How Can I Rent a House With an Eviction?

Securing housing with an eviction history can be challenging, but it is not insurmountable. This article provides guidance to help you present yourself as a reliable tenant, even with an eviction on your record. Proactively addressing concerns and demonstrating current stability can improve your chances of finding a suitable home.

Understanding Eviction Records and Their Impact

An eviction record stems from a legal process where a landlord removes a tenant due to a lease violation, most commonly non-payment of rent. This action creates a public record, which can then appear on tenant background checks. Eviction records generally remain on background checks for up to seven years. While the formal reporting period is seven years, the court record can remain indefinitely in public court records.

Landlords often perceive an eviction record as an indicator of risk. It suggests a potential for future issues such as missed rent payments, property damage, or lease violations. Most landlords use tenant screening services that compile information from court records, providing a comprehensive view of an applicant’s rental history, including background checks and credit reports.

While an eviction itself may not directly appear on a consumer credit report, any unpaid rent or fees that were sent to collections or resulted in a judgment can negatively impact your credit score. Such collection accounts can remain on your credit report for up to seven years from the date the payment was due. Therefore, an eviction history, particularly if it involves unpaid debts, can affect both your background check and your financial standing, making landlords wary.

Strategies to Address an Eviction Record

Addressing a past eviction requires a proactive and honest approach to reassure potential landlords. Transparency from the outset builds trust, as landlords will likely discover the eviction during screening. Concealing it often leads to automatic denial.

One effective strategy involves preparing a concise and honest letter of explanation. This letter should outline the circumstances, take responsibility, and detail steps taken to prevent recurrence. It should explain the past event without making excuses, demonstrating maturity and commitment to responsible tenancy.

Demonstrating financial reassurance can also mitigate concerns. This might involve offering a larger security deposit than typically required, potentially two or three months’ worth of rent, if permitted by state and local laws. If financially feasible and allowed, offering to pay a few months’ rent upfront can demonstrate your current financial stability. Providing proof of a stable income stream, such as consistent employment and a healthy rent-to-income ratio, further reassures landlords of your ability to meet rent obligations.

Securing a co-signer or guarantor can reduce a landlord’s perceived risk. A co-signer is someone who legally agrees to be responsible for the rent and other lease obligations if you are unable to fulfill them. This individual should have a strong financial history and stable income. A co-signer also assumes responsibility for lease violations, including potential evictions, even if they do not reside in the property.

Demonstrating current stability through consistent employment and responsible financial habits since the eviction is important. Provide documentation of steady income and proof of timely bill payments. Highlighting a positive rental history since the eviction, if applicable, can also be beneficial in showing a pattern of improved responsibility.

Assembling Your Rental Application Materials

Before your housing search, gather all necessary documents to create a comprehensive rental application package.

Proof of Income

Proof of income is a requirement, and landlords typically request recent pay stubs (last three to six months) to verify earnings and stability. For self-employed individuals, tax returns (past one to two years) and recent bank statements are accepted. Landlords generally look for an income at least three times the monthly rent.

Employment Verification

This is a standard component, confirming your current job status and income. Landlords may contact your employer directly, often requiring your written consent. An official letter from your employer or recent W-2 forms can serve as proof of employment.

References

References are a part of your application. Professional references (current or former employers) can attest to your reliability and work ethic. Personal references (non-family members) can speak to your character, especially if you have limited rental history. If you have positive rental experiences since the eviction, obtaining reference letters from those landlords can be impactful.

Credit Report Review

Reviewing your credit report before applying is advisable. You can get a free copy annually from major credit bureaus. This allows you to understand your financial standing and address any potential issues.

Letter of Explanation

The letter of explanation, discussed previously, is an integral part of this package. It should be a concise document that clearly and honestly addresses the eviction, explaining the circumstances and steps taken to prevent future issues. This letter demonstrates accountability and commitment to being a responsible tenant.

The Application and Approval Process

After assembling your rental application materials, navigate the application and approval process.

Finding Flexible Landlords

Identify landlords who might be more flexible regarding an eviction history. Private landlords or smaller property management companies, often found through “rent by owner” listings, may offer more individualized consideration compared to large corporate entities with strict screening policies.

Initial Contact and Transparency

When making initial contact with a potential landlord, be transparent about your past eviction early in the conversation. This allows you to explain the situation on your terms and demonstrate your honesty, rather than having the eviction discovered later in the screening process. Approach this discussion professionally, focusing on what you have learned and how you have changed.

Application Submission

The submission of your application package typically occurs after an initial viewing or discussion. Many landlords offer online application portals, while others may require in-person submission. Application fees are common and cover the cost of background and credit checks.

The Interview

If an interview is requested, treat it as a professional meeting. Be prepared to discuss the eviction maturely, reiterating points from your letter of explanation and focusing on your current stability. This is an opportunity to make a positive impression and demonstrate your commitment to being a reliable tenant.

Following Up

After submitting your application, follow up within a few days to a week to confirm receipt and inquire about the status. If a specific timeline for a decision was provided, follow up if you have not heard back. Maintaining respectful communication is important.