"Commit to the Lord whatever you do, and He will establish your plans." — Proverbs 16:3
Minimum Requirements
💳
CREDIT: USUALLY NOT CHECKED
Most OKCREAL homes are approved without a credit pull — we qualify you on verified income, rental history, and court records. Some owners do require a credit report for their property; when that applies it is stated on the listing before you apply.
💰
INCOME: 2.5× RENT
Verified gross income at least 2.5× the monthly rent, combined across applicants. Housing voucher? The standard applies to your share only. Between 2.0× and 2.5×, you can still qualify with a co-signer or an adjusted deposit.
🏠
RENTAL HISTORY
No eviction judgment or open case in the last 3 years, and nothing still owed to a prior landlord. Dismissed filings and cases you won are not held against you. First-time renters are welcome.
⚖️
BACKGROUND CHECK
Convictions are reviewed individually — what it was, how long ago, and what has changed since. Arrests without a conviction are never considered. If you have a record, apply and tell us your story.
What You'll Need
- Valid government-issued photo ID — driver's license, state ID, or passport (foreign passports accepted). A Social Security number is not required to apply.
- Proof of income — any one of: secure bank link (fastest, verifies in minutes), recent pay stubs, benefit or award letters (SSI/SSDI, retirement), court orders for child support or alimony, or 3 months of bank statements. We look at deposits and income only — never your spending.
- Self-employed? 3+ months of business deposits or your most recent tax return.
- Current and prior landlord contact info for the past 3 years (or tell us you're a first-time renter).
- Application fee (see below) — Apply Direct properties are free
- All occupants 18+ must submit applications
Fees at a Glance
| Fee | Amount | Notes |
|---|
| Application — Apply Direct | FREE | Marlin, Villa Chateau, Kentucky Pine, etc. |
| Application — Other properties | $35/adult | Non-refundable, per person 18+ |
| Express Pass (optional) | As posted at checkout | Guaranteed decision by the next business day once your completed application is in. We miss it, we refund it automatically. |
| Security Deposit | Listed on each home | Shown on the listing before you apply. Held in escrow at an Oklahoma bank per 41 O.S. § 115. |
| Additional deposit (only if offered) | Up to ½ month rent | Only when you qualify with conditions — always explained in writing first. |
| Pet Fee | $25/pet/month | Max 3 pets. Rabies vaccination required |
| Late Fee | 10% of remaining rent | After the 5th of each month |
Equal Housing Opportunity
Every applicant is evaluated against the same written criteria, in the order applications are completed. OKCREAL complies with the federal Fair Housing Act and the Oklahoma Fair Housing Law and does not discriminate based on race, color, religion, sex, national origin, familial status, disability, or age. Housing vouchers are welcome, and verifiable public assistance, child support, and alimony all count as income — we screen the money, not the source. Need a reasonable accommodation at any point in this process? Just tell us, in any words. Asking never costs anything and never counts against you.
Questions? Call or text
405-256-2614 — we'll walk you through anything that's unclear.
📋 Full Application Guidelines — searchable
The complete published standard: what we check, what never counts against you, decision timelines, and your rights under Oklahoma law
📖 Full Resident Handbook
Complete policies, maintenance guides, FAQ, community rules — searchable
