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Old 09-05-2011, 09:22 PM   #1
NetMillion
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Question How To Lease Apartment Without Proof Of Income?

Anyone have any good techniques for getting a luxury apartment building to lease you a unit without having to show them proof of income?
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Old 09-05-2011, 09:23 PM   #2
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Depends on location, really.

Places down here in FL don't care if you're able to prepay at least 6 months in advance.

Places in Manhattan won't even let you sign a year lease if you paid 100% upfront.
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Old 09-05-2011, 09:26 PM   #3
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Find an income slip (friend or family) and doctor up a fake one in photoshop.
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Old 09-05-2011, 09:33 PM   #4
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Do you not pay taxes? You should be able to come up with something to show proof of income.
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Old 09-05-2011, 09:40 PM   #5
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Pay them in cash that always shuts them up. Either 6-12 months paid in advanced when you get there.
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Old 09-05-2011, 09:45 PM   #6
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Originally Posted by mgtarheels View Post
Depends on location, really.

Places down here in FL don't care if you're able to prepay at least 6 months in advance.

Places in Manhattan won't even let you sign a year lease if you paid 100% upfront.
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Pay them in cash that always shuts them up. Either 6-12 months paid in advanced when you get there.
what's the reason you give them if you want to prepay... privacy?

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Do you not pay taxes? You should be able to come up with something to show proof of income.
I pay my taxes, and you should too.
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Old 09-05-2011, 09:48 PM   #7
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fake pay stubs work fine, if you have the cash explain your situation and offer to pay 3-6 months at a time.
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Old 09-05-2011, 09:57 PM   #8
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i don't recommend committing fraud, but thats just me. if you make money, i don't see why you should have a problem. they won't look at a bank statement or a tax return?
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Old 09-05-2011, 10:01 PM   #9
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Do you not pay taxes? You should be able to come up with something to show proof of income.
Problem is they look at your bottom line, and I'd imagine a lot of people here get pretty creative with their expenses.

Anyway, just print out a few months worth of bank statements. If that doesn't work, maybe you should be looking for a cheaper pad!
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Old 09-05-2011, 10:02 PM   #10
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You're going to be printing out your bank statements on this one...

They usually just want to see income in your bank account that totals three Times your rent payment each month. (Some may say 4 times, but 3 times is more common.) They'll need to see 3 months of history (Yes, the previous 3 pay cycles) and if you made 3-4 times the rent payment for those three months as income, they really should not have any more problems.

That is how it is in Kansas, Illinois, and California, at least. I assume it's the same all over.

Warning; They will want to trace your income back to the source and need to see a payee for all that cash that can't possibly be you. So no naughty sending yourself income from one account to the other and back again for 3 months... They'll see through that.

Other than that it doesn't matter if you spent it all on Cocaine or a huge mortgage... They aren't supposed to care what you made Net, only Gross.
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Old 09-05-2011, 10:09 PM   #11
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I don't know where some of you are getting your info from?

They just want to confirm the lessee isn't a scum bag and that he'll pay the rent. There is no magic formula. Some places just say they want this to weed out free loaders and some of these places are willing to bend the rules if you come across normal.

It is very common for people to own their own business and not have pay stubs and shit. If you have great credit, some cash in the bank and can prove sources of income than you should be fine.

If your credit sucks and your borrowing money from your parents to get into this place than forget it.

Source; Im a licensed Realtor and landlord
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Old 09-05-2011, 10:31 PM   #12
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Pay them in cash, and pay them more in exchange for not asking for proof of income?
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Old 09-05-2011, 10:44 PM   #13
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Question

Quote:
Originally Posted by Big Joe View Post
...can prove sources of income than you should be fine.
thanks for the post, but you and the post above you both suggest I prove income. I'm wondering how to do it without proving income.

So far the best option seems to be 3 month prepay increments, but whats a good reason to do that that I could tell them?

also, what about just showing them a bank statement with the full lease-term amount times a multiple, I may consider doing that... would that work?
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Old 09-05-2011, 10:44 PM   #14
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Pay them in cash that always shuts them up. Either 6-12 months paid in advanced when you get there.
I've never once found an apartment complex that would accept a full year's payment at once. Cash, check, charge... doesn't matter. Not once and I've tried five times in the last five years.
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Old 09-05-2011, 10:50 PM   #15
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Just find a landlord who doesn't care. Trust me, they are out there. I got this apartment without showing any proof of income whatsoever. It's a nice place in a good neighborhood too. Just told him I was self-employed and paid the security deposit + first months rent, and moved in the next day. No questions asked.
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Old 09-05-2011, 11:28 PM   #16
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thanks for the post, but you and the post above you both suggest I prove income. I'm wondering how to do it without proving income.

So far the best option seems to be 3 month prepay increments, but whats a good reason to do that that I could tell them?

also, what about just showing them a bank statement with the full lease-term amount times a multiple, I may consider doing that... would that work?
I had friend recently looking to rent a place in NYC that had no job. He planned on paying his rent with student loan money. We explained to them the situation and showed them that he had the money in an account and they were totally cool with out. Every landlord will be different based on every situation.

If your not playing games than just be honest with them, tell them your rich or independently wealthy but cant prove your income. Let them know that you understand that they require it and you want to know if there are any other options that would make them feel comfortable renting to you. This is why you would offer to pay 3 - 6 months up front. They only want to see you have income to show that you can pay the rent, realistically anyone that pays the rent in big chunks would most likely not have a problem coming up with the rent money and for that 3 - 6 months they wouldn't have to worry about collecting from you.

I have even seen places here in NY where the longer you paid up front the more of a discount they gave you on the rent. Its all part of negotiation and every situation is different.

The advice I give everyone is pretend its a job interview and make yourself marketable, what makes you the perfect tenant? Are you rarely home, responsible, travel, very quite? The worst thing I experience when renting to someone is when they either lie or start telling me some shitty story that I could give a fuck about like - how their cat got sick and the vet bills screwed up their credit, i don't want to hear stories and neither does anyone else.I want to know your going to shut the fuck up and pay the rent on time every month and not destroy my place or piss off my other tenants!

Be professional and have all of the documents you think you will need ready for them. (References, bank statements, credit report.)
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Old 09-05-2011, 11:54 PM   #17
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It's easy. I've done it with basically every place I've ever rented, including a luxury condo in downtown Vancouver, a nice condo in a castle-type complex in Budapest, a party house in Malta, etc. Dress nicely, act respectable, show up with a few names & numbers of work references, and most importantly, show up with a wad of cash bills, and mention you'd prefer to pay in cash every month if possible. People love being paid in cash, plus they get to drop by for a few minutes every month to ensure you're not trashing the place. You'll get the place every time. Or at least I have.

Obviously, this is assuming you'll be dealing with the owner him/herself, and not going through a large rental agency.
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Old 09-06-2011, 12:33 AM   #18
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On a somewhat related note, does anyone have any suggestions for perks for the landlord/things to highlight when trying to negotiate rent down? Right now I have:
-Highlight my bangin' credit
-Offer to pay in full before the first of every month, OR
-Offer to pay for X (3-6) months up-front
-Offer to pay in cash

Anything else I should add to help get that rent lower?
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Old 09-06-2011, 12:40 AM   #19
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Originally Posted by Crynos View Post
On a somewhat related note, does anyone have any suggestions for perks for the landlord/things to highlight when trying to negotiate rent down? Right now I have:
-Highlight my bangin' credit
-Offer to pay in full before the first of every month, OR
-Offer to pay for X (3-6) months up-front
-Offer to pay in cash

Anything else I should add to help get that rent lower?
Offer to pay a higher amount per month in exchange for not showing proof of income?
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Old 09-06-2011, 12:42 AM   #20
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Quote:
Originally Posted by Crynos View Post
On a somewhat related note, does anyone have any suggestions for perks for the landlord/things to highlight when trying to negotiate rent down? Right now I have:
-Highlight my bangin' credit
-Offer to pay in full before the first of every month, OR
-Offer to pay for X (3-6) months up-front
-Offer to pay in cash

Anything else I should add to help get that rent lower?

In most metro areas you are competing against a bunch of other totally qualified people. Trying to negotiate rent really just pisses a landlord off. What makes you so different than the other 20 people that want to come see it?

If you really want to negotiate your strongest point would be your up front payment. 3/6/12 months or whatever,,, just make sure that if you ever do this be careful with the lease because its much riskier to you. It would suck having your lease terminated early and than trying to fight to get your money back.

Also..... don't use lines like "bangin' credit"
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Old 09-06-2011, 12:48 AM   #21
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yeah dude, get with the times... seriously.. I've financed 2 jaguars, 2 F350 lariat trucks, bought a house, rented apartments before, a boat, and an assload of other things. I'd say all but my first jag was bullshitted documents.
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Old 09-06-2011, 12:52 AM   #22
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Print out your bank statement and prepay for first 3-6 months. Worked for me in California.
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Old 09-06-2011, 12:54 AM   #23
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Quote:
Originally Posted by Crynos View Post
On a somewhat related note, does anyone have any suggestions for perks for the landlord/things to highlight when trying to negotiate rent down? Right now I have:
-Highlight my bangin' credit
-Offer to pay in full before the first of every month, OR
-Offer to pay for X (3-6) months up-front
-Offer to pay in cash

Anything else I should add to help get that rent lower?
More than likely, they'll politely tell you to piss off, because as already stated, you're probably not the only one interested in renting the place.

You can usually get deals out of landlords though, especially if it's a furnished place. For example, say you want to buy all new pots & pans & dishes. They'll generally pick up at least 50% of the cost, assuming you leave them there when you stop renting. Same goes for painting the place, or whatever. It's happened several times to me. Move in, go on a shopping spree, save the receipts, and 50% of whatever I purchased is deducted off rent.
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Old 09-06-2011, 01:13 AM   #24
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Just a warning : if you offer cash before getting accepted, some (not all) landlords are going to assume that you are a drug lord or pimp.
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Old 09-06-2011, 01:18 AM   #25
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I pay my taxes, and you should too.
....I.....sigh.....
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Old 09-06-2011, 02:20 AM   #26
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I own about 20 rental properties and when people can't prove income I'm still willing to rent to them if they prepay a few months in advance prior to move in (I give a discount if they prepay 6 months). If you have money then no reason not to rent to you.
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Old 09-06-2011, 03:06 AM   #27
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I've got a couple rental props. myself, I don't require income proof, just a credit/background check. 1st mo. + deposit, and if there over 10 days late on rent we begin the eviction process which means I keep the deposit anyway.
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Old 09-06-2011, 03:15 AM   #28
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In most metro areas you are competing against a bunch of other totally qualified people. Trying to negotiate rent really just pisses a landlord off. What makes you so different than the other 20 people that want to come see it?

If you really want to negotiate your strongest point would be your up front payment. 3/6/12 months or whatever,,, just make sure that if you ever do this be careful with the lease because its much riskier to you. It would suck having your lease terminated early and than trying to fight to get your money back.

Also..... don't use lines like "bangin' credit"
I probably wouldn't describe my credit like that to an actual landlord. I'd use the term "sessual credit".

I'm in college in an urban area, and while there are numerous tenants competing with me, most are pretty shitty, so I think if I get my presentation right I could negotiate a little. That's the only reason I would think I'd have a chance. Hell, in my neighborhood just paying on time puts me above a lot of people. Got my current landlord not to raise rent on the new lease, which is somewhat decent I think given people around me are paying more.
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Old 09-06-2011, 03:44 AM   #29
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I never had to prove income to rent in Newport Beach, CA.

Good credit report + security deposit + first month's rent = rental

I rented from a property management company, which are usually more stringent than owners.
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Old 09-06-2011, 04:17 AM   #30
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Originally Posted by Dwight Schrute View Post
I never had to prove income to rent in Newport Beach, CA.

Good credit report + security deposit + first month's rent = rental

I rented from a property management company, which are usually more stringent than owners.
I will never again rent from someone who uses a property management company. It was a nightmare for me (maybe other ones are better?). One of the toilets broke in the evening so I call the repair line and leave a message. Next day no call by noon so I call again and still get no one. The next day the whole master bedroom was flooded. I had to call a company out to fix it. They ended up pumping out hundreds of gallons water. I call and leave another message and they finally got back to me. They're response was "What you don't have another bathroom? Why would you use that one when it's broke". I didn't use it and have no idea why water went pouring every where. They tell me it'll take a couple days to get a guy over there to fix it, because it's not an emergency. During that next couple days it's does it again. So this time I bill it to them and they went ape shit on me for it. They then have the audacity to tell me I have to pay for it.

I go in to renew my lease, because I liked the house and hate moving more than I dislike them and they tell me they refuse to renew my lease unless I reimburse them. I ended up finding the landlords phone number and they flipped out when I told them what happened. Apparently the landlord was using the money to pay the mortgage they couldn't afford and was pissed they cost them a tenant that never paid late.

tl;dr

find a house that's rented out by the owner not a management company.


in case anyone was wondering the name of the company is real property management las vegas
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Even craziest I find out that EWA plays penis games, they try to hit smokes with penises looking objects ... I don't know what companies do these things??? I not even make these things up, it is really crazy "professionals company" idk

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Old 09-06-2011, 09:03 AM   #31
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Just a warning : if you offer cash before getting accepted, some (not all) landlords are going to assume that you are a drug lord or pimp.
8% of Americans don't have bank accounts. if a landlord thinks that 1/10 people looking to rent are drug dealers, they are going to miss a lot of potential renters.
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Old 09-06-2011, 10:37 AM   #32
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8% of Americans don't have bank accounts. if a landlord thinks that 1/10 people looking to rent are drug dealers, they are going to miss a lot of potential renters.
At least 25% of my tenants don't have bank accounts, mostly in my lower rent properties. They just cash their checks when they get them and pay their bills, rent is always in cash which is just find with me. I wish I could get paid in cash with IM.
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Old 09-06-2011, 11:28 AM   #33
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References. Fake or real.
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Old 09-06-2011, 11:35 AM   #34
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References. Fake or real.
I never understood how that works, do you get somebody to vouch for you?

I was going to suggest OP to get a short term rental and later use that as a reference.

Care to enlighten me?
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Old 09-06-2011, 11:39 AM   #35
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I never understood how that work, do you get somebody to vouch for you?

I was going to suggest OP to get a short term rentan and later use that as a reference.

Care to enlighten me?
Sort of. Landlords / leasing companies.

I hated living the same house for more than a year when I was younger. When I would 6-7 different rental co's and landords on as references they always simply just call them.

Ask if I paid rent on time / did any damage ect.

I do the same now with my renters. References are always much better than credit checks.
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Old 09-06-2011, 03:37 PM   #36
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when i got my first apartment, i had no real credit history and no proof of income but i paid 6 months in advance and they accepted
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Old 09-06-2011, 03:45 PM   #37
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Depends on location, really.

Places down here in FL don't care if you're able to prepay at least 6 months in advance.

Places in Manhattan won't even let you sign a year lease if you paid 100% upfront.
What's the reason for that??? That doesn't seem to make good business sense, maybe I'm missing something here...
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Old 04-08-2012, 10:32 PM   #38
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Mustread I needed proof of income and employment as well!

I went to ProofOfIncome.com and was able to print out proof of income! Download thier free software and print paystubs, w2 or 1099 irs tax forms for any day, week or year!
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Old 04-09-2012, 03:02 AM   #39
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I never understood how that works, do you get somebody to vouch for you?

I was going to suggest OP to get a short term rental and later use that as a reference.

Care to enlighten me?
To make sure you are who you say you are, you're working where you say you're working or have worked, and if you're not paying your rent and bills, they need to know someone who can possibly tell them what the hell you're doing and where their money is.
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Old 04-09-2012, 03:05 AM   #40
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cash up front is your best option.
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Old 04-09-2012, 03:09 AM   #41
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cash upfront is your best option.
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Old 04-09-2012, 11:11 AM   #42
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If you have a corp or LLC just set it up as a corporate rental.

If you dont have a corp yet, you can buy a two year old aged corp for less than $500.

It is very, very easy to get a nice Dunn and Beradstreet Paydex score, a corporate bank accounts, corporate credit references, etc. You will need to create a nice website with a two or three year old domain name as a backdrop for the company. Make sure you "backdate" some wordpress blog posts at least a year or more so it looks like you have been around for a while.

If you have a Delaware corp or other out of state entity just tell the landlord you are setting up a new local office and need a corporate rental for 12 months for yourself or another executive.

They will want to do a criminal background check on the primary resident, but the credit part is easy.
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Old 04-09-2012, 11:20 AM   #43
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Old 04-09-2012, 02:54 PM   #44
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Old 04-09-2012, 03:14 PM   #45
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Old 04-09-2012, 03:49 PM   #46
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Ya, don't do the fraud. If the landlord decides to call to verify your employer, which can happen, your screwed. If you were approved already, they know where you live. = bad situation.
If you don't file, you should. They should be more willing to hire a successful small business owner than someone who has had a job for 1 year.
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Old 04-09-2012, 03:51 PM   #47
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Pay them in cash that always shuts them up. Either 6-12 months paid in advanced when you get there.
what i did.
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Old 04-09-2012, 04:49 PM   #48
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I wrote myself a letter on my own company letterhead saying how much I made per year.
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Old 04-14-2012, 10:21 AM   #49
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Since there seem to be a few people in the business of renting shit out around here, I have a question: How in the fuck can a felon rent a place?

I did some stupid shit like 7 years ago and got a felony and probation. I got popped for the stupidest shit (bought some 'very cheap' items from someone and re-sold them for a profit; items were stolen) and it is IMPOSSIBLE to find a place that doesn't do background checks!

On a related note, and maybe even more importantly (to me, anyways), HOW do you all do background checks? I've always wondered this. Do you just use one of the hundreds of online services to order the report? Is there some kind of elite real estate agent background check portal? What's the deal?!

Reason I ask is, if people use private background check services, I can get myself removed from their DB and then I should be good.

Then again, the application usually asks if you have been convicted of a felony, and lying on that would be fraud I'd assume, so I guess in hindsight, I'm fucked regardless.
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Old 04-14-2012, 08:47 PM   #50
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Either 6 months advanced rent, or convince the landlord that you're a student and your father is paying your rent.
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