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hi Im here today with chip Parker hes the manager over at apartment experts North here in Austin and hes been in the apartment location industry for over 18 years chips gonna educate us on the process that apartments undertake when they are screening applicants called qualifying and I think Id like to start chip with answering the question why do apartments actually have to screen their applicants well apartment managers want to screen their applicants primarily as a means of risk assessment real estate and an apartment units are very expensive and theres a lot of potential for damage to a property or a hurt you know we might have been collecting your rents that kind of thing that would be quite damaging to your business okay well youve mentioned to me in the past that there are four components and those include checking your employment and income your credit rental history Im sorry your credit history and then your rental history and your criminal background so were gonna take