Income verification
3x rent minimum using payroll APIs, employer VOE calls, and bank statements. Self-employed renters submit 2 years of returns.
Resident selection
How we screen applicants
North Texas delinquency rates stay low when you pair data with local judgment. Here’s the exact framework we follow before approving any resident.
Credit review
Full tri-merge report with minimum 600 FICO target. We inspect tradelines, late payments, and debt-to-income trends instead of relying on score alone.
Rental history
Contact the last two landlords to confirm payment timeliness, property condition at move-out, pets, and HOA compliance history.
Eviction & civil search
Nationwide eviction records plus JP court filings covering all Texas counties.
Criminal screening
National, state, and county-level background check with Fair Housing–compliant lookback periods. Automatic escalation for violent or drug-related convictions.
Employment stability
Tenure at current job, industry volatility, and verification of contract/remote roles.
Fraud prevention
ID selfie matching, document forensics, and Plaid-style bank verification to catch altered pay stubs or fake employers.
Pet profile
Use third-party pet screening for vaccination records, breed verification, and pet lease addenda.
Conditional approvals
Case-by-case approvals may require higher deposits, owner reserves, guarantors, or mandatory enrollment in our rent guarantee program.
Communication cadence
Every applicant receives a decision inside 48 hours with documented reasons to stay compliant with Fair Housing.
Automation + human review
We leverage Tenant Turner + in-house analysts. Automation catches obvious red flags; humans dig into context (temporary employment, relocation, medical collections). Every approval or denial is logged for compliance and future renewals.
Need a PDF version?
Download the printable tenant screening checklist we use internally.
Download PDF →