Before you apply
Rental criteria
One set of standards for every MJASOK home. We apply them the same way to every applicant. Your results set your deposit; they don't change your rent.
$65 application fee per adult (18+)$150 admin fee per lease, due at move-in
Who applies
- Every adult 18 or older who will live in the home applies separately and shows a valid government photo ID.
- We review applications in the order they are completed, meaning the application, fee and all documents are in.
Income
Combined gross monthly household income compared to monthly rent.
| Result | Deposit |
|---|---|
| 3× rent or more | Standard deposit (1× rent) |
| 2.75× to 2.99× rent | 1.5× rent deposit |
| 2.5× to 2.74× rent | 2× rent deposit |
- Below 2.5× rent needs a qualified guarantor (see below).
- Housing Choice Vouchers (Section 8) welcome, including Lawton Housing Authority and OHFA (Oklahoma Housing Finance Agency). The income test applies only to the portion of rent you pay.
- Military: your LES (military pay stub) is accepted as proof of income, BAH (housing allowance) counts toward income, and PCS orders are accepted in place of an employment letter.
Credit
| Result | Deposit |
|---|---|
| 520 or higher | Standard deposit (1× rent) |
| 500 to 519 | 1.5× rent deposit |
| 480 to 499, or no credit score | 2× rent deposit |
- Below 480 is not approved.
Rental history
| Result | Deposit |
|---|---|
| 12 months or more of verifiable rental history | Standard deposit (1× rent) |
| 6 to 11 months | 1.5× rent deposit |
| Under 6 months, or first-time renter | 2× rent deposit |
- In the last 12 months: 3 or more late payments or 2 or more returned payments (NSF) are not approved. 2 late payments or 1 NSF goes to manual review.
- A serious lease violation in the last 24 months is not approved.
- No eviction filed in the last 3 years, and no unpaid balance owed to a previous landlord.
Bankruptcy and background
- A bankruptcy must be discharged at least 12 months before you apply.
- Criminal history is reviewed case by case, considering what happened, how long ago and evidence of rehabilitation. An arrest without a conviction is never used to deny.
Your deposit
- Your deposit is the highest single multiplier from income, credit or rental history. They do not stack. Example: a 1.5× credit result and a 2× history result means a 2× deposit, not 3.5×.
Guarantor (co-signer)
- A guarantor can cover low income or thin/low credit. A guarantor never overrides an eviction, an unpaid landlord balance or a background denial.
- The guarantor must qualify on their own: 680+ credit, income of at least 5× rent, and a clean background. A guaranteed lease requires at least a 1.5× rent deposit.
Pets
- Pet rules are listed on each home. Assistance animals are not pets: they carry no pet fee, pet deposit or pet rent, and requests are handled under fair housing law.
Occupancy
- Up to 2 people per bedroom. Children under 2 are not counted.
Fair housing
We follow federal and Oklahoma fair housing laws and do not discriminate based on race, color, religion, sex, disability, familial status or national origin. If you need a reasonable accommodation to apply, call or text us.