As a one-time issue in a good credit report, it may not be an
issue. However, the reason the landlord checks credit is to assure
that you will be likely to pay rent on time. It costs a lot of time
and energy to follow up on non-paying tenants. I would also guess
that the rental market you are lookin…
As long as it is just a visit, and your primary residence is still
the apartment that you rent, keep the insurance. Many leases, even
residential ones, require that insurance be maintained during the
term of the lease, with the landlord named as an additional
insured. Therefore, were you to cancel c…
This information is for California since that is where the truck was rented from UHaul. My girlfriend rented it and paid on her credit card. It was for me to use to move the contents of my storage to her house. I was included on the contract as the driver. I declined the insurance they offered for a…
A landlord that has a choice of renting to a person who has a repo and a person who doesnt will likely choose the NON repoed person. Why?? They manage to PAY their bills SOMEHOW. YES, it LOWERS your credit score making it harder to get credit. Rent is a form of credit.
Insurance companies offer renter's insurance which covers the person's personal property, such as furniture, clothing, appliances, jewelry, and so forth. The coverage for the house itself is the responsibility of the owner.
Online quoting services can be useful if you know everything you
need to know about balancing risk and premium. However, the
cheapest policy may not be providing you the protection you need or
I always recommend you check with a local independent agent who
Renters insurance is definitely worth getting. Most agents or brokers from whom homeowners insurance can be purchased can also write renters insurance. As for renters insurance being shared... since you are renting the premises, renters insurance covers contents only (not the structure of the build…
There are different types of insurance, may be the
insurance cover you are opting doesn't cover your stuff when you
are outside the house premises. In that case you should ask your
insurance agent to provide that insurance to you.
Renters Insurance and Pets Most likely it will not effect your
renters insurance or your rate simply because your policy would not
cover damages that result from your choice of pet.
Your renters insurance policy typically excludes coverage for
damages and injuries incidental to pet ownership. When…
Yes. there is renter's insurance that offers optional "Involuntary Unemployment" insurance coverage.
The homeowners insurance would need notification.I would notify both cause actually both the renter and the owner can be at risk as far as liability. I would recommend increasing your liability limit to at least 300K if its not there already.
The answer completely depends on where the property is, how big it is, and all other kinds of actuarial data that insurance companies use. It is usually less expensive than both auto and homeowners in the same area. Best thing you can do is pick up the phone and call a few companies. If you don't k…
Each policy and each state is different. Sometimes living with someone constitutes common-law marriage. Most of the time, your policy will only cover your possessions, BUT the liability portion should cover ALL Accidents.
You need to contact a professional leak detection company. We used Leak USA to find our leak on a 2400 foot PVC water line. When the contractor dug down to the pipe, the leak was exactly where they said it would be! I was totally amazed how accurate they were. Please do yourself a favor & do som…
Questions to Ask Prospective TenantsHere is some advice on questions to ask before renting our your property:Always ask if they have rented before. You do not need people who have never taken care of their own place. I say this from 31 years of renting property. Conversely, new college grads can mak…
Renting vs. Buying
Is renting cheaper? No. Given the same house it will almost always be cheaper to own than to rent. Here is why: Somebody owns that house. And there is probably a mortgage on it. Let's say the mortgage payment is $500. If I owned it and rented it to you I would not charge your $50…
[From Publication 527 at the IRS' website]
If you have a cooperative apartment that you rent to others, you can usually deduct, as a rental expense, all the maintenance fees you pay to the cooperative housing corporation. However, you cannot deduct a payment earmarked for a capit…
Absolutely! And this is something I would certainly consider! To do
this, you will need to contact your Local Public Housing Agency -
the related link provides contact information for all states.
Section 8 tenants tend to keep their house for a long time, not
move in and out so quickly. There are …
Different states have different laws regarding your rights a a
renter. I suggest searching google for your+rights+as+a+renter Add
the state you live in to the search, and you should find the most
You might want to consider one of these books. "Renters' Rights
Meaning of Leasing vs. RentingThey basically mean the same thing.The difference is the length of time a property is being rented.A lease implies a longer term such as a year.[This is from the library at Findlaw.com]If you're leasing, you've usually signed something saying you're committed to staying…
Most of the time it won't unless the managers or owner ran a credit check before you moved in, if so it would be listed as "public record" on your credit report because they had to file an eviction notice at the courthouse in order to get you out.
The actual eviction does not show up in the b…
Lawsuits against Landlords for Mold
Absolutely. And more and more renters are doing just that. Mold is a proven health hazard, especially to young children, the elderly and those who have respiratory problems.
You must also make sure that you have documentation of everything. Also, any problems …
The landlord if he/she were informed of the problem and did not repair or replace the refrigerator in a timely manner. Unless there is a clause in your rental agreement/lease that states otherwise. Realistically, the situation is the same as it would be in a home you live in. You would either get ic…
Usually once a year, or whenever a lease, or a verbal agreement is renewed. That's for New York State, where I am a landlord. Other states or even counties may differ on the issue.
in my past experience.. i had a similar situation so i contacted a lawyer and was told what i needed to do was send a certified letter to the apartment complex stating the situation and giving them 30 days to fix the problem. if they fix the problem then you can not break the lease without penalty. …
Yes people who are pregnant should apply especially if your family not helping and you still live with your family
It has been my experience, that if you break your lease prior to expiration of the lease term, you are in breach of contract. In NYC, unless you obtain signed and written consent from the landlord granting you permission to end the lease prematurely, he can sue for lost rent. I had a verbal agreemen…
Please allow me to confirm that it CAN effect your credit. The apartment community typically, but not always, turns the accounts over to a debt collection agency. Once the agency has the account, they start sending letters, calling etc. The account is typically reported to the bureaus between 90-120…
You don't, nor do you need to. This would be far out of the norm. You can demonstrate your on-time rental payments to potential lenders by providing copies of cancelled checks, receipts or bank statements. These are much easier to come by, don't cost your landlord anything and are the accepted stand…
It can be but I have found that if you have good rental history you should be able to rent.
My husband and I filed bankruptcy about a year ago. He then left and I lost everything, now trying to start over with a recent bankruptcy is challenging. I have found no one that will ren…
If the matter in question was included in the bankruptcy discharge, you may not have to pay it. If it was left out, or the property owner was allowed to opt out of the bankruptcy discharge the debt is collectable.
Depends on the landlord and their credit requirements. Most likely, yes, but you may be required to put down additional money as a deposit.
Join the military. When you get official orders transferring you
out of the area, the landlord has to release you from the lease
under the Soldiers' and Sailors' Civil Relief Act. Answer Maybe
going back to your lease contract will provide the correct answer
in your case. Usually "Lease Contracts" w…
It really depends on your lease, though in general there is some sort of forfeiture. Consult your lease -- usually these things are spelled out.If not, ask an attorney about the laws in your particular state.
Probably not. However, I suggest to you that you negotiate an early termination of your lease with the landlord. Inform him/her that you have purchased a home and that you need to vacate the property before the original term of the lease. offer the landlord to cooperate while the landlord shows the …
Yes. This would be a case for Small Claims. The filing of a lawsuit in SCC is reasonably simple. Small Claims Court is for monetary restitution only. Each state has limitations on the amount that can be awarded.
Yes, that is the premise of having a cosigner. The person cosigning must have a reliable, acceptable level of income and a good credit history.
Call a local attorney for state specific advice. I see a lease as a contract and with the same rights and obligations. IOW, the landlord id right. Your brother only got the apt. because of YOUR credit rating.
No. It will become a part of your credit report and will have some effect on your debt to income ratio.
If the lease/rental agreement you signed continued into the month of November, then yes you have to pay the charges. TIMING and rental agreement is the key here. Let's suppose that my landlord sends me a termination letter in May to take effect 60 days from the receipt of the letter, then that means…
: Yes, of course. The landlord's claim for damages under the deposit is an administrative claim not a judicial claim. If you force a judicial claim by suing the landlord, they are certainly within their rights to counterclaim for everything bad you have ever done to them. Some of the answers below …
Yes -but. . . You must have documentation to prove that: A) The poor health symptoms are caused by the problems in the unit B) That you have repeatedly informed the landlord about the problem and requested that it be repaired C) That the landlord did not do so within "a reasonable time". All three c…
The answer below is pretty much correct. It is important to understand that there is rent and security. The deposit is to cover losses and protect the landowner against you if you have bad credit or if you demolish the apartment. The owner must deposit this in a separate security account that carrie…
In Texas, Yes. However, the lease agreement has to have a provision that states the house can be sold while you are leasing it, if not, you can take them to court to make them fulfill their end of the lease agreement
No. There is no longer "automatic citizenship via marriage". You must apply for citizenship under the proscribed laws. You may however qualify for 2A Family Prefererence category, which shortens the time (a little).
No. But it may still be in the court records forever, filed under the names of the parties.
Of course you can. If it is a large apartment complex or upscale home where a credit check is run, they may decline to rent to you just as if you had bad credit. Most of the time after bankruptcy that's the only way to get a residence.
I normally list all of the following types of contracts and leases on Schedule G: Residential leases (like a rental lease for where the debtor lives, EVEN IF it is only a verbal month-to-month arrangement), cell phone contracts, lot rent agreements, land purchase/sale contracts, home owners asso…
Commercial Space Rental and Insurance What you would need to buy for a commercial space is called Commercial General Liability Insurance.
Answer There is a big difference between Retail and Renter's insurance. Retail insurance is for any type of basically a retail business that has an invent…
People renting out less desirable homes usually don't ask so many questions of prospective tennants, so you'll probably need to start off somewhere crappy. Once you've got a good reference from a previous landlord it will be somewhat easier for you to rent a nicer property.Depending on what the felo…
A lease is a CONTRACT, between you, the tennant, and the property owner, that sets out the rules for both sides to follow, for the duration of the contract.No change can be made without the consent of BOTH parties, under law, and if YOU break the terms of the contract, you can be held accountable fo…
I have section 8 myself. You Cannot apply online. You must contact
your local housing dept. For example: Call Information 411 (or in
large communities you can dial 211 and speak to a resources hotline
volunteer) and ask for your local or regional housing authority.:,
ex;Lowell Housing Authority, if …
While you might be able to add your name into the waiting list online, you probably will not be able to apply for your voucher online. Each Housing Authority has its own guidelines by which you can apply for your voucher once your name comes up on the list. Because there are forms that you must fill…
No. The co-signer is totally responsible for the money loaned to you and hopefully you will pay it back. The co-signer, other than asking you to pay monthly on your debt to them has no further rights to where you live or how you live.Marcy
Housing assistance programs and grants are usually offered to an individual based on State or Local minimum requirements. Every state offers some various forms of housing assistance programs and some local cities and/or counties have programs also. You can check via the following links to locate th…
This varies a great deal. I would suggest asking a prospective landlord what their policies are on this. Some landlords will accept an individual with an eviction on their record with a qualified co-signer. The one thing you need to be aware of is the age of the eviction for non-payment. If it was v…
Electric bills are usually pretty small for one bedroom apartments, maybe $60; however, there are many factors that determine how much the bill will be. Some are where you live, how much electricity you use, the square footage of the apartment, etc. The best way to estimate how much your electricity…
We were able to rent with no rental history and had an evection from 2000. we are in Ohio ao it may be different but that is our experience.It is totally up to the landlord's discretion whether to rent to you or not. As I am sure you are aware, you are not the most ideal candidate and you could be c…
It is against the law to move in new tenants if the apartment or suite is not up to standards (needs new paint or carpeting, different things needing to be fixed.) Usually the person that will be renting will not pay rent or move in until this is done. If you have damaged the apartment and…
The reletting fee (not a "relenting fee") is a sum you pay to the landlord to cover the expenses incurred in reletting your apartment in the event you break your lease and move out before the end of the lease term. It should be reasonably related to the actual expenses incurred by your lan…
In Texas, you can only get your deposit back if your application is rejected and/or you have 3 days from the date of application to chane your mind. After that, you are not eligible to et your "application deposit" back.
You have to be 18. Some landlords might accept you at an earlier age with a parent as a co-signer on the rental agreement.
Before you actually move, create a savings account that will cover
your deposits for the rental and utilities, which is about three
times the amount of rent. This account should also have about three
to six months pay should you lose your job, so that you have
stability when things happen. Create a …
If a tenant defaults on the lease, most landlords will request payment from the co-signer even if it means taking him/her to court. The co-signer can be held accountable for the rent whether they live on/in property or not. Evictions CAN be placed on your rental history & Negative Items (non-pa…
As a reference, I just completed 20 years in apartment management
in March 2005. Your situation is tough but not impossible. Most
companies these days use third party agencies to develop rental
credit scores, which have no direct comparison to credit bureau
scores (usually referred to as beacon or f…
You obviously haven't paid your rent so the rental manager has the right to lock up your contents. Until you pay back rent there is nothing you can do.
Usually paying the last month rent means you pay the regular rent plus a closing fee which means if there are any damages done to the place that was not there before you then you have to pay so much for that too.
The usual practice is to pay the "first and last" month's rent when you move I…
No, I would venture to say that 99% of all Section 8 units do come un-furnished.
If you are interested in renting to section 8 renters, i would talk to your local housing authority.
If mowing or gardening is not in your signed rental contract, then it's up to the renter to keep the yard clean and mowed. If you live in an apartment or condo then it's directly up to the Maintenance person of that building.
Yes. anytime you co-sign a lease you are 100% responsible not only for the money of rent but 100% of all other terms. Such as damage, late fees, early termination fees, court costs, etc. for the full duration of the family members tenant status. In a lease or month-to-month the co-signe…
This answer depends largely on location.
Average rents for a one-bedroom apartment
- New York City: $2,359
- St. Louis: $638
- San Jose: $1,375
- Orlando: $742
- Atlanta: $674
- Boston: $1,610
I would be asking, in person, for a break, and would provide PROOF that your company is sending you out of the country. In that case the owner will be more likely to allow you to terminate early.
Yes you can have your check cancelled. However, the landlord probably hasn't cashed the check because they are aware you may not like some of the conditions. It would be best (if you like the place to rent) to discuss, in person, with the landlord any stipulations you don't care for an…
READ YOUR LEASE. Line by line to see if it allows an increase during the TERM of the lease.You should also look in the local telephone directory for a free LEGAL AID clinic, where you can consult with a lawyer for free , about your rights in the matter. There may be laws in your state that require a…
There are various online resources available that allow a person to check rental history for a one time fee. Just do a search for "rental history" and quite a few will pop up. I advise to be cautious upon selecting one of these reports. Be wary of scams. In other words, don't just snatch up the firs…
The judgment will only stay on your credit record for 7 years. If you go to free annual credit report (www.annualcreditreport.com) You can look at your credit report for free. But be aware you can only do this once a year. But where the judgment is it will tell you when it will be removed from your …
I believe you can break the lease. It is easy to find a sympathetic doctor and even easier to find a sympathetic judge. In this case you will have to take your landlord to court and sue him to break the lease. This is a quality of life issue. Your landlord can argue that he/she cannot do a…
No! NOt unless you are in the Military and received orders to report elsewhere.Checkout http://apartments.about.com/cs/magazines/g/military.htm?terms=Military+and+breaking+a+lease for more details.
try looking at www.cfda.gov for a government grant also look at your home state housing sites they have free money and low payment loans
About the only truly free housing you could get would be living at home with your parents, but even then, you are expected to contribute toward keeping …
There are plenty of places where you can rent from someone who doesn't do a detalied background search. Most of the time, the landlord is only interested in your credit history and ability to pay rent and not your criminal history. If you have done yor time and/or completed probation or …
Insurance carriers can refuse to insure you if you have an adverse
claims history, it all depends on there underwriting guidelines.
Being in a more secure neighborhood may be enough to get you
approved for coverage again. Also, the installation security
enhancing measures such as burglar alarms an…
Yes, provided that they provide written proof, to the landlord, from their Commanding Officer to that effect. Happens all the time.
All the time. As soon as a document is filed by an official agency (local, state, national, etc.) it is deemed a publicly available record.
A lease is a legal contract. If you signed it then you agreed to be bound by its terms. If you don't live up to ALL the terms of the lease, the complex can sue you in court to recover past due rent, losses and damages. Depending on state laws they can also sue for rent under the terms of the lease e…
I'm not a lawyer and I'm not giving you legal advice. You should check with an attorney for "real" legal advice, particularly as it pertains to the specific area in which you live, or in which the apartment is located.Generally, the answer is yes, BUT. For instance if the apartment is vacated and cl…
AnswerYou should check your lease. In addition, generally a landlord has the right of access in an emergency. You need to check your local landlord/tenant laws.
No. Landlords or rental agents/agencies generally can set the terms of the rental agreements including the necessary deposits. What they may not do is discriminate in accordance with race, religion, gender, ethnicity, and so forth. There are different regulations however, when it pertains to public …
Usually both the check for the security deposit and the signature on the lease are done at the same time. To hold the apartment for you, a deposit is often requested and paid. Depending on the timing (3 days? More?), you may get only a portion of the money back. The lesson is to be certain that this…
If they have not signed a contract, there is no sale. All transfers
of real property must be in writing. If they have signed a
contract, they have failed to live up to their part of the
agreement and the contract can be voided. You need to consult an
attorney in your jurisdiction.
NO. The two things are not connected. The owner of the building is not responsible for law enforcement in the area.
Yes. Get doctor documentation that you have allergies to it. They should clean it up regardless of your allergies or you can move out. Check your contract carefully, make sure there is nothing in there about you doing your own repairs or deep cleaning of mold.
Maybe if you have tried to get…
Visit Urban Housing Solutions on the web. They place felons into apartments, and some are even based on your income. You can also contact your local Housing and Urban Development (HUD) department and inquire about housing that is available to convicted felons.
you did not say where you live and if you are the evictor or the evictee. I've been through this i was evicted and i also evicted someone. if you are doing the eviction get a lawyer or if you do it yourself read the landlord/tenant rights on internet or library. if you are being evicted try talking …
Your best bet would be to use a co-signer, who would vouch for you and be held financially responsible should you be unable to make payments. Finding someone willing to do that can be difficult. It should be someone who is financially stable with good credit history.*** ADDENDUM ***I would be happy …
If you are purchasing the home from the person you are renting
from, then yes. If you are renting in one place and want to
purchase in another, the only thing you can do is appeal to the
owner and ask them to let you out. Tell them you have the
opportunity to be a homeowner and ask if he will let y…
Every 7-10 years depending on the quality of the carpet and how clean the tenants are. Vacuming often (once per week) can help extend the life of a carpet by 2 years.
yes at the age of 16 you r able take charge for your life you can
take parents co-signer for the apartment
If you broke the lease, you're responsible for any charges unless you can prove the residence was uninhabitable. If the utilities are separate from the rent, then you're definitely on the hook.