1) What are the Income Requirements and What Documents will I need?
Income Requirements & Documents PolicyApplicants with undocumented income will be denied. Furthermore, applicants trying to falsify proof of income will be automatically declined. We are looking for CONTINUOUS, VERIFIABLE income to ensure regular and timely payment of rent. Applicants must be employed at time of application.Verifiable income is listed below. Undocumented income means you are not able to produce a check stub, a W-2, or a copy of tax return or an official statement of disability or other type of government benefit.90 days worth of pay stubs. If you are paid weekly, that would be 12, bi-weekly - 6, and monthly - 3.Check stubs MUST BE from a legitimate company or payroll service (we check!)Employer letters must be on company letterhead and include company logo, date, your name, new position description, pay rate, location where you'll be working, contact information for your immediate supervisor and must be signed by a representative of the company with phone number and company email address. (any variations will not be accepted)Self Employed individuals need most recent 2 years of Tax Returns (must match the rest of your proof of income) and at a minimum most recent six months of bank statements, the company also needs to be registred at the GA Secretary of State or a Business License from the county needs to be provided as proof of doing business. If you are self employed, your company must be a legitimate business entity. Your company must show "ACTIVE" at the Secretary of State web site in the state of Georgia or "Active" at the county business office.IF YOU ARE SELF EMPLOYED: 1099's without a tax return do not count towards your gross income requirement and are not considered income for qualification purposes.UBER & LYFT drivers need to provide a minimum of six months history of rides and payments from either company, 2 years of most recent tax returns and six months of bank statements showing deposits from those two companies.We reserve the right to review all outstanding debts when determining our credit decision.Official SSI Letters, Court Ordered Child Support, Court Ordered Alimony, VA Benefits Letters, Pension Letters - must be for current year. All documents from those organizations must be signed and show current year benefits.Self printed pay stubs do not qualify as proof of incomeBank statements alone do not qualify as proof of income.Unemployment Benefits to not count towards your gross income requirement and are not considered income for qualification purposes.Applicants must be employed at time of application.Undocumented income or cash income does not count towards your gross income requirement and is not considered income for qualification purposes.We do not allow home businesses such as elderly care, child care or care of the disabled in any one of the properties that we manage. Our owners insurance company strictly prohibits those businesses on the properties. Homes that are managed by us are meant for NORMAL living situations.Your Gross income must be greater than .28 times the rent amount for any financially responsible applicant. There are no exceptions. (to get your monthly required amount, take the rent amount and divide by .28 or$of rent /.28=Your Required Monthly Income

2) What kind of Proof of Identity do I need?
ID Requirements PolicyForms of ID we require and accept are as follows:You must provide an actual copy of your social security card as well as one CURRENT form of ID listed below. Expired documents will not suffice. Documents must match your information that is in the application. No exceptions.We accept the following forms of IDA Current Driver's License give from the state where you have lived for the past six months. Also, your driver's license must be it be at least six months prior to expiration date.A Current United States Passport with an expiration date of NO LESS than the lease termA Current Green CardA Current Military IDA Current State Issued ID card from the state where you have lived for the past six monthsPhotographs and text in the CURRENT ID must be clearly visible and sharp to be able to be easily readable.If an applicant does not have his or her social security card, the individual will need to follow these requirements:Sample of the form required can be seen here. No other form will be accepted. Form must be filled out by Social Security Administration staff and have a signature stamp.Go to your local Social Security Administration Office to submit request on Form SSA-3288. Provide verifiable support documentation that you have requested the card by providing the filled out ans stamped form SSA-3288.ALH Podland Realty can not process your application without verifying your social security number. The number must be present on form SSA-3288 from the Social Security Administration to confirm it is you.Forms of ID that are NOT acceptedA Temporary State Issued ID Card or a Temporary State Issued ID Card from a different state with an expiration date of less than the lease termAn Expired Temporary State Issued ID Card from ANY stateA Temporary Driver's License with an expiration date of less than the lease termINS Temporary Work Permit with an expiration date of less than the lease termTax ID number in lieu of a Social Security CardAny State or Federally Issued ID without your photographWhat We Look For In Your DocumentsA Valid Social Security CardYour ID information must match what is on your applicationDates of employment must match what is on your applicationResidence dates must match what is on your applicationExpired ID's will not suffice as proof of IDTemporary documents such as work permitsTax ID numbers do not suffice and are not a replacement for the Social Security CardStatements made and information provided on your application MUST match your identification information, legal status in the United States, residence history,Before your application is processed, those forms of ID must be presented to us for review. If we are unable to match your ID information to what is on the application, your application will be denied.

3) What if I had Disposessories or Evictions, What is the Policy?
Rental/Mortgage History PolicyALH|Podland Realty requires written Verification of Rental History from a prior landlord or Verification of Mortgage (VOM) on all Primary Applicants and others financially responsible for rent payments. Primary Applicant must have a minimum of 12 months positive rental or mortgage history within the past 36 months. If a previous landlord cannot be contacted, 12 consecutive months of proof of payment must be provided plus, a copy of a signed lease agreement must be provided. Sublease documents are not considered a part of rental history and will not be reviewed. Applicants not having verifiable rental history will have to have a co-signer and pay a total deposit equal to two and a half months rent, providing a score of 70 or above is achieved within the scoring system.Life Happens, so ALH|Podland Realty will not decline prospective tenants with the following criteriaOne dispossessory filing in a period of four (4) years will not disqualify prospects from renting if they meet the following criteria:Dispossessory filing has been done only once during a four-year period of residencyCase should be dismissed by the landlord without prejudiceAll other documents must be in orderProspect needs to score a minimum of 70 points on the scoring systemA two (2) months security deposit will be requiredYour Application may be Declined for any of the following reasons:Outstanding debt to a previous landlord or an outstanding NSF check not paid in full;No Credit Score and No Approved CosignerDocuments that can not be verifiedA breach of a prior lease or a prior disposessory filing on any applicant or occupant who is in the process of eviction (that means that a disposessory has been filed in the courts);More than 3 late payments and/or 2 NSFs within the past 12 months;Documented complaints or damages from previous landlords.Falsifying Rental HistorySubleasing without a written agreementTwo or more lease violations in one calendar yearAutomatic denial to anyone with a prior history of disposessory filings that were NOT dismissed by the landlord at any point in time within 4 previous years, any evictions within the past four (4) years, landlord lawsuits at any point in time or judgements for non-payment of rent. Eviction Judgements that have been paid off to landlord will be reviewed AFTER a period of 4 years.What is a Dispossessory? A dispossessory action/filing refers to eviction proceedings brought by a landlord against a tenant. It's a filing in court, in the county where the property is located, asking the court to issue a Writ of Posession. A writ of possession is issued to evict an occupant from the property and then it becomes an eviction. The most basic way to describe eviction is “Dispossession of a tenant by a landlord. An expulsion by the assertion of a paramount title or by process of law. A physical expulsion is not always necessary; any disturbance in or deprivation or loss of possession by the tenant is sufficient to constitute eviction.”

4) What is the Credit Score that I need?
Credit & Other Restrictions Policy-The minimum credit score requirement is listed on each property description page under Tenant Requirements Section.If you did not provide supporting documents to ALH|Podland Realty within 72 hours from application date, your application will be deniedIf you falcified any information on the application or supporting documents, your application will be deniedIf you have an active no credit score and a cosigner that will be approved based on our cosigner criteria, your application will be deniedIf you have an active bankruptcy, your application will be deniedIf you have a bankruptcy of less than four years from discharge date, your application will be denied. Applicants with bankruptcy of over 4 years will be reviewed based on the the rest of credit requirements and qualification criteriaIf you can not prove your income based on our specifications, your application will be deniedIf you have disposessory actions or landlord law suits in your history that are less than 10 years old, your application will be deniedIf you have evictions on your record that are less than 4 years, your application will be deniedIf one applicant within a group (family, roommates, unrelated individuals, friends, boyfriend-girlfriend, etc.) is denied for prior evictions, dispossessory filings, landlord lawsuits or judgements for non-payment of rent, THE WHOLE GROUP WILL BE DENIED.A credit report will be completed on all adults (18 years of age and older) leaseholders as well as occupants to verify credit worthiness and to check back ground information. We will also perform a search of Landlord/Tenant Court records and a Criminal Activity check.Credit score requirements are different based on different properties and property owners. An actual credit score requirement will be listed on the property flier for each particular property. Applicants with NO CREDIT SCORE will be denied.

5) I Don't Have Pay Stubs or Last Two Years of Tax Returns, Can I still Get a House?
Applicants With Undocumented Income PolicyApplicants with undocumented income will be denied. Furthermore, applicants trying to falsify proof of income will be automatically declined. We are looking for CONTINUOUS, VERIFIABLE income to ensure regular and timely payment of rent.Verifiable income is listed below. Undocumented income means you are not able to produce a check stub, a W-2, or a copy of tax return or an official statement of disability or other type of government benefit.90 days worth of pay stubs. If you are paid weekly, that would be 12, bi-weekly - 6, and monthly - 3.Check stubs MUST BE from a legitimate company or payroll service (we check!)1099's, W-2's, most recent 2 years of Tax Returns (must match the rest of your proof of income)We reserve the right to review all outstanding debts when determining our credit decision.SSI Letters, Court Ordered Child Support, Court Ordered Alimony, VA Benefits Letters, Pension Letters - all must be for current year.Self printed pay stubs do not qualify as proof of incomeBank statements alone do not qualify as proof of income.