Urbane Results LLC processes all applications with equal attention and weight. The following standards outlined below represent the standards used by the vast majority of the properties we represent. Individual property owners may elect to articulate their own standards and change those standards at any time and without advance notice to applicants and/or to Urbane Results LLC. Individual property owners approve all applicants. Please view the Application Terms section for more details.
Employment
An applicant must prove that they are currently employed or have another acceptable documented source of income. Our application requires three years of employment history. We review employment history to help establish creditworthiness through constant employment.
Applicants who are not employed or who do not have three years of employment history, will not necessarily be disqualified from renting an apartment. Please review the Application Directions and submit proper documentation.
Income
Urbane Results LLC requires that the rent and all associated fees (parking, pets, etc.) not exceed 30% of an applicants’ combined gross income. Exceptions are rarely made to allow for rent and all associated fees to not exceed 35% of combined gross income. Exceptions for rent and associated fees to exceed 35% of combined gross income may only be made by the property owner and almost never are approved.
Credit Reports
Urbane Results LLC does not have a minimum FICO score requirement and applicants with “no credit” are welcome and encouraged to apply. In general, we like applicants to have some positive credit history, but it is negative history that carries the most weight when evaluating an applicant’s credit report.
Urbane Results LLC requires a credit report from all applicants, except international tourists and visitors staying in the country for less than ninety (90) days. All applicants must provide a Social Security Number or Tax Identification Number. By submitting an application, all applicants hereby authorize Urbane Results LLC to obtain a credit report, FICO Score and other related reports. An applicant may not submit their own credit report, one must be obtained independently.
An applicant may not have more than two thirty day delinquencies or one sixty day delinquency, per year, over the last three years. Occasionally, exceptions are made for medical collections. Occasionally, with proper documentation, exceptions are made for victims of identity theft, divorce, unemployment in excess of three (3) months, etc. Any exceptions are made on a case by case basis.
An applicant may not have more than two “charge offs” in the last three years. Occasionally, exceptions are made for medical collections. Occasionally, with proper documentation, exceptions are made for victims of identity theft, divorce, unemployment in excess of three (3) months, etc. Occasionally exceptions are made when proof exists that “charge offs” have been satisfied. Any exceptions are made on a case by case basis.
An applicant may not have more than three credit inquiries per year over the last three years. Occasionally exceptions are made on a case-by-case basis.
An applicant may not have a debt to credit ratio that exceeds sixty percent (60%). Generally, education loans and education related loans are exempted. An applicant MUST disclose education loan details at the time their application is submitted. Urbane Results LLC will not be liable for not approving an application if an applicant is not forthcoming about education and student loans. Urbane Results LLC may determine what is and is not an education/student loan as they see fit and as the applicant demonstrates. Occasionally exceptions are made on a case-by-case basis to overall debt to credit ratios.
Eviction History
An applicant WILL NOT be approved with any eviction history on their record. This may include, but not be limited to judgments for possession and/or monetary judgments. Occasionally exceptions for evictions are made for evictions more than seven (7) years old and/or for evictions that resulted from severe health problems, divorce, etc. Exceptions are VERY RARE and are made on a case-by-case basis. If you have been evicted, please speak with us BEFORE you submit an application. Please remember that individual property owners approve all applications.
Criminal History
Applicants with a criminal history will be approved on a case by case basis. Applicants are encouraged to voluntarily disclose criminal histories BEFORE you apply. Please remember that individual property owners approve all applications and may have individual prejudices regarding criminal history and crimes.
Unless a protected class, Urbane Results LLC will not knowingly rent an apartment to any registered sex offender. Registered sex offenders should contact a leasing agent BEFORE they apply.
Non-Discrimination Policy
Urbane Results LLC follows all applicable local, state and federal laws when processing applications and evaluating an applicant’s creditworthiness. Urbane Results LLC does not discriminate against any protected classes. Please remember that individual property owners approve all applicants and applications. Please review the Application Terms section for more information.
Identity Theft & Confusion
All applicants are encouraged to obtain a copy of their credit report, eviction history search and criminal histories BEFORE they apply. Urbane Results LLC will not be liable for any application that is denied as a result of inaccurate, wrong, incomplete or other negative information. We have encountered instances where an eviction report returns a record of an eviction with the same name as the applicant. In these instances, unless the applicant can prove they are not the person listed in the report, their application may be denied. Unfortunately, once an application is processed, there is no time for an applicant to investigate, dispute or otherwise correct information obtained.