River Garden 2 Apartments
Market Resident Qualifying Criteria
In order to assist you with your decision on your new home, we are providing this list of requirements we use to qualify applicants for residency in this community. Revisions to the Resident Qualifying Criteria may be implemented from time to time. Nothing contained in these requirements shall constitute a representation that all residents and occupants currently residing in our community have met or currently meet these guidelines.
Fair Housing Statement
We are committed to compliance with all federal, state, and local fair housing laws. We do not discriminate against applicants based on race, color, age, religion, national origin, sex, familial status, disability, sexual orientation, gender identity, marital status, source of income or any other legally protected classification or status. We will consider requests for reasonable accommodations based upon a disability. We will consider reasonable modification of existing premises, which may be at the expense of the person requesting the modification.
Each applicant is required to pay a non-refundable application fee (check or money order, no cash) for third-party background and credit screening reports that will be performed by CoreLogic. The cost of the application fee is $26 per applicant.
Each applicant must be at least 18 years of age and must complete an application. Once the application(s) are complete, there are three steps required to confirm your eligibility.
Background and Credit Screening
Your credit screening and background check will be completed by CoreLogic. Inc, applying credit and background screening requirements in place for the property. In the event of a denial of tenancy or other adverse action resulting from the credit screening and/or background check, you have the right to dispute the accuracy of the information included in the report. You may request a copy of the credit and background screening report from CoreLogic at Safe Rent Solutions, LLC, Consumer Relations P.O. Box 3890 Coppell, TX 75019. By phone: +1 (888) 333-2413. If there are inaccuracies in the background report or mitigating circumstances that you wish to be considered, you may present the information to the property manager for further review and request an appeal within 14 days of the determination.
CoreLogic provides consistent review of relevant applicant information. CoreLogic will consider the following factors in your rental scoring: Credit history and ability to pay, debt load, payment behavior, collection accounts, bankruptcies, Landlord/Tenant filings, and consumer subprime credit.
In addition to the CoreLogic score, if an applicant has been evicted in the past 48 months, the application will not be approved; if an applicant has discharged bankruptcy judgements or foreclosures within the prior 24 months, the application will be scored as conditional, if the CoreLogic score has not disqualified the applicant. Previous landlord debt or unpaid utility account debt must be paid in full in order to be considered for conditional approval. Conditional approval may require an additional security deposit.
Covid-19 and Disaster impact consideration. Any applicant may share, in good faith, a written statement of two hundred words or less explaining that the applicant has experienced financial hardship resulting from a state or federally declared disaster or emergency and how that hardship impacted the applicant's credit, employment, or rental history.
Criminal Background Check
All applicants will be screened through the third-party screening agency CoreLogic.
1. The property will deny admission to applicants with household members who have any of the following criminal convictions or status:
2. Applicants will be screened for felonies with a 7 year look back period and misdemeanors with a 3 year look back period. Records flagged by CoreLogic will be subject to further review.
Individuals who have records flagged will be subject to further review and the applicant may provide additional information and details about mitigating circumstances. Mitigating circumstances will include:
Information provided by the applicant will be further reviewed and final determination will be made about the applicant’s approval or denial. The further review questionnaire for the applicant is attached and made a part of this qualifying criteria.
Rental Rates and Minimum Income Limits:
Members of the household must have a combined verifiable gross income in an amount not less than 2.5 times the rental rate. Failure to meet the minimum income guidelines for any of the unit types may result in a denial of your application.
Current employment income and other sources of income such as alimony, child support, retirement income, commissions or tips will be used to calculate minimum income qualifications. In the event the applicant is self-employed or a member of the household, written verification of prior income (such as tax returns) may be required. If applicant or a member of the household is starting a new job, the future position and salary must be verified in writing by the employer.
For applicants that utilize voucher assistance, the minimum annual income requirement will not apply.
Members of the household (except dependent minors) whose combined verifiable income is between 2.00 and 2.49 times the rental rate may be able to qualify with an increased deposit.
After your background and credit screening have been approved and your minimum income has been verified, you will be contacted by the property and will have 72 hours to pay the required security deposit amount. If you do not pay the deposit within that time frame, the unit reserved may be released to others. After security deposit is paid and applied, any cancelation by the applicant before move in will result in forfeiture of full deposit.
Prior to viewing an apartment home, you must have a valid form of government issued photo identification. A valid form of identification shall include one of the following: Driver’s License, Military Identification, a Passport, or government issued photo identification.
We allow a maximum of 2 animals per apartment; acceptable animals include domestic cats, birds and dogs, each with a nonrefundable pet fee per animal. The following breeds, irrespective of size and weight, are not permitted in this community: Chow-Chow, Doberman, Pit Bull (also known as: American Staffordshire Terrier, American Pit Bull Terrier, Staffordshire Bull Terrier), Rottweiler, and wolf-hybrids. All other animals are prohibited, including, but not limited to, snakes, ferrets, iguanas, potbelly pigs, rabbits, and insects. These restrictions and deposit requirements do not apply to qualified service or assistance animals.
The property has adopted a no smoking policy. Smoking is not permitted in the units or in the common areas of the community.
The maximum occupancy guidelines are two persons per bedroom. If federal, state or local laws, ordinances, guidelines or requirements conflict with our guidelines, federal, state or local laws, ordinances guidelines shall apply.
To coincide with our Emergency Transfer Policy for victims of Domestic Violence, Dating Violence, Sexual Assault, or Stalking, we give a preference to any current resident who has completed and approved Emergency Transfer Request and/or Emergency Transfer Certification of Domestic Violence. This policy is directly adapted from the Violence Against Women Act of 1994 (VAWA) which is a federal law (Title IV, sec. 40001-40703 of the Violent Crime Control and Law Enforcement Act, H.R. 3355) and HUD Final Rule [Docket No. FR-5720-F-03] RIN 2501-AD71.