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Thread: I can't rent a f*cking apartment!

  1. #26
    Veteran Member TarynJolie's Avatar
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    Default Re: I can't rent a f*cking apartment!

    I find that a copy of the last 3-5 years of tax returns works wonders in proving self employment and verified income . That said, I also agree about renting a condo or house from a private property owner. Or buying something for yourself. You can always sell it if you want to move.

    There are just too many people coming and going around a large apartment complex for my taste.

  2. #27
    Featured Member Lizette's Avatar
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    Default Re: I can't rent a f*cking apartment!

    Quote Originally Posted by thechaosfairy
    I second the notion that you're probably getting the run-around because they think you're doing something illegal, if you won't tell a soul what you do for money. Explaining that you're an entertainer and you have documentation from your employer, even if you only wish to show it to the decision-maker, should probably help A LOT.
    Very right! I do have a true story: I sell on ebay, and I am a graduate student. I honestly think that if I prepay the lease, this should be enough. They have and always have been adamant about seeing ALL my accounts, including my CDs, bonds, and trust. And it really pisses me off. Before I began dancing, I did live off a hefty "trust" fund, set up by my parents. I had no need to work and lived like a spoiled brat. Whenever I needed to lease a new apartment, the management company always requested to peek into my "trust," which was totallly bogus! I was prepared to WRITE A CHECK for an entire 12-month lease. It was a pain in the ass shopping around for management companies who were not such nosey douchebags. I like being left alone. I don't want people knowing I have money.

    Showing 2 check stubs is one thing. Exposing every assest I have is another. I understand that no building wants a prostitute, assassin, or drug dealer. What I don't understand is why a backround check isn't enough.

    Last year, when I needed an apartment, the management company wanted my father to sign the lease. Let me tell you how worthless his signature is: He does not live nor does he work in the US. If I stole the refrigerator and disappeared, there is no way anyone could go collect the damages from my father. It's odd how my signature is worthless and his isn't. And no one ever does an employment/earnings verification on him!

    If you've read this far, thank you. I really needed to vent. I feel discriminated and I have no idea why. I'm tight-lipped about my strippering, so I don't know.

  3. #28
    Featured Member Crow's Avatar
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    Default Re: I can't rent a f*cking apartment!

    Actually, if you can prove where you work , or receive income from.. ( other than stripping ) you are being discriminated against.

    You have several choices.
    Hire a lawyer
    Find some other apartment complex to rent from
    Find a privately owned dwelling to rent.

  4. #29
    God/dess Bridgette's Avatar
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    Default Re: I can't rent a f*cking apartment!

    It's like I said before, if you were a middle-aged male, they wouldn't be so strict about documentation. The fact you're a young female with money scares people

    Just forget the commercial apts and go private. Bitching about what you can't get doesn't do any good - focus on what you CAN get, which is a private rental. Private landlords ask very few questions; if you can pay a deposit and first month's rent you're in. Then as long as you pay rent promptly they're happy.

    A hint about private rentals - I've always liked to rent guest houses. They're usually in better neighborhoods and well taken care of but rent is cheap. And since the guest house is usually behind the main house, it tends to be more private. If you go to your local classifieds online and do a search for "guest" or "cottage", you'll find them. They're usually owned by older folks who will ask what you do (tell them about your ebay sales and grad school) and that's about it. If you go with the money or checkbook ready to pay whatever deposit and first month's rent on the spot, they'll happily rent to you then and there.

    Quote Originally Posted by pheno View Post
    When you lead a nontraditional life don't try to measure it with traditional milestones.

  5. #30
    God/dess Emily's Avatar
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    Default Re: I can't rent a f*cking apartment!

    it's funny that it's easier to get a mortgage than a lease if you are undocumented

    well not funny haha....funny ironic

  6. #31
    Featured Member Lizette's Avatar
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    Default Re: I can't rent a f*cking apartment!

    Thank you, everyone!

    Quote Originally Posted by Emily
    it's funny that it's easier to get a mortgage than a lease if you are undocumented

    well not funny haha....funny ironic
    Like rain on my wedding day, a free ride when I've already paid, and the good advice that I just didn't take!

    And yeah, I was thinking the exact same thing.

  7. #32
    Banned Melonie's Avatar
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    Default Re: I can't rent a f*cking apartment!

    More evidence that a fundamental change has taken place in the American economy ... they want a fully documented financial history and monthly payments. Paying cash up front falls somewhere between 'screwing' a finance company out of their interest earnings, and 'proving' that you are engaged in an illegal activity !

  8. #33
    Featured Member Lizette's Avatar
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    Default Re: I can't rent a f*cking apartment!

    Quote Originally Posted by Melonie
    More evidence that a fundamental change has taken place in the American economy ... they want a fully documented financial history and monthly payments. Paying cash up front falls somewhere between 'screwing' a finance company out of their interest earnings, and 'proving' that you are engaged in an illegal activity !
    Hilarious! 5 years ago, I tried to buy a car with trade-in and $10,000 cash. The finance manager tried to convince why it's so much better for me to finance the vehicle over 5 years. She said that my credit might suffer, but if I finance, my credit could improve. At the time, my credit was 700+. Come on! She only wanted her institution to swindle $2,000 more out of me.

    I walked out of the dealership because they had proven they were trying to rip me off.

  9. #34
    God/dess VenusGoddess's Avatar
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    Default Re: I can't rent a f*cking apartment!

    Quote Originally Posted by Lizette
    Hilarious! 5 years ago, I tried to buy a car with trade-in and $10,000 cash. The finance manager tried to convince why it's so much better for me to finance the vehicle over 5 years. She said that my credit might suffer, but if I finance, my credit could improve. At the time, my credit was 700+. Come on! She only wanted her institution to swindle $2,000 more out of me.

    I walked out of the dealership because they had proven they were trying to rip me off.
    No, you're wrong, if you would have financed, they would have made a lot more than that.

  10. #35
    God/dess Deogol's Avatar
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    Default Re: I can't rent a f*cking apartment!

    Well, I can speak as a male who went apartment shopping and I too have been screwed around with. This while I was making 100K+. See, when I was younger I was stupid with credit - and that shit follows you around for a long ass time even after you pay it off.

    For the longest time, I use to live in Homestead Village and Extended Stays. I simply could not rent and boy did it piss me off to pay $20 to $50 a try simply to be told NO MOTHERFUCKER!

    Add to that I was a contractor, like most of you, without a W-2 and I got just as much bullshit from apartment companies as you all have been writing about.

    So I got to say, it has less to do with you being "a woman with money" or a stripper... and more to do with you fell through the cracks like I did. Since so many people have "jobs" they make their decision criteria based on that. If you don't have a "job" per se - they don't know what to do with ya - even if you can show them a check for $10,000.

    Like so many people have said, if you can show a private landlord a check for first and last months rent - you can usually slip right in there. Most of them want to know 1) if your gonna break shit and 2) if they are gonna get paid on time. If they feel good about that - most (except for the bible thumping kind) could care less about what you do.

    Myself - I have as little to do with rental companies as possible these days. I finally was able to rent an apartment and I feel like I had been ripped off compared to the private people I had dealt with before. To private people, the house is an asset - something they own and people take better care of that stuff. To a corporation, you are an income/expense ratio and that is it. "Cheap fix it and shut him up" kind of crap.

  11. #36
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    Default Re: I can't rent a f*cking apartment!

    Here is how it is done. My fiancee' used to own a credit repair company for years and he verified employment for hundreds of people including himself whom he set up credit files for and it worked virtually all the time as long as they has some established good credit. He always verifies his own credit as an employee of a company that he "says" he works for.

    You have to have a "dummy" source of employment, whenever you apply for creidt that you use consistently. Apartments want to see regular income. Joe and Jill paycheck types make them feel warm and fuzzy. Self employed people make creditors nervous. NEVER say you are self employed.

    Being self employed you must have an employment "front" complete with a listed phone #. Plus you must have a landlord reference. That reference can be a business sounding friend who will verify that you lived at such and such address (the previous one on your credit report would be best) for the length of time you list on the credit app.

    You answer your own phone when the apartment complex calls to verify employment saying you have been an employeee of Primus Enterprises since 8/03 earning $3500 per month. Make sure the pay you give yourself fits your age and intellect, and is 3 times the rent of the places you want to rent. Have a line for what kind of business Primus Ent is in case you are asked.It may be better to use an out of state mailing addy and phone # for this company, and just say you're the regional rep. You can easily set this up. You then print up paystubs for a semi-monthly payperiod for $1750 each 15th and 1st with proper deductions withheld for fed, state, fica, and medicare taxes (Get the Employer's tax guide from IRS and also the state ones and take the proper withholding from the guides. A semi-monthly payperiod is easiest to calculate. Two paychecks every month, 24 in a year.) You only need to produce 2-3 stubs.

    With a good credit score, and verifications that match your application, you should be approved. Always keep your business line and dummy work address paid for.

    One cannot work in a cash business without a work front which is used everytime credit is applied for. That way your dummy work front shows up as your employer on the credit report everytime it is pulled up.

    For example, you are a sales representative for Primus Enterprises. Primus enterprises has a voice mail or an answering service which is listed with information. A cell phone might work for many complexes. Make sure you don't miss a phone call the day you are expecting an employment verification.

    You don't need to let the apartment complex enjoy a 6 or 12 month deposit. You have good credit, you just need to have a work front, and always use that work front as an employer whenever you apply for credit. You seem to be an educated intellectual woman and I believe you said around 30 years old so you could raise your salary to close to 6 figures a year on your stubs and have it not look suspicious.

    You seem to be a bright girl. I know you can easily do what I mentioned.

  12. #37
    Featured Member Lizette's Avatar
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    Default Re: I can't rent a f*cking apartment!

    Tina, that's brilliant!

  13. #38
    Banned Melonie's Avatar
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    Default Re: I can't rent a f*cking apartment!

    You can actually 'kill more than one bird with the same stone' by setting up your own LLC business, and setting yourself up as a representative of that business. In this way your club earnings count as business income, from which you can issue yourself company 'commission' paychecks on a regular basis, and build a legit financial history. You can also issue company checks to pay for items which might otherwise be questionable in terms of business expense tax deductibility.

  14. #39
    God/dess Bunny's Avatar
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    Default Re: I can't rent a f*cking apartment!

    I hate apartment complexes. When I was thinking of moving to Pensacola they wouldn't rent to me because I have filed bankruptcy. It didn't matter if I made $300k/year, still none of them would rent to me. Now I rent a cute little apartment in an old house in tampa that was split into apartments which I prefer anyway. I just had to put a $250 deposit and a pet deposit. I found it in the paper. Try leasing agents and ads in the paper from individuals. Apartment complexes are evil.

  15. #40
    Veteran Member girlnew156's Avatar
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    Default Re: I can't rent a f*cking apartment!

    Apartment complexes are evil.
    You said it. No truer words were ever spoken.
    Pretty soon, people find out what you do for a living.
    How they know, I have no idea.
    I live a clean life, me and my three girls.
    But some noisey people go nothing better to do
    than to snoop.
    And then there are the stalkers.
    Yeah, they wait in the cars in the parking lots.
    Or the surronding areas, and wait and watch.

    It got to the point, where I just didn't feel like
    putting up with it anymore.

    No, I like where I am now, a nice quite neighborhood.
    Few houses, but not totally seculded.
    This worked out the best for me.

  16. #41
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    Default Re: I can't rent a f*cking apartment!

    this is an old thread but I wanted to chime in on it...

    I have been in a very similar situtation. I owned an online computer company. Made over 1mil in revenue per year for 2 years straight. However... I didn't pay myself, but the company (i.e the compaines account) provided us for living expenses including bills, car note, etc.. it was just cheaper that way than paying us on salary

    Anyway, time came from me to FINALLY move out from my business partner, we shared a 2 bedroom house, and in all honestly, it was wired having employees at the office then going home to look at this dude all day long.. I mean he was cool.. okay no he wasn't.. but we got along, and we stayed out of each other's business.

    So... delimia session. Unlike you, my credit was horrible, under 500 but I could go to the bank and take out enough money to pay a year's lease if I had to.

    So I go to the apartment complex and they somehow approve me, until they figure out I can't "verify" my income.

    So this is what I did.. I gave them more information than they could use. I came back the next day with our business licesnse, a year's bank statement to all of our checking and savings account, which was about 10 at that time, a photo copy of all of my business debit cards, a letter from the bank manager saying I was THE authorized signer on all of our bank accounts and I had access to all the funds in the account, a copy of our office lease, a letter of recommendation from our current landlord, who was an asshole but our rent was payed 3 months in advance, what could he possibly say wrong?

    They literarly had no choice to approve me.. I mean, what could they say? That I didn't have access to the money that was already in my hand to pay the lease outright before I moved in?

    I came back on Friday Morning... By Saturday evening I was watching TV in my new apartment


    Yes I work for myself still (I sold my company) but a lesson I learned, is whatever you do, own your own company and just pay yourself.. keep records with how much you pay yourself, hell write yourself checks if needbe

  17. #42
    Featured Member scorpio's Avatar
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    Default Re: I can't rent a f*cking apartment!

    seriously, with that kind of credit, it would be easier to BUY a house. or better yet, buy a duplex and rent the thother side out.

  18. #43
    God/dess Corgan's Avatar
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    Default Re: I can't rent a f*cking apartment!

    When I was looking for apartments before, and said where I worked, they denied me ONLY because I was a stripper. Unfair? Very. But, the apartments I live in now just made my club's manager sign a paper that said I made enough money.

  19. #44
    God/dess Deogol's Avatar
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    Default Re: I can't rent a f*cking apartment!

    Quote Originally Posted by scorpio
    seriously, with that kind of credit, it would be easier to BUY a house. or better yet, buy a duplex and rent the thother side out.
    That is what I was thinking.

    I was also thinking there was a lot of confusion between what is the company's money and what is the individual's money.

    That is a bad place to be - especially for partnerships.

  20. #45
    Featured Member Lizette's Avatar
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    Default Re: I can't rent a f*cking apartment!

    Quote Originally Posted by scorpio
    seriously, with that kind of credit, it would be easier to BUY a house. or better yet, buy a duplex and rent the thother side out.
    I'm considering this an option next time I move.

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