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Back when I was renting, Craigslist is where I started. That & friends/family that knew of others renting a place.
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I will sometimes consider renting to people who pay for shorter time frame all up front. That's one way to minimize risk on my end.
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I sometimes rent my residential properties to people with little credit or even bad credit, as long as there are no evictions on their record. I just ask for a larger deposit.
Atticus Finch
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When my parents estate was in probate, my disabled brother, who resided in the family house, had difficulty finding a place to rent. This, in spite of, his then, pending inheritance. So, I put-up six months rent, in advance, and he had no problem finding a willing landlord.
Good Luck, and Best of Good Fortune.
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Some times credsnia big deal. If it's NO CREDIT.
If u have late payments- bad credit- in collection- evictions
Is when u cant rent
Most places are ok if u have NO CREDIT
VERSUS BAD CREDIT
MAYBE a parent can co sign
If have a bank account like wells Fargo etc.
Get a secured card.
You can give them
300
500
1000
And they give u a credo card back by ur money
Acts like a credit card
And
It massively helps build ur credit.
I have a 790.
I was 540 3 years ago.
I've repaired my credit 3 times.
When u have a credit card
Ur points go up every month if u keep the balance under 30% so 1000 line means
Balance 300 when it reports
Sometimes u pay ur card on say the 25th but they don't report to the credit bureaus till the 29th of the month. And thrn u pay it on 25th then run I up before reporting date.
It's so screwy like that and most agents over phone will say report date is bill date but they font know.
So
I have experien.com account to monitor my credit.
And so I see the reporting dates my self on my cards.
Anyhow.
Best to get a credit card
And literally spend 20 bucks and pay IT OFF FULLY
after u get a secured card and build credit u will get offers.
When u have to many lines open like visa 1k Macy 500 Sephora 500 etc It looks bad
U want like 1 or 2 real credit cards.
After a yea of a secured card at bank u can ask them to turn it it into a unsecured card.
Then diversify your credit.
Unsecured
Secured
Loans
Car loans
Big loans
Etc
Hope this helps someone
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F U
CELL PHONE TYPOS LOL
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can you go over that 30 percent balance thingy one more time?
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Try Airbnb. Some of the people that have properties listed would like someone to stay long term.
Be careful of Craigslist scams. Don't give away personal information or money without seeing the property in person first.
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home loans are starting to consider the history of rent payments made
maybe that could help with a new landlord also? they would like to see that it's your number one priority in bill paying
the key to building this credit or rebuilding it...IS to work on it when you don't necessarily need it, but knowing it will be coming into play in the future. it's a proactive thing. typically when you really need it? it will be too late if not worked on in advance and need to get family members involved or give big deposits
renting cars or hotels need credit cards, don't they?
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If no credit offer 1st and last month rent plus deposit up front. Offer to sign away (waive) California's insane tenant's rights.
Look up how to build or rebuild your credit as already suggested. Remember to be a model tenant. Set up auto pay for your rent so you're never late. Leave the place as good or betterthan you found it.
Good luck!
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I am not sure sure what your credit score is but if you have history of missing payments and have a bankruptcy or a repo of a car... good luck. Depending on where you are renting, people are hesitant to rent to people because the cannot be evicted because of COVID. When those evictions start, they are so backlogged that they will stay there another six months rent free. You are going to have to find a kind soul to rent to you and prove to them that they made a good decision by paying the rent and keeping the place up.
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maybe flash a Lil pinkage
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With a rockin body like that, I'm sure you can figure out something. 
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Other then offering benefits to the owner/property manager you can try offering a larger deposit and to sign a longer lease. Say 18 months as opposed to the usual year.
Atticus Finch
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Pay six months in advance. Let them hold that until you move out. You just showed them how serious you were.
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Sorry that was already stated
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Listen to Gina.
California law favors tenants..... and with COVID and eviction moratoriums - well....
Listen to the landlords that have given you advice, luckly I never had to serve a 3 day pay or quit..... but I screened heavily.
One thing you didn't mention is kind of place you want - the higher end, generally speaking the more scrutiny, the lower end, not as much......
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Yes 30 percent is DTI
Debt to income ratio
Your creditors know ur income cuz when u apply u state it
Also
Your creditors report the balance to the bureau against the total line
So if u have a
1000 credit line
And when it reports monthly
Some are bi monthly (which can boost u faster or break u if they report twice- rare but some do.
So
You want to show u are only using
30% of any credit line OR LESS so u get
+points
VERSUS credit points get lowered
Every month u have revolving credit on a line using over 30 percent of it it reports negatively.
It's a general rule of thumb
Common knowledge Google can tell you.
I recommend experien website
Watch ur credit
See for any errors etc
U will see more the figures and stuff etc
Pm/text if u want more help
don't need personal info
Can totally point u in a direction
P.s. home loans and car loans don't count with this figure.
U don't want to pay a loan off sooner than a year as when u have a loan and pay on time it marks u as good. And good borrower.
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Run the card up if u want the points and rewards
Make sure u pay it off in time of the payment due date
And
Report date
My priceline credit card fucks me sometimes
Cuz my payment due like 18th
But it reports on the 28th the amount it is on the 28th and I ran it up in sum instances.
Fockers
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when rebuilding your credit with these prepaid cards...try and work your WAY UP to a BEST BUY credit card...maybe a costco card (for their double warranty when it's used)
typically ZERO percent interest for 12-24months...gives you a little incentive to KEEP a balance on it without the penalty of interest hammering away at you. just be sure it's all paid off by the DUE DATE or it all comes due
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There's literally a whole genre on Pornhub (loosely) related to this matter.
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Be very careful with rental offers with no credit. Desperate people sometimes do not do their homework on a property, and they get scammed by smart people who prey on people who have limited resources.
A real estate agent friend of mine had people waiting outside a home because they thought they were renting it, and had prepaid and everything. The agent told them that it was not a rental, but a house for sale and it had barely been on the market for a week. One of the visitors of the open house took pics and made it look like she was renting the place out, and suckered the young woman and her elder mom into paying up front for 6 mo the due to bad credit.
A bad situation was made worse, and now the woman and her mom were stuck with no home and all their stuff in a car.
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nice lil scam
might make a cool youtube clip from start to finish
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check? cash? keys?
I guess the more hard-up you are the easy it is
I'm sure a gofundme with that sad story will net them 10 times what they lost
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Wow, Thank you Sherkahn that was truly some great gloom. I have an attached rental to my house with a huge yard which is pet friendly and in all the years I've rented it out it never has to advertise once, every tenant has been a referral or a friend. My current tenant is moving out in October and he's already referred a new person with a dog ready to move in, best advice is use networking and referrals.
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Start a corporation get a c Corp get a business bank account get a dun n brad then a corporate lease. Take about a month to go through the motions. Worth it
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What’s in it for me ?
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I rent my residential properties to people without credit often. I do a little homework (yeah I'll deep dive on your social media, your moms social media, your moms mom) on who you are as a person. I ask for proof of income an accept 3 months of bank statements in lieu of paystubs. I ask for a much higher deposit and I also ask for 6 references, 3 personal and 3 professional (and you can bet I do my homework on them before I even make the call). This method has never failed me and I've had some great tenants.
I would start by calling realtors direct and asking if they deal in rental management where they are the direct point of contact to to owner. I would also ask realtors if they have any personal properties available.
Or you can just move to Indiana, girl. I'll rent you something and within 6-9 months you can buy 2500sq ft for 299k
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I received six months rent in advance for this beautiful place.
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Cash is king. Pay 8 to 12 months in advance and you will definitely get a place.
Don't move to Indiana.
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A buddy put in an offer to rent a house in Orange County...they had 53 applications and offers in 24 hours.
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there are a few little school districts in OC where if you have been renting for the last 3-4 years...you are virtually priced out as of today if needing a new place or landlord thinks they need to be at the new market
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Just out of curiosity, how many of you fellas, ahem, experts hold a real estate license or single-handedly hold an REIG?
Just for the sake of statistics, here....
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REIG = Real Estate Investment Group
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So I need a realtor license to lease my properties?
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@MissChase. I held a license as an agent ages ago. I can say with confidence that I suck at real estate. I did stay at a Holiday Inn Express once. Wow, that also sucked.
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if you had a few properties...you could set up a separate management business (SCH. C)....taking 10 percent of each property's rent. will be a better place to take business expenses...car, home office, computers, internet, mob.phone. home office (furniture, custom build-outs)
maybe pick up a few to manage that was not your own...that would help you get more aggressive with the deductions...will help with the PAL'S
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Ask the utility company to write you a referral letter and you can use that if you have no credit. Try getting a similar letter from cable, internet, phone, etc.
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Lots of places for rent. I think qualifications matter most and then location or type of space to rent.
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MTC:
I have a broker's license and have been licensed in CA since 1988.
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I don't think the notion of 'I don't have credit' is a true statement for an adult. If you have SSN, you will have a credit score. If you haven't bought any thing on credits, your credit may not be bad, or low, but may not be high enough to be in the acceptable range for lenders or in your case, the landlords. Try credit karma, they can provide your scores for free.
As far as renting, little credit history with low scores isn't as bad as having delinquencies, bounced checks, bankruptcy, etc. If you have solid income and bank statements to back it up, some landlords may consider it.
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If you are still looking then HMU. I have another HX girl living with me in my beautiful home in
Rancho Penasquitos. Call it the ultimate network where we can share info and watch each other's back.
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OP, go to porn hub and search for property sex....it will give you an idea to try..might work out for you with the right landlord. I don't have a vacancy at this time...but when I do you can bet this would work on me.
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Go on Craigslist and search for a “guest house”, which will likely be on the property of a large estate.
Often cheaper than a stand alone house and you get to use the pool, tennis court, etc. It helps that you’re an attractive woman.
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Holy crap I went to HS in Rancho PQ..Sundevils
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| There are 45 comments on this blog. |
