Renting an apartment with an eviction on your record can feel like an uphill battle, but it's not impossible. Many landlords are willing to consider applicants with past issues, provided they demonstrate significant improvement and a commitment to responsible tenancy. This guide provides practical tips and techniques to navigate this challenging situation and successfully secure a new rental property.
Understanding the Landlord's Perspective
Before diving into strategies, it's crucial to understand why landlords are hesitant to rent to someone with an eviction on their record. They view it as a high-risk factor, indicating potential financial instability or a disregard for lease agreements. Your goal is to convincingly demonstrate that you've learned from past mistakes and are now a low-risk tenant.
Why Landlords Might Be Reluctant
- Financial Risk: An eviction suggests a history of unpaid rent, potentially leading to future financial difficulties.
- Property Damage Concerns: Past evictions can sometimes be linked to property damage, increasing the landlord's risk.
- Lease Violation History: Evictions often result from violating lease terms beyond non-payment of rent.
Strategies to Overcome an Eviction on Your Rental Application
Now, let's explore actionable steps to increase your chances of securing a rental property despite your past eviction.
1. Be Transparent and Honest
Don't hide the eviction. Most landlords will eventually discover it during a background check. Addressing it head-on shows maturity and responsibility. Be prepared to explain the situation concisely and honestly, focusing on what you've learned and how you've changed.
2. Demonstrate Financial Stability
This is crucial. Provide extensive documentation showcasing your current financial stability. This includes:
- Proof of Income: Pay stubs, W-2 forms, tax returns, or bank statements showing consistent income.
- Savings: Demonstrate you have sufficient savings to cover several months' rent and security deposit. A larger savings account significantly improves your chances.
- Positive Credit History (if possible): While an eviction negatively impacts your credit, a positive credit history in other areas can help offset this.
3. Craft a Compelling Rental Application
Your application is your first impression. Make it count!
- Detailed Explanation: In a separate letter or section of the application, provide a detailed explanation of the eviction. Focus on the reasons behind it, the steps you've taken to rectify the situation, and what you've learned. Express sincere remorse and a strong commitment to responsible tenancy.
- Positive References: Obtain strong references from previous landlords (if possible, even if not recent), employers, or personal references who can vouch for your character and reliability.
4. Target Understanding Landlords
Not all landlords are created equal. Some are more willing to consider applicants with evictions than others.
- Focus on smaller landlords or property management companies: They might be more flexible and understanding than larger corporations.
- Look for properties with specific tenant requirements: Some landlords explicitly state they consider applicants with past evictions.
- Consider less competitive rental markets: Less competitive markets may have landlords more open to accepting tenants with evictions, allowing them to fill vacancies faster.
5. Offer a Larger Security Deposit
Offering a larger security deposit demonstrates your commitment and can alleviate some of the landlord's concerns. This shows you're serious about responsible tenancy and willing to compensate for the added risk.
6. Consider a Co-Signer
A co-signer with a strong credit history and stable income can significantly strengthen your application. This person agrees to be financially responsible if you fail to meet your rental obligations.
7. Improve Your Credit Score
While this might take time, actively working to improve your credit score demonstrates financial responsibility. Pay bills on time and explore options to dispute inaccurate information on your credit report.
Moving Forward After an Eviction
Securing a rental after an eviction requires patience, persistence, and a proactive approach. By demonstrating financial stability, taking responsibility for past actions, and targeting understanding landlords, you can significantly increase your chances of success. Remember, it's a process, but with the right strategies, you can overcome this challenge and find a suitable rental property.
