Guide

How to screen a tenant fairly

Screening is the highest fair-housing-risk step in the rental cycle. The way to reduce risk is to publish criteria and apply them uniformly.

The short answer

Screening means checking identity, income, rental history and public records against criteria you wrote down before you saw the file — then documenting the decision and sending an adverse-action notice on every denial.

Overview

Screening is the highest fair-housing-risk step in the rental cycle. The way to reduce risk is to publish criteria and apply them uniformly.

Why it works this way

Screening exists to answer one question: is this household likely to pay this rent and keep this unit in condition? Credit score alone answers neither. Income relative to rent, stability of address and employment, and prior landlord history carry more signal.

The legal exposure is not in the checking, it is in the inconsistency. Fixed criteria, applied identically, with a written reason for each denial, is what makes screening defensible.

Do it in this order

1. Publish credit floor, income multiple, and criminal-history policy. 2. Run the same reports on every applicant. 3. Decide against the published standard, not personal judgment. 4. Adverse-action notice on every denial driven by a report. 5. Retain records of decisions for at least four years.

Common mistakes

  • Setting the income multiple after seeing the applicant's income.
  • Using criminal history as a blanket exclusion where local law restricts it.
  • Skipping the adverse-action notice because the denial felt obvious.

Checklist

  • Publish credit floor, income multiple, and criminal-history policy.
  • Run the same reports on every applicant.
  • Decide against the published standard, not personal judgment.
  • Adverse-action notice on every denial driven by a report.
  • Retain records of decisions for at least four years.
FAQ

Frequently asked

What income multiple is normal?

Commonly 2.5x to 3x monthly rent in gross income, all household earners counted. Write the number down before you list the unit.

Do I have to tell someone why they were denied?

When a consumer report contributed to the decision, an adverse-action notice is required, including how to obtain and dispute the report.

Related resources

Keep exploring

Run this workflow in Ayillo

$49/month includes 5 units, then per-unit pricing that drops as you grow. Optional modules are billed separately and must be added deliberately.

Try Ayillo

30 days free. A card in your own name is required to start — we place a refundable $1 authorization to confirm it, and release it right away. Cancel any month.