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Old 12-02-2011, 01:16 PM
 
Location: NY,NY
2,901 posts, read 4,135,691 times
Reputation: 1827
Quote:
Originally Posted by cerveza View Post
never get a payday loan unless you have terrible credit and it is the absolute last resort as most of the time they will charge you over 100% apr.
New York State does not alllow so-called "pay day loans". So it is not even a consideration.
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Old 12-05-2011, 06:56 AM
 
Location: Manhattan
10,603 posts, read 9,065,153 times
Reputation: 4321
Not to be mean, but if you cannot afford something, you should not think about buying it.
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Old 12-05-2011, 03:28 PM
 
8,752 posts, read 8,634,983 times
Reputation: 4168
Yikes...to take a tenant that can't come up with a simple security deposit is a disaster. And why does this person think they can afford the apt when they can't even come up with the security???? Lunacy. And this is why Housing Court exists....Landlords accept these kinds of tenants and then are surprised when they can't pay...and Tenants get into apts they can't afford and then are surprised when they can't pay the rent!

Landlords, do your due diligence, and at a MINIMUM do not take a tenant that cannot come up with 1st month's rent and security. Furthermore, get the last 2 months of bank statements showing they carried enough money to comfortably afford the apt, and not simply showing up with cash by stiffing the last Landlord. Always check at least 2 months of bank statements, a month of pay stubs, and do a credit check. If they have alot of bills paid late, or lousy credit...guess what will be happening to you?

And the same goes for tenants by the way. Check out your Landlord and make sure they are attentive and invested in the building. If you get a bad impression from the onset, it won't get any better. If the Landlord lives off the premises/absentee, expect more issues, less maintenance (unless they have an excellent property manager, which is rare).

There are good buildings and bad buildings. The difference isn't the tenants, the difference is a Landlord that cares enough to get the right tenants, and maintain the building. The second a landlord doesn't care, doesn't maintain the building, and accepts any tenant, is when good buildings go bad.
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Old 03-31-2012, 02:34 PM
 
Location: New York
63 posts, read 169,489 times
Reputation: 29
I didn't know this recieved anymore posts after i commented but I would like to reply @SobroGuy , I never said i couldn't afford the apartment , I said I needed security , apartments require rent + security all together that is alot of money , i wasn't doing well financially at the time and there was a reason for that, Obviously I would not put myself in a position where i cant pay off my rent and almost four months later , rent has been paid on time each month , so thank you for your input but i did come up with what i needed.
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Old 03-31-2012, 02:39 PM
 
27,300 posts, read 22,750,602 times
Reputation: 14306
nothings a problem until its a problem.

as long as nothing goes wrong the rent get paid. but divorce ,illness and job loss have a way of eventually getting all of us.

thats when the issue of a tenants financial resources count.
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Old 04-01-2012, 06:43 AM
 
Location: Manhattan
10,603 posts, read 9,065,153 times
Reputation: 4321
Quote:
Originally Posted by iLoveny123 View Post
I didn't know this recieved anymore posts after i commented but I would like to reply @SobroGuy , I never said i couldn't afford the apartment , I said I needed security , apartments require rent + security all together that is alot of money , i wasn't doing well financially at the time and there was a reason for that, Obviously I would not put myself in a position where i cant pay off my rent and almost four months later , rent has been paid on time each month , so thank you for your input but i did come up with what i needed.

For closure,
Where did you get the security deposit money?
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