 If i am making $30,000 a year, and wanted to get an apartment at 475 a month, would i be able to do it? |
City : Memphis
150 Dollar Insuance Payments a month
50 Dollar Cell Phone Bill
No Idea what utilities are
But i work week on week off so they wouldnt be too much
Any ... |
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 My Fiance and I are going to start looking for a house after the first of the year.? |
| I have no idea on how to buy a house. We both have excellent credit, and are not in much debt (with the exceptipion of my car). Our yearly income's combined ranges between $70-75 thousand. My ... |
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 1st Time Home Buyer Getting Cold Feet!? |
So I am getting ready to buy my first home and I am excited. The more I think about it the more I worry about me affording my mortgage payment.
Details -- I make 71,000 a year and bring ... |
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 So confused on buying a house!!!? |
| We don't know what to do...where to start. Anybody have any "learned from" experiences they wanna share? Do's, don'ts, watch out fors...any piece of info will be helpful.... |
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 When is the right time to increase your tenants rent? |
| I currently have tenants renting my house. They would of been in the property for a year in January 2008. Is it acceptable to increase the rent by 5% in January?. I have a mortgage on the property.... |
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 Does the landlord need to have our key? |
| Do we have to give key to the landlord if we change the locks? My landlord comes into my house and looks through personal information and i can tell because when the landlord comes in she moves ... |
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 Going to court over back rent.. will we win?? |
| When we first moved into this house, our shower wouldn't drain. It would overflow before we even got out of the shower so we figured it was clogged. Well, we told the landlord and she bought ... |
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 Buying a house question? |
| if i earn just over 13 grand a year is there any realistic chance i could get a half decent mortage?... |
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 How to deal with tenant doesn't pay rent? |
| I have a tenant who rejected to pay the rent for this month. I have already followed BC tenancy act to give him a 10 day notice. According to the residency act, he has to move out within 10 days if ... |
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 What is a reasonable % rate for a Real Estate Agent to charge? |
| I'm located in Southern California and after speaking with my Realtor, he gave us a 5% commission rate, 2% for him and 3% for the other agent.... |
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 Is it true one can buy a house with 30% down no income verification? |
I heard this from a friend and was wondering if it is true?
30% down payemt on a ... |
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 How can I sell my house faster? And make it more likable to the buyer? |
| My house is in Palmdale, California. It was built in 94' and is in great shape. Four rooms, tile, carpet, great condition. My real estate agent is not doing a good job in promoting the house. I ... |
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 Can I get a home equity loan with a credit score under 500? |
| My husband and I own our home free and clear and have been having trouble getting financing because of our credit score. I am guessing that our home is worth approx $125k, I am guessing. (our ... |
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 How do people afford all these big expensive homes? |
| I have worked hard all my life and can not afford 300 400 500 or more thousand for a house. What I am seeing in RI and MA is 3000-4000 sq foot homes with big tags. A 2000 sq ft home is still ... |
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 1st time Home buyer, good time to buy? |
| My husband and I are looking into possibly buying a home here sometime soon. I have been told by everyone that this is a buyers market right now. Do you agree? If not, can you please explain? I ... |
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 Is a Rental lease invalid if the Landlord made me sign my not yet married name? |
| I signed a lease 6 months ago on April 30th.. ok.. So my landord made me sign in my married name, even though I wasn't married yet. I got married on May 16th... Does this technically make the ... |
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 Is it really possible to buy repo homes without being an Real Estate agent? |
| How do you go about doing it? I am looking to invest in property but am unsure of how to go about it.... |
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ms gemini | How do i get a nice apartment if my credit is bad??? |
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Freak Boy
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You may not be able to get a NICE apartment, but at least you can get one. Not all landlords run your credit. Instead of looking at an apartment complex, try an individual landlord (someone who may only have a few apartments to rent.) Also, if you know someone who has great credit and they have credit cards that have high limits, low balances and PERFECT payment history, ask them if they wouldnt mind adding you as an authorized user for their account. You wont have access to their card or their account, but their stellar history becomes yours. If you can find 3 or so accounts, your credit score could jump nearly 100 points. Why is your score bad? Do you have a history of being late with payments? Make a promise to yourself to NEVER be late on a payment again. Dont buy ANYTHING besides food if you think there is a possibility of being late on your rent payments. Your credit score is your lifeline and you need to build it and keep it good. You should also consider getting a copy of your credit report from all 3 major agencies (Experion, Equifax and TransUnion). Make SURE that everything listed on those reports is correct, and if it isnt, it costs nothing to dispute it. If your credit report shows an account with an incorrect balance (such as a credit card that you have paid off, but they are showing a $2000 balance), you need to dispute that with the agency AND to the company who you have the account with. A correction like that could mean an extra 20 points.
Everything I am telling you WORKS, but it wont work unless you do something about it. Start NOW by not missing any more payments...not even by one day. Best of luck to you |
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Darling girl
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9 times out of 10 all you have to do is make 3 times the rent and pay a higher deposit. Usually 2 months of rent. If you can afford that then usually they see you can pay your rent. Also it is not always about your credit it is mostly about rental history. If you need to build that up find a place that takes broken leases or whatever and live there 6 months, give 30 days notice when your 6 months are up and that will reflect good on rental history. |
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Miss A.
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Where I live, for apartments, all they check is to see if you owe any other landlords money... |
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Hushyanoize
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rent from someone who doesn't check. most do not. come with money in hand for the first, last and security and they rarely ask anything. money talks BS credit reports walk. GL apartment seeker. |
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Mommyk232
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Depends if it is a corporation or individually owned.
You could offer a higher security deposit for 1-2 years and then ask for some of it back. Or you could get a co signer.
If your finances are not in order tho- don't bother yet.
Get your credit repaired. |
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blue fox
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keep looking, people are nice and u will find something |
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curiositycat
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You might explore having a roommate who is in a lease and looking for someone to pay half the rent in exchange for your own room and bathroom. There are many people who look for good roommates but be very selective and careful. |
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Little Lisa
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Rent with a room-mate who has good credit or have someone with good credit co-sign for you. |
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kingstubborn
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You find a roommate with good credit. |
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