Renter's Guide
Move confidently with less stress.

Rental Application Criteria

We want to make the application process stress-free and approve your application quickly. Before we begin, collect the following documents:

• Driver's License or government-issued Photo ID
• Smartphone to complete ID verification
• Bank website login information (Bank Connect is required)
• 2-months Pay Stubs
• Vehicle Registration
• A credit card to pay the application fee

Please note: You must submit all requested documentation before the underwriter will begin to process your application. Failure to provide all documentation now, at the time of application, risks your application and non-refundable application fee. Please help us help you by submitting all documentation promptly. For the best experience, we recommend completing the application on a desktop computer or laptop. Thank you!

RESIDENT SELECTION CRITERIA

Your application will be evaluated based on the following criteria: (versión en español)

1. All Adult occupants 18 or older must submit a fully completed, dated, and signed residency application and fee. Applicants must provide proof of identity. A non-refundable application fee is required for all adult applicants. Applicants may be required to be approved by a condo/homeowner’s association and pay an additional application fee or additional security or damage deposit.
2. Applicants must physically reside in the dwelling for which they are applying. Applicants must disclose all persons who will be occupying the unit. All persons 18 years of age or older must be a leaseholder and qualify for the unit with the applicants.
3. DTI < 50%: Applicants must have a combined gross income (including rental income, alimony, child support, investment dividends, etc.) of at least two times their combined monthly expenses (including proposed rent, current mortgages, car loans, credit card payments, alimony, child support, etc.). We reserve the right to require a co-signer. A minimum of two years of residential rental history is required.
4. Credit history and or Civil Court Records must not contain slow pays, judgments, eviction filing, collections, liens, or bankruptcy within the past five years.
5. Credit scores of each applicant (specifically, the TransUnion FICO 9 score) must be above 650.
6. Bank records must show at least three months' rent in cash reserves. Non-liquid investment accounts, retirement accounts, or custodial accounts do not qualify.
7. Self-employed applicants must provide your most recent federal tax return (Form 1040) and the most recent 12 months' business bank statements. Non-employed individuals must provide verifiable proof of income.
8. All sources of other income must be verifiable if needed to qualify for a rental unit.
9. Criminal records must contain no convictions for misdemeanors for crimes involving violence, assault or battery, manufacturing or distribution of controlled substances, firearms, and no sexual offenses. Convictions for felonies will be reviewed on a case-by-case basis. In the event a record comes back “adjudication withheld,” “nolle prosse,” or “adjudication deferred,” further documentation may be required, and applicants may be denied on this basis.
10. Previous rental history reports from landlords must reflect timely payment, sufficient notice of intent to vacate, no complaints regarding noise, disturbances, or illegal activities, no unpaid NSF checks, and no damage to unit or failure to leave the property clean at the time of lease termination.*
11. Pets of any kind (except for medically necessary animals for the benefit of the occupant(s)) are not permitted without specific written permission of landlord in the lease document, an addendum to lease, a non-refundable pet fee, and a monthly pet admin fee. Fees and deposits are waived for medically necessary animals. Tenants must complete a pet application for each pet or attest they have no pets.
12. Applicants will be required to pay a security deposit at the time of lease execution in a minimum amount of one month’s rent. We reserve the right to require a higher security deposit.
13. The number of occupants must not exceed two persons per bedroom.
14. Vehicle registration addresses must match the current or prior address of applicant.*

*FAST TRACK OPTION: For highly-qualified applicants with credit scores above 750, and 4x rent in cash reserves, we waive the requirement for prior landlord verification of rent and vehicle registration.

TERMS AND CONDITIONS

Any exceptions to the above criteria will need to be submitted in writing for consideration. If such exceptions are approved, additional security deposits, co-signers, and/or additional advance rent payments may be required.

Our company policy is to report all non-compliances with terms of your rental agreement or failure to pay rent, or any amounts owed to the credit bureau and a collection agency. If the amount is disputed, it shall be reported as disputed in accordance with the law.

We do business in accordance with the Federal Fair Housing Law. We do not discriminate against any person because of race, color, religion, sex, sexual orientation, national origin, familial status, or disability.

IMPORTANT THINGS TO KNOW

HOA Approvals: If the home is governed by a Homeowners Association (HOA) you may also be required to submit a separate application and wait for approval by the HOA board before your lease can start. If this is a requirement, we'll guide you through the process, but know that approval timelines for HOA's vary and are out of our control.

Sample Lease: Click here to review a sample of our lease agreement.

Credit Reports: Eaton Realty pulls credit, background, and eviction data through TransUnion who prohibits the sharing of data.

Pets: Review our full Pet Policies here. Eaton Realty requires a separate pet application to be completed per pet, or certification that you have no pets. Every applicant must complete the pet screening process, even if you have no pets. You will complete this later in the application process at https://eatonrealty.petscreening.com. Service animal verification could take 5 days or longer, depending on the responsiveness of your medical provider to validate your documentation.

Resident Benefits Package: If this home is managed by Eaton Realty, you'll receive exclusive benefits of our Resident Benefits Package.

Renters Liability Insurance: If this home is managed by Eaton Realty, renters liability insurance is required. We'll enroll you in our group policy unless you already have a policy that meets the lease requirements.

Refund Policy: All application fees are considered 100% non-refundable.

Section 8 / Housing Vouchers: Properties managed by Eaton Realty do not accept Section 8 Housing Vouchers.

Non-US Citizen Applicants: Depending on the country, foreign background checks may take from 3 days to 3 weeks to process and require additional fees. Due to the competitive nature of the rental market and our obligation to treat all applicants fairly, the property will not be reserved exclusively for you while your foreign background check is being processed. If another applicant who has completed their application and background check is ready to rent the property before your foreign background check comes back, we may proceed with their application. If your application is subsequently approved, you may move your application to a different property within 30 days.

Fees: Leasing a home from Eaton Realty may require any or all of these fees. (versión en español)

Please Note: EACH applicant over the age of 18 must apply. Invite additional applicants by adding their email address after you begin. Application fees are non-refundable.