As a kid, we wound up getting evicted from our home once. I can only imagine now, with two children of my own, how terrifying and awful that must have felt for my parents. Then, once you have an eviction on your record, it can feel like a roadblock to renting a new home. However, it doesn’t have to be the end of the world. There are ways to get past your history of eviction and find a place to live.
1. Look for Eviction Friendly Apartments
Not all landlords view evictions as deal-breakers. Eviction friendly apartments are rental properties that offer second chances to tenants with past rental issues. Private landlords are often more flexible than large apartment complexes, especially if you can prove financial stability. Some property management companies specialize in working with tenants who have an eviction on their record. Searching for “second-chance rentals” or “no background check apartments” can help you find options.
2. Offer a Larger Security Deposit
Landlords want assurance that tenants can pay rent on time. If your rental history is shaky, offering a larger security deposit can ease a landlord’s concerns. Some eviction friendly apartments may request double or triple the usual deposit to offset potential risks. A higher deposit signals financial responsibility and makes your application more attractive.
3. Get a Co-Signer or Guarantor
A co-signer or guarantor can significantly increase your chances of approval. This is someone—usually a family member or close friend—who agrees to cover rent if you’re unable to pay. Landlords see this as an added layer of security, making them more likely to approve your application. The co-signer should have a strong credit history and stable income. Not all eviction friendly apartments require a co-signer, but having one can strengthen your case.
4. Show Proof of Financial Stability
Landlords prioritize tenants who demonstrate financial security. If you have an eviction on your record, prove your stability with pay stubs, tax returns, or bank statements. A steady job with a high enough income reassures landlords that you can meet rent payments. Some eviction friendly apartments may also accept alternative income sources, such as gig work, disability payments, or child support.
5. Provide Positive References
Strong rental references can help offset an eviction. If you’ve had good relationships with past landlords or property managers, ask them for written recommendations. Even a letter from an employer or community leader can strengthen your credibility. Some eviction friendly apartments may call previous landlords to verify your rental history, so having someone vouch for you is essential.
6. Be Honest About Your Eviction
When it comes to applying for an eviction friendly apartment, honesty is the best policy. You shouldn’t try to hide your rental history, especially if they are going to be doing a background check anyway. They’ll find out. So, it’s important to be upfront about the situation and explain what happened. Maybe you lost your job or you were drowning in medical bills. Whatever the case may be, providing them with some context could make them more understanding. You should also take the time to communicate the things you’ve done to improve your financial situation again. In the end, many apartments will be willing to work with you if you can demonstrate that you’ve learned from past mistakes.
7. Apply for Apartments Without Background Checks
Not every apartment or rental you see requires a background or credit check. This makes it possible for people with a history of eviction to apply and gain access to housing. If you can’t find a landlord that doesn’t require intense screening, try looking for privately owned rentals, subleases, or even a roommate. You can usually find information about opportunities like this in local Facebook groups. If none of those options work for you, you can also look into extended-stay hotels. My husband and I stayed in a hotel for about six months while we repaired our credit about 10 years ago. It was the best option for us, and it could be a good option for you too.
8. Work with a Rental Assistance Program
Many nonprofit organizations and housing programs help people with past evictions find stable housing. Some eviction friendly apartments collaborate with rental assistance programs that provide financial aid or vouch for tenants. Programs like HUD, Salvation Army, or local housing authorities offer resources to help secure a lease. These organizations may also help you with deposits, first month’s rent, or budgeting assistance.
A Past Eviction Doesn’t Define Your Future
Having an eviction on your record can make finding housing difficult, but it doesn’t mean that it is impossible. There are plenty of eviction friendly apartments out there that are willing to help you get into a place to live. You just need to prove that you have learned from your past mistakes and prove you are financially stable. Additionally, honesty can go a long way in conversations with apartment personnel. With the right approach, you can get into a home and move forward from your eviction.
Read More
How To Recession-Proof Your Life: 6 Essential Steps To Financial Security
How to Save for a Down Payment on A Car (Even on a Tight Budget!)
Read the full article here
