Trying to rent while in chap7

[jerzey]

So as home owners for the last 5 plus years being forced into a chap7 and losing both our home is horrible to start with

Of course our credit is trashed, But we need a safe place to live
Our 341 meeting is a week away and we have no idea how much longer we have till we must move

So we tried to rent an apartment and have been turned down, I dont want to move my wife and 2 year old into some nasty getto place where they careless we want something safe and clean

Aside from a co-signer and one have any idea's?
Renting from another homeowner is hard they want way too much to move in and you cant trust if they will take you rent every month and let the home default

[Yankeegirl]

We rent from a private homeowner. They are much easier to deal with in terms of credit history, we explained our situation and they accepted it. They required 1 month security deposit and then 1st month's rent - the same as an apartment. The house is much nicer than an apartment and is in the same suburban neighborhood that we would buy a house. In fact, we're getting much more house than we would have gotten had we bought! Other than losing the tax break, it really is a win-win situation!

Why are you concerned about a private homeowner taking your rent or letting the home default? These folks own the house and usually need the rent to make a mortgage payment. Letting the home default ruins THEIR credit! I think, like most of us, they want to pay their bills and are renting the home for additional income.

[MomIcantFindmy]

I would check the newspaper for a house rented by a locally living landlord. You will not benefit from the landlord reporting on time payments to the credit bureaus though. Sometimes those landlords do not run credit checks. They go on instinct or how they feel about you.
Also check with your local housing assistance office. They usually have lists of landlords and apartments that rent to people with less than perfect credit. You might be plesantly surprised.
I would also consider contacting home rental agencies and be upfront about your situation. They may have someone willing to work with you.

[jerzey]

We rent from a private homeowner. They are much easier to deal with in terms of credit history, we explained our situation and they accepted it. They required 1 month security deposit and then 1st month's rent - the same as an apartment. The house is much nicer than an apartment and is in the same suburban neighborhood that we would buy a house. In fact, we're getting much more house than we would have gotten had we bought! Other than losing the tax break, it really is a win-win situation!

Why are you concerned about a private homeowner taking your rent or letting the home default? These folks own the house and usually need the rent to make a mortgage payment. Letting the home default ruins THEIR credit! I think, like most of us, they want to pay their bills and are renting the home for additional income.

Las Vegas has over 100 a day going into foreclosure and news reports everyday about howeowners taking the rent for income and letting the home go with out letting the renter know

Plus i was a mortgage lender for 7 years....I know how and why these people do these horrible things

[jerzey]

I would check the newspaper for a house rented by a locally living landlord. You will not benefit from the landlord reporting on time payments to the credit bureaus though. Sometimes those landlords do not run credit checks. They go on instinct or how they feel about you.
Also check with your local housing assistance office. They usually have lists of landlords and apartments that rent to people with less than perfect credit. You might be plesantly surprised.
I would also consider contacting home rental agencies and be upfront about your situation. They may have someone willing to work with you.

I am just going to have to contact alot of people then
we tried 2 realtors who claimed they would show us homes to rent both sent a few listing and then never heard from them again and I am always upfront with people

vegas is such a crap hole, no one is honest here

[Cali]

I know someone that rented 3 times from private homeowners and had to move each time in the past year. They ended up buying a house. So you do have to be somewhat careful in renting from homeowners.

We rent from a private homeowner that has many properties so we feel pretty safe. We had to pay 1 month rent plus security deposit(which was more than the rent). Our house is huge and the whole city I live in is nice.

We rent from a private homeowner. They are much easier to deal with in terms of credit history, we explained our situation and they accepted it. They required 1 month security deposit and then 1st month's rent - the same as an apartment. The house is much nicer than an apartment and is in the same suburban neighborhood that we would buy a house. In fact, we're getting much more house than we would have gotten had we bought! Other than losing the tax break, it really is a win-win situation!

Why are you concerned about a private homeowner taking your rent or letting the home default? These folks own the house and usually need the rent to make a mortgage payment. Letting the home default ruins THEIR credit! I think, like most of us, they want to pay their bills and are renting the home for additional income.

[Yankeegirl]

I guess we've been lucky. We live in an upscale neighborhood with a low foreclosure rate. In fact, you'd hardly know there was a problem with the housing market the way homes sell around here.

We've been renting from a private homeowner for the past 2 years with no problems. We're actually moving into a newer/larger rental home next month - again a private homeowner. There were three other rental offers in addition to ours. We got the house, despite the bankruptcy, because of our overall "picture" (good income, steady jobs, established family). The realtor even said that there's more to the offer than just the credit report, that the homeowner should be looking at the overall picture of the applicant. In our case, the realtor had alot of sway over the homeowner in terms of making a recommendation.

I did my own research to find the home and then contacted the listing realtor directly to see the house and write up the contract. In our area, leases are listed exactly like homes for sale on the local realtor internet site. It ended up being a very easy process.

[Cali]

My area is very upscale, resort city and houses still sell. And rentals go fast. But other cities around here aren't the same and there are a lot of foreclosures going on. And many people that rent are forced to move without notice.

I had to have a credit check done in order for us to get this house. My score was still high and no negs were showing. My landlord owns 5 houses here.

I guess we've been lucky. We live in an upscale neighborhood with a low foreclosure rate. In fact, you'd hardly know there was a problem with the housing market the way homes sell around here.

We've been renting from a private homeowner for the past 2 years with no problems. We're actually moving into a newer/larger rental home next month - again a private homeowner. There were three other rental offers in addition to ours. We got the house, despite the bankruptcy, because of our overall "picture" (good income, steady jobs, established family). The realtor even said that there's more to the offer than just the credit report, that the homeowner should be looking at the overall picture of the applicant. In our case, the realtor had alot of sway over the homeowner in terms of making a recommendation.

I did my own research to find the home and then contacted the listing realtor directly to see the house and write up the contract. In our area, leases are listed exactly like homes for sale on the local realtor internet site. It ended up being a very easy process.

[jerzey]

My area is very upscale, resort city and houses still sell. And rentals go fast. But other cities around here aren't the same and there are a lot of foreclosures going on. And many people that rent are forced to move without notice.

I had to have a credit check done in order for us to get this house. My score was still high and no negs were showing. My landlord owns 5 houses here.

one of my homes was a rental
I called the renters and told them right away
We are going into a chap 7 please live there for free until i get a notice from the bank

They got 2 months free and choose to move out they could of had 3 but found a deal
I couldn't image taking their money

our scores were low 700's now high 400's

[CindyLou]

Find buildings that are owned by private owners and not managed by large management companies. My landlord did not even check my credit. They own 7 or 8 very nice buildings in the are and do not "believe" in checking credit as a gauge of a person's worth. Good find for me at the time!!!

[sisterfunkhaus]

We are in chapter 7 and just rented at a nice place today. I don't know where you live, but PM me and I will send you the name of the management company. They have a website and are in several states. The place I rented is not a ghetto at all. It is newly remodeled and has a garage.

We haven't discharged yet and got approved with no problem, no extra deposit, nothing. They were concerned about our credit score, which is still okay, and rental history. Our only problem was with the check writing service. DH had someone use his DL# to open a checking account. We filed it as fraud, but it is still counting against him. Now we have to pay with money orders or cashiers checks even though we have never written a bad check in our lives. Ugh...