RENTAL APPLICATION AND UNIFORM RENTRAL SCREENING CRITERIA NOTICE

EQUAL HOUSING OPPORTUNITY

This community does not discriminate based on race, color, sex, religion, disability, familial status, sexual orientation, national origin, ancestry, age, marital status, source of income, medical condition, gender, gender identity, gender expression, genetic information, immigration status, citizenship, primary language, military or veteran status, domestic or sexual violence victim status, or any arbitrary basis. Each applicant will be accepted or rejected after reviewing the applicant’s specific application and conducting an individualized assessment based on our uniform screening criteria.

QUALIFICATION FOR RESIDENCY

Full-time students (graduate and undergraduate students) must provide a current university ID or acceptance letter for lease term and complete the rental application in its entirety.
All other individuals over the age of 18 who will occupy the apartment must complete the rental application in its entirety and will be evaluated jointly based on the criteria listed below.  All information may be verified by UCH Campus Apartments.

Any applicant without a Social Security number must provide copies of their visa, passport, Form I-20, Form I-94, and/or Form I-9, as requested.

Qualification for residency at UCH Campus Apartments is evaluated based on income, credit/rental history, and criminal history. All three factors are equally considered, and applicants must meet all three standards independently for final qualification. Applicants can provide context regarding income, credit, eviction, or criminal history, which will be reviewed on a case-by-case basis.

If an applicant is rejected or conditionally accepted based on their credit history, they will receive an Adverse Action Letter that includes the contact information of the credit-reporting agency. Applicants may dispute the information or seek reconsideration within 48 hours by providing evidence that the information is incorrect or prohibited, as well as any mitigating circumstances. Examples of mitigating circumstances include:

-History of on-time rental payments
-Circumstances of prior eviction where no rent was owed
-New or increased income
-Letters of recommendation from employers or landlords
-Changes in circumstances that would reduce the likelihood of reoccurring lease violations

CREDIT/RENTAL HISTORY
Credit and rental information are evaluated as part of the qualification process. A rental score is calculated based on your payment history, length of payment history, account status, number of accounts, write-offs, collections, and any bankruptcies.

Positive payment history, such as consistent payments on trade lines (e.g., credit card accounts, loans, mortgages) is weighed against negative accounts (e.g., collections, bankruptcies). A greater number of positive accounts leads to a favorable score, while negative payment history results in a lower score.
An adverse score alone is not grounds for disqualification. If your total negative debt is below ${500.00}, you will not be disqualified based on the score.

Landlord-tenant judgments may affect your score but are not automatic grounds for disqualification. Only unsatisfied judgments from the last four years will be considered, except for cases during the COVID period (3/1/2020 to 8/31/2021).

INCOME REQUIREMENTS
To qualify, monthly rent should be no more than 30% of gross monthly pay (or {2.7} times for conditional qualification). Income must be verified before approval. Only verifiable income will be accepted, and undocumented income (such as cash deposits) will not be considered. Acceptable verification documents include:

-2 most recent pay stubs
-Signed offer letters from new employer (if have not started position or have not received first two paychecks)
-Court-ordered child support or alimony
-Government payments (e.g., Social Security, Disability Insurance)
-Retirement income
-Self-employment income
-Bank statements*

We require original PDF documents downloaded directly from your payroll or bank provider. Scanned images, copies, or modified documents will not be accepted.

*For self-employed applicants: UCH Campus Apartments may request the following documents: tax returns for up to the last 2 years; PDFs of your last 3 months of bank statements (personal and business accounts, as applicable); and year to date profit and loss statement.  This is not an all-inclusive list.  If you work with platforms like Uber or Lyft, provide statements from these platforms showing your earnings.

For applicants with income from trusts, inheritances, or investments, you must show a balance in a federally-approved bank equal to 4 times the annual rent and provide original bank statements for the 3 most recent months.

Co-signers may be accepted for undergraduate students, graduate students and individuals who recently completed undergraduate or graduate degree programs.

CRIMINAL HISTORY
Criminal background checks are conducted for all applicants who meet the screening criteria. Criminal convictions are not automatic grounds for rejection; we consider the nature, severity, and age of the offense. We will conduct an individualized assessment to determine if the applicant poses a threat to resident safety or property. Applicants will be given the opportunity to present mitigating information.