Where Can I Get an Apartment With an Eviction?

Finding an apartment can present challenges, and encountering an eviction record adds a layer of complexity to the process. While a past eviction might seem like an insurmountable barrier, it does not necessarily close the door to securing housing. Many individuals successfully navigate this situation by understanding the rental landscape and strategically approaching their search. This article provides practical guidance to help you find an apartment, even with a previous eviction.

Understanding Rental Screening with an Eviction

Landlords commonly use various tools to assess potential tenants, including comprehensive background checks. These checks often reveal an individual’s rental history, including any past evictions. Eviction records are public information, appearing on tenant screening reports and credit checks.

When a landlord reviews these reports, they look for a judgment of possession or an eviction filing. Such a record signals a history of lease violation or non-payment, which landlords perceive as a risk. Property management companies often have strict policies that automatically deny applicants with an eviction on their record.

Finding Eviction-Friendly Housing Options

Individuals with an eviction history may find more flexibility when seeking housing from private landlords rather than large property management companies. Private landlords might be more willing to consider an applicant’s individual circumstances. They may be open to hearing your explanation and assessing your current financial stability, rather than relying solely on automated screening results.

Second-Chance Programs

Some housing organizations and landlords specialize in “second-chance” programs for individuals with past housing challenges. These programs often provide more lenient screening criteria or offer additional support services. Identifying and applying to such programs can significantly increase your chances of approval.

Subleasing and Roommates

Subleasing can also be a viable option, as you would be renting from an existing tenant. The primary tenant might conduct less stringent background checks, focusing more on your ability to pay your share of the rent. Similarly, seeking a roommate for an existing lease can bypass direct landlord screening, as the current tenant may be responsible for the lease terms.

Local Landlords

Focusing your search on smaller, local landlords who advertise properties through local classifieds or community boards can be beneficial. These landlords may not utilize the same extensive screening services as larger corporations and might prefer direct communication and personal interviews. Approaching these landlords with transparency and a willingness to discuss your situation can lead to a positive outcome.

Strengthening Your Rental Application

Proactive communication is important when applying for an apartment with an eviction record. Prepare a concise, factual explanation of the eviction, taking responsibility for the past situation and highlighting any positive changes or lessons learned. Presenting this information upfront demonstrates honesty and a willingness to address the issue directly.

Financial Stability

Demonstrating current financial stability is also important. Gather recent pay stubs, bank statements, or employment verification letters to prove a stable income. Landlords want assurance that you can consistently meet rent obligations. Providing evidence of a consistent income stream can help alleviate concerns about past financial issues.

References and Incentives

Strong personal and professional references can support your application. These references should speak to your reliability, character, and ability to meet obligations. While previous landlords might not be ideal references if the eviction was recent, employers, colleagues, or community leaders can provide valuable insights into your current responsibility.
Consider offering incentives to mitigate perceived risks. If financially feasible and legally permissible, offering a larger security deposit, such as one and a half or two months’ rent, can provide additional assurance to a landlord. Paying a few months’ rent upfront can also demonstrate commitment and financial capability.

Co-Signers and Documentation

Securing a reliable co-signer or guarantor can significantly strengthen your application. A co-signer agrees to be financially responsible for the rent if you are unable to pay, reducing the landlord’s risk. Before applying, gather all necessary documents, including:
Identification
Income proofs
Contact information for references
Contact information for any potential co-signers

Navigating the Application Process

Once you have identified potential properties and prepared your application materials, submit your application. Many landlords use online portals, while others prefer paper forms. Ensure all prepared documents, including your written explanation for the eviction and proof of financial stability, are included with your submission.

Maintain transparency throughout any interviews or follow-up questions from landlords. Your honesty about the past eviction, coupled with your proactive explanation, can build trust. Following up politely after submission can show your continued interest and professionalism without being overly persistent.

Be aware of application fees, which range from $30 to $75 and are non-refundable. These fees cover the cost of background and credit checks. Understanding that these fees are standard practice can help manage expectations as you apply to multiple properties.

After submission, the timeline for responses can vary, from a few days to a couple of weeks, depending on the landlord and their screening process. Landlords will review your application, perform background checks, and contact your references. The possibility of denial exists, and it is important to remain patient and persistent in your search.