How do I know whether I meet the requirements?
Start with the document checklist above, then review the criteria for the specific home. If income requirements, credit criteria, occupancy limits, or any other screening requirement are unclear, ask Vida for the written criteria before paying the nonrefundable fee. This overview is not a qualification decision.
Can I apply with a guarantor or cosigner?
Vida's standard guarantor benchmark is a screening score of at least 650 and verifiable gross income of at least four times the monthly rent. Scores of 620 to 649 may receive manual review when income, housing stability, and the remaining credit history support it.
A guarantor must complete a separate application and authorized screening, document income, have no unpaid housing balances or material pattern of recent housing or financial delinquency, and sign the required guaranty. A qualified guarantor may help with insufficient income, a 580 to 619 score, or limited credit history. It does not override fraud, unpaid landlord balances, serious lease violations, or disqualifying eviction or criminal history. Contact Vida before paying if you plan to use this option.
What income documents should I prepare?
For regular employment, start with your two most recent consecutive pay stubs. New employment may be verified with a signed offer letter stating guaranteed pay, hours, and start date. Variable income requires a documented average, not your highest paycheck.
Self employment is reviewed using documented net income available to the household, not gross business revenue. Tax returns, a current profit and loss statement, and bank statements may be required. Military pay, benefits, and other income need the applicable current statements. You do not have to disclose child support or alimony unless you want it considered. Upload sensitive records only through the authorized application process, not website chat.
What if a landlord will not respond or a report is wrong?
A landlord's refusal to respond does not automatically count against you. Vida uses your signed authorization to request verification and may ask for a lease, ledger, rent receipts, or other reliable records instead. Tell us about inaccurate or disputed information so it can be reviewed before a decision.
Missing items are requested together with a three business day response deadline. Documented extensions may apply for third party delays, reasonable accommodations, or other circumstances outside your control. A file closed for missing documents is not the same as a screening denial.
How are eviction and criminal records reviewed?
Vida's policy uses a five year review of verified eviction judgments and completed evictions. A filing alone is not proof of lease noncompliance. Identity, case outcome, resolved balances, disputed information, and relevant circumstances must be reviewed.
Relevant criminal convictions receive a seven year review measured from completion of the sentence, probation, or parole, with an individualized assessment of the conduct, time elapsed, subsequent history, and supporting context. Arrests without conviction, dismissed charges, acquittals, and sealed or expunged records are not treated as convictions. Sensitive or conflicting records and proposed exceptions go to the qualifying broker for review; a record appearing on a report is not an automatic decision.
What should I budget for besides rent?
Check the listing for the deposit, application fee, utilities, pet charges, and any other required charges. Ask us to clarify anything missing before you apply; costs can differ by property.
Can I tour the home first?
Yes. Use Request a showing above to email Vida the home and your preferred times. Vida will review any information already submitted and send the private pre screen or request missing items as needed. A time is confirmed only after the required review and a direct confirmation from Vida. Sending a request does not book a showing.
What if I have a pet or need an accommodation?
Review the property's pet information before applying. For an assistance animal or a disability related accommodation, contact Vida to discuss the request; assistance animals are not pets.
Does applying reserve the home?
No. Review priority begins when the household application is complete, not when it is started. Approval alone does not reserve a home. Approved applicants receive written holding requirements with a 48-hour deadline; any extension must be documented. Required payments and any reservation agreement must be completed as stated before the home is secured.