APPLICATION
SCORING

Stevens Realty

Self-assessment Application Scoring

Guidance on how Stevens Realty applications are scored. Check the self-assessment scoring matrix.

Our self-assessment application scoring system is designed to simplify this process for our prospect tenants, offering a more personalized and efficient experience.

Stevens Realty is committed to providing exceptional rental services and ensuring that our tenants have access to the best properties on the market. To enhance our commitment to excellence, we have developed a self-assessment application scoring system that allows prospective tenants to evaluate their compatibility with our rental or purchase listings. This innovative tool not only streamlines the application process but also helps our prospect tenants find the perfect property that suits their needs and preferences. 

Guidelines Scoring Matrix Your Score

Length Employed with Current Employer
* Full-time student of 12+ credits treated as employment

0
0-12 Months
1
12-24 Months
2
24-36 Months
3
36+ Months
3

Rent to Income Ratio
(income combined for all tenants)

Automatic Denial
34% or more
1
30-33%
2
25-29%
3
24% or lower
3

Credit (F.I.C.O.)
Score (If the applicant's credit check returns with no credit score, a default score of 500 will be used.)

0
Lower to 600
1
601-650
2
651-725
3
725+
3

Debt to Income Ratio
(new rent + plus loan payments – combined for all tenants)

0
55% or more
1
55-51%
2
50%
3
45% or lower
3

Cash in the Bank

0
lower than 1x the rent
1
2x the rent
2
3x the rent to 4x the rent
3
5x the rent or more
3

Payment History (CC = Consumer Credit)

Automatic Denial
Utility/Rent Deb
1
CC Delinquent
2
Bankrupt / New CC
3
Student Loan, Medical, Foreclosure
3

Criminal History (Convicted)
*1st-degree felonies automatically denied

Automatic Denial
Felony Under 7 Years
1
Felony over 7 years
2
Traffic and other Citations
3
None
3

Average Length of Last 5 years of Residency
* Eviction in last three years, automatically denied

0
12 months of less
1
13-24 months
2
25-48 months
3
49+ months
3

Late Rent or Mortgage in the last two years

0
3x
1
2x
2
1x
3
0x
3
Score 27-21, No Pets Approved - Regular SECDEP TOTAL RATING SCORE:
27
Score 27-21 With Pet(s) Conditional approval is subject to pet policy. Regular SECDEP
Score 20-16 Subject for Approval with the option for conditional approval
with Risk Mitigation Fee (50%, 100%, 150%)
Less than 15 Applications were denied. Denied.

Auto Declined

* Eviction for the last 3 years
*Open or closed bankruptcy for less than 3 years
* Landlord Collection
* Utility Collections
* Felony and Drug-related charges less than 7 years
* Income is less than 3x the rent
* 499 and below Credit Score

Become Our Success Tenant

Are you having difficulty in finding the best house rent? Our professional and friendly team at Stevens Realty help you. Provide the necessary details below:

I. Personal Details

II. Property Information

Tell us your expectations of Stevens Realty*

Experience Success as One of Our Property Owners

Are you a homeowner seeking stress-free property management services that truly put your investment in good hands? Stevens Realty is here to simplify the process and make it a rewarding experience for you.

I. Contact Information

II. Property Information

Tell us your expectations of Stevens Realty*

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