What you will need to apply:
Each adult must:
1. Completely fill out and turn in the attached application.
2. Pay the non-refundable credit/screening fee stated at the top of the application.
3. Provide positive photo identification.
4. Provide a photo of any and all pets that are being considered for the property.
5. Be prepared to wait two business days for the information on your application to be verified.
After Approval:
1. Once you have been approved, please be prepared to sign the lease or rental agreement and pay all deposits within 24 hours.
2. Once the lease or rental agreement is signed by both parties, any and all advance deposits will be applied to non-refundable fees. You are encouraged to read the rental agreement at the time of application.
OCCUPANCY POLICY
1. Occupancy is limited to 2 persons per bedroom. (A bedroom is defined as a space within the premises that is used primarily for sleeping, with at least one window and a closet for clothing).
2. Exceptions are made for children under age two. Children under age two are allowed as a third occupant when the child resides with the parent or other adult(s) maintaining proper legal custody.
DISABLED ACCESSIBILITY
Century 21 Northstar allows existing premises to be modified at the full expense of the disabled person, if the disabled person agrees to restore the premises to the pre-modified condition. Century 21 Northstar requires:
1. Written approval from the landlord before any modifications are made.
2. Written assurances that the work will be performed in a professional manner.
3. Written proposals detailing the extent of the work to be done.
4. Documents identifying the names and qualifications of the contractors to be used.
5. All appropriate building permits and required licenses made available for landlord inspection.
GENERAL REQUIREMENTS
1. Applicants must be able to enter a legal and binding contract.
2. Applicants must provide positive photo identification.
3. Each adult must submit a complete and accurate application listing the current, and at least one previous, rental reference with phone numbers. (Incomplete applications will be returned to the applicant).
4. Any individual who may constitute a direct threat to the health and safety of an individual, the complex, or the property of others, will be denied.
OUTSIDE THE CITY OF PORTLAND
INCOME REQUIREMENTS:
1. Monthly income should equal 3 times the stated monthly rent. If monthly income does not equal 3 times the stated monthly rent, a security deposit equal to a full month’s rent, a qualified roommate, or a co-signer may be required.
2. If we are unable to verify income over the phone a current paycheck stub from the employer will be required. Verifiable income will be required for unemployed applicants. (Verifiable income may mean, but is not limited to: Bank Accounts, Alimony/Child Support, Trust Account, Social Security, Unemployment, Welfare, Grants/Loans, etc.). Self-employed applicants will be required to show proof of income through copies of the previous year’s tax returns.
EMPLOYMENT REQUIREMENTS
1. One year of verifiable employment will be required.
2. Self-employed applicants will be verified through the state. A recorded business name or corporate filing will be sufficient to meet employment requirements.
RENTAL HISTORY REQUIREMENTS
1. One year of verifiable rental history from a current third party landlord is required. (Rental references ending 12 months prior to the date of application will be considered current).
2. Home ownership will be verified through the county tax assessor.
3. Home ownership negotiated through a land sales contract is verified through the contract holder.
4. Rental history demonstrating residency, but not third party rental history, may require a security deposit equal to a full month’s rent, qualified roommate, or a co-signer.
CREDIT REQUIREMENTS
1. A credit report will be obtained and good credit will be required.
CITY OF PORTLAND ONLY (REV 03/01/2020) **HIGHLIGHTED IN BLUE**
E. Applicant Evaluation; Encouraging Most Inclusive Evaluation Process. If applying a Screening Criteria to an Applicant in addition to the General Screening Process, a Landlord is encouraged to apply criteria consistent with, or less prohibitive than, the Low-Barrier Criteria described in Subsection E. below. If the Landlord applies any single criterion more prohibitive than any of the Low Barrier Criteria listed in Subsection E.1.a.-c. below, then the Landlord must apply the Individual Assessment process as described in Subsection F. In applying Low-Barrier Criteria, Landlords must comply with all applicable federal, state, and local laws.
1. Low-Barrier Screening Criteria. In adopting Low-Barrier Criteria, Landlords agree not to reject Applicants for:
a. Criminal History:
(1) An arrest that did not result in conviction, unless the resulting charge is pending on the date of the Application;
(2) Participation in or completion of a diversion or a deferral of judgment program;
(3) A conviction that has been judicially dismissed, expunged, voided, or invalidated;
(4) A conviction for a crime that is no longer illegal in the State of Oregon;
(5) A conviction or any other determination or adjudication issued through the juvenile justice system;
(6) A criminal conviction for misdemeanor offenses for which the dates of sentencing are older than 3 years from the date of the Application, excluding court-mandated prohibitions that are present at the property for which the Applicant has applied; or
(7) A criminal conviction for a felony offense for which the dates of sentencing are older than 7 years from the date of the Application, excluding court-mandated prohibitions that are present at the property for which the Applicant has applied.
b. Credit History:
(1) A credit score of 500 or higher;
(2) Insufficient credit history, unless the Applicant in bad faith withholds credit history information that might otherwise form the basis for a denial;
(3) Negative information provided by a consumer credit reporting agency indicating past-due unpaid obligations in amounts less than $1,000;
(4) Balance owed for prior rental property damage in an amount less than $500;
(5) A Bankruptcy filed by the Applicant that has been discharged;
(6) A Chapter 13 Bankruptcy filed by the Applicant under an active repayment plan; or
(7) Medical or education/vocational training debt.
c. Rental History:
(1) An action to recover possession pursuant to ORS 105.105 to 105.168 if the action:
(a) Was dismissed or resulted in a general judgment for the Applicant before the Applicant submitted the application;
(b) Resulted in a general judgment against the Applicant that was entered 3 or more years before the date of the Application;
(c) Resulted in a general judgment against the Applicant that was entered fewer than 3 years before the date of the Application if:
(i) The termination of tenancy upon which the action was based was without cause (no-cause eviction); or
(ii) The judgment against the Applicant was a default judgment due to a failure to appear, and the Applicant presents credible evidence to the Landlord that the Applicant had already vacated the unit upon which the action was based at the time notice of the action was served.
(d) Resulted in a judgment or court record that was subsequently set aside or sealed pursuant to procedures in state law.
(2) Any information that the Landlord obtains from a verbal or written rental reference check with the exception of defaults in Rent, 3 or more material violations of a Rental Agreement within one year prior to the date of the Application that resulted in notices issued to the Tenant, outstanding balance due to the Landlord, or lease violations that resulted in a termination with cause; or
(3) Insufficient rental history, unless the Applicant in bad faith withholds rental history information that might otherwise form a basis for denial.
COSIGNER REQUIREMENTS
1. Must own property.
2. Complete the Cosigner’s Agreement and have it notarized.
3. Provide proof of source, stability, and amount of income.
4. May be required to sign the rental agreement.
CRIMINAL CONVICTIONS
- Upon receipt of the rental application and screening fee, landlord shall conduct a search of public records to determine whether the applicant or any proposed tenant has been convicted of any crime within the previous seven years. A conviction or convictions for any felony, or any misdemeanor involving theft, dishonesty, assault, intimidation, drug or weapons related charges may be grounds for denial of the rental-application.
FCRA Summary of Rights
A Summary of Your Rights – Under the Fair Credit Reporting Act.
The federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of information in the files of every “consumer reporting agency” (CRA). Most CRAs are credit bureaus that gather and sell information about you – such as if you pay your pills on time or have filed bankruptcy – to creditors, employers, landlords, and other businesses. You can find the complete text of the FCRA, 15 U.S.C.§§1681-1681u, by visiting www.ftc.gov. The FCRA gives you specific rights, as outlined below. You may have additional rights under state law. You may contact a state or local consumer protection agency or a state attorney general to learn those rights.
You must be told if information in your file has been used against you. Anyone who uses information from a CRA to take action against you – such as denying an application for credit, insurance, or employment – must tell you, and give you the name, address, and phone number or the CRA that provided the consumer report.
You can find out what is in your file. At your request, a CRA must give you the information in your file, and a list of everyone who has requested it recently. There is no charge for the report if a person has taken action against you because of information supplied by the CRA, if you request the report within 60 days of receiving notice of the action. You also are entitled to one free report every twelve months upon request if you certify (1) you are unemployed and plan to seek employment within 60 days, (2) you are on welfare, or (3) your report is inaccurate due to fraud. Otherwise, a CRA may charge you up to eight dollars.
You can dispute inaccurate information with the CRA. If you tell a CRA that your file contains inaccurate information, the CRA must investigate the items (usually within 30 days) by presenting to its information source all relevant evidence you submit, unless your dispute is frivolous. The source must review your evidence and report its findings to the CRA. (The source also must advise national CRAs – to which it has provided the data – of any error
