1. Start With Preparation, Not Urgency
The most common mistake applicants make in New York is waiting until they find a unit they love to begin organizing documents. At 1440 Amsterdam, applications move efficiently, and preparation makes a meaningful difference.When you visit our site, we may collect information from you when you make an information request, submit an application, or make payments online. The personal information we collect may include your home or billing address, e-mail address, domain name, apartment community name, account number, telephone number(s), credit card number and credit card expiration date, bank routing information and bank account number, date of birth, Social Security number, driver’s license number, vehicle information, or employment information.

Before you apply, gather digital copies of the following:We may also collect certain non-personal, anonymous information about your use of our site and about your computer, including your IP address, the type of browser you are using, and your computer’s operating system.

• Government-issued photo ID
• Social Security card or number
• Recent pay stubs or proof of income
• Bank statements
• Current or previous lease documents
• Proof of recent rent payments

Having these ready allows you to complete the application accurately and without delay. In competitive markets, completeness matters as much as speed.
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2. Who Needs to Apply
All residents 18 years of age or older must submit a separate application. Each applicant is required to complete the application in full and pay the standard application fee, which is $20 per applicant, as permitted by New York law.

Applications must be accurate and complete. Any untrue, incorrect, or misleading information may result in denial. This standard applies uniformly to all applicants.

3. Identity Verification
As part of the application process, 1440 Amsterdam uses a third-party Identity Verification service. You may be contacted by text message to confirm your identity.

If automated verification is unsuccessful, you may be asked to upload identifying documents that show your name and address. These can include:

• Driver’s license
• Passport
• Social Security card
• Utility bill or invoice

This step protects both applicants and residents and is a standard part of modern rental screening.

4. Rental Screening and Rental Score
All applications are screened through On-Site.com, a third-party rental screening provider. Applications are evaluated using a rental scoring system that considers objective data such as:

• Payment history
• Outstanding debt
• Length and type of credit accounts
• Application information

Based on this evaluation, On-Site will return one of three outcomes:

• Accepted, with standard deposits and fees
• Accepted with Conditions, which may require an additional security deposit
• Denied, with information provided on how to review or dispute the report

Every applicant is evaluated using the same criteria, in accordance with fair housing laws.

5. Income Requirements
To qualify, total household income must equal at least 45 times the monthly rent.

Income verification typically includes:

• Proof of employment
• Recent pay stubs
• W-2s or tax returns
• Bank statements

If you are self-employed, freelance, or using alternative income sources, additional documentation may be required. The review team will assess submitted materials and respond promptly, typically within one business day.

6. Using a Guarantor
If an application is returned as “Accepted with Conditions” or “Denied,” a guarantor or co-signer may be considered.

Guarantors are screened separately and are held to a more stringent standard, as they are legally responsible for the rent. Both the applicant and guarantor applications must be submitted together for review.

Using a guarantor is common in New York City and can be a practical option, particularly for students, recent graduates, or applicants with non-traditional income structures.

7. Criminal History, Evictions, and Residence Verification
Management reserves the right to review:

• Prior residence history
• Certain criminal charges or convictions
• Eviction records

These factors are evaluated in accordance with applicable state and local laws, including the New York City Tenant Fair Chance Act. If adverse action is taken, you will be informed and given instructions on how to review or dispute the information used.

8. Improving Your Rental Profile
If you are concerned about qualification, there are steps that can help:

• Pay outstanding balances and avoid late payments
• Correct errors on your credit report
• Consider units with lower monthly rent
• Use a guarantor if permitted

Rental scores can change as underlying information changes. Accuracy and documentation matter.
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