The short answer is ‘yes’, but there are many hoops you’ve got to go thru to get that approval. Why? Because many landlords simply will not trust you after seeing that you have a large balance outstanding, due to being evicted. You need to find “the right” landlord for approval.
Evictions are actually quite common nowadays, especially when we’re living in post-pandemic times and Covid 19 protections are slowly fading away.
According to the U.S. Federal Reserve, three million non-homeowning people were evicted or forced to move due to the threat of eviction between 2016 and 2018. The stress surrounding evictions only increased when roughly 30 to 40 million people faced possible evictions due to the coronavirus pandemic before the CDC placed a nationwide moratorium on eligible eviction cases.
Will My Eviction Really Tarnish My Credit?
Almost all apartment complexes WILL turn your missed or delinquent rent payments to collection agency. This alone creates an issue because it all then gets reported to a credit bureau, which then negatively reflects on your credit report. Being evicted impacts your ability to rent again, as it hampers your credit history.
The worst part is if the judge rules against you – this will stay on your credit report for up to seven long years. Any future landlords will see it and most likely deny you approvals. However, they would always be some apartments without credit checks and you just have to know how to find them.
Could I Still Rent an Apartment with an Eviction on Record?
Of course there’s always a chance that you will find someone who will give you a second chance rental approval.
You must at lease have proof of funds and stead income for another private landlords to give you a chance. Also, it’s important to have a clean background too.
Some cities will have more choices of finding the landlords that will be quite lenient on your situation. Many landlords knowing that you have an eviction will request that you submit a higher deposit than usual. That would most likely include the following:
- First month’s rent
- Last month’s rent
- Security deposit of up to two months of rent
For some landlords, if you can provide it, it will show that you have a financial stake in the place — something that can outweigh a previous eviction.
There’s always a good backup to money that you provide – it’s your references. For example, letters of recommendation from previous landlords, employers, or those who can vouch for your responsibility. You can also use a co-signer or rent with roommates who have good credit to further make your case, as you won’t be the only party responsible for covering rent.
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