Our general guidelines to qualify are that you have a legal and verifiable income of at least three times the monthly rent, two recent years of favorable rental references or ownership and at least two lines of positive credit established with a creditor who reports to a credit agency. Negative rental references or lack of employment references may keep an application from being approved. Income must be verifiable and legal to count. Wage statements from your employer, signed tax returns, social security, welfare payments, retirement income, investment income, student loans and grants, and food stamps are some legal sources of income. If self-employed, we may require a copy of your two most recent tax returns and six months prior bank statements.