From a landlord's perspective, it becomes clear that the rental screening process involves more than just looking at credit scores. Typically, income, rental history, and background checks are also reviewed before making a final approval decision.

The average rent for a one-bedroom in Buffalo is reported to be $1,250 according to Zumper and Zillow, while the median according to St. Louis is $1,228 (as of 2026). Downtown Buffalo can see rents rise to $2,149, while the Black Rock Riverside area averages around $775, showing a significant gap.

There are three main factors that landlords check in order. The first is the credit score, with many setting a minimum of 620. The second is income, which is typically expected to be at least three times the rent. The third is rental history, where previous landlord evaluations are considered.

However, just because one of these three factors is lacking does not automatically mean a rejection. Recent market trends show that even with a slightly lower credit score, consistent rental history can lead to approval.

From a real estate investor's viewpoint, a higher credit score for tenants generally indicates a lower risk of missed rent payments and a more stable income stream. This is why landlords are often reluctant to lower the 620 credit score benchmark.

Previous landlord references or rental payment records are also checked during the screening process. For those renting in the U.S. for the first time, it is common not to have this record, and in such cases, a cosigner or several months' rent paid in advance can serve as alternatives.

Income is calculated based on gross income before taxes. If self-employed, recent tax returns may also be requested.

When scores fall short, options include bringing in a cosigner or offering a deposit that is two to three times the usual amount. Rent guarantee insurance is a structure where a third-party guarantee company takes on the landlord's risk, with costs based on creditworthiness ranging from 4.5% to 10% of the annual rent.

Credit scores do not improve overnight. Even after addressing delinquencies and reducing usage, it often takes one to two months for changes to be reflected. If you have plans to move, it is advisable to check your score a few months in advance.

New York State sets the deposit cap at one month's rent and requires that the settlement details and remaining balance be returned within 14 days after moving in. If the settlement is delayed, landlords may lose their rights to the full deposit.

In areas like downtown Buffalo, where new developments are concentrated, large management companies tend to strictly enforce the 620 score requirement, while smaller buildings in suburban areas may allow for more landlord discretion. Families moving to Buffalo from other states should also check that property tax and insurance structures may differ from their previous residence.

Whether families are moving based on school districts, investors calculating rental income, or families relocating from out of state, the key factors to verify remain largely the same: credit score, income, and rental history.

In a market like Buffalo, where there is a significant rent disparity between downtown and suburban areas, understanding how the choice of neighborhood affects screening intensity can help in planning. It is also wise to budget for additional costs beyond rent, such as heating expenses during winter, and to confirm whether heating costs are included in the management fees before signing a lease. In regions like Buffalo, where winters are long, this can significantly impact actual expenses, so it's important not to overlook it. Some properties may include snow removal costs in the management fees, so it's advisable to check the lease for this. Asking landlords directly about included items before signing is the most accurate approach. If the property is managed by an individual landlord rather than a management company, these specific conditions may vary from lease to lease, so it's best to review them carefully.

This article is not investment or legal advice, and it is recommended to consult with a professional before finalizing any contracts.