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Steps of Screening

  1. Identity Verification
  2. Credit Score Verification
  3. Collections and Bankruptcy
  4. Verification
  5. Income Verification
  6. Eviction Verification
  7. Housing History Verification
  8. Household Animal Review
  9. Criminal Verification

City of Detroit Ordinance

The rental or lease of this property must comply with the City of Detroit Ordinance regulating the use of criminal background checks as part of the tenant screening process to provide citizens with criminal backgrounds a fair opportunity. For additional information please contact the City of Detroit Office of Civil Rights, Inclusion and Opportunity.

Application Screening Details

Order of Applications Received

Real Property Management Main’s Screening Specialists will take applications on a first-come, first-served basis.

Communications

Throughout the application, the Screening Specialists will communicate with the applicant through the application Chat feature when more information is needed to proceed with the application processing.

Identity Verification

Once the application is submitted, the Screening Specialists will asses the ID Documentation. Applicants must provide a valid ID and must provide a selfie that matches the photo of their valid ID. The name from the ID must match the self-reported name and name from the Credit Report.

Acceptable Forms of Identification

  • Passport
  • All Countries Drivers License
  • All Countries ID Card, All Countries
  • Asylum Approval Letter
  • US Green Card
  • All Countries Visa
  • All Countries
  • Passport Card
  • All Countries Work Permit, US
  • Military ID, US
  • Tribal ID, US

Credit Determination

Screening Specialists will asses the TransUnion Resident Score, or simple average of scores in the case of a group application for meeting the threshold.

Score Range Decision
350 – 550 Decline
550 -650 Conditional
650 – 850 Approve
No score Conditional

If the credit score is disqualifying, the Screening Specialists will decline the application, send borrower communications, and provide adverse action notice as appropriate.

Credit, Collections & Income

Bankruptcy and Collection History

There must be no Chapter 13 bankruptcies open, discharged, or dismissed reported in the last 7 years.

There must be no Chapter 7 bankruptcies open, discharged, or dismissed reported in the last 7 years. Collections must be within the specified ranges.

The sum of the open collections with high-risk types (previous landlord) must be less than $1.

The sum of open collections with low-risk types (child support, utilities, consumer credit, bank debt, auto loan) must be less than $500.00.

If the bankruptcy and collections history is disqualifying, the Screening Specialists will decline the application, send borrower communications, and send adverse action letter as necessary.

Income Verification

Once the application proceeds to income review, the Screening Specialists will assess the applicantsʼ past two months of income using either their linked payroll account, linked bank account, or uploaded
documents.

Screening Specialists will perform a calculation to determine income. Net income must meet a 2.8x rentto-income ratio as determined by the screening criteria for the portfolio.

The Screening Specialists will determine if the provided proof of income documentation meets the recency requirement.

Income Determination

If the applicant fails the income criteria, the Screening Specialists will request the applicant add a guarantor. If the applicant does not respond or cannot provide a guarantor, the Screening Specialists will decline the application, send borrower communications, and provide adverse action notice as appropriate.

Applicant Income Threshold Criteria

Income to Rent Decision
Less than 2.8x Decline
More than 2.8x Approve

Guarantor Income and Credit Threshold Criteria

Income to Rent Decision
5.4x or less Decline
5.5x or less Approve
Guarantor Credit Decision
Less than 700 Decline

Income Verification

Acceptable Documents Requirements Calculation Method
Personal bank statements Covers 2 months Sum of income transactions
Business bank statements Not allowed Not allowed
Social security statements Benefits statement is valid Benefit amount converted to monthly
Offer letter Letter is valid.
Job starts within the next 45 days or within the past 15 days
Convert to monthly amount
Alimony statement Statement is court-issued Monthly amount on statement
Child support statement Statement is court-issued Monthly amount on statement
Leaving and earning statement Statement is valid and passes fraud checks Monthly amount on statement
Disability benefit letter Benefits statement is valid and passes fraud checks Monthly amount on letter
Award letter for Financial Aid with specific housing amount Has valid proof enrollment Award amount counts directly against rent. Remainder after subtracting voucher amount subject to RTI ratio.
Award letter for Financial Aid not specific to housing Has valid proof of enrollment Converted monthly amount on statement treated as net income
Housing Voucher (includes company paid) Statement is court-issued Monthly amount on statement
401k/pension statement Statement is valid and passes fraud checks Monthly amount on statement
Total liquid assets Not allowed Not allowed

Animal Verification

Applicants are expected to provide details on all household animals. If animal is ESA or Service certified, please disregard filling out any details on your animal during the application process to avoid charges.

Please be sure to let your screening specialist know if your animals are certified, as additional documentation may be required of you to verify certification.

Pet fees will not apply during occupancy for verified animals with ESA or Service certificates.

Evictions, Rental History and Animal Verification

Evictions

If eviction history is reported, the Screening Specialists will decline the application, send borrower communications, and provide adverse action notice as appropriate.

Rental History Verification

The screening specialists will request that applicants provide contact information for landlords from the last 3 years if applicants were renting and on an lease agreement, or, proof of ownership if owned during the past 3 years.

Our screening specialist will reach out to past landlords to inquire on their experience with the applicant as a renter by having them fill out questionnaire.

If contact information or proof of ownership cannot be provided the application may be canceled due to uncompletion.

Apply Online to Rent a Home

If you’re interested in leasing a home from Real Property Management Main, it is best to first find a property you are interested in renting, then complete the online application.

Find a Rental Home and Apply

  1. Review the properties available to rent.
  2. Click on your desired property.
  3. Click Apply Online.
  4. Complete the Online Rental Application
  5. Pay Application Fee (part 2 of the Application).

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