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I've been in Irvine for about four years, and I moved in during Covid. Initially, the rent was around $2,121, and then it increased to $2,369, which wasn't bad. However, with utilities and everything, the monthly expenses amounted to nearly $2,900. Recently, I received a notice on my door to renew my lease. Since it's a month-to-month arrangement, I didn't renew it, assuming I would be moving out by then. To my surprise, the rent has now increased to $3,132. I cannot afford to pay $3,700, and despite the short 30-day notice, I am facing the challenge of renewing my lease.
The issue is compounded by my less-than-ideal credit situation. Even though I'm paying 16.9% on an Audi, which should be $500 but is actually $800, my credit score is not great. I've been unable to secure a $300 credit card, and my credit history is virtually nonexistent. I need assistance in navigating this situation.
While my bank statements demonstrate that I earn over $80,000, I only have two honest 1040s, and they require three. As a freelancer in the hairstyling business, I find myself in a predicament. The rental requirements now demand an income three times the rent, which is over $90,000. I believe my bank statements from my two accounts indicate earnings of around $8,000, but the challenge lies in proving this officially.
Given the complex nature of my situation, I'm unsure about the next steps. If there's any software or system that could assist me in presenting my financial situation accurately, I would appreciate guidance. I understand the importance of presenting authentic documentation, but altering the 1040s seems like the only option. I don't want to create any legal issues, but I'm desperate for help.
If you can provide assistance, please private message me. I don't want to put you in jeopardy, but I assure you of my responsibility in paying rent on time. I need a stable home to function properly, and I'm too old for these challenges. This is not a breakdown; it's a plea for support. Please contact me. Thank you very much.
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Thanks Nick. Because I could not understand the problem, now it makes sense
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Thanks Nick - easier to read.
OP, a couple of thoughts - not trying to be negative, but some observations.
No pictures - and only one newtwork rating since 2021.
This site is what it is, you want more income, show us why we should visit you.
You might consider listening to a few Dave Ramsey or simular videos on-line - I'm sure he might say something about the audi.
Best of luck to you - I hope everything works out for you (and seriously consider beefing up your profile to encourage people to contact you)
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Under a different profile she had many good reviews
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You can file 2023 now for ur 1040
U should just apply to other apartments that work with credit
They will check your rental history see u been on time. They will check your credit and u can put a hire deposit.
To lower your rent u need to get out of Irvine
And all that cost of living is High!
Some places will take a average of your last 3 months bank statements for a gross average
Or like 2-3 years of tax for an average.
Needing a realtor isn't really gonna do anything
Cuz u won't get approved for a conventional loan and I'll need a down payment.
Maybe try looking in the IE or Anaheim etc for cheaper rent...
A realtor might represent homeowners listing their property to find really good tenants.
Perhaps try a property management company that's small and manages a bunch of apts in different neighborhoods in a region.
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I hear rent is cheaper in Lompoc.
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I am not reading all that.
Please summarize everything into a meme, please.
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