Rental Package
Everything a landlord asks for — in one submission.
The exact bundle leasing agents request: recent pay stubs, an income summary, and an employment letter — sized to get your rental application approved on the first pass.
Who it's for
- Renters applying for apartments
- Co-signers proving income
- Anyone relocating for a new lease
What's included
- Last 3 pay stubs
- Income summary
- Employment letter
What it proves
- Recent income
- Ability to pay rent
- Stable employment
What this document actually is
Landlords score applications on speed and completeness. The applicant who submits three stubs, an income summary, and an employment letter in one PDF beats the applicant who sends "let me get those to you tomorrow" — even at the same income level. A rental package is the shape of that winning submission: enough to prove you can afford 3× the rent, structured so a leasing agent can decide in five minutes.
When people reach for this document
You're competing for an apartment in a hot market
When 20 applicants apply for the same unit, the leasing office picks the one with the tidiest paperwork. This package is that paperwork.
You need a co-signer
Co-signers submit the same package. Bundling both applicants' packages makes joint underwriting fast.
You're relocating and applying remotely
Remote applications get more scrutiny. A complete package removes the "we'll need to see more" objection.
What the delivered document looks like
- Cover page listing monthly income and rent-to-income ratio
- Last 3 pay stubs
- Income summary for the last 3 months
- Employment verification letter
- Combined into one PDF sized under 5MB
What reviewers check
- Monthly income is at least 3× stated rent
- Employment is current per the VOE
- Stubs are consecutive and recent
- Package is dated within the last 30 days
Questions specific to rental package
Why 3× rent?
The standard rent-to-income threshold in most US markets. Some luxury or NYC markets require 40× monthly rent as annual income.
What if two of us are on the lease?
Submit one package per applicant. Landlords typically accept combined income across all leaseholders.
Do I need bank statements too?
Usually no — this package covers income. Bank statements are for reserves and are typically separate.