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The maximum allowable household income limits at The Enclave at Meridian Apartments are as follows:

What do you count as income?  Income is the total gross income of all household members who will be residing in the apartment. We count gross income earned from employment, self employment, unemployment benefits, social security payments, monetary gifts, public assistance, child support, retirement benefits, income from personal property, and income earned from assets (checking, saving, money market, CDs, IRA, 401K, or other investments). We verify all income and assets by contacting the source of income directly and require written documentation detailing your income.

More Information

The Enclave at Meridian Apartments is an Affordable Housing Community, and we operate under the rules and regulations of the Internal Revenue Code, Section 42. The program is designed to satisfy the housing needs of low to moderate income households.

How does someone qualify?  Qualification for this program depends on several factors including: the number of full-time employed people in the household, the total annual household income, and credit and criminal background checks.

What is your Resident Selection Criteria?  We have included in this information a copy of our Resident Selection Criteria. We run a credit and criminal background check on all adult applicants and evaluate your rent-to-income ratio to determine there is sufficient and stable income available to pay rent. If you fail to meet any criteria listed, we will not be able to approve your application for residency.

RESIDENT SELECTION CRITERIA

Kittle Property Group, Inc., is an equal opportunity housing provider. We fully comply with all Federal, State, and Local Fair Housing and Civil Rights laws.

The following procedures apply to all new applicants. Approval is based on the criteria set forth below.

APPLICATION PROCESS:

No applicant will be denied the opportunity to complete a rental application. A non-refundable application fee is required at the time of completion. A separate rental application must be completed by each adult applicant 18 years of age or over who will be residing in the apartment. The rental application must be completed in its entirety. All applicants must have a Social Security Number or provide an ITIN and must be eligible to reside in the United States for the next 12 months. Copies of birth certificates are required for all household members under the age of 18. An applicant rejected for any reason may not reapply for 90 days unless proof can be shown that eligibility has changed.

PROGRAM ELIGIBILITY REQUIREMENTS FOR LOW INCOME HOUSING TAX CREDIT (SECTION 42 of the IRS Code):

All affordable housing applicants must be eligible under the Section 42 guidelines. A lease guarantor or co-signer is not permissible.

Income Verification:

Third party written verification of all income sources will be required to determine resident eligibility. Sources of income verification may include: employment, alimony/child support, self- employment, pension benefits, social security income (SS & SSI), unemployment benefits, student loan/grant verification and welfare benefits (TANF), etc.

Asset Verification:

Third-party written verification of all asset sources will be requested and reviewed to determine resident eligibility. Sources of asset verification may include bank (savings, checking, C.Ds, etc.), stocks and bonds, real estate, etc.

Student Status:

Third-party written verification of student status may be required based on the full time student rules of the Section 42 Program. If all members of the household are full time students, one member of the household will need to meet one of the five exceptions permitted by the Program.

Special Preferences:

Some of our communities have been assigned special designations, which would include, but are not limited to, units set aside for homeless households, developmentally or physical disability, and others.

Transfer:

Transfer requests are subject to the Reasonable Accommodation and/or Transfer Policies and Processes

MAXIMUM INCOME RESTRICTIONS

Gross annual income and asset calculations cannot exceed the specific percentage of the program that is applicable to that apartment and resident (such as an affordable housing program). The applicant will be notified upon application regarding the specific requirements for the program they are applying. Section 8 certificates and vouchers will be accepted on behalf of otherwise eligible residents for Section 42 properties where applicable.

Minimum income requirements based on a combined rent to income ratio must not exceed 2.9. Applicants with Section 8 vouchers can have the minimum rent to income ratio requirement waived if they meet the credit and criminal requirements.

CREDIT HISTORY

The applicants credit report will be reviewed to determine the history of their payment practices including utilities, outstanding loans, judgments, repossessions, foreclosures, bankruptcy and evictions. The following specifications will be used in reviewing credit reports.

  • Addresses will be verified with the Application for Residency

  • Social Security numbers will be verified with the Application for Residency

  • Screening is based off of a score developed by TransUnion to determine if an applicant is most likely determined to pay rent. The formula is data driven.

  • Bankruptcies must be discharged. If not showing on credit as discharged, a letter from an attorney showing the bankruptcy has been discharged, and/or nothing else can be added and the applicant can legally sign into a lease agreement can override the decline. A full months deposit is required for all overrides.

  • Rental History

    • Late payment history

    • Decline an applicant with any ResidentScore (including 0 for Refer), AND

    • At least 3 eviction filings, AND

    • The most recent eviction filing is within the last 24 months

    • A history of civil judgments related to rental housing events

    • Decline an applicant with any ResidentScore (including 0 for Refer), AND

    • At least 2 civil judgments for related to a rental housing event, AND

    • The most recent civil judgment for rental housing is within the last 18 months

Additional Security Deposits:

An additional security deposit is required if the applicant has:

The screening comes back as Low Accept, Conditional or Refer.

CRIMINAL HISTORY

Criminal Background checks will be conducted on each adult applicant. A decision will automatically be generated by TransUnion based on the criteria Kittle Property Group, Inc. has set forth. The criminal criteria are available to view by request. Applicants listed in the sex offender registry are automatically denied. Criminal overrides can only be approved by the Sr. Vice President of Property Management.

OCCUPANCY STANDARDS

In determining initial eligibility, the maximum occupancy for each apartment is two people per bedroom plus one. Occupancy standards will conform to any state and local laws governing this issue.

VAWA PROTECTIONS

Kittle Property Group, Inc. may not consider incidents of domestic violence, dating violence or stalking as serious or repeated violations of the lease or other good cause for termination of assistance, tenancy or occupancy rights of the victim abused. We consider criminal activity directly relating to abuse, engaged in by member of a tenants household or any guest or other person under the tenants control, cause for termination of assistance, tenancy, or occupancy rights if the tenant or an immediate member of the tenants family is the victim or threatened victim of that abuse.

The Landlord may request in writing that the victim, or a family member on the victims behalf, certify that the individual is a victim of abuse and that the Certification of Domestic Violence, Dating Violence of Stalking, For HUD-91066, or other documentation as noted on the certification form, be completed and submitted within 14 business days, or an agreed upon extension date, to receive protection under the VAWA. Failure to provide certification or other supporting documentation within the specified timeframe may result in eviction.

8. WAIT LIST

If an applicant is eligible for residency, but the desired apartment home (size or AMI) is not available, management will place the applicant on a waiting list. The list will include:

  • Applicant name

  • Household unit size

  • Date and time application is received

  • Qualification for any preferences and ranking

  • Targeted program qualifications

  • Accessibility requirements (if applicable)

  • Number of persons in the household

There will be a separate waiting list for each bedroom size with seniority appropriated on a first come, first serve basis. Consideration will be given once a person has completed an application and submitted it to the office. The waiting list will be kept and maintained at the on-site office.

COMMUNICATION ON STATUS OF APPLICATION

All applicants will receive a phone call to the number provided on their rental application and will receive written notice of the status of their application:

APPROVED:

  • Applicants who are approved will be contacted via phone of their approval status.

  • Move In Dates will be reconfirmed and if needed, a new Application Received Letter will be sent to the email provided.

CONDITIONAL APPROVAL:

  • Applicants who are conditionally approved will be contacted via phone of their conditional approval status.

  • IF an additional deposit is required, a New Application Received/Welcome Home Letter will be completed and sent via email to the applicant and also placed in the applicant file.

DENIED APPLICATION:

  • Applicants who are denied for screening or backgrounds will be contacted via phone of the decline.

  • If the applicant has provided an email address and is denied for credit or criminal, a letter will be emailed within 7 days of the screening results. If no email is provided, a letter will be mailed to the address on the application within 7 days of the screening result.

  • If the applicant has provided an email address and is denied for reasons other than screening, including but not limited to being over income, student status or not providing the documents needed to approve the application, a letter will be emailed within 7 days of the application being denied. If no email is provided, a letter will be mailed to the address on the application within 7 days of the screening result.

  • Any type of grievance can be mailed to Kittle Property Group, Inc. If via mail, direct all correspondence to the Sr. Vice President of Operations, Kittle Property Group, Inc., 310 E. 96th Street, Suite 400, Indianapolis, Indiana 46240.

APPEAL AND GRIEVANCE

All applicants have the right to appeal any decision made by Kittle Property Group, Inc. In the event an appeal is requested, the applicant must first submit a written appeal to the Property Manager within 10 days of a decision. In the event an appeal is requested, the applicant must submit a written appeal documenting specific reasons for the appeal as follows:

  • Any decision to deny residency due to credit and criminal results must be submitted to TransUnion within 60 days of a decision.

  • Any decision to deny residency due to Section 42 program eligibility must be submitted to the Property Manager within 10 days of a decision. The Property Manager will have 10 days from receipt of an appeal to file a formal written decision.

  • Any type of grievance can be mailed to Kittle Property Group, Inc. If via mail, direct all correspondence to the Sr. Vice President of Operations, Kittle Property Group, Inc., 310 E. 96th Street, Suite 400, Indianapolis, Indiana 46240.


We have a limited number of apartment homes at each rental rate. Applications are taken and units assigned on a first come, first serve basis.