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Apply & Qualify

Summary

It's easy! 

  1. Pick a Home

  2. Tour the home

  3. Click “Apply Now” in the listing

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What You Need to Apply

  • Photo ID + selfie (driver’s license, state ID, passport, etc.)

  • Proof of income (link payroll or bank, or upload documents)

  • Pet info (if applicable)

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Application Questions?

Check status & chat about your application 24/7: 

Findigs Login​

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Step-by-step

​1) Apply Online​​​​

​Read the below to confirm you will qualify.

Then, click APPLY NOW in the listing and follow the flow.

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2) Identity Verification
You must upload:

  • A valid photo ID

  • A selfie that matches the photo on your ID

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3) Credit Verification

Your deposit depends on the lowest credit score among adult applicants:

  • 650+ → 1× rent

  • 600–649 → 1.5× rent (pay 1 month now; rest over 5 months)*

  • 550–599 → 2× rent (pay 1 month now; rest over 5 months)*

  • 500–549 → 3× rent (pay 1.5 months now; rest over 10 months)*

  • Below 500 → Declined

  • No score → 2× rent

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​* $20 billing fee per installment​

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4) Collections & Bankruptcy 

Declined if you have:

  • Open bankruptcy (closed is okay)

  • Money owed to a landlord or utility

  • $1,500+ in other collections (medical bills don’t count)

 

Charge-offs may still be approved, but deposit may go up by 0.5× rent.

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5) Income Verification
Combined net monthly income of all lease signers must be at least 2.5× (two and a half times) the monthly rent.

 

Income can be verified by:

  • Linking your payroll account

  • Linking your bank account

  • Uploading approved documents

 

If you're self-employed and use a business bank account, you must prove ownership. If you own only part of the business, your income is adjusted accordingly.

 

Accepted documents include:

  • Paystubs (must cover at least 56 days)

  • Personal bank statements (2 months)

  • Self-employed bank statements (6 months)

  • Social Security or disability award letters

  • Court-issued child support or alimony documents

  • Leave and earnings statements

  • Pension or 401k distribution letters

  • Valid offer letters (job starts within 45 days and verified with employer)

  • Unemployment benefit letters

  • Financial aid letters (with proof of enrollment and housing allocation)

  • Recent bank statement showing total liquid assets (used to estimate income over 12 months)

 

Business-only bank statements and unverifiable documents will not be accepted. If anything is missing or unclear, we may ask you to upload more. If you don’t respond within 72 hours, your application may be denied.

 

If you do not receive a W2 from your business, you will need to submit a business tax return with a net income exceeding 2.5 times rent.

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If your income is below the requirement and you are a student, we may request a guarantor who meets separate income and credit standards. See below.

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Guarantor/co-signer policy:

  • The guarantor must have a credit score of 700 or higher

  • The guarantor must show net income of 4× the rent

  • The guarantor must apply and pass eviction, criminal checks, and all other requirements

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6) Criminal Verification
We check criminal records for every applicant. We do not have a rule that says “no criminal activity.” Instead, we look at each situation carefully and consider:

  • What the crime was and how serious it was

  • How long ago it happened

  • Whether it affects the safety of people or property

  • Whether you’ve shown signs of change or improvement

  • Whether it could make you a risk to the home or the neighborhood

 

In most cases:

  • We focus on the last 5 years for non-violent crimes

  • We focus on the last 7 to 10 years for violent or serious property crimes

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7) Eviction Verification

Any eviction in the last 7 years = declined.

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8) Rental History
We contact your previous landlords to confirm that you paid rent on time and didn’t leave damage or violations behind.​​

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9) Pet Verification

If the property allows cats and/or dogs, you must complete a Pet Screening through Findigs. This step is required before move-in and before any pet visits the property.

 

General Pet Policy

  • Approval required (including visiting/guest pets): All pets must be approved by Management before the pet is allowed anywhere on the property (including the front yard).

  • Tenants are responsible for all pets that visit, regardless of duration.

  • Pets must be at least 1 year old and house-broken (as applicable).

  • Pets must be spayed/neutered and vaccinated.

  • No breeding.

  • Prevent odor, infestation, stains, and damage; resident pays for all pet-related repairs/cleaning.

  • Dispose of pet waste daily (inside and outside).

  • Do not leave pet food/water outside if it attracts other animals.

  • Excessive noise complaints can result in permission being withdrawn and the pet must be removed.

  • Proper disposal of deceased pets; no burial on the property.

  • Pet rent may be added mid-lease if a pet is acquired mid-lease.

  • Undisclosed Pet: If a pet is allowed by the property policy but is not approved/added first, a $100 lease violation will be charged and the pet must be added/approved. Please be honest and add your pet. Our maintenance team may observe an unapproved pet during routine service visits, which can trigger the undisclosed pet process.

 

 

Cat-specific requirements

  • Cats must be allowed by the property’s pet policy.

  • Maximum cats per home: 2

  • Litterbox must be cleaned daily.

  • Cats must be capable of using a cat door if present/required by the property.

  • Cat pet rent: $49 per cat, per month + $5 billing fee per pet rent charge.

 

 

Dog-specific requirements

  • Maximum dogs per home: 3

  • Unacceptable dog breeds (including mixes containing any amount): Akita, Alaskan Malamute, American Bully, American Staffordshire Terrier, Cane Corso, Chow Chow, Dobermann, Husky, Mastiff, Pit Bull, Rottweiler, Wolfdog.

  • Many homeowners insurance carriers do not allow these breeds, so we take this seriously.

  • Dogs must be capable of using a dog door if present/required by the property.

  • Dogs must be crated during maintenance if the tenant is not home to monitor the dog.

  • Puppy pads are not allowed as a standard means of pet waste control.

  • Leash/control: Dogs must be leashed and under control outdoors unless they are in a fully fenced backyard.

  • No tethering/unattended: Dogs may not be tethered or left unattended outside except in a fully fenced backyard.

  • Dog pet rent (per month, where dogs are allowed): $29 for 0-29 lbs, then add $10 for each additional 10-lb range (30-39 lbs = $39, 40-49 lbs = $49, etc.) + $5 billing fee per pet rent charge.

 

 

Other pet types

  • Approval is not required for up to 3 other pets, provided they are kept responsibly and do not cause damage or odor to the property (mammals, reptiles, birds, fish, insects, arachnids, etc.).

  • Pet rent does not apply to other pet types.

  • Resident is responsible for any damage caused by other pet types, including aquarium leaks.

  • Aquariums: Aquariums under 10 gallons are allowed. Aquariums over 10 gallons require prior approval.

  • Not allowed: Poisonous species; exotic animals, farm animals, or livestock; dangerous animals; any pet with a bite history; any pet declined by insurance for any reason.

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11) Final Decision & Next Steps

We calculate how much rent you're approved for and email the results.

 

Approvals

  • Your approval email will state that you are “approved up to” rent limit. Click the â€‹â€‹â€‹â€‹link to â€‹request a lease for the home you want.

  • We will create your AppFolio account and send another link to create your password, sign the lease, pay deposit, and pay rent (if vacant).

  • Keys are ready the morning your lease starts.​

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If declined: You’ll get an email notification.

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