Thank you for your interest in renting one of our homes! To rent one of our homes, every applicant must meet certain requirements including, age requirements, pass background, criminal, and credit screenings, and provide valid identification and proof of income.
Age Requirements
We love residents of all ages, but applicants must be 18 years of age or older, unless deemed to be an adult under applicable law with respect to the execution of contracts. Each person who is 18 or older will need to submit a Lease Application and pay a Lease Application Fee.
Background and Credit Check
A background screening will be completed on all applicants to verify credit worthiness. Cumming Home Property Management uses OneSite to process the applications to create a rental score. The rental score is determined from an analysis of information found in each applicant’s consumer credit report, application and previous rental history. The consumer credit report may include payment history, bankruptcies, number and type of accounts, collection activity, outstanding debt and credit inquiries. Credit scores are just one part of your application, so low scores and blemishes on your credit report may not necessarily automatic disqualifiers. Normal threshold is 600+ Equifax Score.
Identification
All applicants must present valid government issued photo identification. Identification issued by any state or federal authority of the United States includes but is not limited to:
- A state-issued driver’s license
- State-issued identification card
- US passport or passport card
- US CIS Form I-551 permanent resident card
Applicants will be required to provide a Social Security Number (SSN) or Taxpayer Identification Number (TIN) at the time of application. Any applicants unable to provide a SSN/TIN will be considered as long as:
- All other requirements of the applicant identity policy have been met
- Co-applicant has provided a valid SSN/TIN
Criminal Background Check
A criminal background check will be completed for each applicant. The Lease Application will be denied for the following criminal convictions:
- For felony offenses involving crimes against children, sex-related offenses, homicide, kidnapping, and drug sale, manufacturing, or distribution, or any felonies within the past 10 years.
- For misdemeanor offenses involving crimes against persons, property, or animals, financial crimes;(e.g. bad check, identity theft, fraud), and other drug, prostitution, and/or weapons related offenses within the past 3 years.
Most other misdemeanor offenses (e.g. traffic or alcohol-related offenses), will not decline the Applicant.
These criteria do not constitute a guarantee or representation that residents or occupants currently residing in one of our homes have not been convicted of, or subject to, deferred adjudication for a felony, certain misdemeanors, or sex offenses requiring registration under applicable law. Resident or occupants may have resided in one of our homes prior to implementation of this policy, and our ability to verify this information is limited to the information available to us by the applicants and credit reporting services. Residents or occupants who are convicted of any of the foregoing after this Lease Application, may be subject to forfeiture of Lease Application Fees or eviction if conviction occurs after move-in.
Other Criteria
If a guarantor is required for applicants who do not meet the credit requirements, the guarantor is subject to the same guidelines as applicants. The guarantor must complete a separate Lease Application and pay a Lease Application Fee. The guarantor will be required to sign a guaranty. If the guarantor resides in AZ, NV, or TX and is married, his/her spouse will also be required to sign the guaranty but will not be subject to the Lease Application or Lease Application Fee. A guarantor will not overcome criminal, civil court or rental judgment.
An OFAC (Office of Foreign Assets Control) search report will be completed for each application. Any applicant that appears on an OFAC list is subject to automatic denial.