👥 Conditional Acceptance / Cosigner Required
Approve Conditionally — Cosigner Requirement Instead of Denial
Approve Conditionally Rather Than Outright Deny: When an applicant's income, credit, or history is borderline, conditional acceptance with a cosigner is a middle-ground option. The cosigner becomes jointly and severally liable for all lease obligations. Send this notice and set a deadline for cosigner paperwork — if no qualified cosigner is provided, the condition is not met and you may deny the application.
🏠 Property
👤 Applicant
⚠️ Condition & Requirement
If condition is not met by the deadline: This conditional acceptance will be withdrawn and the application denied. An adverse action notice will be provided if the denial is based on a consumer report.
✏️ Signature
Screen Every Tenant Professionally
Forms establish consent and document your process — professional screening reports deliver the data: credit, criminal, eviction history, and identity verification in minutes.
🔍 Order Screening Report →Conditional Acceptance Notice — Cosigner Guide
Conditional acceptance is a useful middle ground between approving and denying a borderline applicant. Rather than a flat denial, you give the applicant a path to approval by providing a qualified cosigner or additional deposit.
Cosigner Requirements
- Cosigner should meet higher income requirements than the tenant (typically 5x monthly rent)
- Cosigner should have a strong credit history
- Cosigner should complete a full application and background check
- Cosigner is jointly and severally liable for all rent and damages
Consistent Standards
Apply cosigner requirements consistently to avoid Fair Housing claims. Use the same criteria for all applicants who fall below your stated income or credit thresholds. Document your screening criteria in writing and apply them uniformly. Use the Cosigner Agreement once a qualified cosigner is identified.
⚖ Legal Disclaimer
These forms are provided for informational purposes only and do not constitute legal advice. FCRA requirements are complex and strictly enforced — violations carry statutory damages of $100–$1,000 per violation plus actual damages and attorney fees. Fair Housing law prohibits discrimination based on protected characteristics. Apply screening criteria consistently to all applicants. Consult a qualified attorney before making screening decisions. See our editorial standards for accuracy details.
