4440 Gibson Ave Saint Louis, MO 63110

Located in a 2 unit Victorian building, this second floor
Large, spacious 2 Bedroom/1 Bath + Bonus Room!
*Bonus Room (Additional room can be utilized for office, play room, reading room).
*Stackable washer and dryer provided-IN THE UNIT
*New laminate flooring and carpeting
*Freshly painted throughout
*Monthly rent includes Water, Sewer, and Trash AND ELECTRIC (Tenant pays gas)
*Gas stove
*Microwave
*Central air
*Street parking

By law MVPm is able to set minimum standards for applicants with regards to qualifications for occupancy.

Our qualifications are as follows:
* Must complete a background check – cost $75.00 for the first person and $75.00 for each additional person.
*Note: MVPm pays $25 per person per check. The additional money helps defer the expense of the labor in the coordination of the leasing activity.
* Verifiable monthly gross income must be at least 3 times the monthly rent.
*Applicant must:
* Be in the United States lawfully.
* Not be wanted by any Law Enforcement Agency.
* Be above age 18.
* Have photographic proof of identification from an approved government agency at time of application and lease signing.
*Not have engaged in any Felony within the past 7 years in which such person was guilty of a crime in which another person was harmed intentionally or otherwise.
*Have no more than a either of the following in the past five years:
* 1 eviction (see below for evictions)
*1 Bankruptcy and/or foreclosure

If tenant(s) meet the above qualifications, leasing security deposits are determined as follows based on credit scores:
• 625 and higher – 1 month security deposit (SD)
• 575 – 624 – 1.5 months (SD)
o If eviction or foreclosure in last 5 years – a qualified guarantor must co-sign at time of lease.
• 525 – 574 – 2 months (SD)
o If eviction or foreclosure in last 5 years – a qualified guarantor must co-sign at time of lease.
• Under 525 – 2 months (SD) plus a qualified guarantor.
Should a co signer be required please note the qualifications:
Must submit an applicaiton
Credit score of 625 or Higher
No Evictions, Bankruptcy, or Foreclosures on File
No Felonies within 7 years
Meet income requirements and have garnishable income
If approved, must be willing to sign lease as financial guarantor

Income
• Net combined income of applicants in excess of 2.5 times monthly rent (or 3 times gross) is required to rent the unit being applied for. Income from employment is required – a minimum of 1 month. A qualified assistance agency, SSI or other “non-garnishable” incomes may be considered for purposes of income verification to meet the required threshold.

Evictions
• For applicants with evictions/past amounts owed (judgements or damages stated by previous landlord from any period going back 20 years from the application), the past amount must be satisfied or under an approved Payment Plan that is current. The tenant must agree to a Rental Verification check. Failure to provide/confirm this information will result in the application not being approved unless the Property Owner decides otherwise.

Move In: Tenant Requirements
• The full security deposit plus first month’s rent is due.
o If move-in is mid-month, the first month’s rent is due at move-in. The next month will be pro-rated.
o For those than have difficulty with making a full payment, tenant may enter a payment plan (see fees below) for no more than the first month’s rent.
• Signed lease.
• All tenant responsible utilities must be in the tenant’s name.
• If applicable, occupancy registration with local municipal office.
*Please note we are closed on all major holidays. Should an application be submitted on a holiday, agent will complete the report the next business day when normal office hours resume.
WE DO WORK WITH PEOPLE THAT HAVE CREDIT PROBLEMS - extra-security deposits or lease co-signer may apply. If you have a past problem with a landlord, please be prepared to explain your situation and to provide us their contact information. Please note that due to the fair housing act we must select tenants with the strongest background checks. Please have verifiable income or be prepared to pay higher security deposit.

*Our other rental property listings can be reviewed on our website:
Click leasing services tab x 2 & select the property of interest.