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Applicant Frequently Asked Questions

Tenant Selection Criteria & Application Process Guide

Thank you for your interest in leasing a home managed by TexasRenters.com. This guide is designed to help applicants better understand our application process, qualification standards, income verification procedures, and next steps during the leasing process.

Section 1 – General Application Information

1. Where can I review the Tenant Selection Criteria?

Our Tenant Selection Criteria outlines the standards used to evaluate all applications, including income, credit history, rental history, criminal background screening, pets/animals, and application procedures.

You may review the full Tenant Selection Criteria here: Tenant Selection Criteria | Texas Renters | Houston, TX

All applicants acknowledge and agree to these criteria during the application process.

2. Does submitting an application guarantee approval?

No. Submitting an application does not:

  • Guarantee approval
  • Reserve the property
  • Remove the property from the market

Properties remain actively marketed until:

  • A lease agreement has been fully executed by all parties, AND
  • The required security deposit has been received.

TexasRenters.com may continue accepting and reviewing applications during the process.

3. Does every adult occupant need to apply?

Yes. Every person age 18 or older who will occupy the property must:

  • Submit a separate application
  • Pay the application fee
  • Complete all required screening steps
  • Complete identity verification
  • Complete income and rental verification

This requirement applies even if:

  • The person is not financially responsible for rent
  • The person will not be contributing income
  • The person is related to another applicant
4. Are application fees refundable?

No. Application fees are non-refundable once processing and screening have begun, regardless of:

  • Approval outcome
  • Applicant withdrawal
  • Property availability changes
  • Failure to provide requested documentation

Section 2 – Income Qualifications

5. What income requirements must applicants meet?

Applicants are required to meet the minimum income-to-rent ratio outlined in the Tenant Selection Criteria. Income requirements are evaluated based on:

W2 Employees

  • Net income verified by deposit to your bank account
  • Other income, such as child support or disability payments, verified by deposit in your bank account

1099 / Self-Employed

  • Your tax return Adjusted Gross Income less taxes payable (you must upload your latest personal tax return with all schedules)
  • Verified deposits to your bank account
  • Other income, such as child support or disability payments, verified by deposit in your bank account

Retired

  • Pension and/or Social Security income verified by deposits in your bank account
  • 15% of retirement or bank / investment account assets as verified through your bank account
  • Other income, such as child support or disability payments, verified by deposit in your bank account

Section 3 – VeriFast

6. What is VeriFast?

VeriFast is a secure third-party verification platform used by TexasRenters.com to electronically verify:

  • Employment
  • Payroll activity
  • Income consistency
  • Banking activity
  • Rental history (when applicable)

The system helps:

  • Speed up application processing
  • Reduce fraudulent documentation
  • Provide faster approval decisions
7. Is VeriFast required?

Yes. All applicants agree to complete the VeriFast process.

8. Is my banking information secure?

Yes. VeriFast uses encrypted systems and secure authentication methods designed to protect applicant information. TexasRenters.com does not receive or store your banking login credentials.

Section 4 – Credit & Screening

9. What items are reviewed during screening?

Applications may be evaluated based on:

  • Credit history
  • Payment history
  • Rental history
  • Prior evictions
  • Criminal background
  • Income stability
  • Debt obligations
  • Identity verification
  • Fraud prevention screening
10. Can an increased deposit be required?

Yes. An increased security deposit may be required due to:

  • Adverse credit history
  • Limited credit history
  • Prior rental issues
  • Insufficient income strength
  • Risk factors identified during screening
  • Collection balances

All deposit determinations are made in accordance with the Tenant Selection Criteria.

11. What happens if my application is denied?

Applicants denied based on consumer reporting information will receive:

  • An Adverse Action Notice
  • Consumer reporting agency information
  • Instructions to request a copy of the report
  • Instructions to dispute inaccurate information

Each applicant receives their own individual notice.

Section 5 – Emotional Support Animals & Housing Fees

Based on HUD Enforcement Guidance — May 22, 2026. Source: HUD Enforcement Guidance — Assessing Requests for the Use of an Animal as a Reasonable Accommodation Under the Fair Housing Act.

Background & Recent Changes

12. What is an Emotional Support Animal (ESA)?

An Emotional Support Animal is an untrained animal that provides comfort or companionship to a person with a mental or emotional condition. Unlike trained service animals, ESAs are not individually trained to perform specific disability-related tasks. The presence and comfort of the animal itself is claimed to provide a therapeutic benefit.

ESAs are not the same as trained service animals — such as guide dogs or seizure-alert dogs — which are individually trained to perform specific tasks directly related to a person's disability.

13. Has HUD's guidance on ESAs changed recently?

Yes — significantly. On May 22, 2026, HUD's Assistant Secretary for Fair Housing and Equal Opportunity issued new enforcement guidance that permanently rescinds HUD's prior 2013 and 2020 notices on assistance animals. Those earlier notices had declared that ESAs were “not pets” and could not be charged pet fees or deposits.

Under the current guidance, HUD now aligns its standard with the Americans with Disabilities Act (ADA): only animals individually trained to perform disability-related work or tasks qualify for a reasonable accommodation. The provision of “emotional support, well-being, comfort, or companionship” does not constitute a trained task under this standard.

Security Deposits & Pet Rent

14. Does an ESA entitle a resident to a waiver of a security deposit?

No. Under current HUD enforcement guidance, a housing provider is not required to waive security deposits for untrained emotional support animals.

HUD will only find “reasonable cause” — and recommend charges — in cases involving animals that have been individually trained to perform work or tasks directly related to a person's disability. Because ESAs are not trained animals, requests to waive security deposits or other fees for ESAs are not presumptively reasonable accommodations under this standard.

A federal court confirmed this position in Henderson v. Five Properties LLC (E.D. La., July 2025), finding that waiving an animal fee for an ESA was neither “reasonable” nor “necessary” under the Fair Housing Act, and that HUD's prior guidance to the contrary was “unpersuasive.”

15. Does an ESA entitle a resident to a waiver of pet rent (monthly animal fees)?

No. For the same reasons, housing providers are not required to waive monthly pet rent or recurring animal fees for ESAs under current HUD enforcement guidance.

Only trained assistance animals — those that perform specific, disability-related tasks — are presumptively entitled to accommodation. Requests to waive pet rent for an untrained ESA are evaluated case-by-case, and the burden is on the resident to demonstrate that the waiver is both reasonable and necessary to afford them equal opportunity to use and enjoy the dwelling.

16. What about trained service animals? Do different rules apply?

Yes. Trained service animals — animals individually trained to perform specific disability-related work or tasks — are treated differently. Housing providers are generally required to accommodate trained service animals as a reasonable accommodation under the Fair Housing Act and must waive pet policies for them.

Examples of qualifying trained tasks include:

  • Guiding a visually impaired person
  • Alerting a deaf person to sounds
  • Detecting an impending seizure
  • Retrieving items
  • Providing physical support and balance assistance
  • Assisting persons with psychiatric or neurological disabilities through trained tasks

The key distinction: the animal must be trained to perform a specific task that is directly related to the resident's disability. Untrained emotional support animals, regardless of the benefit their presence may provide, do not meet this standard under current HUD guidance.

Fees, Damages & Liability

17. Can we require an ESA owner to cover damage caused by their animal?

Yes. Even for trained service animals, a housing provider may require a resident to pay for any damage the animal causes to the unit or common areas (beyond normal wear and tear), provided the same policy applies to all residents. This applies equally to ESAs.

18. Can we charge an ESA owner pet rent or a deposit while their accommodation request is under review?

You should not collect fees specifically conditioned on the denial of an accommodation request while it is still pending. However, because ESA accommodation requests are no longer presumptively entitled to fee waivers, you may apply your standard animal fee policy unless and until you formally grant an accommodation that includes a fee waiver.

Documentation & Private Rights

19. What documentation can we request for an ESA accommodation claim?

Because ESA requests no longer receive the same presumptive treatment as trained service animals, you may conduct a more rigorous review. You may request documentation establishing:

  • That the resident has a disability (a physical or mental impairment that substantially limits one or more major life activities), and
  • That the untrained animal is necessary to afford the resident equal opportunity to use and enjoy the dwelling — including specifically why a fee waiver (not just permission to have the animal) is required.

Documentation from online ESA certificate websites is not sufficient to establish a disability or disability-related need. Documentation from a licensed physician, psychiatrist, social worker, or mental health professional is appropriate.

20. Can a resident still sue us in court even if HUD won't pursue their ESA complaint?

Yes. The Fair Housing Act gives individuals the right to file a private civil lawsuit in federal or state court within two years of an alleged discriminatory housing practice, regardless of HUD's enforcement posture. HUD's current guidance does not eliminate that private right of action.

This means that even though HUD is unlikely to find reasonable cause in most untrained ESA cases, individual residents may still bring lawsuits. Courts will evaluate claims on a case-by-case basis, applying the “reasonable” and “necessary” standards under the Fair Housing Act. Housing providers should document their decision-making process and consult legal counsel when handling accommodation requests.

Section 6 – After Approval

21. What happens after approval?

Once approved:

  • Lease terms are finalized
  • Lease documents are sent via DocuSign
  • Deposits must be submitted
  • Utilities must be transferred
  • Renters insurance must be obtained
  • Move-in instructions will be provided
22. How quickly must deposits be paid?

Deposits are generally required within the timeframe stated in the approval communication, often within 12 business hours after lease issuance.

Failure to submit deposits on time may result in:

  • You may be considered in default of the lease
  • Continued marketing of the property
  • Approval being offered to another applicant
23. Is renters insurance required?

Yes. Applicants must obtain renters insurance before move-in and maintain coverage throughout the lease term.

The policy must list TexasRenters.com, LLC and the property owner listed in the lease as “Additional Interest.”

Section 7 – Contact Information

24. Who should I contact with questions?

TexasRenters.com Applications Team

Still Have Questions?

Reach out to our Applications Team and we'll be happy to help.

(281) 407-3812

applications@texasrenters.com  •  Mon–Fri, 9:00 AM – 5:00 PM CST

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