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Resident Selection Guidelines

Resident Selection Guidelines - Kentucky/Indiana - Revised 6/22/2019

Alltrade Property Management is a property management company dedicated to providing quality housing to its residents by managing the property in an efficient and diligent manner. It is the policy of Alltrade Property Management to provide housing on an equal opportunity basis. We do not discriminate on any basis including, but not limited to race, religion, color, sex, familial status, national origin, handicap, disability or sexual orientation.

Application Process:

  1. If an applicant seeks reconsideration within thirty (30) days of denial, no additional application fee will be due but additional time may be needed to process the application.
  2. While Alltrade accepts written applications, to expedite the process, Alltrade prefers applicants to file applications online through Alltrade’s website: alltradeproperties.com
  3. Alltrade will not waive application fees upon request from any individual or organization. Application fees will only be waived if there is a publicly advertised special waiving application fees.

Application Submission

  1. A rental application is not considered complete until it has been signed and all required documentation has been submitted.
  2. An applicant must answer all questions on the form completely and honestly. Incomplete applications will not be processed.
  3. Alltrade will verify your household’s income, employment, check your credit report through AmRent or other similar service, perform background check and verify there are no disqualifying factors. If necessary, Alltrade may verify employment and/or rental history.
  4. If any of the verifications do not confirm that you meet Alltrade’s criteria, Alltrade will decline your application.
  5. We will strive to process all applications within two business days, provided we have received all required application documentation. However, it may take up to several days depending on how quickly Alltrade is able to verify the information you have provided.
  6. If an application is denied, an applicant will be notified in writing and will be provided the reason(s) that the application was denied.
  7. All applicants have a right to a copy of their screening results for up to 60 days after the time of screening. Applicants must obtain this report from the screening provider directly.

Approved and Conditional Applications

  1. Alltrade will accept a security deposit to reserve a unit from the first qualified applicant with a conditional or approved application. The first security deposit received will reserve the unit.
  2. Alltrade will continue to accept and process applications on a unit until a security deposit is received.
  3. Once an applicant is accepted, the security deposit is due immediately to secure the unit. At that time, a move in date is scheduled.
  4. Deposits are non-refundable to residents who opt not to take a unit. An applicant will sign a document indicating that the deposit is not refundable if the applicant does not sign a lease and/or take possession of the unit.
  5. If an application is found to fall within the range determined to be conditional, an applicant may be counteroffered arrangements including a higher security deposit, the addition of a qualified co-signer, or an alternative unit which fits the rent to income ration criteria.

Application Screening Criteria

Screening criteria will be applied consistently to all applicants. Consideration of extenuating circumstances will be considered in the screening process, but must be approved by a Regional Manager.

All applications will be reviewed to make sure the applicants meet Alltrade’s criteria for each of the following:

  1. Income/Debt;
  2. Credit history;
  3. Criminal history; and
  4. No other automatic disqualifiers.

Income/Debt

  1. For conventional properties, Alltrade will evaluate the application based on the combined net household income (take home pay) of the applicants.
    1. For Low Income Housing Tax Credit properties, Alltrade will evaluate the application based on the combined gross household income of the applicants and in accordance with Federal, State and Local income guidelines.
  2. An applicant’s net income must be at least three (3) times the rental amount on the requested unit. This is called the rent to income ratio and is calculated by dividing the income by the rent. For example, if a person is applying for a conventional apartment renting for $500.00 and makes $1,600.00 take home pay, the rent to income ratio is $1,600.00/$500.00 = 3.2.
    1. For Low Income Housing Tax Credit properties, the rent to income ratio is determined based using gross household income.
  3. If an applicant has a rent to income ratio of 2.5 – 2.99, the applicant will be considered conditional and must complete a landlord verification.
  4. An applicant with less than a 2.5 rent to income ratio will be denied unless the applicant has a housing voucher or other stable and documentable rental assistance that covers the duration of the lease. These instances must be approved by a Regional Manager.

Credit History

Priority will be given to current credit activity over older credit activity. All rental obligations and utilities must be paid in full. Medical bills and student loans will not be considered when examining credit history. Lack of credit history is not an automatic disqualification.

Automatic Credit History Disqualifiers:

  1. Any open bankruptcy or any bankruptcy within the previous three (3) years;
  2. Any unpaid apartment collection or previous rent;
  3. Inability to put utilities in the applicant’s name;
  4. Any eviction judgement within the last seven (7) years. Documentation from a plaintiff in an eviction action confirming the eviction was dismissed and all debts were paid will be taken into consideration when processing the application.
  5. Any false or misleading information provided by an applicant on the written application, or omission of a material fact.
  6. Records of destruction, consistent late or unpaid rental obligations, evictions, police activity or poor housekeeping habits resulting in health and safety hazards are grounds for rejection.
  7. Credit scores of 500 or less
  8. Credit scores between 501 and 549 are considered conditional

Criminal History Admissions Criteria

Alltrade has established a policy to reject all applications where the applicant or any household member has been convicted of certain criminal activity. For all applications considered conditional, Alltrade staff will conduct an individualized assessment. Applicants have a right to request a reasonable accommodation. Applicants may submit with the application evidence of mitigating circumstances, if the admissions criteria provides for an individualized assessment of the applicant’s specific criminal activity. The activities that will be grounds for rejection of an application are as follows:

  1. Any felony conviction or adjudication other than acquittal within ten (10) years, which involved drunk driving, burglary, robbery or serious crime of against a person or property.
  2. Any conviction or adjudication other than acquittal within five (5) years for any acts of perpetrating domestic violence.
  3. Any conviction or adjudication other than acquittal within three (3) years for the sale, distribution or manufacture of any controlled or illegal substance other than marijuana.
  4. Any conviction or adjudication other than acquittal within three (3) years involving illegal use or possession of any controlled or illegal substance other than marijuana.
  5. Any conviction or adjudication other than acquittal, for any sexual offense. If during the applicant’s lease Alltrade discovers anyone in the household has been placed on the sex offender registry; legal proceedings will begin to terminate the tenancy.
  6. Any conviction or adjudication other than acquittal, which involved bodily harm to a child.
  7. Lifetime sex offenders.

Occupancy Standards

Our goal is to prevent overcrowding and undue wear and tear to rental properties. Alltrade will abide by the state occupancy standards regarding square footage relative to the number of people who may reside in a property. We use the general guidelines below. However, applicants have a right to request a reasonable accommodation.

Bedroom SizeMaximum persons per household
01
12
24
36

Co-Signers

If an applicant does not meet one or more of the above criteria, they may still be eligible for a rental unit if they can get a third-party to guarantee the lease. “Co-signers or “Guarantors” must be related to at least one of the applicants. It is preferable that co-signers reside in the same state as the applicants. The co-signer must submit a written application along with the application fee and must pass the criteria of the screening process as any other applicant. The income to rent ratio must be (six) 6 times the rent. If the co-signer cannot come to an Alltrade office in person, the signed application must be notarized. All co-signers must be approved by a Regional Manager. A co-signer will be a leaseholder and will be required to sign a lease agreement and uphold all obligations outlined in the lease. If the co-signer cannot come to an Alltrade office in person, the signed lease must be notarized.

Refugee Status

Applicants who have refugee status and/or are receiving case management services and/or rental assistance through a recognized social service agency will not be required to submit an application. We will require a copy of each family member’s I-9 at the time of arrival in the unit.

Appeals and Grievances

If anyone believes that an act of discrimination has occurred, please refer to Alltrade’s Grievance Policy found on Alltrade’s website. You may submit your grievance in writing or send a request for a copy of Alltrade’s Grievance Policy to info@alltradeproperties.com.

Applicants who are denied will be allotted fourteen (14) days to dispute the denial. To dispute the denial of an application, the applicant must submit the dispute in writing or request a meeting in writing within 14 days.

Resident Selection Guidelines - North Carolina - Revised 9/19/2019

Alltrade Property Management is a property management company dedicated to providing quality housing to its residents by managing the property in an efficient and diligent manner. It is the policy of Alltrade Property Management to provide housing on an equal opportunity basis. We do not discriminate on any basis including, but not limited to race, religion, color, sex, familial status, national origin, handicap, disability or sexual orientation.

Application Process

  1. If an applicant seeks reconsideration within thirty (30) days of denial, no additional application fee will be due but additional time may be needed to process the application.
  2. While Alltrade accepts written applications, to expedite the process, Alltrade prefers applicants to file applications online through Alltrade’s website: alltradeproperties.com
  3. Alltrade will not waive application fees upon request from any individual or organization. Application fees will only be waived if there is a publicly advertised special waiving application fees.

Application Submission

  1. A rental application is not considered complete until it has been signed and all required documentation has been submitted.
  2. An applicant must answer all questions on the form completely and honestly. Incomplete applications will not be processed.
  3. Alltrade will verify your household’s income, employment, check your credit report through AmRent or other similar service, perform background check and verify there are no disqualifying factors. If necessary, Alltrade may verify employment and/or rental history.
  4. If any of the verifications do not confirm that you meet Alltrade’s criteria, Alltrade will decline your application.
  5. We will strive to process all applications within two business days, provided we have received all required application documentation. However, it may take up to several days depending on how quickly Alltrade is able to verify the information you have provided.
  6. If an application is denied, an applicant will be notified in writing and will be provided the reason(s) that the application was denied.
  7. All applicants have a right to a copy of their screening results for up to 60 days after the time of screening. Applicants must obtain this report from the screening provider directly.

Approved and Conditional Applications

  1. Alltrade will accept a security deposit to reserve a unit from the first qualified applicant with a conditional or approved application. The first security deposit received will reserve the unit.
  2. Alltrade will continue to accept and process applications on a unit until a security deposit is received.
  3. Once an applicant is accepted, the security deposit is due immediately to secure the unit. At that time, a move in date is scheduled.
  4. Deposits are non-refundable to residents who opt not to take a unit. An applicant will sign a document indicating that the deposit is not refundable if the applicant does not sign a lease and/or take possession of the unit.
  5. If an application is found to fall within the range determined to be conditional, an applicant may be counteroffered arrangements including a higher security deposit, the addition of a qualified co-signer, or an alternative unit which fits the rent to income ration criteria.

Applicant Screening Criteria

Screening criteria will be applied consistently to all applicants. Consideration of extenuating circumstances will be considered in the screening process, but must be approved by a Regional Manager.

All applications will be reviewed to make sure the applicants meet Alltrade’s criteria for each of the following:

  1. Income/Debt;
  2. Credit history;
  3. Criminal history; and
  4. No other automatic disqualifiers.

Income/Debt

  1. For conventional properties, Alltrade will evaluate the application based on the combined ​net​ household income (take home pay) of the applicants.
    • For Low Income Housing Tax Credit properties, Alltrade will evaluate the application based on the combined ​gross​ household income of the applicants and in accordance with Federal, State and Local income guidelines.
  2. An applicant’s ​net​ income must be at least three (3) times the rental amount on the requested unit. This is called the rent to income ratio and is calculated by dividing the income by the rent. For example, if a person is applying for a conventional apartment renting for $500.00 and makes $1,600.00 take home pay, the rent to income ratio is $1,600.00/$500.00 = 3.2.
    • For Low Income Housing Tax Credit properties, the rent to income ratio is determined based using ​gross household income.
  3. If an applicant has a rent to income ratio of 2.5 – 2.99, the applicant will be considered conditional and must complete a landlord verification.
  4. An applicant with less than a 2.5 rent to income ratio will be denied unless the applicant has a housing voucher or other stable and documentable rental assistance that covers the duration of the lease. These instances must be approved by a Regional Manager.

Credit History

Priority will be given to current credit activity over older credit activity. All rental obligations and utilities must be paid in full. Medical bills and student loans will not be considered when examining credit history. Lack of credit history is not an automatic disqualification.

Automatic Credit History Disqualifiers

  1. Any open bankruptcy or any bankruptcy within the previous three (3) years
  2. Any unpaid apartment collection or previous rent
  3. Inability to put utilities in the applicant’s name
  4. Any eviction judgment within the last seven (7) years. Documentation from a plaintiff in an eviction action confirming the eviction was dismissed and all debts were paid will be taken into consideration when processing the application
  5. Any false or misleading information provided by an applicant on the written application, or omission of a material fact
  6. Records of destruction, consistent late or unpaid rental obligations, evictions, police activity or poor housekeeping habits resulting in health and safety hazards are grounds for denial of the application.
  7. Credit scores of 500 or less
  8. Credit scores between 501 and 549 are considered conditional

Criminal History Admissions Criteria

Alltrade has established a policy to deny all applications where the applicant or any household member has been convicted of certain criminal activity. For all applications considered conditional or denied due to criminal history, Alltrade staff will conduct an individualized assessment. Applicants have a right to request a reasonable accommodation. Applicants may submit with the application evidence of mitigating circumstances, if the admissions criteria provides for an individualized assessment of the applicant’s specific criminal activity. The activities that will be grounds for denial of the application are as follows:

  1. Any violent felony conviction or adjudication other than acquittal within seven (7) years. If more than seven (7) years but less than ten (10) years, the application will be considered conditional. A violent felony is a Class A, B, C, D, E, F and G felony or any felony requiring registration on the sex offender registry.
  2. Any non-violent felony offense resulting in conviction or adjudication other than acquittal within five (5) years. If more than five (5) years but less than seven (7) years, the application will be considered conditional. A non-violent felony is a Class H or I felony.
  3. Any conviction or adjudication other than acquittal within five (5) years for the sale, distribution or manufacture of any controlled or illegal substance other than marijuana. If more than five (5) years but less than ten (10) years, the application will be considered conditional.
  4. Any violent misdemeanor offense resulting in conviction or adjudication other than acquittal within five (5) years. If more than five (5) years but less than ten (10) years, the application will be considered conditional. A violent misdemeanor is a Class A1 misdemeanor or a misdemeanor requiring registration on the sex offender registry.
  5. Any non-violent misdemeanor offense resulting in conviction or adjudication other than acquittal within two (2) years. If more than two (2) years but less than five (5) years, the application will be considered conditional. A non-violent misdemeanor is a Class 1,2 or 3 misdemeanor.
  6. Any conviction or adjudication other than acquittal, for any sexual offense. If during the applicant’s lease Alltrade discovers anyone in the household has been placed on the sex offender registry; legal proceedings will begin to terminate the tenancy.
  7. Any conviction or adjudication other than acquittal, which involved bodily harm to a child.
  8. Lifetime sex offenders.

Occupancy Standards

Our goal is to prevent overcrowding and undue wear and tear to rental properties. Alltrade will abide by the state occupancy standards regarding square footage relative to the number of people who may reside in a property. We use the general guidelines below. However, applicants have a right to request a reasonable accommodation.

Bedroom SizeMaximum persons per household
01
12
24
36

Co-Signers

If an applicant does not meet one or more of the above criteria, they may still be eligible for a rental unit if they can get a third-party to guarantee the lease. “Co-signers or “Guarantors” must be related to at least one of the applicants. It is preferable that co-signers reside in the same state as the applicants. The co-signer must submit a written application along with the application fee and must pass the criteria of the screening process as any other applicant. The income to rent ratio must be (six) 6 times the rent. If the co-signer cannot come to an Alltrade office in person, the signed application must be notarized. All co-signers must be approved by a Regional Manager. A co-signer will be a leaseholder and will be required to sign a lease agreement and uphold all obligations outlined in the lease. If the co-signer cannot come to an Alltrade office in person, the signed lease must be notarized.

Refugee Status

Applicants who have refugee status and/or are receiving case management services and/or rental assistance through a recognized social service agency will not be required to submit an application. We will require a copy of each family member’s I-9 at the time of arrival in the unit.

Appeals and Grievances

If anyone believes that an act of discrimination has occurred, please refer to Alltrade’s Grievance Policy found on Alltrade’s website. You may submit your grievance in writing or send a request for a copy of Alltrade’s Grievance Policy to ​info@alltradeproperties.com​.

Applicants who are denied will be allotted fourteen (14) days to dispute the denial. To dispute the denial of an application, the applicant must submit the dispute in writing or request a meeting in writing within 14 days.

Resident Selection Guidelines - Garden Grove, AL

Alltrade Property Management is a property management company dedicated to providing quality housing to its residents by managing the property in an efficient and diligent manner. It is the policy of Alltrade Property Management to provide housing on an equal opportunity basis. We do not discriminate on any basis including, but not limited to race, religion, color, sex, familial status, national origin, handicap, disability or sexual orientation.

Application Process

  1. If an applicant seeks reconsideration within thirty (30) days of denial, no additional application fee will be due but additional time may be needed to process the application.
  2. While Alltrade accepts written applications, to expedite the process, Alltrade prefers applicants to file applications online through Alltrade’s website: alltradeproperties.com
  3. Alltrade will not waive application fees upon request from any individual or organization. Application fees will only be waived if there is a publicly advertised special waiving application fees.

Application Submission

  1. A rental application is not considered complete until it has been signed and all required documentation has been submitted.
  2. An applicant must answer all questions on the form completely and honestly. Incomplete applications will not be processed.
  3. Alltrade will verify your household’s income, employment, check your credit report through AmRent or other similar service, perform background check and verify there are no disqualifying factors. If necessary, Alltrade may verify employment and/or rental history.
  4. If any of the verifications do not confirm that you meet Alltrade’s criteria, Alltrade will decline your application.
  5. We will strive to process all applications within two business days, provided we have received all required application documentation. However, it may take up to several days depending on how quickly Alltrade is able to verify the information you have provided.
  6. If an application is denied, an applicant will be notified in writing and will be provided the reason(s) that the application was denied.
  7. All applicants have a right to a copy of their screening results for up to 60 days after the time of screening. Applicants must obtain this report from the screening provider directly.

Approved and Conditional Applications

  1. Alltrade will accept a security deposit to reserve a unit from the first qualified applicant with a conditional or approved application. The first security deposit received will reserve the unit.
  2. Alltrade will continue to accept and process applications on a unit until a security deposit is received.
  3. Once an applicant is accepted, the security deposit is due immediately to secure the unit. At that time, a move in date is scheduled.
  4. Deposits are non-refundable to residents who opt not to take a unit. An applicant will sign a document indicating that the deposit is not refundable if the applicant does not sign a lease and/or take possession of the unit.
  5. If an application is found to fall within the range determined to be conditional, an applicant may be counteroffered arrangements including a higher security deposit, the addition of a qualified co-signer, or an alternative unit which fits the rent to income ration criteria.

Applicant Screening Criteria

Screening criteria will be applied consistently to all applicants. Consideration of extenuating circumstances will be considered in the screening process, but must be approved by a Regional Manager.

All applications will be reviewed to make sure the applicants meet Alltrade’s criteria for each of the following:

  1. Income/Debt;
  2. Credit history;
  3. Criminal history; and
  4. No other automatic disqualifiers.

Income/Debt

  1. For conventional properties, Alltrade will evaluate the application based on the combined ​net​ household income (take home pay) of the applicants.
    • For Low Income Housing Tax Credit properties, Alltrade will evaluate the application based on the combined ​gross​ household income of the applicants and in accordance with Federal, State and Local income guidelines.
  2. An applicant’s ​net​ income must be at least three (3) times the rental amount on the requested unit. This is called the rent to income ratio and is calculated by dividing the income by the rent. For example, if a person is applying for a conventional apartment renting for $500.00 and makes $1,600.00 take home pay, the rent to income ratio is $1,600.00/$500.00 = 3.2.
    • For Low Income Housing Tax Credit properties, the rent to income ratio is determined based using ​gross household income.
  3. If an applicant has a rent to income ratio of 2.5 – 2.99, the applicant will be considered conditional and must complete a landlord verification.
  4. An applicant with less than a 2.5 rent to income ratio will be denied unless the applicant has a housing voucher or other stable and documentable rental assistance that covers the duration of the lease. These instances must be approved by a Regional Manager.

Credit History

Priority will be given to current credit activity over older credit activity. All rental obligations and utilities must be paid in full. Medical bills and student loans will not be considered when examining credit history. Lack of credit history is not an automatic disqualification.

Automatic Credit History Disqualifiers

  1. Any open bankruptcy or any bankruptcy within the previous three (3) years
  2. Any unpaid apartment collection or previous rent
  3. Inability to put utilities in the applicant’s name
  4. Any eviction judgment within the last seven (7) years. Documentation from a plaintiff in an eviction action confirming the eviction was dismissed and all debts were paid will be taken into consideration when processing the application
  5. Any false or misleading information provided by an applicant on the written application, or omission of a material fact
  6. Records of destruction, consistent late or unpaid rental obligations, evictions, police activity or poor housekeeping habits resulting in health and safety hazards are grounds for denial of the application.
  7. Credit scores of 450 or less
  8. Credit scores between 451 and 549 are considered conditional

Criminal History Admissions Criteria

Alltrade has established a policy to deny all applications where the applicant or any household member has been convicted of certain criminal activity. For all applications considered conditional or denied due to criminal history, Alltrade staff will conduct an individualized assessment. Applicants have a right to request a reasonable accommodation. Applicants may submit with the application evidence of mitigating circumstances, if the admissions criteria provides for an individualized assessment of the applicant’s specific criminal activity. The activities that will be grounds for denial of the application are as follows:

  1. Any felony conviction or adjudication other than acquittal within ten (10) years, which involved drunk driving, burglary, robbery or serious crime of against a person or property.
  2. Any conviction or adjudication other than acquittal within five (5) years for any acts of perpetrating domestic violence.
  3. Any conviction or adjudication other than acquittal within three (3) years for the sale, distribution or manufacture of any controlled or illegal substance other than marijuana.
  4. Any conviction or adjudication other than acquittal within three (3) years involving illegal use or possession of any controlled or illegal substance other than marijuana.
  5. Any conviction or adjudication other than acquittal for any sexual offense. If during the applicant’s lease Alltrade discovers anyone in the household has been placed on the sex offender registry, legal proceedings will begin to terminate the tenancy.
  6. Any conviction or adjudication other than acquittal, which involved bodily harm to a child.
  7. Lifetime sex offenders.

Occupancy Standards

Our goal is to prevent overcrowding and undue wear and tear to rental properties. Alltrade will abide by the state occupancy standards regarding square footage relative to the number of people who may reside in a property. We use the general guidelines below. However, applicants have a right to request a reasonable accommodation.

Bedroom SizeMaximum persons per household
01
12
24
36

Co-Signers

If an applicant does not meet one or more of the above criteria, they may still be eligible for a rental unit if they can get a third-party to guarantee the lease. “Co-signers or “Guarantors” must be related to at least one of the applicants. It is preferable that co-signers reside in the same state as the applicants. The co-signer must submit a written application along with the application fee and must pass the criteria of the screening process as any other applicant. The income to rent ratio must be (six) 6 times the rent. If the co-signer cannot come to an Alltrade office in person, the signed application must be notarized. All co-signers must be approved by a Regional Manager. A co-signer will be a leaseholder and will be required to sign a lease agreement and uphold all obligations outlined in the lease. If the co-signer cannot come to an Alltrade office in person, the signed lease must be notarized.

Refugee Status

Applicants who have refugee status and/or are receiving case management services and/or rental assistance through a recognized social service agency will not be required to submit an application. We will require a copy of each family member’s I-9 at the time of arrival in the unit.

Appeals and Grievances

If anyone believes that an act of discrimination has occurred, please refer to Alltrade’s Grievance Policy found on Alltrade’s website. You may submit your grievance in writing or send a request for a copy of Alltrade’s Grievance Policy to ​info@alltradeproperties.com​.

Applicants who are denied will be allotted fourteen (14) days to dispute the denial. To dispute the denial of an application, the applicant must submit the dispute in writing or request a meeting in writing within 14 days.