Applicant Screening Criteria
May 2018
Outside Seattle Limits
If any applicant needs assistance, known as “reasonable accomodation” in the application process, please advise the landord.
Applicant Screening Process – Applicant is urged to review the screening criteria to determine requirements can be met.
* Each applicant over 18, except dependents, shall submit a completed application and pay the appropriate screening fee.
* Each applicant who is a US citizen shall have a legally issued social security number.
* Acceptance or denial of the application may take several days.  Screening fees are non refundable.
* All applications are considered complete upon submission of a completed application to rent, payment of the application fee for the purpose of a resident screening report, payment of the holding fee (pursuant to RCW 59.18.253) in addition to any information set forth below.
Identification – At the time of application, applicant(s) shall provide two pieces of identification, of which one shall be a picure I.D.
INCOMPLETE, INACCURATE, OR FALSIFIED INFORMATION – Any information that is incomplete, illegible, inaccurate, or falsified may be grounds for denial or termination of the rental agreement upon discovery.
LIMITATIONS – Occupancy may not exceed two persons per bedroom.  The owner/agent will allow aid animals or reasonable modifications to the unit necessary to assist those with disabilities.
RENTAL HISTORY: 12 months valid, verifiable rental history from a present or previous landlord or home ownership.
Valid rental history is a written lease or month-to-month agreement.  If rental history is less than 12 months then an increased deposit  -OR- cosigner may be requested. Two (2) or three (3) late payments, NSF checks and/or noise complaints within 12 months may result in an increased deposit. Proper notice, no damage to the unit and compliance with all terms of the lease or contract and rules is required. Final recommendation will also be dependant on credit history, income and employment.
If home ownership is unable to be verified from the credit report or the local tax assessor, permission must be granted to verify payment history with the lending institution.
CREDIT WORTHINESS: At least two (2) accounts established for one (1) year in good standing with less than $500 in derogatory credit (excluding medical debt) required for approval. 
If less than two (2) accounts established for less than one (1) year and/or derogatory credit history is in excess of $500 (excluding medical debt) and/or a bankruptcy filing, then an increased deposit -OR- cosigner may be requested.  Final recommendation will also be dependant on income, rental & employment history.
SOURCE OF INCOME: Monthly verifiable income must be equal to at least 2.5 times the rental amount. 
If income is less than 2.5 but more than 2 times the rental amount then an increased deposit may be requested. Income that is less than 2 times the rental amount may require a qualified cosigner.  Final recommendation will also be dependant on rental, credit & employment history.
It shall be the obligation of the applicant(s) to provide proof of income by submitting copies of verifiable documentation or other information as requried by the landlord.
Acceptable documentation for verifiable income varies based on the income source.  Generally accepted documentation may include (but is not limited to) 2 consecutive (recent) paystubs equal to 1-months pay, 2 most recent tax returns, bank statements verifying 3-6 months of rent as an average daily balance, W2, Leave & Earnings Statement (LES), Statement of Social Security Benefits, I20 (International Students), etc.
Federal, state, and local subsidies will not be considered in any rent to income ratio.
Denial of Application may result from the following:
Verified unpaid eviction appearing on credit report or confirmed with landlord or through public records search.
Unpaid rental collection verified on credit report and/or balance owing to landlord.
4 or more late payments and/or NSF checks and/or noise complaints and/or lease violations within a 12 month rental period (current or previous).
Unverifiable social security number
Breaking lease agreement that may result in collection filing
Lack of proper notice to a landlord.
We do not automatically deny applicants based on criminal history.  Rather, criminal history is considered based on the nature of the offense and time passed since the date of final disposition (e.g. applicant was released from prison, probation or parole).  We limit consideration to those convictions, the dates of final disposition of which pre-date the report by no more than seven years.  Note that convictions for the following offenses may result in denial:
Murder (1st and 2nd degree)           Kidnapping (All counts)
Manslaughter (1st degree)              Theft (1st & 2nd degree)
Assault (1st, 2nd & 3rd degree)       Burglary (1st, 2nd degree & vehicle prowling 1st degree & Residential)
Robbery (1st & 2nd degree)            Malicious Mischief (1st degree)
Rape (All counts)                            Arson (1st, 2nd degree & Reckless Burning 1st degree)
Rape of a child (All counts)              Possession with intent to Deliver illegal substance(s) (All counts)
Child molestation (All counts)          Delivery or Sale of illegal substance(s) (All counts)
Any Terror Related Activity              Outstanding Criminal Warrant for those offenses listed above
Criminal conviction which results in a registered sex offender requirement and/or any sex offender registry requirement.
A criminal records search will be performed for felony and misdemeanor offenses.  All felony and misdemeanor offenses must be disclosed on the rental application.
COSIGNER QUALIFICATION CRITERIA:  A cosigner will be APPROVED if all the qualification below is met, if the cosigner does not meet any one (1) of the following criteria then the cosigner will not qualify.
RENTAL HISTORY: 1 year of valid and verifiable rental or mortgage history with no late payments
CREDIT HISTORY: At least 4 accounts in good standing for 1 year with less than $100 in derogatory credit
Any bankruptcy (open and/or discharged) will result in denial.
EMPLOYMENT: 12 months with current employer or previous employment in same field of work.
Retired cosigners will be given consideration with proof of verifiable income.
INCOME: 4 times the rental amount of the unit in verifiable, garnishable income
Consider this statement as notification that we accept a comprehensive reusable tenant screening report, as defined by RCW 59.18.257, like MyScreeningReport.com®
In compliance with state and federal consumer reporting law, you are hereby advised that a screening will be conducted regarding information contained in your rental application.  The report may contain information regarding your credit-worthiness, character, general reputation, personal characteristics and mode of living.  Moco, Inc., whose address is PO Box 2826, Seattle, WA  98111, and whose telephone number is (800) 814-8213, will conduct the screening and to release information obtained to landlord and landlord’s agents.  If the application is denied or approved conditionally based upon information contained in the report, you may request and obtain a copy of the report.  You have the right to dispute the accuracy of information contained in the report.  You may have additional rights under both state and federal law.

Please enter your social security number (SSN) if one has been issued to you. Submission of an SSN helps assure access to your credit profile and reduces the likelihood of processing delays. We maintain strict physical, electronic and administrative security practices to protect your information. Moco Privacy Policy.

Equal Housing Opportunity

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Each person over the age of 18, who will be residing in the rental unit, is required to complete a separate application.

Please tell us about the rental unit you would like to apply for:

Apartment (Landlord) Name*:  
Management Company Name:
Rental Unit Street Address*:
City*, State* and Zip:
Apartment (Landlord) Contact Name*:
Apartment (Landlord) Telephone Number*:
How did you hear about us (Craigslist, For Rent, Friend, etc)?

Your planned move in information:

Rental Unit Number:  
Planned Move in Date: *
/ /
Rent $*:

Application Type *

I am applying:
Spouse/Roommate(s) name(s) -
list all over 18 years of age:
Cosigning for:

Tell us about yourself

(Legal) Last Name*:  
First Name*:
Middle Name:
Other names used:
Email Address*:
Contact Phone Number*:
Alternate phone numbers
(Cell, Work, etc..)
Social Security #:
 -   -   
Birth Date*:
/ /
Driver's License # and State:

* = Required Field.

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