840 W Indianola Ave, # 4, Youngstown, OH 44511

YNDC is seeking a qualified tenant for 840 W. Indianola Avenue, Unit 4, a 900 square foot 1-bedroom, 1-bathroom apartment. The 2nd floor unit features a spacious living area with private balcony and a formal dining room. The unit maintains historic details including a decorative fireplace and hardwood floors alongside modern amenities including vinyl windows and central air conditioning. The kitchen comes equipped with a refrigerator and range, and the unit has shared access to coin laundry facilities in the basement. The unit also includes carport parking for one vehicle. The property is located just blocks away from Mill Creek Park. It is available for rent to qualified tenants for $630 per month plus gas and electric. Tenant must meet YNDC HOME program renter qualifications. Housing Choice Vouchers accepted. Applicants must meet the following criteria to be considered for tenancy in a YNDC HOME rental unit: Mid- credit score of at least 580 for applicants WITHOUT a traditional credit score, a satisfactory record of repayment on past credit is needed. If the applicant has no traditional credit score he/she must also provide two acceptable alternate sources of credit before being approved. These may include rentalpayment history, utility-bill payments, credit with rental stores, etc. Credit report demonstrating a history of paying debts in a timely manner If a prior bankruptcy or foreclosure appears on the applicant's credit history, they must have reestablished credit for a period of at least four years No outstanding debt to any other property management company No evictions in the past three years Housing Choice Voucher OR sufficient income to cover rent and utilities YNDC will calculate affordability utilizing a front end ratio of 33% and back end ratio of 40%. The 33 percent includes rent and renter's insurance. The 40 percent includes the total debt, including housing expenses, revolving debt, installment debt, and legally required child-support payments. Tax-exempt income that is established as continuing into the foreseeable future may be grossed up by using either 25%, or the current federal and state income tax withholding tables to determine an amount which can be prudently employed to adjust or "gross up" the applicant's actual income. Total gross annual household income must be under 60% of the area median income - $35,820 for a single person household or $40,920 for a two-person household Favorable responses from references and prior landlords YNDC will require references and prior landlord contact information and will contact all references and prior landlords. No more than two months balance due on any utility bill, no shut off notices, or utility collections on credit report No violent crime convictions, property damage convictions, fentanyl or opiate drug convictions, or sexual crime convictions YNDC reserves the right to evaluate all other recent crimes No pets, except one cat allowed per unit for an additional monthly fee No smoking in leased unit or common areas Tenant is responsible for gas and electric All rental payments must be made by ACH transfer YNDC shall not deny any family or individual the equal opportunity to apply for or receive assistance on the basis of race, color, gender, religion, creed, national origin, age, familial or marital status, handicap or disability, sexual orientation or reliance on public assistance.