Understanding Our Application Process

Application Process – BeachOne Rentals
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Before you apply — please read The application fee is $50 per adult (18+) and is nonrefundable, regardless of the outcome. All occupants age 18 and older are required to submit a separate application.
1
Eligibility requirements

Any of the following will result in an automatic denial, regardless of other factors.

Unpaid landlord balance Any outstanding balance owed to a previous landlord
Unpaid utility collection Water, electric, or gas accounts sent to collections
Eviction within the last 7 years Formal eviction appearing on rental history
Falsified documentation Any misrepresentation of income, identity, or rental history
Disqualifying criminal history Certain felony convictions — contact us if you have questions
2
Income check

We verify that your gross monthly income is sufficient to comfortably cover rent. Use the calculator below to see where you stand.

Enter the monthly rent to see the income required
Monthly rent $
Meets 3× monthly rent
Strong qualification — no income points added
0 points
Between 2.5× – 2.99× monthly rent
Still qualifies, but adds points to your score
+2 points
Below 2.5× monthly rent
Denial unless a qualified guarantor co-signs
Denial / guarantor required
3
Credit behavior

We focus on the last 24 months of credit activity, not your overall score. Points are added for each category below and totaled.

Charge-offs — last 24 months
A charge-off is when a lender writes off a debt as uncollectible after prolonged non-payment.
None → 0 pts 1 charge-off → +2 pts 2 or more → +4 pts
Late payment pattern — last 12 months
Isolated late payments matter less than a recurring pattern.
No pattern → 0 pts Two 30-day lates → +1 pt Three+ 30-day or one 60-day → +2 pts Two+ 60-day lates → +4 pts
Collections — non-medical, non-student loan
Unpaid debts sent to a collection agency. Medical and student loan debt is treated separately (see below).
None → 0 pts 1 under $500 → +1 pt 1 over $500 → +2 pts Multiple → +3 pts
Currently delinquent accounts
Accounts that are 60+ days past due at the time of application.
None → 0 pts One account → +2 pts Multiple or repossession → +4 pts
Debt primarily medical or student loans
If most of your negative history comes from medical bills or student loans with no other concerns, we apply a favorable adjustment.
−1 point adjustment
4
Rental history

If you have no prior rental history — first-time renter or recent homeowner — 2 points are added to your total score. This does not automatically disqualify you; it simply places you into our scoring range for further review.

5
Your approval tier

All points are added together. Your total determines which tier you fall into and what deposit or verification may apply.

Tier 1 — low risk 0–2 points
✓ Standard security deposit
✓ Standard approval — no additional requirements
Tier 2 — moderate risk 3–6 points
→ Choose one: double security deposit, a qualified guarantor, or verified income of 3.5× monthly rent
Tier 3 — higher risk 7+ points
! Double security deposit required
! Qualified guarantor may be required
! Owner approval recommended before proceeding
i
Guarantor requirements

A guarantor (co-signer) can help you qualify if your income or credit history doesn't meet standard thresholds. Guarantors must meet all of the following:

Credit score of 650 or higher
Gross monthly income of at least 4× the monthly rent
No evictions on record
No unpaid landlord or utility collections
Equal housing opportunity

BeachOne Rentals is committed to compliance with all federal, state, and local fair housing laws. We do not discriminate against any person because of race, color, religion, sex, national origin, disability, familial status, or any other protected class. All applications are evaluated using the same objective criteria described above.

If you believe you have been subjected to unlawful discrimination, you may file a complaint with the U.S. Department of Housing and Urban Development (HUD) at hud.gov or by calling 1-800-669-9777.

Pet Screening Requirement

All applicants — with or without pets — are required to complete a profile through our third-party pet screening service, PetScreening. This is a mandatory step in the application process regardless of whether you have an animal.


Visit beachonerentals.petscreening.com to get started.


Pricing:

  • No Pet Profile (affidavit only) — Free
  • Pet Profile — $20–$25 depending on payment method
  • Assistance Animal Accommodation Request — Free


To complete your profile, you will need:

  • Vaccination records
  • Microchip information
  • Photos of your pet


All profiles are active for one year upon completion and must be renewed annually. Your profile will be shared automatically with Beach One Rentals upon submission.

Renter's Liability Insurance Requirement

All residents are required to carry a minimum of $100,000 in personal liability and property damage coverage from an A-rated insurance carrier. Proof of coverage must be provided to Beach One Rentals prior to move-in and kept active for the full duration of your lease. It is your responsibility to ensure proof of appropriate coverage is submitted before your lease start date.


You have two options to meet this requirement:


Option 1 – Our Master Policy No insurance? No problem. If you don't provide proof of your own policy before your lease start date, you'll automatically be enrolled in our property's master insurance policy. Coverage begins on your lease start date at a cost of $11.95/month, plus a $3.00/month administrative fee. These fees are non-refundable.


Option 2 – Your Own Policy You're welcome to purchase your own liability policy that meets the coverage requirements. Simply provide proof of coverage before your move-in date. Your policy must be from an A-rated carrier and list Beach One Rentals as an additional interest.


Please note: If your personal policy lapses or is canceled at any point during your lease, a $25 lease violation fee will apply and you will be enrolled in the master policy.