This community uses a statistically sound credit scoring system to evaluate your consumer credit report. Credit scoring is based on real data and statistics so all applicants are treated objectively. Your credit report contains information about you and your credit experiences including your bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, rental history and the age of your accounts. Using a statistical program, your information is compared to the credit performance of other applicants with similar profiles which allows us to predict how likely it is that you will pay your rent on time. ConAm's credit service provider also checks related data sources which include the FBI and U.S. Treasury lists of individuals wanted for direct involvement or support of terrorist activities. Based on your credit score and related data source information, your application will be either accepted (pending program verifications) or be declined. If your application is denied, you will be given the name, address and telephone number of the consumer reporting agencies, which provided your consumer information to us.

Occupancy Guidelines:

• Studio - maximum 2
• One Bedroom - maximum 3
• Two Bedroom - maximum 5
• Three Bedroom - maximum 7
• Four Bedroom - maximum 9
  

HCD/HUD communities also have minimum occupancy requirements as follows:

• Studio - minimum 1
• One Bedroom - minimum 1
• Two Bedroom - minimum 2
• Three Bedroom - minimum 3 (HUD) - minimum 4 (HCD)
• Four Bedroom - minimum 4 (HUD) - minimum 5 (HCD)

All applicants must comply with the following income requirements:

Within 72 hours of interviewing and applying for rental, income must be verified by providing documents such as: Pay stubs covering 3 months, court ordered spousal or child support, prior year's W-2, Social Security, AFDC, Gl benefits, pensions, disability income, trust income, dividend income, or other sources of regular income and asset verification (if applicable).

Income received annually will be averaged over 12 months. Gross earned annual income for all adult household members and unearned income for all household members is combined and entered into the credit-scoring model for each applicant. Gross monthly income of combined applicants must be a minimum of 1.5 or 2.0 (circle the applicable amount for this community) times the scheduled rent of the unit being leased for the Sec 42 LIHTC program. The gross income can not exceed the current allowable AMI percentage for the apartment they are applying for.

Resident History will be checked for the past 24 months. Any negative history, outstanding balance, unlawful detainer action and/or eviction on record will result in a denial.

Co-signers/Guarantors are permitted in specific instances, per apartment community/program policies. When a co-signer/guarantor is accepted, the co-signer/guarantor must apply and be qualified as a resident. Guarantors and co-signers have full financial responsibility under the lease.

A criminal background check will be conducted for each applicant. The criminal search will be processed for all addresses at which the applicant(s) has resided over the previous forty-eight (48) months. The application will be rejected for any of the following reported criminal related reasons:

• Any Felony Convictions within the seven (7) years prior to the application date.
• Any Drug related convictions, including Petty Offenses within seven (7) years prior to the application date.
• Any Prostitution related convictions (Felony/Misdemeanor) within the seven (7) years prior to the application date.
• Any of the above related changes resulting in "Adjudications Withheld" and/or "Deferred Adjudication". Active Status on Probation or Parole resulting from any of the above within the seven (7) years prior to the application date.
• Any Terrorism Related convictions (felony/Misdemeanor) - NO TIME LIMIT
• Any Sex related convictions (Felony/Misdemeanor) - NO TIME LIMIT