Apartments for Low Income

Questions and Answers

Your Questions About Low Income Apartments In Michigan

August 4, 2013

George asks…

Low Income Familys?

Does anyone know of any programs that help people with their rent that are behind??? Specifically in Michigan???My sister needs help!!

Administrator answers:

I don’t know of any that help when you are behind but HUD or Section 8 helps people with paying their rent. They have to inspect and approve the apartment you live in prior to helping you pay for it’s rent and after approving the person. The downside is many landlords when they find out you have HUD will find other reasons to not rent to you, since it’s illegal to deny housing to someone just because they have HUD.

Sharon asks…

Do you live in Bed Stuy, Brooklyn?

I never been there before and I’m about to move there in two months. I’m scared as sh*t. I hope I don’t get shot when I get over there. I heard it was a horrible place to live in. How do you survive there?
Just so you know Tom M, my parents are forcing me to move there

Administrator answers:

Where are you moving from? This is highly exaggerated. I’m not saying it’s the great place to live, but it’s not the worst either. There’s more crime there than the average place in NYC, because there’s poverty, but NYC is a very safe city, as is Brooklyn, so residents of New York can make it seem worst than what it actually is. Once you’re living there a few months, you’ll laugh, and joke about how you were ”scared.” As long as you don’t pick a fight with anyone, you’ll be alright. Just go about your business and do what you do and no one will bother you. It’s the same everywhere. People are not desperately poor here to the point they’ll do anything to you. This isn’t Flint, Michigan lol People still do have jobs. They just don’t get paid well. I know there’s a lot of Caribbean immigrants who moved there about 2-3 decades ago. Most of them are educated, get paid decent and are in medical and technological field. If Bed Stuy, Flatbush or any of the nearby areas were that bad, why would they move there? There’s not many shootings in New York, especially for it’s size. We have six times the population of Philadelphia, yet less murders annually than they do. You’ll ”survive” just fine, as long as you don’t breath down the wrong people’s necks. Bed Stuy is somewhat populated, so you’ll notice there’s better sides of the neighborhoods than others. If you got some money, and rent in a decent apartment, or home, you’ll be fine. If you try to get rent in a lower-income rent-controlled building, where a lot of people are below the poverty line, than that’s another story. If you were poor though, I don’t know why you’d want to move there.

If you look at the letters in the word Bed Stuy really quick, it looks like the wrong Best Buy lol Does that scare you too? Relax… You’ll be alright. Why are you moving there though? Any particular reason? Why not a different neighborhood? Where are you coming from?

Sandy asks…

how come there is not enough adaquate housing for the disabled ,low income and ederly here in michigan?

i live in michigan in the suburbs and i am disabled and had a home but do to predatory lending i lost it the only housing they have here is not in good shape or infested with drugs and gangs as a disabled person not getting enough to live on it is hard to find a safe place to call home and agency are not helping i had one lady at a agency tell me disabled people r living in there cars if you are on a vent u cant live in a car or go to a shelter and i dont want a nursing home i want my own place that i can afford what do you intend to do to fix this problem we deserve to live like humans beings and not like a animal unacceptable in michigan or in the usa and welfare workers don’t even answer there phones and don’t call back like they say they will is Truly sad

Administrator answers:

Michigan was particularly hard-hit by the recession; so, the problem may be worse there than in many other states. But the lack of affordable and accessible housing is a nationwide problem. And the benefit level for SSI won’t pay for even a studio apartment in most communities. It’s a big problem.

Lisa asks…

I am a senior(55),disabled, not in wheelchair. I have to get income based apt. ASAP!How and where do I look?

I have tried to look up apartments in another town online and not getting very far. I’m looking for west side of Michiganand I needs a 1 or 2Br. ( I need to be about 1-4 blocks from grocery store, on bus line or have transportation provided). How do I get in contact with these other towns? I’d like to not move out of Kalamazoo,MI. but I’ll move just about anywhere right now. I have about 2 months before I run out of money and have to move in with My Mother!

Administrator answers:

You have to look for those senior apartment that accept people who are either 62, 58 or 55 or handicapped which you seem to be. You should check the Housing Authority in Kalamazoo and nearby towns if they have their own. It takes too long to get a Section 8 but they have info on other types of subsidized housing, or “affordable” housing for seniors and handicapped. You can find one near services. Here are some links to look online. Every county should have its own Housing Authority. You wont use all of these resources but I am trying to give you a choice. I have housing assistance and I am a senior also. If nothing here works, do your own search for “senior disabled housing Kalamazoo” or something like that.

Http://www.kalamazoo.coop/

http://www.kalamazoocity.org/portal/government.php?page_id=193

http://www.hud.gov/local/mi/community/home/

http://seniorhousing.botw.org/Search/Michigan/Kalamazoo/Independent

http://kalamazoo-michigan.apartmenthomeliving.com/apartments-for-rent/low_income

http://www.seniorhousingnet.com/seniorliving-detail/washington-square-cooperative_710-collins-street_kalamazoo_mi_49001-559958

Robert asks…

My business plan for buying low end houses?

My cousin is a home builder/ Carpenter and him and I have a plan to buy low end homes in Michigan, Detroit suburbs.

We can come us with almost 100k in capital without the bank to start our business. He would work full time and draw a small living salary while I would still work my other job and help out when I can.

We would start off with about 5 houses. These houses are around $3-6K each. We would have to put in 1-4K to refurbish them.

The goal would be to have houses that could be used for SEC 8 rentals. Sec 8 would give you a government check for 70% of the rent while the renters would have to provide the other 30%.
If the renter damages house or does not pay you can report them to the government and get them removed from the grant. This would prevent bad renter.

Eventually we would use equity from the homes to buy more. If the market ever picked up we could always sell the homes as well.

Do you think this is a good idea? Any advice would be appreciated.
100%, Believe me, being a slum lord does not thrill me either.
It would be a start though. Once we get enough equity we would look into bigger ventures such as commercial reality.
I think it is a safest way to start your own business with 100k. Just tired of making other men rich as an employee and not getting fairly paid for it.

Administrator answers:

Your plan that is a very good one and one that should work. There is always the family going into business together problem, but if the two of you can get over that hump you should not have a problem.

There is more to the business of just getting low priced houses, rehabbing them and renting them out to low income individuals.

You should be well versed on the various selling options available to you. I would recommend that you go to your nearest book store and by several books on buying and selling, renting properties.

There are several lease options that are available that you might be interested in as well a land contracts. These are options available in addition to renting. You might be able to get back a little capital using a few of these options.

I don’t like the term slum lord that has a racial connotation. If you go into a business with an attitude of this nature then most likely you will not be successful because of the disdain you will have for your clients, poor people that rely on government help.

I have a few houses and apartments that would be considered in a low rent neighborhood. I also use section 8 tenants as renters.

You should screen your clients very thoroughly so as to keep out as many undesirables as possible. One method I use is once I accept an application to rent, I make an unannounced trip to their current place of residence to find out how they are living now. I make up some excuse about the paper work as to my reason for coming there. I then make an excuse to get inside like I need to go to the bathroom, I need to sit down as I am tired or need an additional authorization form signed.

If there is unwarranted damage in the property the chances of them renting from me are slim. Large holes in the wall, wall paper pealing from the wall, normal wear and tear or a little crayon writing on the wall of those with kids would be ok.

My method is not fool proof and a few people get by me, but they soon show their colors and are immediately evicted by me. My clients are also responsible for their family and guest that visit them.

I do this with all my clients and not just the ones that are section 8.

I keep all my property no matter where it is located in the best possible condition possible. If there is graffiti, I erase it the same day I get a call, I maintain the landscape in immaculate condition.

The reason I do this is because my tenants are people and in some instances can not move above where they are economically. I provide them with the best possible place to live so they come home to a nice well kept house or apartment unit and have a peaceful nights sleep.

For some reason cleanliness run away the gangs and drug users.

I have a waiting list of people trying to get into my places. The most common thing and reason I hear is that your units and houses are well kept and you do not allow drug addicts or other undesirables to reside in your units.

You should consider joining the Apartment House Association in your local area. They have many forms you will need as well as how to evict a person. They even have a way for you to obtain credit reports for your potential clients. They could have a staff attorney that might answer a few legal questions that might come up. Also they have monthly meetings bringing you current of new rules of that are happening locally.

I hope this has been of some use to you, good luck.

“FIGHT ON”

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