What Landlords Look for in a Tenant (Checklist)

The short answer

Understanding what landlords look for helps you prepare a stronger application. Here is what most landlords evaluate when screening tenants.

What Landlords Look for in a Tenant

Landlords want tenants who will pay rent on time, take care of the property, and follow the lease. Understanding their priorities helps you prepare a stronger application — and address weaknesses before they become rejections.

1. Income and Employment Stability

Most landlords require income of 2.5x to 3x the monthly rent. They also look for stable employment — ideally at the same job for at least 6 months, or consistent self-employment income verified by bank statements or tax returns.

Bank-verified income carries more weight than pay stubs alone. According to NMHC 2024, 84% of landlords regularly encounter falsified pay stubs, which is why bank-connected verification through services like Plaid is increasingly preferred. When income comes straight from the bank — not from a document — the landlord knows it has not been altered.

What to prepare: Pay stubs, offer letters, bank statements, or a verified income report showing your rent ceiling.

2. Credit History

Credit history tells landlords how reliably you pay debts. Most landlords look for a score of 620 or higher, though requirements vary by market.

What to prepare: Know your credit score before applying. Explain any derogatory marks with context (medical debt, COVID hardship, resolved collections).

3. Rental History

Previous landlord references are powerful. Landlords want to know: Did you pay on time? Did you care for the property? Did you give proper notice?

What to prepare: Have the names and contact info of at least two previous landlords. The Settl Verified Passport captures verified rent payment history and lets you include landlord references — you control which ones to share.

4. Background Check

Criminal background checks are common, though fair housing laws limit how landlords can use this information. Criminal background bans are now law in Seattle, NYC, Chicago, California, and dozens of other cities and states.

What to prepare: Be honest about your history. Some landlords allow explanation letters for older or minor offenses.

5. Debt-to-Income Ratio

Beyond total income, landlords evaluate how much of your income is already committed to debt payments. High existing debt reduces your ability to pay rent even when income looks sufficient on paper.

What to prepare: Pay down high-balance revolving debt before applying if possible.

6. Eviction History

Eviction history is considered by most landlords to be more predictive than credit score. A past eviction — especially a recent, unpaid one — is one of the most serious red flags in a rental application.

What to prepare: If you have an eviction, be proactive. Explain what happened, what changed, and include evidence of financial stability since.

7. References

Personal or professional references add credibility, especially for first-time renters or those with limited credit history.

What to prepare: Three references — not family members — who can speak to your reliability and character.

8. Application Completeness

Incomplete applications signal disorganization. Missing documents delay decisions and can cost you the unit in a competitive market.

What to prepare: Have all documents ready before applying: ID, income proof, references, and rental history.

The Settl Advantage for Landlords

If your applicant presents a Settl Verified Passport, your screening work is already done — and it costs you nothing. The Settl Verified Passport is a PTSR-compliant report covering all 8 factors landlords care about:

• Biometric identity — confirmed with Didit, no fake IDs
• Bank income ceiling — Plaid reads directly from the bank; income shown as a rent ceiling ("Verified for rent up to $X/mo") not an exact salary
• Rent payment history — direct from bank transaction data
• Payroll + employer + tenure — verified via Argyle
• Landlord references — applicant-controlled, but verified within the report
• Credit check — TransUnion VantageScore 4.0 soft pull (no score impact to the applicant)
• Criminal background — via CRS
• Eviction history — via CRS

No account needed. No setup. Just open the link and see everything. Under Colorado law (HB25-1236), landlords are required to accept PTSR-compliant reports — and Settl is built to that standard.

Settl Verified Passport — $99, one-time. 8 verified data layers. Apply anywhere. Pay once. Straight from the source.

Ready to get your Settl Verified Passport?

Verified identity, income, and stability, all in one report landlords trust. Apply anywhere, pay once.

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