Apartments for Low Income

Questions and Answers

Your Questions About Renting An Apartment For The First Time

December 19, 2012

Richard asks…

First time renting an apartment?

I am planning on moving into an apartment this coming September with 3 friends. This will be our first time being on our own. Its a brand new luxury apartment that is still being built. The rent is going to be $1595. I have been talking with the landlord and she said they will need to verify credit history, rental history, and income. She also said that our combined income must equal or exceed 2.5 times the monthly rent.

My questions are…if this is all of our first time renting a place, how do they even check rental history? Also, how will the income thing work? Since we are all practically just out of high school, we have only been working for about a year, if not less. I’m sure our combined income will not equal that amount, but we can all definitely pay the rent monthly because my boyfriend and I will be going to college and our financial aid (loans, grants, etc.) will take care of our portion, and his cousin is a really a reliable source. How will this work out?
I don’t have to worry about my boyfriend or his cousin leaving. They are extremely reliable (I have been with him for 5 years now). And if anything, the lease will be under their names because I am still only 17. Thank you, though!

Administrator answers:

If you don’t have rental history you might have to leave a bigger deposit… As for income they will want your last too paycheck stubs and will fax or call your job to verify that you work there and you are telling the truth about how much you make.

James asks…

First time renting an apartment, advice?

What should I look for when renting an apartment? Everything you can think of like how many rooms, bathroom, sq ft., etc. Some good/bad points about certain features.

Also, I’m a college student and I want something affordable, but I don’t want a run down place either. I want something that’s nice, comfortable, and safe but affordable. What types of features should I look for? I don’t have a car, so I would be using the bus so I would look for a location close to my school.

Administrator answers:

- As a female – always second floor apartments if in a dangerous area
- Check under sinks for little rate or mouse droppings.
- Check that appliances work.
- Flush toilet and run shower
- Check for mold in bathrooms
- Make sure all windows seal tightly and you feel no air coming through.
- Go at night and check lighting in parking lot and on street to the bus stop.
- Take a picture of any damage, such as carpet stains, etc. Date them. And ask a landlord to make a notation on your papers.
- Talk to people as they are coming in from work (not going to work).
Ask about crime, flooding, traffic, noise, etc.
- Read every word of your lease. If you don’t understand, ask.
* most important – make sure you can comfortably afford that apartment.
No more than 25% of your gross income.

Steven asks…

Anyone know about renting an apartment for the first time?

My boyfriend and I found this beautiful apartment complex, 500 acres with nature trails, fishing canoeing sailing, with 200 of those acres being spring fed lakes. This place is beautiful. And the rent for a 1 bed/1 bath is only 620 and its 710 sqft, with a huge fenced patio with areas for planting flowerbeds and patio furniture. The only problem is that you have to make three time the rent each month, together my boyfriend and I make well over that amount, but separate, we each make just under that amount. The only way they will combine our monthly earnings is if we are married. Now I love him to death, but I’m just not ready to get married, especially just to get an apartment. That would be ridiculous. If we say that we are married, will the apartment check up on it? will they ask for a license or is there some way they can look it up on the computer? I hate to have to pass up this great apartment because of that one detail. is there anyway around it?
We would both be on the lease, but they said that they would look at us separately if we aren’t married, because if one leaves they want to make sure the other can carry the rent on their own.

Administrator answers:

There is no way around it. They will do a credit check and it will show that you are not married and they also do background checks to make sure that you are not insain or something. The apartment may be perfect but looks to me like to get it you must make a big leap of faith. It is kinda your choice to take that big of a chance. No matter where you go they are going to check up on both of you.

Sandy asks…

I need some tips of renting an apartment for the first time, got any advice?

Hi I’m 20 years old, going to be 21 this year. I want to move out of the family house so that I can be on my own now. I’m getting a job pretty soon so that I can save up for an apartment, the problem is that I don’t that much of getting a place of my own.

Got any tips on what I should do?

Administrator answers:

You don’t that much what?

What tips do you require as your question is not clear? For a 20 year old going on 21 years you sure do have a limited voculabulary. Are you sure you are ready to move out – you do realise that once you do you can’t scream: Help Mummy anytime you have a problem don’t you?

Nancy asks…

Are there government grants for renting an apartment for the first time?

I’m going on a mission for my church and when I get home I would like to move out but unfortunately I will be broke (its a service mission I have to pay my way and can’t have even a part time job) but it will be an amazing experiences and well worth it. I’m just worried about the broke part.

Administrator answers:

Good for you. Thank you for helping the world. :) I hope you have a good time!

Now, as for renting apartments…there are certain apartments that you may or may not qualify for. They all have different names depending on your region. Here are a few names that I’ve heard them called:

Low-income/Poverty Housing, HUD or HUB, Subsidized, Government-Granted Housing, etc.

Talk to your local town hall before you leave. They may have sources for you. Also check in with local community services/resources. Maybe a Social Worker or Psychologist or School Professional in the area that might be able to point you in the right direction?

Good luck! if you want to talk more.

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