If you’re looking for a new apartment, but you have a broken lease, bad credit, or an eviction on your record, then you might be wondering what options you have. Things happen, and there are a few steps that you can take to find a new place.
Second Chance Apartments
First of all, you should understand that, depending on you exact situation, some landlords might not be willing to take the chance that you won’t pay your rent. But you should also know that others will. Finding a second chance apartment is an option. Essentially, these types of apartments are the same as other properties, except the landlord is more willing to take a chance with a renter who has a history of credit problems, evictions, broken leases, and other situations that can make landlords raise their eyebrows. Many larger cities offer programs that can help match renters with rental history problems with landlords who are willing to take the chance.
Tips to Make Yourself More Appealing as a Renter
Whether you choose a second chance apartment program, or you choose to go it alone, if you have back payments that are due, you need to show a good faith effort to get current on your back payments. You might also need to pay a higher deposit so that the landlord will be comfortable that they are covered if you fail to pay your rent one month.
Whenever you have past records that could make potential landlords uneasy, you can also put your best foot forward in other ways. For instance, you can bring references, show that you have job security, and offer to set yourself up on automatic deduction.
Determining Circumstances When a Lease is Broken
If you broke your lease, first of all, determine what the circumstances were and gather your evidence. There are a couple of reasons that landlords will be more willing to work with you when you’ve broken a lease. For instance, if you broke your lease because your landlord failed to fix a significant maintenance issue with your apartment, then it’s more likely that another landlord will be sympathetic. Hopefully, when you were asking the landlord to fix the apartment, you sent out a letter. Written documentation will stand up in court better and will show due diligence to prospective landlords.
Sometimes people need to move for another job, and this is another reason that people sometimes have a broken lease on their record. If you are in this situation, a prospective landlord might be more sympathetic if you can show other ways in which you are a good tenant who can pay their rent.
If You Have Poor Credit
If you have bad credit, pay your bills on time. It can take several months to a couple of years to fix bad credit, but showing a landlord that you have had the ability to pay your bills for the last several months can ease landlords’ minds.
If you find yourself in an uncomfortable renting situation, remember that you have options, and you don’t have to go it alone. You might not have as many choices as you would if your renting history was better, but there are still landlords who are willing to take a chance. And if you establish a good renting history at your new place, just like credit, you can build your rental history back up.
Is It Possible to Get an Apartment With Bad Credit?
Bad credit is something that tarnishes a person’s good name and sometimes prevents that person from getting the things that he or she needs in life. It’s sometimes unfair because the bad credit may exist because of an unavoidable emergency. If you need a place to live even though you’re suffering from bad credit, you may be interested in reading this good news:
You Can Qualify for an Apartment
The good news is that your life as a tenant is not over. You can qualify for an apartment of your own even if you have poor credit. In fact, you can qualify for an apartment even if you have a broken lease. Some lenders understand that life sometimes throws curveballs and twists people’s way. They understand that some challenging things happen that cause renters to have a broken lease. Therefore, they’re willing to take a chance on you.
The Apartment Can Be in Your Name
You don’t have to have a cosigner, and you don’t have to have someone else get an apartment for you if you have a negative credit profile. You can still have your own place with your name on the lease if you know the right place to go.
You Can Have a Second Chance
Second chance apartments are available for people who are in your same situation. They are in place to give you a second chance at life and at living in a unit that you can call your own. All you have to do is seek a compassionate complex or property owner, and you will get back on your feet again.
What to Bring
You should be well prepared when you talk to the property manager or owner about getting a new apartment. What you’ll need to bring is your pay stubs, proof of residence and personal identification so that you can prove your identity, of course. You will also need to be able to verbalize your story so that the person can understand your situation. You’ll receive an answer about the apartment shortly after you apply.
Now that you know that someone is willing to take a chance on you, you can start looking for second chance apartments in your area. They do exist, and they are waiting for you to apply. Have faith in second chances, and move forward with your search today.