Rental Criteria

QUALIFICATIONS CRITERIA FOR APPLYING

Revised February 1, 2026

Fair Housing: Harbor Property Management strictly adheres to all federal and state housing laws and does not discriminate against any person based on race, color, religion, sex, national origin, familial status, or handicap.

Rental Application Fee: The fee is $57.00 per adult applicant aged 18 years or older, which includes $20 for a credit report and $37 for an administration fee.

1. Application Process: Applicants must view the property in person before applying. Applications are processed in the order received once all required documents and fees are submitted. Incomplete applications will not be processed. Harbor Property Management does not accept reusable tenant screening reports. All applicants must individually meet the qualification criteria; if one applicant is denied, the entire application will be denied. We do not discuss or evaluate the strength, weaknesses, or viability of any potential applicant over the phone or in Applicants will receive written notice of approval or denial.
2. Evictions: Applicants may not have any evictions or unlawful detainer actions within the past ten (10) years, including cases without a monetary judgment. Any outstanding debts owed to previous landlords or creditors will result in automatic denial unless verified as fully satisfied with supporting documentation.
3. Bankruptcies: Bankruptcies must be discharged and at least seven (7) years
4. Approved Applicants Upon final approval, applicants have 48 hours to submit the security deposit via certified funds. Rent will be prorated for the second month of move-in. Once the deposit is received, the lease will be sent via email for electronic Applicants have 48 hours to execute the lease, or the approval may be canceled.
5. Occupancy Standard: The "Two Plus One Rule" applies: occupancy is limited to two people per bedroom plus one.
6. Identification Requirements: All applicants must provide a valid photo ID and Social Security number or TIN. Acceptable IDs include current state-issued ID cards, driver’s licenses, or passports. Military IDs are not accepted. Failure to provide acceptable documentation or respond within 72 hours of a request for additional documentation will result in application cancellation.
7. Age Requirements: All occupants aged 18 or older must be listed as lessees and submit a complete application. Providing false or misleading information will result in
8. Prior Rental History / Mortgage Requirements: Applicants must provide two (2) years of the most recent verifiable and favorable rental history from unbiased Relatives, in-laws, and employers are not considered unbiased sources. Proof of on-time rent or mortgage payments for the preceding three months must be verified through rent receipts, canceled checks, or bank statements.
9. Co-Signer / Guarantor: A co-signer guarantees rent but will not reside in the unit. Co- signers must complete an application, meet all qualification requirements, and provide verifiable income of at least four times the monthly rent. Income documentation must match the co-signer’s legal name and be Co-signers must meet criminal, eviction, and minimum credit score requirements. Co-Signer may be considered in the following cases:

1. 1. First time renter who meets the above credit and income
   2. Renter who has not been on the job for 1 year but meets the rental history and credit
   3. Renter who has no credit history but meets the rental history and income

10. Income Requirements: Payments from third parties are not accepted unless required by law. Applicants must provide verifiable income sufficient to meet a net monthly income of at least 2.5 times the rent. Non-permanent income sources require an additional security deposit. Applicants must provide at least two months of consecutive income history, with the most recent transaction occurring within 31 days of application review. Income documentation must match the applicant’s legal name and be verified as legitimate.
11. Acceptable Proofs of Income:

12. Employment: Employment used to meet income criteria must be verifiable, including salary and start date, and the applicant must have been continuously employed for at least six months prior to application.
13. Government Rent Subsidy Applications: Applicants receiving a government subsidy, such as Section 8, may choose to be assessed based on “ability to pay” rather than credit history. Applicants must provide verifiable evidence of the ability to pay their portion of the rent. The landlord may request verification of employment, landlord references, or
14. Credit Requirements: Applicants must demonstrate a verifiable credit history reflecting timely payment of Applicants with credit scores between 600 and 650 may be conditionally approved. Scores between 651 and 680 are approved. Scores below 600 will result in automatic denial. Collections must fall within the following ranges:

• • The sum of open collections classified as high-risk (e.g., previous landlord debt) must be less than $1.
  • The sum of open collections classified as low-risk (e.g., personal finance, phone and internet services, child support, auto loans, bank loans, credit card debt, utilities) must be less than $1,500.

For group applications, the credit evaluation will be based on the simple average of all applicants’ scores.

15. Criminal History: We do not reject an applicant solely based on arrests, indictments, or complaints that did not result in a conviction. Conviction within the past ten (10) years including, but not limited to the following crimes is reason for rejection: murder, burglary, assault, sexual crimes, manufacture or sale of controlled substances, arson, possession of illegal weapons, or passing bad or forged checks.
16. Non-Refundable Application Fee: The $57 application fee per applicant must be paid via cash, money order, online payment, or cashier’s check. Personal checks are not accepted. Applications will not be processed until fees are paid. Fees are non-refundable.
17. Pet Policy: If pets are allowed, a monthly pet rent up to $150 per pet may apply. Certain breeds are prohibited due to insurance liability, including Pit Bulls, Dobermans, Rottweilers, German Shepherds, Chows, Great Danes, Presa Canarios, Akitas, Alaskan Malamutes, Siberian Huskies, Wolf-hybrids, and Chihuahuas, as well as exotic or poisonous animals.
18. Assistance Animals: Service and emotional support animals are permitted with proper
19. Security Deposit Requirement: All rent, deposits, and fees must be paid in full prior to move-in via cashier’s check or money Security deposits must be received within 48 hours of approval; otherwise, the application status may be updated to undecided, canceled, or rejected, and the property will continue to be marketed. HUD-approved third-party assistance for security deposits is accepted if received within 48 hours.
20. RENTERS INSURANCE: (is required) Prior to move-in, you must provide the Declaration Page showing: Minimum of $100,000 liability coverage • Policy equal to or greater than the term of the lease • The property and address added as additional insured (to notify landlord, in case policy is terminated).
21. Resident Benefit Package: All residents are enrolled in the Resident Benefits Package (RBP) at $49.95/month, which includes renters insurance, credit building, move-in concierge services, $1M identity protection, resident rewards, and more.

Applicants affirm that all information provided is true and correct and authorize verification of all references, including landlords, employers, and personal references. Applicants authorize Harbor Property Management to obtain unlawful detainer, credit, and criminal background reports. Providing incomplete or inaccurate information may delay processing or result in denial. Material misstatements discovered after approval may be considered a breach of lease and grounds for rescission and immediate eviction. Applicants waive claims against parties providing or obtaining verification or additional information.