bad credit rentals (Yucaipa, Loma Linda, Linda: tax lien, low income, sales)

[MTaylor6463]

is there any way to get around having bad credit to get a rental in the inland empire area, specifically Redland, Loma Linda, or Yucaipa?

[Sorcerer68]

This isn't specific to your area but you've got a couple options:
1. Deal with the owner dirctly, not an agency or management. Keep trying until someone says yes.
2. Agree to prepay a bunch of rent or a larger deposit. Again, keep going until someone says yes.

I've had bad credit a couple different times in my life when I needed to rent and #1 always worked for me.

[cj31young]

I agree! good answer!

[Paula Lynn]

Depends on what's in your credit report. I'll over look medical, health spas, cell phones & utilities. I won't work with BK's, evictions, judgements and tax liens. I also look at length of employment, job stability, and rental history. In other words, I look at the whole application and make a decision from that.

Also, if you're too "nice" and persistent that's a red flag.

[Donna7]

Seriously, I think that buying a house is easier than renting. One would think that one is moving into the Taj Mahal or Royal Palace with such stringent scrutiny. Conversely, I think it would be a good idea to run a credit check on the landlord (especially of a single residence) and see if the house is going into foreclosure, if there's a tax lien, bankruptcy, divorce, etc. as well before one inadvertently ends up on the street.

Thank goodness that I'm not at the MERCY of a landlord; as we own. I feel sorry for some of the people who have a bad credit history due to illness, job loss, divorce (there are plenty) and then having to deal with future employers and/or landlords who scrutinize with a fine tooth comb. It's too bad that a person's past seems to determine a person's future. I've seen this happen too often.

[Paula Lynn]

Originally Posted by Donna7

Seriously, I think that buying a house is easier than renting. One would think that one is moving into the Taj Mahal or Royal Palace with such stringent scrutiny. Conversely, I think it would be a good idea to run a credit check on the landlord (especially of a single residence) and see if the house is going into foreclosure, if there's a tax lien, bankruptcy, divorce, etc. as well before one inadvertently ends up on the street.

Thank goodness that I'm not at the MERCY of a landlord; as we own. I feel sorry for some of the people who have a bad credit history due to illness, job loss, divorce (there are plenty) and then having to deal with future employers and/or landlords who scrutinize with a fine tooth comb. It's too bad that a person's past seems to determine a person's future. I've seen this happen too often.

Donna,

Yes, people lose jobs, divorce, illnesses ....... That is all taken into consideration.

On the other hand, would you turn over your car keys or keys to your house to a stranger? We need to find out if they're credit worthy. I believe a person should not be penalized due to their past and they should be given a second chance.

[Donna7]

Paula, I completely agree. No, I would not hand over the keys to a vehicle or house/apartment without knowing whether a financial commitment can be made in good faith. I would not want to be a landlord because I saw my aunt work very hard in her landlord role; something that she did in the 70's. (She passed away early 80's). Unfortunately, the house that she was renting out became a low income rental area due to job lay-offs in our area (NE OH) and homeowners who took pride in their homes moved out and the area slowly become a slum area. Her tenants would not pay rent for several months, would literally tear the place off; meaning taking out plumbing, cabinets, toilets, stoves, refrigerators, etc. She then turned to flipping houses by buying at sheriff sales and fixing them and then re-selling. Unfortunately, she did not get to enjoy the fruits of her labor as she passed away from cancer in her early 40's. So, I definitely understand the necessity for checking out a person's financial ability to pay. I do not like the excessive invasion into a person's private matters though; by a future landlord perhaps, but even more so with a future employer.

Wishing you a good day.

[MTaylor6463]

Originally Posted by Paula Lynn

Donna,

Yes, people lose jobs, divorce, illnesses ....... That is all taken into consideration.

On the other hand, would you turn over your car keys or keys to your house to a stranger? We need to find out if they're credit worthy. I believe a person should not be penalized due to their past and they should be given a second chance.

I know what its like to be a landlord and get screwed over by the tenant, thats why we have bad credit now because when we moved to washington we couldn't sell our house so we decided to rent it to help make the payments. There is a really long story to explain all of it but I won't go into detail now, lets just say that we have a foreclosure on our record now on our home in Idaho, but the home is Washington is nearly sold, just working out the inspection repair details, my husband has 4 years with his current employer and 12 years in the occupation, I have 3 years with my employer, I am recently changed careers because travel isn't stable anymore. Are you a property manager?

[Paula Lynn]

Originally Posted by MTaylor6463

I know what its like to be a landlord and get screwed over by the tenant, thats why we have bad credit now because when we moved to washington we couldn't sell our house so we decided to rent it to help make the payments. There is a really long story to explain all of it but I won't go into detail now, lets just say that we have a foreclosure on our record now on our home in Idaho, but the home is Washington is nearly sold, just working out the inspection repair details, my husband has 4 years with his current employer and 12 years in the occupation, I have 3 years with my employer, I am recently changed careers because travel isn't stable anymore. Are you a property manager?

Yes, I am a property manager! How did you know

[Heart]

Originally Posted by MTaylor6463

is there any way to get around having bad credit to get a rental in the inland empire area, specifically Redland, Loma Linda, or Yucaipa?

*I* personally, will never ever deal with a real estate company or corporate owner of any sort in renting again. I have been a renter with an impeccable rental history of 21 years. I have poor credit, and in the past, I always went through a private owner when renting an apartment in the other state I'm from. I never had a problem. Never. But after coming here, and finding out how landlords in california treat their tenants, I'm moving and never looking back.

The only thing I can suggest to you is to offer to front a large deposit. You more than likely will be asked to, if they even consider you. It depends on what is on your credit report. If it's unpaid utilities, loan defaults, unlawful detainers, and bankruptcy, they will generally not accept you. If it's medical bills, like I have, then they generally overlook this. It's best to clean up your credit report before attempting to rent here, anyway, because unfortuantely I haven't found too many friendly owners here to rent from. Everyone has been rude in some fashion or the other.