Rental Application Policy

Thank you for applying with PMI Professionals, for your housing needs. In order to best serve you, we feel it is imperative that you are made aware of, and fully understand our application policies and procedures.

Each adult over the age of 18 years must submit an application. The Application Fee is $50 per adult and it is non-refundable.

Before you apply for the home, read the following information carefully concerning the approval process. If you have any questions, contact our office at Info@PMIProsTN.com during business hours. Monday to Friday 9am to 4pm CST. PMI Professionals fully complies with the Fair Housing Law. We do not discriminate against persons because of race, color, religion, sex, handicap, familial status, national origin or age. We also comply with all state and local fair housing laws. Approval is based on Seven factors:

  1. Identification Verification
  2. Credit History & Verification
  3. Rental History & Verification
  4. Income History & Verification
  5. Employment History & Verification
  6. Criminal Background & Terrorist Database Search
  7. Pet Criteria “Petscreening.com Pet Profile

Please read this document carefully before signing. It is the policy of this management company that applications must be complete, and all fees paid prior to submission for consideration. All completed applications are processed daily (Mon-Fri). All approved applications for the same property may be submitted for final decision.

An application will contain:

  1. Signed PMI Professionals General Rental Criteria, Rental Application Policy and Procedures Form
  2. Signed PMI Professionals Privacy Notice (Full Addendum Attached)
  3. PMI Professionals Residential Lease Application; (One for each individual 18 years and older)
  4. $50 Application fee for each PMI Professionals Residential Lease Application submitted

  5. Required Supportive Documentation:

  6. Valid Driver's License or other Photo ID for each Residential Lease Application submitted
    Verifiable Proof of Income (Min. 2 months of paystubs or 2 years of tax returns if self-employed/1099 & bank
  7. statements)
  8. Completed Pet Screening Profile (Applicable if pets are being considered); Pet Screening Profile

General Rental Criteria

Two Years of Good Rental History: Forcible Entry & Detainers (Evictions) will not be accepted under any circumstance. No history of any damage to the residence, or an outstanding balance due to a previous landlord. If you have no prior rental history then you must opt in to Credit Reporting and pay a double-deposit.

Verifiable Gross Income: Minimum of 2-1/2 times the rent charged on the residence. Section 8 vouchers and certificates may be accepted. The resident must meet the same criteria as those seeking non-subsidized housing.

Criminal Background Check: Residency may be denied due to criminal history (see Criminal Background Criteria)

Credit History: Credit history cannot have any outstanding balances to a landlord or utility company or active bankruptcy that has not been discharged. Residency may be denied due to poor credit history. Contingent on your credit score, an additional Security
Deposit will be required. All lease holder’s credit scores are averaged. See below:
Credit Score below 500 will be declined
Credit Score 501-599: Two times Security Deposit will be required due to Credit Score and mandatory opt in to Credit Reporting ($20.00 per adult resident) and Resident Liability (5 Percent of total rent).
Credit Score No score: Two times Security Deposit will be required due to Credit Score and mandatory opt in to Credit Reporting ($20.00 per adult resident) and Resident Liability (5 Percent of total rent).
Credit Score 600 or above: No additional Security Deposit will be required due to Credit Score.
Co-signers are eligible to help increase your credit score if needed. Qualified co-signer’s Credit Score must have a minimum of 700 or higher.
Example:
Applicant 1 Credit Score = 540 + Co-signer 1 Credit Score = 700, Average Credit Score = 620 (No additional deposit needed)

Renters Insurance: PMI Professionals encourages, but does not require, you to have Renters Insurance. (Addendum Attached) Credit Reporting Program: PMI Professionals offers an excellent program to build your credit by doing something that you already do, paying your rent on time. (Addendum Attached)

Non-Disparagement Clause: You will be required to sign a Mutual Non-Disparagement Clause with your lease. This Clause protects yourself and PMI Professionals from disparaging comments, verbally or in writing that could be injurious to business, reputation, property or disparaging comments which are false. (Addendum Attached)

Upon Approval: The applicant(s) will be notified by phone, email or both. Once your application has been approved, you will have 24 hours to submit the required Security Deposit to secure the property. After the Security Deposit has been received, you will have 2 weeks to sign the lease once it has been sent to take the property off the market. If the lease is not signed within the allotted time PMI Professionals, reserves the right to process the next application received or consider any other approved applications.

Property Condition: Applicant is strongly encouraged to view the Property prior to signing any lease. Landlord makes no express or implied warranties as to the Property's condition. Should Applicant and Landlord enter into a lease, Applicant can request repairs or treatments (see question section below).

Sight Unseen Addendum: If any lease holders have not physically seen the property prior to a lease being signed, a “Sight Unseen Addendum” will be required to be signed by all lease holders.

Administrative Fee: There will be a one-time move-in service fee of $200 charged and it will need to be paid at the time of your lease signing.

PMI Professionals, is an Equal Opportunity Housing Company and a member of the National Association of Residential Property Managers (NARPM®). Our staff members adhere to a strict Code of Ethics, and to the Federal Fair Housing Law.

Criminal Background Criteria

Disqualification from Residency For 7 Years After the Completion of Their Sentence
(Convictions ONLY)

Disqualification from Residency For 5 Years After the Completion of Their Sentence
(Convictions ONLY)

Pet Policy

PMI Professionals has a very basic pet policy. Most of our properties allow almost any pet you could imagine! We have had Labs and Chihuahuas, cats and mice (not together of course), snakes, ferrets, birds and rabbits. We understand that a pet plays a significant part in many people's lives, so we strive to allow most animals in most of our rental properties. Please make sure to ask if the property that has caught your eye accepts pets. Pet Screening Profiles are required for all animals looking to be accepted in one of our properties. Pet Screenings can be completed by going to: petscreening.com/referral/1mD3szMXEvLK The only general restriction we have is that your animal must be one year of age or older. We are willing to work with some puppies and kittens, depending on age and training and the general application information of their owners; however, this is handled on a case by case basis. Regardless of prior consent, PMI Professionals reserves the right to have any pet removed from the property if it is determined that the pet poses a threat to the safety or condition of the property or any people in the property or the community.

PMI Professionals charges pet rent each month for each of your animals with a maximum of two animals. The term “pet rent” is simply rent you will pay for the allowance of your pet to occupy the rental unit with you. Pet rent is charged monthly and is paid with your rent. The charges breakdown as follows for different types and sizes of animals:

Processing Fee for Non-Caged Animals

Processing Fee (non-refundable): $200 (one-time flat fee)

Pet Rent (Paid Monthly with Property Rent)

Domestic Dogs or cats (per pet): $25 per Pet

Farm/Exotic Animals Case by Case Basis

Breeds that are NOT accepted:
Pit Bull Terriers, Staffordshire Terriers, Rottweilers, German Shepherds, Presa Canarios, Chows Chows, Doberman Pinschers, Akitas, Wolf-hybrids, Mastiffs, Cane Corsos, Great Danes, Alaskan Malamutes, Siberian Huskies, and any mix with these breeds

Renters Insurance

What A Resident Needs to Know

We do not require our residents to have renters insurance. However,  given the likelihood of the need for it, we highly recommend each resident to have a renters insurance policy, with a liability component minimum of $100,000. 

Option 1: If you wish you can be enrolled in our Resident Liability (RL) Insurance Program:
This is an easy, convenient, and low cost way to meet your lease requirement but does NOT cover your personal belongings. You pay the monthly premium together with rent. (See Complete details below). Cost $12.95/month

Option 2: Purchase Renters Insurance from a licensed agent and provide proof of coverage
Having renter’s insurance will meet your lease requirement and also provide protection for your personal belongings from theft or damage. Cost: More than RL policy and depends upon factors including your insurance provider, applicant’s creditworthiness, coverage, etc.

Resident Liability Insurance Program Details

Policy Coverage: $100,000 Legal Liability for damage to property.

The coverage provided by our resident liability program meets the minimum insurance requirements of your lease. The policy covers only your legal liability for damage to the property (covered losses include fire, smoke, explosion, water damage or backup or overflow of sewer, drain or sump) up to $100,000. The policy is not personal liability insurance or renters insurance. The policy does not cover any of your personal belongings, additional living expenses, or liability arising out of bodily injury or property damage to any third party. If you are interested in this additional coverage(s), you should contact a licensed insurance agent or insurance company of your choice.

Policy Details: Report all claims, in writing, to your Property Manager.

Please Note: You are under no obligation to participate in our resident liability insurance program. You may satisfy the lease minimum insurance requirement by obtaining and maintaining (during the duration of the lease) a personal renters insurance or liability insurance policy from an insurance agent or insurance company of your choice and providing proof of coverage (adding PMI Professionals as an additional interest on the policy and providing us a copy of the declarations page).

Resident Liability Insurance Policy is provided by Great American E&S Insurance Company
300E. Fourth Street, 20th Floor I Cincinnati, OH 45202 I Toll Free: (877) 429-3816 I Email: FISClaims@gaic.com
Program is administered by Beecher Carlson
Six Concourse Parkway, Suite 2300 I Atlanta, GA 30328 I Phone: 404-460-1349
Begin Application
"PMI Professionals has been a superb experience, friendly, helpful and always can be counted on…I can say Scott Abernathy and his team have made it worry free. I would highly recommend his property management service to anyone."

Contact Us

PMI Professionals
805 S. Church St., Unit #1
Murfreesboro, TN 37130
Direct: 615.933.2747

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