Step 1 - Employment Verification Notes

Employment Verification:

• Apartment provides copies of pay stubs or other documentation.  You must have two of the most recent pay periods.  If there is an hourly wage on the stub, calculate hourly wage x 40 x 4.3 to get monthly income, if they are full time.  If they are on salary and are paid bi-monthly multiply by 2.  If they are paid every two weeks, divide by 2 then multiply by 4.3.

• If they are part time use actual amount on pay stub.

• If there is more than one applicant, you may combine incomes to make the 3x rent rule though both credits must be o.k.

• If the wife’s credit is terrible and you are going to qualify the tenants on the husband’s credit, you cannot count her income in the rental calculation.

• Sporadic work history is defined as 3 or more jobs in the past year or working less than 8 months in the past year – deny.

• If they are working at or through a temporary agency, investigate further.

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