At Gia Capital, we want the application process to feel clear, fair, and straightforward. This page explains what we review, what documents you’ll need, and how long approvals usually take—so you can apply with confidence.

• Every adult (18+) who will live in the home must submit their own application.
• Make sure your application includes your full legal name, date of birth, contact info, current address, and rental history, plus your SSN/ITIN (or clearly noted if you don’t have one).
• You will also be asked to acknowledge the Resident Qualifying Criteria during the application.
  
  

If anything is missing, we’ll contact you and typically give a clear deadline (usually 48–72 hours) to upload what’s needed.

2. Step-by-step: how our approval process works

Step 1 - Application intake + identity verification (getting your file complete)

Our team first confirms:

• You selected the correct property and unit
• All adults (18+) have submitted their own applications
• Your application includes the required basics (name, DOB, contact info, address/rental history, SSN/ITIN or noted “No SSN/ITIN,” and criteria acknowledgment)

Identity (required): upload one valid government ID:

• Driver’s license / state ID
• Passport
• Consular ID

If anything is missing, we’ll contact you and typically give a clear deadline (usually 48–72 hours) to upload what’s needed.

Step 2 - Income verification

To keep the process consistent, we must verify income for every applicant. Income must be verifiable, and we may request one or more of the following depending on your situation:

• Linked bank account (through the application system)
• 2–3 recent pay stubs
• 2–3 months bank statements showing regular deposits
• Employer letter (especially helpful for cash or informal jobs), stating pay, hours, and start date
• Award letters / benefit statements (Social Security, disability, pension, etc.)

Then we compare your gross monthly income to the rent:

• Income is 3× the monthly rent or more: typically qualifies in the standard approval range
• Income is between 1× and 3×: may be considered with conditions such as a co-signer and/or a higher deposit (when allowed by policy and local law)
• Income is less than 1× OR income cannot be verified: typically results in denial (after you’ve had a fair chance to provide documents)
  

Step 3 - Credit report review 

As part of screening, we review a credit report to understand your payment history and overall credit picture.



General credit guidelines:

• Credit score 600+ and no serious collections → generally acceptable if other areas are also strong
• Credit score 400–599 → considered higher risk; we may look more closely at payment patterns and may require conditions such as a co-signer and/or higher deposit (if allowed)
• Credit score below 400 OR 3+ significant collections (especially utility/landlord-related) → usually results in denial unless there is a written exception from upper management
  

Step 4 - Rental history review

We review your rental history, including any evictions, to confirm a pattern of responsible tenancy. If you list a current or previous landlord/property manager, we may contact them and ask about:

• On-time rent payments
• Any late payments / NSF checks
• Lease violations or behavior issues
• Condition of the unit at move-out

Evictions and landlord debt:

• Eviction judgment within the last 12 months → generally results in denial
• Older eviction or landlord debt → we may request proof it was paid or settled; if not resolved and there’s no solid plan, it will usually be denied or escalated for review

If you have no verifiable rental history (for example, you lived with family or an informal roommate):

• We may ask for alternative proof such as:
• 2–3 years of address history
• Utility bills or mail showing your name at the address
• A written reference from the owner/head of household
• These situations may be considered higher risk and could require a co-signer and/or higher deposit, depending on the full picture
  

Step 5 - Criminal background review

As part of screening, we run a criminal background check and compare results to Gia Capital’s criteria.

• If the report shows disqualifying felonies or serious misdemeanors under policy → the application will be denied
• If there is a pending criminal case → we pause the application and do not approve until it is clarified or resolved
• Our team documents the outcome of the review in the application file
  

3. How long does approval take?

We aim to be fast and fair:

• Typical decision: within 3 business days after we have all required documents
• More complicated cases: may take up to 7 calendar days while we actively collect and verify information
• If a case is still unclear after that, it is escalated to leadership for a final decision
  

4. Possible outcomes (and what they mean)

After reviewing income, credit, rental history, and background screening, we choose one of four outcomes:

✅ Approved

You meet the criteria in the major areas and there are no serious red flags.

✅ Approved with conditions

You may still qualify, but with added requirements such as:

• Co-signer required
• Higher deposit (if allowed)
• No concessions
• Shorter lease term (in some cases)
  
  

❌ Denied

This may happen if you do not meet income requirements, have disqualifying screening results, have recent eviction issues, or do not provide needed documents by the deadline.

⏳ Escalated for review

If your situation is unusual or needs a higher-level decision, we may escalate your file and provide an answer after leadership review.

Ready to apply?

You can apply online through the property website, and if you have questions during the process, our team is here to help.

Book A Tour: https://www.giacapital.com/leasing-assistant

Email: leasing@giacapital.com