Getting an apartment on ssi (rental, deposit, credit score, roommate)
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After a painful two months of searching for an apartment in the Bellingham, Washington area, I have finally found someone willing to give me a room after his roommate moves out next month. Now the only thing left is to go through the application process from the rental company that manages the apartment. The trouble arises in the form of me only having 770 dollars from ssi as my sole source of income and the management company having the standard income must be 3x of income(collectively in this case) rule. Another thing I have going against me is the loan of 1.3k I have on my bank account.
My question is would offering a higher deposit, saying I have a cosigner ready, my current landlord being a good terms with me, and the loan I have being in good standing increase the odds of my rental application being accepted? I can also pass a background/credit check.
You are light on income. Your half of the rent is more than 50% of your income. If you have a good qualified cosigner that might help. Some landlords accept cosigners and some don't. All you can do is ask.
Extra deposit often helps. Good landlord references help.
I'd be surprised if your loan is going to make a difference as long as it doesn't show late payments.
Seriously. You have a portable income and you are trying to live in a very expensive area. Take your guaranteed income and move to someplace where the cost of living is much lower. Do some research and figure out which of the states don't have waiting lists for hud housing and get some subsidized housing.
When on SSI or SSD You are eligible for 55+ housing apts Even if you are not yet 55... These & other HUD apts go by your income all your rent is 30% of your income & utilities
You are light on income. Your half of the rent is more than 50% of your income. If you have a good qualified cosigner that might help. Some landlords accept cosigners and some don't. All you can do is ask.
Extra deposit often helps. Good landlord references help.
I'd be surprised if your loan is going to make a difference as long as it doesn't show late payments.
Seriously. You have a portable income and you are trying to live in a very expensive area. Take your guaranteed income and move to someplace where the cost of living is much lower. Do some research and figure out which of the states don't have waiting lists for hud housing and get some subsidized housing.
From reading their site, Chuckanut property management's does require a cosigner for students such as myself. The family member who has agreed to be the cosigner tells me he does have a good credit score.
to be honest with you, the only reason I came to Bellingham in the first place is because I was living with my parents when we moved here. the reason I continue to stay here is because my family is near by, my main mode transportation is my bicycle and the bus system here, and I'm working on getting a degree from the local community college. If I had the chance I would totally just pack up and leave this town. Finding a cheap place to rent is getting harder and harder around here.
Oh, sorry! I've I should have been more clear. The rent for myself would be 800 divided evenly between myself and the other roommate. Since I make so little, I'm on ebt. I do not have a car, so I don't have to worry about gas or repairs. At most I've only spend about 30 bucks each month for soap, cleaning supplies, toilet paper etc.
I've already checked in about hud and housing, but they are full. The waitlists are full too.
Does the Social Security Administration know that you’re in school? The fact that you’re able to take classes and are able to ride your bike for transportation means you have some physical, intellectual, and emotional capacity. Perhaps you’re taking classes through some SSA program or something, which would be great if they have that.
To answer your question, the things you mention may help, but I would think most management companies would want to see more income.
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