 years.
  • No outstanding utility collections or unpaid utility bills
  • No balances owed to any prior Landlords

Criminal Requirements

  • No Sex-Offenders subject to lifetime registration on the Sex Offender Registry
  • No criminal convictions related to the manufacture and/or distribution of a controlled substance
  • Per HUD criminal screening guidelines, no criminal history "that indicates a demonstrable risk to resident safety and/or property"

Section 8

  • All screening criteria is the same except that Monthly income must be at least equal to the monthly rent amount

Guarantors 

  • Credit score must be at least 700
  • No more than one item in collection
  • No more than $500 past due debt (medical bills and student loans disregarded)
  • No bankruptcies or foreclosures within the past 7 years
  • If no guarantor is available, prepayment of all rents and deposits for the entire lease period is required in order to be approved

City of Kalamazoo

  • Evictions will be carefully considered based on the amount of time since an actual eviction and the reason for the eviction. 
  • For Section 8, monthly income must be at least equal to the amount required to pay for utilities. 

We are an Equal Housing Opportunity Provider

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