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Statement of Rental Policy/Qualification Acknowledgment


In order to assist you with your decision on your new home, we are providing a list of guidelines used to qualify residents for residency in our communities. Nothing contained in these requirements shall constitute representation by South Oxford Management, LLC that all residents and occupants currently residing in our community have met or currently meet these guidelines.


FAIR HOUSING STATEMENT South Oxford Management, LLC and the Owner are committed to compliance with all federal, state, and local fair housing laws. It is our policy to comply with all laws prohibiting discrimination, including those that prohibit discrimination based on race, color, religion, national origin, sex, familial status, or disability.


IDENTIFICATION

Applicants must present a government issued photo identification card for all persons age 18 years and older that will be living in the apartment.


APPLICATION AND FEE A separate rental application must be completed, dated and signed by each applicant and any individual over the age of 18. All individuals 18 years of age, or legally considered an adult by law if not living with a legal guardian, are required to be made a party to the lease. A non-refundable application fee, deposit and/or bond are required at the time an application is submitted.


OCCUPANCY Unit occupancy shall not exceed 2 persons per bedroom. Children younger than six months are not considered occupants in determining this factor of eligibility. South Oxford Management, LLC will comply with applicable laws that require higher or lower occupancy ratios.


INCOME All individual applicants must have a combined source of income in an amount no less than 2.5 times the market rental rate, or if 2 individuals over 18 applying to live in the same unit a combined income of 3 times the market rental rate. Acceptable Sources of Income may be any of the following: Three (3) most current paycheck stubs. If applicant is starting a new job, the future position and salary must be verified in writing via an offer letter on company letterhead and effective on or before the proposed move-in date. If applicants are self-employed or receive money from non-employment sources, proof of income through: (1) a copy of the previous year's tax returns, (2) a financial statement from a CPA verifying income, or photocopies of three (3) most current bank statements illustrating the ability to pay rent through the entire lease term. (Other income may mean, but is not limited to, alimony/child support, trust accounts, social security, unemployment, welfare, grants/loans).


INCOME RESTRICTED If you are applying at an income restricted community please review the supplemental income exhibit for specific income qualifications.


RENTAL HISTORY Less than satisfactory rental history including, Evictions and/or Outstanding Debt to a previous Landlord may result in an automatic denial.


CREDIT HISTORY Our screening agency evaluates credit, debt to income and rental history against indicators of future rent payment performance. Any unsatisfactory finding may result in the requirement of an additional deposit, guarantor, or denial.


GUARANTORS Are accepted for everyone: full time students, proof of full time enrollment for current or upcoming term must be presented. All guarantors must have a combined source of income in an amount no less than 6 times the market rental rate. If a guarantor is needed, they must meet the entire qualifying criteria as presented herein. The guarantor must pay an application processing fee and sign the Guarantor Addendum..


CRIMINAL HISTORY A criminal background screening will be conducted for all applicants including Felony and Misdemeanor convictions and charges. The following offenses including Deferred, Convictions, Charges, and Sex Offender Registrants will result in automatic denial.
Crimes Against Person involving Assault, Homicide, Kidnapping, and Sex related: Felony convictions within 50 years and charges pending trial within 5 years, Misdemeanor convictions within 10 years and charges pending trial within 5 years.
Crimes Against Property involving Arson, Burglary, Motor Vehicle Theft, Counterfeiting, Embezzlement, Extortion, Fraud, Robbery, Stolen Property, Destruction of property: Felony convictions up to 15 years and charges pending trial up to 5 years, Misdemeanor convictions up to 5 years and charges pending up to 3 years.
Crimes Against Society involving Obstruction of the Law, Disorderly conduct, Drunkenness, DUI, Liquor Law, Pornography, Prostitution, Traffic, Trespassing, Drugs, Weapons, Peeping Tom: Felony convictions up to 15 years and charges pending trial up to 5 years, Misdemeanors involving Drugs, Weapons, Peeping Tom convictions up to 5 years and charges pending trial up to 3 years.
Offenses involving Drug/Narcotic Sale or Manufacture; Felony convictions within 50 years, charges pending trial within 5 years, Misdemeanor convictions within 10 years, charges pending trial within 3 years.


PETS Pet restrictions vary at each community. If you have pets, please see your leasing representative for more information.



Rental Scoring and Your Rental Application


We rely upon a "Rental Score" to estimate the relative financial risk of leasing an apartment to you. In addition to estimating risk, rental scores are an objective and consistent way of reviewing relevant applicant information, and help speed the application approval process.


How is my rental score determined?
Rental scoring systems assign points to certain factors identified as having a statistical correlation to future financial lease performance. Your rental score results from a mathematical analysis of information found in your credit report, application data, and previous rental history. Such information may include your bill-paying history, the number and type of accounts you have, collection actions, outstanding debt, and the number of inquiries in your consumer report. The final number, or rental score, represents an estimated level of risk as compared to the performance of other consumers in a range of scores.
Because your rental score is based upon real data and statistics, it is more reliable than subjective methods of evaluating your information. Rental scoring treats all applicants consistently and impartially. Additionally, your rental score never uses certain characteristics like-- race, color, sex, familial status, handicap, national origin, or religion as factors.


What can I do to improve my rental score?
Your rental score may change based upon changes of the underlying information. The total improvement, however, generally depends on how that factor relates to other factors considered by the scoring system. Nevertheless, to improve your rental score, concentrate on paying your bills on time, paying down outstanding balances, and not taking on new debt.


NOTIFICATION OF DENIAL OR CONDITIONAL APPROVAL
You have a right under the Fair Credit Reporting Act to a free copy of your consumer report from CoreLogic SafeRent, LLC, the reporting agency used by South Oxford Management, LLC to evaluate your background information if the request is made no later than 60 days after you receive notification of a denial or conditional approval. In evaluating your application, information obtained from or through CoreLogic SafeRent, LLC, which may include credit information or consumer information from one or more of the credit bureaus or consumer reporting agencies, may have influenced South Oxford Management, LLC decision in whole or in part. These consumer-reporting agencies and/or credit bureaus DID NOT make the decision to take adverse action and are unable to provide specific reasons why adverse action was taken.


Privacy Policy for Personal Information of Rental Applicants and Residents


We are dedicated to the protecting the privacy of your personal information, including your Social Security Number and other identifying or sensitive personal information. Our policy and procedures are designed to help ensure that your information is kept secure, and we work to follow all federal state laws regarding the protection of your personal information. While no one can guarantee against identity theft or the misuse of personal. protecting the information you provide us is a high priority to our company and staff. If you ever have concerns about this issue. please feel free to share them with us.


How personal information is collected. You will be asked to furnish some of your personal information when you apply to rent from us. This information will be on the rental application form or other document that you provide to us or to an apartment locator service, either on paper or electronically.


How and when information is used. We use th is information only for our business purposes leasing a dwelling to you. Examples of these uses include, but are not limited to. verifying statements made on your rental application (such as your rental. credit and employment history}. and reviewing your lease for renewal and enforcing your lease obligations (such as to obtain payment for money you may owe us in the future.


How the information is protected and who has access. We allow only authorized persons to have access to your personal information, and we keep documents and electronic records containing this information in secure areas and systems.


How the information is disposed of. After we no longer need or are required to keep your personal information, we will store or destroy it in a manner designed to prevent unauthorized persons from accessing it. Our disposal methods will include shredding, destruction or obliteration of paper documents and destruction of electronic files.


Locator Services. If you found us through a locator service, please be aware that locator services are independent contractors and are not our employees or agents-even though they may initially process rental applications and fill out lease forms. You should require any locator services you use to furnish you their own privacy policies.


Please choose "I Agree" to continue to the application.


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