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TENANT SCREENING PROCEDURES

TMG Protects Your Investment by Placing Quality, Long-Term Tenants

Is Your Tenant Screening Process as Comprehensive as it Should Be?

If not, we can help! 通过彻底筛选潜在租户,您的房地产投资将得到更好的保护. 在TMG,我们在寻找和保持高质量的长期租户方面拥有数十年的经验. Our screening process is comprehensive, so you can rest assured that your rental property is in good hands. Our screening criteria is outlined below.

Applications are processed as quickly as possible. The deposit approval decision can be made in 24-48 hours, 还有24小时的时间从资金到位后完全批准.

我们开发了一套计分系统,用以确定申请人租房的风险程度. 分数决定了申请人是否会被批准和存款的金额.

所有的成年人都必须在租约上,并接受检查.

The following situations result in immediate denial of a rental application:

  • A current, non-discharged bankruptcy action
  • Falsified information
  • Eviction less than five years (and not included in a bankruptcy)
  • Housing-related debt
  • A rental reference that would not re-rent for documented reasons
  • 任何需要终身登记为性犯罪者的罪行的定罪
  • 对于单一家庭和小型多户社区,信用评分为549或更低

SINGLE FAMILY & SMALL COMMUNITY PROPERTIES

Rental Criteria A (for homes $1800/mo or greater)
Minimum Credit Score: 650 (649 or below is an auto denial)

Rental Criteria B (for home $1799/mo or less)
Minimum Credit Score: 550 (549 or below is an auto denial) 

Under 549=6 points (auto denial)
50-649=3 points
650+=0 points
No score=3 points


MULTIFAMILY PROPERTIES WITH ONSITE MANAGEMENT

No Minimum Credit Score.

Under 500=6 points
500 649=3.5 points
650+=0 points
No score=3.5 points

Income Requirements

所有已婚人士或同居伴侣可将其总收入合起来,以符合每月租金的三倍要求.

每个室友的总收入必须至少是租金的3倍. However, 如果他们能提供租房证明,证明室友在一起住了至少12个月,并且按时交房租, 所有申请人的入息要求为每月收入总额中租金的三倍.

在小社区和管理地点的申请人可以结合他们的总收入满足2.5 to 3 times the rent amount (depending on site requirements).

Income Verification

申请人必须提供最近30天(或更久)内最近的工资存根, as necessary). Other income (i.e., retirement income, child or spousal support, self-employment, disability, 或社会保险),将需要90天的银行对账单,显示每月存款满足3倍的租金要求. We may also contact an employer or do a business search if necessary.

Roommate Clause for Multifamily Property with Onsite Management

If one roommate qualifies and another does not (too many points), 主要室友(完全符合条件的人)可以出租物业,而不符合条件的室友被列为有条件室友. An additional security deposit equal to one month’s rent will be required, in addition to normal security deposits, with the stipulation that if the qualified roommate moves, the conditional roommate would have to re-qualify on their own, find another qualified roommate, or vacate the property. 这是不允许有任何立即取消资格或没有通过刑事定罪标准的室友.

If an applicant does not meet the income guidelines, 如果信用评分在700或以上,直系家庭成员或监护人可以是共同签字人, 5 times the rent in monthly income, and accrue 0 points on the approval scale. 共同签署人必须通过信用、收入和居住历史背景调查. More than one co-signer is acceptable.

Deposits are 25-100% of the monthly rent amount. The amount of deposit required is determined by an applicant's point score. 

SINGLE FAMILY & SMALL COMMUNITY

Additional deposits, when applicable, will be assessed according to each individual’s credit screening report. All resulting deposits will be owed for the entire party, 对于通过旧版皇冠2020手机版办公室运行的单个家庭或小型社区财产的应用程序.

Rental Criteria A Sliding Scale
2 or less=Approved with original security deposit & fees.
3=Additional Security Deposit of 25% of one month’s rent.
4=Additional Security Deposit of 50% of one month’s rent.
5=Additional Security Deposit of 100% of one month’s rent.
6 or more=Application is denied.

Rental Criteria B Sliding Scale
2 or less=Approved with original security deposit & fees.
3=Additional Security Deposit of 15% of one month’s rent.
4=Additional Security Deposit of 30% of one month’s rent.
5=Additional Security Deposit of 100% of one month’s rent.
6 or more=Application is denied


MULTIFAMILY PROPERTIES WITH ONSITE LEASING

Additional deposits, when applicable, 通过现场租赁办公室进行的申请将根据当事人的最高风险评分进行评估.

Sliding Scale
3.5 or less=Approved with original security deposit & fees.
4-5.5=Additional Security Deposit of $200.
6-6.5=Additional Security Deposit of $400.
7 or more=Application is denied.

Roommates Clause for Properties with Onsite Management

If one roommate qualifies and another does not (too many points), 主要室友(完全符合条件的人)可以出租物业,而不符合条件的室友被列为有条件室友. An additional security deposit equal to one month’s rent will be required, in addition to normal security deposits, with the stipulation that if the qualified roommate moves, the conditional roommate would have to re-qualify on their own, find another qualified roommate, or vacate the property. 这是不允许有任何立即取消资格或没有通过刑事定罪标准的室友.

Additional Deposit for Lack of Rental History

任何不能获得至少12个月的引用(或多个引用的组合)的实例, 除了一般的保证金外,还需要交相当于一个月房租的保证金. Negative current or past reference items will incur one point each.

SINGLE FAMILY & SMALL COMMUNITY

Any non-medical, non-education (60 days past due or greater), collections, charge-offs, 和/或收回金额超过500美元将被视为负信用. An established credit score with two positive credit lines is favorable. 负信用将导致附加保证金,并遵循以下指导方针:

  • 5 or more Collection Accounts = 6 points (auto-denial)
  • 4 Collection Accounts=4 points
  • 2-3 Collections Accounts or No Score=3 points
  • 0-1 Collections Accounts=0 points

If bankruptcy is present but discharged or dismissed, +1 point each.

If No Score or more information is needed, full approval may be required to accept your Deposit to Hold.

TMG will check rental or mortgage history for the previous three years. 租户的名字必须是具有法律约束力的租约或非亲属或相关个人的贷款至少12个月. We reserve the right to consider references that may exceed that time frame.

任何不能获得至少12个月(或多个引用的组合)的引用的实例, a deposit equal to one month’s rent will be required, in addition to regular security deposits. Negative current or past reference items will incur one point each.

任何罪行的性质会对业主或租客的财产或健康造成不利影响, safety, 或和平享有房屋的权利将会被考虑. 我们不会考虑没有定罪或删除记录的先前逮捕.

如有下列任何一项被定罪,便可作为驳回租务申请的理由:

  • Felonies involving:
    • Murder
    • Manslaughter
    • Arson
    • Rape
    • Kidnapping
    • Child sex crimes
    • Manufacturing or distribution of a controlled substance
  • Felonies not listed above (in the last seven years) involving:
    • Drug-related crimes
    • Person crimes
    • Sex offenses
    • Financial fraud, including identity theft and forgery
  • Misdemeanors (in the last five years) involving:
    • Drug-related crimes
    • Person crimes
    • Sex offenses
    • Domestic violence
    • Violation of a restraining order
    • Stalking
    • Weapons
    • Criminal impersonation
    • Possession of burglary tools
    • Financial fraud crimes
  • Misdemeanors not listed above (in the last three years) involving:
    • Theft
    • Criminal trespass
    • Criminal mischief
    • Property crimes

如果申请人符合所有其他标准,并在公共记录检索前提交证明文件,我们将对申请人的定罪情况进行个别评估, 或申请人因不符合这些刑事标准而被拒绝,并已提交书面请求和证明文件. Supporting documentation may include:

  • Letter from parole or probation office
  • Letter from a caseworker, therapist, counselor, etc.
  • Certifications of treatments/rehab programs
  • Letter from employer, teacher, etc.
  • Certification of training completed
  • Proof of employment
  • Statement of the applicant

我们将考虑减轻因素的相关个体化证据,其中可能包括:

  • Facts or circumstances surrounding the criminal conduct
  • Age of the convicted person at the time of the conduct
  • Time since the criminal conduct
  • Time since release from incarceration or completion of parole
  • 个人在被定罪或行为之前或之后保持良好的租客记录的证据
  • Evidence of rehabilitation efforts.

我们可能会要求更多的信息,并可能会考虑在这个过程中是否有多次定罪. 我们将在收到所有所需信息后的合理时间内通知申请人我们的审查结果.

如果该物业允许宠物,宠物必须是一个合格的品种和大小得到批准. An additional pet security deposit, pet non-refundable fee, and pet rent (typically per pet) may be due. Typically, two pets of up to 35 lbs. full-grown are allowed. 

No property will allow any dog of a perceived vicious breed (or a mixture thereof); e.g.:

  • Akita
  • Pit Bull or American Staffordshire Terrier
  • Bull Terrier
  • Bullmastiff
  • Chow
  • Doberman
  • Rottweiler
  • German shepherd, etc.

Please see our Pet Policy for further information.

Upon move-in, and through the duration of the tenancy, all tenants must provide proof of renters insurance, which includes a minimum of $100,000 legal liability for damage to the landlord’s property, TMG被指定为附加被保险人(华盛顿)或利害关系方(俄勒冈). 租客可以向他们选择的保险代理人购买所需的保险. If proof of renter's insurance is not provided, 这个家庭将加入房东责任保险,并在每个月的月初自动收取费用.

For more information, visit our page about Renters Insurance.

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