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Old 07-29-2012, 10:24 AM
 
3 posts, read 3,571 times
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Me and my fiancé are looking to move into our first apartment together. I work in NJ and she works in Long Island. We want to be somewhere in the middle that's why I say Brooklyn or Queens. I will be taking the train to work so I need to be close to subway and she will be driving. Our budget is $2200 a month, looking for a one bedroom. The problem is our credit is not that great and so far all brokers are asking for a guarantor or 6 months rent up front. We make $130K combined a year. Can anyone suggest good neighborhoods that fit our criteria and have any suggestions on getting around this bad credit thing besides the obvious?
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Old 07-29-2012, 08:02 PM
 
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Forest Hills, Kew Gardens, and Jackson Heights are all worth considering. All 3 are express stops for the E and F subways. Forest Hills and Kew Gardens also have LIRR stations. Forest Hills is about 25 minutes on the E train or 15 minutes on the LIRR to Penn Station.
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Old 07-29-2012, 08:18 PM
 
Location: Anytown, USA
681 posts, read 1,672,807 times
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I definitely like Forest Hills. Been here my whole life. I live in a nice pre-war, 800 sq foot, 1 bedroom apartment one block from the express subway station. Have all the conveniences of Austin Street just a few steps from my door. I'm paying $1450/mo for my spot.

The best part is when I leave for work, I just walk a block, get in the subway, and barely even break a sweat in my suit in the hot summer weather.
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Old 07-29-2012, 08:41 PM
 
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Given my recent issues, I don't suggest Forest Hills, Rego Park, or Kew Gardens. We have one score lower then 700 between us and we get denied for nice places although making over 100k.

Where will she work in LI? Farther east or near the Queens line? If you can find a broker taking so-so credit then that's fine. Sometimes they will accept another security deposit.
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Old 07-30-2012, 01:40 AM
 
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She works in Manhasset. She will be driving though. I will be taking the train to Jersey for work.
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Old 07-30-2012, 06:41 AM
 
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How about Glendale in Southern Queens?
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Old 07-30-2012, 07:47 AM
C8N
 
1,119 posts, read 3,228,614 times
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Quote:
Originally Posted by skilldeadly View Post
Given my recent issues, I don't suggest Forest Hills, Rego Park, or Kew Gardens. We have one score lower then 700 between us and we get denied for nice places although making over 100k.

Where will she work in LI? Farther east or near the Queens line? If you can find a broker taking so-so credit then that's fine. Sometimes they will accept another security deposit.
Didn't you have issues with a co-op?
Co-op are a different animal as they have more stricter standards. I think if your qualitications are less than perfect, you may want to avoid renting in a co-op building.
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Old 07-30-2012, 09:06 AM
 
Location: North NJ by way of Brooklyn, NY
2,628 posts, read 4,612,191 times
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I would check the local papers and see if you can find something directly through a landlord, or maybe talk to a broker that is willing to work with you. I was able to get around the credit issue with 2 different brokers and a few different landlords. Only 1 broker gave me a headache about credit, trying to tell me I would never find anything despite the fact I have not been late with rent in 20 years.
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Old 07-30-2012, 09:10 AM
 
Location: Dallas, TX
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Try private houses. They're usually (but not always) more lax when gauging your credit score. Offer to pay some extra months in advance and should be able to find something.
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Old 07-30-2012, 10:27 AM
 
Location: Anytown, USA
681 posts, read 1,672,807 times
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Quote:
Originally Posted by skilldeadly View Post
Given my recent issues, I don't suggest Forest Hills, Rego Park, or Kew Gardens. We have one score lower then 700 between us and we get denied for nice places although making over 100k.

Where will she work in LI? Farther east or near the Queens line? If you can find a broker taking so-so credit then that's fine. Sometimes they will accept another security deposit.
Why don't you just rent the apartment in the name of the spouse with the better credit score? You mentioned that you are not officially married yet, so I'm sure that is a way around this. Either way, that's what I did with my apartment.....the lease is in my name only.
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