How Can You Get an Apartment With an Eviction?

Securing housing with an eviction record presents a significant challenge. While a past eviction complicates the rental application process, it does not make finding a new apartment impossible. This requires a strategic, proactive approach, understanding the rental market, and effective communication with landlords. This article provides actionable strategies and practical guidance to navigate the housing search successfully, emphasizing preparation and transparency.

Understanding Your Rental History

The first step in seeking new housing involves understanding your eviction record. Eviction records are public court records compiled into tenant screening reports used by landlords. These reports are distinct from credit reports, though outstanding debts from an eviction, if sent to collections, can appear on your credit history. An eviction can remain on these records for up to seven years, significantly influencing future rental opportunities.

To obtain a copy of your tenant screening report, contact consumer reporting agencies specializing in tenant screening. Reviewing this report allows you to identify specific details about the eviction, such as the exact date of filing, the reason cited, and whether the case resulted in a judgment or was settled. Note any outstanding amounts owed. Knowing these details is crucial for accurately addressing the eviction with prospective landlords. If denied housing based on a tenant screening report, federal law requires the landlord to provide contact information for the company that supplied the report, along with your right to dispute information and receive a free copy.

Enhancing Your Rental Application

Proactively strengthening your rental application is important when facing an eviction history. Providing documentation of stable income is essential. Landlords often seek proof that your gross monthly income is at least three times the rent. Acceptable documents include recent pay stubs, W-2 statements, tax returns (such as IRS Form 1040), or bank statements showing consistent deposits. An official employment verification letter or job offer letter detailing your salary can also be valuable.

Cultivating strong references can help balance a challenging rental history. Professional references, such as current or former employers, or personal references who can attest to your reliability and character, are beneficial. A positive reference from a previous landlord not associated with the eviction can be particularly persuasive. Another option to mitigate landlord concerns is to secure a co-signer or guarantor. This individual agrees to pay your rent if you are unable to, and they need a strong financial background, including a good credit score and an annual income substantially higher than the monthly rent.

Offering to pay a higher security deposit or several months of rent in advance can demonstrate financial stability and commitment. While local regulations may limit security deposit amounts, offering a larger deposit, where permissible, can reassure a landlord. Prepaid rent can also be attractive to landlords, as it provides guaranteed cash flow and reduces the risk of missed payments. Additionally, preparing a concise and honest letter of explanation for the eviction is advisable. This letter should briefly explain the circumstances, take responsibility, and outline the positive steps you have taken to prevent a recurrence, focusing on your current stability and commitment to being a responsible tenant.

Identifying Potential Housing Opportunities

Knowing where to focus your housing search can improve your chances of approval. Private landlords, who manage their own properties rather than through large corporations, are often more flexible and willing to consider applicants with a past eviction. These individual owners may have less rigid screening processes compared to corporate property management companies, which often adhere to strict, standardized criteria that might automatically disqualify applicants with an eviction.

Focusing on smaller apartment buildings, duplexes, or single-family homes rented by individual owners can provide more direct interaction and negotiation opportunities. Some areas may also have “second chance” programs or landlords who specifically cater to individuals with past rental challenges, aiming to provide a fresh start. Broadening your search beyond typical online filters and relying on word-of-mouth, community contacts, and networking can uncover these less conventional opportunities.

Navigating the Application and Interview Process

Once you identify a potential housing opportunity, navigating the application and interview process strategically is important. It is advisable to be honest about your eviction history. While it might feel daunting, proactively disclosing the eviction, perhaps by including your prepared letter of explanation with your application, allows you to control the narrative. This approach demonstrates transparency and responsibility, which landlords often value.

During interviews, calmly and honestly discuss the eviction, focusing on the specific circumstances that led to it and the positive changes you have implemented since then. Emphasize your current financial stability, any new habits, or resolved issues that demonstrate your readiness to be a reliable tenant. Present your enhanced application package, including proof of income, references, and any offers of increased security deposit or prepaid rent, to reinforce your commitment. Following up politely after submitting your application or after an interview can also show your continued interest and professionalism. The process may require persistence, as finding accommodating housing often involves applying to multiple properties.