EMPLOYMENT - Applicants must provide proof of current employment. If you have changed employment in the past six months, you also will need to show a minimum of six consecutive months of verifiable employment with one employer in the past 12 months. Length of employment must be verified by either supervisory personnel or by the Human Resources Department of your current and past employers.

SELF-EMPLOYMENT / RETIREMENT - If you are self-employed or retired you must provide proof of income and/or you ability to pay rent for the term of the lease by furnishing copies of federal income tax returns filed for the past two years, a current certified financial statement, and/or photocopies of your three most recent bank statements.

CREDIT HISTORY - An extensive, negative credit history is grounds for the denial of application.

Negative credit history includes but is not limited to any of the following:

• any judgment not remedied and/or any foreclosure real estate not included in bankruptcy;

• more than two credit or installments accounts that have been past due for more than 90 days within the past 12 months;

• more than two accounts that are currently in collection; any open collection account from a utility, telephone service, or cable company.

• any repossession of material or personal property that is not being repaid, except when part of a bankruptcy, separation, or divorce;

• any suit pending or not remedied;

• more than three NSF (insufficient funds) checks within the past 12-month period.

• higher security deposits may be required.