CONFIDENTIAL Rental Application Report & Summary
Pursuant to Massachusetts law, no rental applicants will be denied housing because of race, color, religion, national origin, sex or sexual orientation, age (except if a minor), marital status, members of the military,veterans, handicapped or disabled individuals. The Renting Agent is an independent contractor and has no authority to make any representation concerning the premises; the Renting Agent is only authorized to show the property for rent and to assist in the screening of rental applications. Screening questionnaire and scoring reflects Section 8 exceptions to standard screening criteria: No income test; applicants with vouchers cannot be declined due to -zero- credit score.
Date
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Month
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Day
Year
Date
Report prepared by
Melissa Borelli
Patricia Murphy
Charles O'Neill
Liuliang Qin
Report Status
**IN PROCESS**
FINAL
**Incomplete**
Preparer's email address
example@example.com
Applicant's name
First Name
Last Name
Phone Number
-
Area Code
Phone Number
Rental Property Address
Street Address
Street Address Line 2
City
Postal / Zip Code
Landlord
First Name
Last Name
Landlord's Decision
Accept
Decline
**IN PROCESS**
N/A
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Adverse Selection Factors noted
Applicant did not sign paperwork
Applicant is unwilling to accept the agreement terms (e.g., lease, tenancy at will)
Applicant refused to authorize consumer background check/credit report
Applicant omitted critical information
Applicant is unable to move in on landlord’s target rent date
Applicant is unable/ unwilling to pay move in costs
Applicant falsified critical information
Applicant could not show valid, govt.- issued ID
Applicant's SSN does not match record
Applicant's current or previous landlord reported serious adverse experience
Applicant has been evicted in last two years
Landlord reference provided is deemed unreliable (comment below)
Eviction-related legal action on record
Applicant has no income or has income that cannot be verified
Applicant has an income to future rent ratio of less than three
Conviction for drugs, violent crime, or MA Class 2 /Class 3 sex offense w/in 5 years
Applicant has a waterbed or aquarium (if forbidden)
Applicant needs to park more vehicles than can be legally parked
Applicant has a need to house more than the legal occupancy
Applicant has a current smoking habit (if smoking is forbidden)
Applicant has a dog or other pet without reasonable accommodation paperwork
Residential history/ landlord information invalid
Applicant's FICO score less than 600
Applicant has 0 Credit but w/ derogatory references
Applicant circumvented Rental Agent
Applicant refused to sign or violated terms of Fee Disclosure form
Applicant made inappropriate remarks or inquiries about other tenants
Applicant was late or behaved inappropriately
Application withdrawn or no follow-up
No funds provided with application
No landlord reference
Special Circumstances
Applicant states poor credit due to medical debts
Applicant states poor credit due to education loans
Applicant states poor credit due to job loss
Applicant states poor credit due to fraud
Applicant was referred to property by credible party known to the landlord
Applicant proposes creditworthy and fully qualified co-signer
Business reference is available, acceptable to landlord
Comments (optional)
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Income Factors
Section 8? (Waives income and affordability factors)
Yes 75
No
Documented Monthly Gross Income (Sec 8 N/A)
Savings or investments available toward monthly rent (Sec 8 N/A)
Monthly Rent for Proposed Rental Unit (Sec 8 N/A)
Rent: Income Ratio
1. What is the applicant's Income:Rent Ratio? (As shown above)
4.1-5.0 > +40
3.6 - 4.0 +30
3.26 - 3.5 +15
3.0 to 3.25 0
2.75- 3.0 -15
2.50-2.75 -25
Less than 2. -40
Section 8 N/A
2. Sources and types of earned income
Hourly +5
Salaried + 10
Retirement / Other +10
Section 8 N/A
3. Duration of employment (Highest paid position if multiple employers)
Not employed --has other source of income 15
Current employer less than one year 5
Current employer one to three years 10
Current employer more than three years 15
Section 8 N/A
Income Factors Sub Total
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Affordability
4. Rent increase or decrease
New apartment will cost less 10
New apartment will cost 10% more -5
New apartment will cost about the same 0
New apartment will cost 20% + more -10
Not applicable or not comparable 10
Section 8 (waives affordability factors) 10
Affordability Subtotal
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Credit Factors
5. Credit Score
FICO 751+ 40
FICO 726-750 35
FICO 700-725 30
FICO 650-699 20
FICO 600-649 10
FICO Less than 600 -30
FICO Less than 575 -40
FICO N/A OR No Credit History (Fair score imputed) 20
6. Derogatory Credit
One account -2
2 accounts -6
3 accounts -8
4 accounts -10
5> accounts -15
None 0
7. Non-derogatory credit accounts (Total #)
One account 2
2-3 accounts 3
4-5 accounts 4
5> accounts 5
None 0
8. Bankruptcy
Never bankrupt 0
Divorce -related bankruptcy in last 2 years -5
Medical bankruptcy in last 2 years 0
Other bankruptcy in last 2 years -15
Credit Factors Subtotal
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References
9. Landlord or other references
Owned residence 25
Resided in family home (not the owner) or otherwise not available 10
Current and previous landlords would rent to them again 30
Previous landlord would rent to them again 25
Previous landlord unavailable. Current landlord would rent to them again 20
Unable to contact current or previous and is not homeowner 5
Current or previous landlord was reached but "no comment " -25
Previous landlord would not rent to them again -40
Current landlord would not rent to them again -40
N/A Applicant is non-occupant Co-Signer or Guarantor 10
Applicant unable to document current address/credit file mismatch -35
Application withdrawn -- no landlord contact attempted 0
10. Landlord Derogatory remarks (Current or previous)
N/A 0
Tenant paid late or is not current -20
Applicant damaged/vandalized the unit -40
Landlord retained part of the security deposit -10
Unauthorized persons lived in the unit -20
Applicant interfered with rights and quiet enjoyment of other tenants -40
References Subtotal
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Residential History
11. Number of residences in last two years
Same address for more than two years 10
Two dwellings in the last two years 5
More than two dwellings in the last two years -5
Residential History Subtotal
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Evictions & Liens
12. Eviction / illegal detainer history
Never evicted 15
Once served notice to quit, paid everything owed, stayed or vacated -40
Was evicted and/or vacated owing the landlord money -50
Eviction action filed, disposition unknown -30
Court ruling against landlord, w/ case dismissed 0
13. Liens
Child support lien -15
Tax lien -10
None 0
Evictions and Liens Subtotal
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Rental Agent Comments
Total Points
% Score
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