PMI of Tree City – Rental Qualification Standards
All applicants are evaluated using PMI of Tree City's standard screening and qualification criteria. Approval is based on the overall application and may include the following:
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Income
Gross household income must equal or exceed 3× the monthly rent.
All income used to qualify must be verifiable. Acceptable documentation may include pay stubs, bank statements, tax documents, employment verification, benefit statements, offer letters, or other reliable documentation.
Self-employed applicants must provide sufficient documentation to verify qualifying income.
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Credit
The minimum standard credit score is 620.
Credit history will also be reviewed for material adverse information relevant to the applicant's financial ability to meet rental obligations, including outstanding landlord-related debt.
Applicants who do not meet the standard credit requirement will be evaluated under PMI of Tree City's established conditional-approval criteria.
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Rental History
Rental history will be evaluated using available and verifiable information from current and/or previous housing providers and screening records.
PMI of Tree City considers:
- Rent payment history
- Material or repeated late payments
- Returned payments
- Material lease violations
- Outstanding landlord balances
- Property damage beyond ordinary wear and tear
- Compliance with prior rental agreements
Applicants who do not meet the standard rental-history requirements will be evaluated according to PMI of Tree City's established conditional-approval or denial criteria.
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Evictions and Landlord-Related Debt
Verified eviction history, unpaid rental balances, landlord-related collections, and housing-related judgments will be evaluated under PMI of Tree City's established screening criteria.
An eviction filing alone will not automatically result in denial. Available information regarding the disposition and circumstances of the case will be considered where required or appropriate under applicable law.
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Criminal Background Screening
Applicants are subject to criminal background screening where permitted by law.
Criminal history does not automatically result in denial.
When criminal history is considered, PMI of Tree City evaluates the nature and severity of the conduct, the amount of time that has passed, and its relevance to resident safety, property, or tenancy in accordance with applicable law and established screening criteria.
An arrest alone will not be treated as proof that criminal conduct occurred.
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Employment and Income Verification
Income used to qualify must be reasonably verifiable.
PMI of Tree City accepts verifiable lawful sources of income and applies its income standards consistently in accordance with applicable law.
Failure to provide sufficient documentation to verify required qualifying income may result in denial.
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Occupancy Standards
Occupancy limits are determined by applicable property-specific requirements and federal, state, and local housing, health, safety, and occupancy requirements.
Occupancy standards are applied consistently and in accordance with applicable fair housing requirements.
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Pets and Assistance Animals
Applicants must complete the applicable PetScreening profile required as part of PMI of Tree City's application process, including applicants without household pets.
Household pets are subject to property-specific pet policies, PetScreening results, applicable deposits or fees, and monthly pet rent.
Assistance animals are not pets and are evaluated separately in accordance with applicable fair housing and reasonable accommodation requirements. Approved assistance animals are not subject to pet rent, pet fees, or pet deposits.
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Application Fee
A $50 application fee is required for each adult applicant.
Application fees are non-refundable once application processing or screening has begun, except where otherwise required by law.
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Identity Verification
Each applicant must successfully complete identity verification and provide acceptable identification when requested.
Failure to successfully verify identity may result in denial of the application.
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Co-Signers and Guarantors
PMI of Tree City accepts co-signers or guarantors only in accordance with its established guarantor qualification standards.
A guarantor must independently satisfy PMI of Tree City's applicable income, credit, identity, and screening requirements.
Acceptance of a guarantor does not waive other applicable qualification requirements unless specifically provided under PMI of Tree City's established screening standards.
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Conditional Approval
Applicants who do not satisfy a standard qualification requirement will only be considered for conditional approval when they meet PMI of Tree City's established conditional-approval criteria.
Where permitted by law, conditional approval may require:
- An increased security deposit;
- A qualified guarantor; or
- Another condition specifically authorized under PMI of Tree City's established screening standards.
Conditional requirements are determined using the same standards for similarly situated applicants and are subject to applicable law.
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Reasonable Accommodations
PMI of Tree City considers requests for reasonable accommodations related to disabilities in accordance with applicable fair housing requirements.
Applicants who require a reasonable accommodation related to the application, screening, documentation, or qualification process may submit a reasonable accommodation request to PMI of Tree City.
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Fair Housing and Equal Opportunity
PMI of Tree City provides equal housing opportunities.
Applications are evaluated without discrimination based on race, color, religion, sex, national origin, familial status, disability, or any other characteristic protected by applicable federal, state, or local law.
PMI of Tree City's qualification standards are applied consistently to similarly situated applicants.
Important Application Notice
Satisfying one qualification requirement does not independently guarantee approval. Applicants must satisfy PMI of Tree City's applicable qualification standards as a whole.
Applications are evaluated based on verified application information, established screening standards, lawful property-specific requirements, and applicable law.
Applications may result in approval, conditional approval, or denial according to PMI of Tree City's established screening standards.
When information contained in a consumer report contributes to an adverse decision, PMI of Tree City will provide any notice required by applicable law.