Can I get an apartment if I offer to pay 3 months of rent in advance?
Friday, February 25th, 2011 at
8:04 am
I really want to secure this nice apartment for $615 a month. I met the manager and she mentioned she will wait until my application is approved and she will hold the apartment for me. I told her I always pay 3 months of rent in advance and I also listed the past 2 landlords I had rented from where I did just that. So I have good references, and I get about 4800-5000 every 3 months for disbursements for school, which I provided documentation of. HOWEVER, I also have HORRIBLE credit like in the 400’s and over 10 derogatory accounts, and I do have a bit of a criminal history nothing HUGE but i did get a felony theft conviction and was put on conditional probation. So when asked on the application I left the part that asks about criminal history blank but I also stated to her that i do have a felony. And I did mark that I have established retail credit, because I have been good on my student loans. So what are the chances I will get this apartment?
And the theft was for writing NSF checks on my own account, and my credit is so bad because of several nsf checks, and one default credit card, and an auto loan in collections. But i do have about 4 good accounts.
and that 5000 is mostly grant/scholarships and a little bit of student loans
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Filed under: flat mortgage
Your post starts out very good, but as I read more and more, I feel that you would be very luck to find a landlord that would be willing to rent to you. Perhaps you could find a co-signer with a better credit rating and track record.
If you have two previous landlords, then maybe. She’ll check those references very closely. If it doesn’t work out, it is probably a company policy. One person working in the office might not have the ability to negotiate for you.
And you get $5000 every 3 months for school disbursements? OMG! You are going to be paying out of your nose in a few years.
As a landlord myself…there is not a chance I (nor any other landlords I know of) would rent to you. Paying in advance does not guarantee me that you will pay in the future. Do you even have a job? Plus a felony for passing a bad check and the numerous nsf checks on your credit report would put the nail in my decision. Sorry…but your just not worth the risk.